M. Cardoza Insurance, Inc. represents over twenty insurance companies creating competition, offering clients the confidence they expect knowing they have received the best program focused on their objective at the most competitive premium.
Long term care insurance (LTCi) is a type of disability plan that provides the caregiver of a sick, injured, or frail person an income reimbursement plan to pay for services. Services include home health care, assisted living facilities, and skilled nursing care (nursing home).
Whole life insurance is the oldest form of life insurance. It is a cash value, permanent plan that is generally designed and structured to provide coverage to the age of 100 or older. However, there are some polices that are considered whole life but do not necessarily hold true to the original design of 100 years old or older.
An annuity is an insurance contract that offers a variety of pay out options based on the premium paid into the contract. Uniquely, annuities are the only financial vehicle that can offer a guaranteed income stream for life. Fixed annuities offer tax deferred growth and protection from market volatility while providing guaranteed growth.
I found Mark and his services very helpful. I never realized what I could do with what I have. He showed me how I can live more comfortably while protecting my money for when I need long term care. I enjoyed working with his team and felt good to have everything in place. I trust him, and I am not a very trusting person.
Mark goes out of his way to service his clients. I was introduced to him 6 years ago. He helped me organize my assets so that I could live comfortably after my husband passed away. He visits me and checks in with me from time to time. It's nice knowing that I can call him if I need help making decisions. He is honest, trustworthy and welcomed in my home anytime.