Hector Vazquez, Life Insurance Agent
Hector Vazquez
June 12th Agency
Bilingual English & Español
Life Insurance Agent Licensed in FL
Contact Details
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Location
St. Augustine, FL
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Website
Hector Can Help With:
About Me
Good day! My name is Hector, and I am passionate about helping people understand their life insurance choices. I provide no-cost guidance while reviewing options from top-rated companies, so you can feel confident knowing your family is taken care of.
Q&A with Hector Vazquez
Is life insurance worth the cost?
Answer: Yes! But you have to plan correctly according to your needs. There are may options and each option works for certain situations.
Your specific needs and situation determine the type and amount of insurance you need not only the coverage amount or the premium independently.
What questions should a first-time life insurance buyer ask their agent?
Answer: Are you licensed in my state. Then ask how many carriers they have access to. The agents limits can become your limits.
How do I find a life insurance agent who speaks Spanish?
Answer: If you are reading this you soy tu agente. In this portal you can find many. Estoy licenciado y tengo muchas compañías disponibles.
Should I get life insurance before or after having a baby?
Answer: Birthing a child in itself doesn’t prevent getting insurance nor should affect premium or create extra underwriting. So long as you are healthy, if conditions are developed during pregnancy these could create underwriting questions.
I’d say the earlier the better, pregnant or not.
Do I have to go through a specific company's own agent to buy their life insurance policy?
Answer: If you use a broker they may have a wide variety of carriers to quote from. There are also captive agents that only sell from one carrier.
When meeting with an agent, it’s always good to ask them if they are a broker or if they are a captive agent.
Very few carriers use only captive agents.