I Forever Care

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

About Me

Melanie Luna

Licensed Life Insurance Specialist

Field Underwriter

I have successfully helped employers by designing and implementing supplemental benefit programs for businesses & it not only strengthens their overall employee benefits, but it also helps business owners attract and retain quality staff.

I as well design specific individual & family life Insurance plans to meet & exceed my client's needs.

To do so, I conduct a needs analysis for every client to ensure that the correct products are professionally recommended.

Asset Strategist. Mortgage Protection, Life Insurance and Future Planning. Protecting families for over 100 years with multiple credible carriers including Americo, CVS Health Aetna, John Hancock, Vitality, American Amicable, Mutual of Omaha, AIG, Global Atlantic, Royal Neighbors, Foresters Financial, National Life Group, Transamerica, Prosperity Life Group, Gerber, Athene and CFG.

Let me help you!

What I Do

Protect Futures

Build Relationships

Protect Futures

We have years of insurance experience helping clients prepare for the unknown. Ask us about Accident, Health, Sickness, Life, and many more! We can access any insurance need so that you can get the right one for you.

Assess Needs

Build Relationships

Protect Futures

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.

Build Relationships

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your family & hard-won assets.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What is a premium?

An insurance premium is essentially the cost of your insurance. Most people pay their premium in monthly installments, but you can also pay annually or bi-annually.

Who Should You Name As Your Life Insurance Beneficiary?

When you apply for a life insurance policy, you must name at least one beneficiary. Life insurance beneficiaries are usually individual people but can also be business entities, trusts, charities, and other qualifying organizations.

Most people name their spouses, domestic partners, or children as beneficiaries. In some cases, such as when the death benefit is large or the beneficiary is a child, it may make more sense to name a trust as a beneficiary. This ensures that you (through the trustee) have more control over how and when the policy’s death benefit is distributed.

If you’re legally married, you may need permission from your spouse to name someone other than them as your life insurance beneficiary. This rule varies by state, so ask your insurance agent or consult an insurance attorney for guidance.

Are There Any Restrictions on How Death Benefits Can Be Used?

Beneficiaries can use life insurance death benefits however they wish. Life insurance companies don’t place any conditions or restrictions on their use.

Do All Life Insurance Applications Require a Medical Exam?

No-medical-exam life insurance policies (or “no-exam policies”) do not require a medical exam during the application process. However, some no-exam policies do consider the applicant’s answers to health- and lifestyle-related questions and may review their medical records for evidence of potential health issues.

Are Life Insurance Death Benefits Taxable?

Generally, no — life insurance beneficiaries usually don’t have to pay taxes on benefits.

Limited exceptions to this rule include:

Estate Tax. When the death benefit goes to the named insured’s estate, the estate’s heirs may be subject to estate tax. This happens only if the estate is big enough not to qualify for the estate tax exemption (about $12 million as of 2021).
Interest Income. If you ask the life insurance company to delay payment of your death benefit, your beneficiaries may have to pay taxes on interest income generated during the delay.

Contact Us

Send an email or hit the "Request A Free Quote" button below to fill out the form with any questions you have about finding the coverage that's right for you!

I Forever Care

Melanie@IForeverCare.com

Hours

Monday - Friday: 9am - 6pm

Saturday: By Appointment Only

Sunday: Closed

It's not about what you need, it's what your family needs when you're gone.

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

About Me

Melanie Luna

What I Do

Protect Futures

Build Relationships

Protect Futures

Assess Needs

Build Relationships

Protect Futures

Build Relationships

Build Relationships

Build Relationships

What Are You Waiting For?

We Got You Covered

INVEST IN YOUR FUTURE

PROTECT YOUR ASSETS

THE BEST TIME TO QUALIFY IS NOW!

Frequently Asked Questions

Contact Us

I Forever Care

Hours

Request A Free Quote

It's not about what you need, it's what your family needs when you're gone.

* $1 Million+ Families Helped | $150 Billion Life Insurance Placed | $800 Billion Premiums Sold *

About Me

Melanie Luna

What I Do

Protect Futures

Build Relationships

Protect Futures

Assess Needs

Build Relationships

Protect Futures

Build Relationships

Build Relationships

Build Relationships

What Are You Waiting For?

We Got You Covered

INVEST IN YOUR FUTURE

PROTECT YOUR ASSETS

THE BEST TIME TO QUALIFY IS NOW!

Frequently Asked Questions

Connect With Us

Contact Us

I Forever Care

Hours

Request A Free Quote

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