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David Escontrias, Director of Operations - Latino Markets
September is an extra- special month for us here at Combined Insurance, because it invites us to celebrate two causes we care deeply about: Hispanic Heritage and Life Insurance Awareness. We celebrate the contributions and milestones of the Latino community, and we strive to make our products accessible to them by making our services available in both English and Spanish. We also offer employee training in both languages.
Let’s take a deeper look at life insurance and the role it plays in the Latino community.
A study conducted by LIMRA (Life Insurance and Market Research Association) uncovered the unique characteristics and needs of Latino families and related the findings to the role of life insurance in their lives. It found that compared to the general population:
The first step in recognizing a quality insurance plan is proper education around the benefits and coverage the plan provides. Also, look for a company with credibility in the industry that:
Trying to decide whether or not life insurance is for you? If you have dependents, securing a policy gives you peace of mind. If something happens to you, the coverage will help those who depend on you. If you do not have any dependents, or if you have enough savings to provide for your dependents if you pass away, you may not need life insurance.
Each situation is different, and it is important that you consider your individual needs and the needs of your family once you are gone. Your agent can help you choose the right plan if you do decide that life insurance is right for you. Keep in mind a plan that:
Combined Insurance embraces and enables its bilingual professionals to assist customers with their insurance needs. We offer training in Spanish or English and marketing and sales material are available in both languages in many states. Many agents can give product presentations in either language, ensuring they can properly serve Spanish-speaking customers.
Our website can easily go from English to Spanish with a click, and when customers call customer service, they can request a Spanish-speaking representative, and we recently launched a Combined Latino Facebook page.
Combined Insurance is truly committed to offering supplemental insurance to the Latino community. To find an agent near you, visit our Find an Agent page.
Life insurance policies issued by Combined Insurance Company of America (Chicago, IL) in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.
1 “Top 10 Facts About the Hispanic Market and Life Insurance.” Healthy Hispanic Living, healthyhispanicliving.com/insurance_security/behaviorial_tendencies/top_10_facts_about_the_hispanic_market_and_life_insurance. Accessed 14 Sept. 2017.
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Combined Insurance Company of America (Chicago, IL Illinois) is a leading provider of individual supplemental accident, disability, health, and life insurance products and a Chubb company. With a tradition of nearly 100 years of success, we have an A+ rating by the Better Business Bureau and are one of Ward’s Top 50® Performing Life-Health Insurance Companies. Combined Insurance is also the number one Military Friendly® Employer in the over $1B revenue category for 2019 by VIQTORY. This is the company’s eighth consecutive year on the top 10 list and fifth consecutive year in the top 5—Combined Insurance was previously named the number one Military Friendly® Employer in the nation for 2015 and 2016. In New York, products are underwritten by Combined Life Insurance Company of New York (Latham, NY).
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