Life and Health Insurance

At Gigante Financial Solutions, we manage life, health, and disability insurance. Life, health, and disability insurance are offered individually and/ or in groups through companies such as MAPFRE, Triple-S Vida, and Mass Mutual, among others. Life insurance protects beneficiaries after the insured’s death, disability insurance covers loss of income due to an accident or illness, and health insurance provides medical coverage. Options include term life insurance and permanent life insurance (which provides lifetime protection), among many other variations. We also offer disability insurance that covers both occupational and non-occupational disability, as well as medical plans.

Life Insurance

  • Life Insurance (Individuals): They offer economic protection for the family. Some of them include cash value accumulation or additional benefits like terminal illness rider.
  • Life Insurance (Group): Designed as benefits for employees.
  • Whole Life Insurance: Permanent or cash value life insurance. It provides protection for the entire lifetime-from the date of issuance until death (e.g. Modified Whole Life Insurance, Graded Premium Whole Life Insurance, Endowment Policies, Modified Endowment Policies, Modified Endowment Contracts, Special Purpose Policy, Family Income Policy, Multiple Protection Policy, Joint Life Policy, Juvenile Insurance, Credit Life Insurance, Adjustable Life Policy)

Disability Insurance

  • Temporary Non-Occupational Disability (SINOT): Covers loss of income due to non-work related illnesses or accidents.

  • Income Protection: Plans that cover a percentage of weekly salary, coordinated with other policies.

  • Long-Term Disability: Replaces part of the salary in cases of prolonged disability.

Health Insurance

  • Group Health Plans: Include medical coverage and additional benefits.

  • Individual or Group Health Coverage:  A wide range of health services.

Products

  • Life Insurance and Employee Benefits

  • Group and Individual Health Plans (Dental, Pharmacy, Vision, etc.)

  • Group and Individual Life Insurance

  • Long-Term Disability (LTD)

  • Short-Term Disability (STD)

  • Supplemental Insurance

  • Long-Term Care

  • Law 139 – SINOT

  • Major Medical