Ernesto Rivera Agency-> Life Insurance

Give your family piece of mind

Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured's death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals.

As with most insurance polices, life assurance is a contract between the insurer and the policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy. To be a life policy the insured event must be based upon life (or lives) of the people named in the policy.

Insured events that may be covered include:
Death and accidental death.

This is a system that provides financial compensation to individuals or family groups when the policyholder meets his demise. Some even assist in the finances of people who are incapacitated by incident or sickness that prevents them from going to work. The purpose of life insurance is "to provide a guaranteed death benefit to protect your dependents against financial loss."

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Ernesto Rivera is the solution you and your family need when looking for health, life and travel insururance. With more than 50 years of experience that will give you and your family piece of mind knowing you have the best and most accurate insurance policies suited to your needs.

Health Insurance

Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private health insurance.

Travel Insurance

The purpose of travel insurance is to provide protection for travelers against the unique risks associated with travel, from before they leave until the time that they return. Many of these risks, such as trip interruption, are not always covered by any other types of insurance available.