Services

For over seven years, we have been providing excellent financial services to the community of Sacramento and surrounding areas, and we aim to continue this for as long as possible. We built relationships on trust, and we will nurture that relationship because you matter to us.

SUNTUP FINANCIAL specializes in the following Insurance Services:

  • Mortgage protection
  • Disability Coverage
  • Critical Illness Insurance
  • Term Life Insurance
  • Equity Indexed Universal Life Insurance
  • Annuities
  • Final Expense
  • Cost Saving for Businesses
  • Retirement Programs for Businesses

Mortgage Protection

Your home is probably one of your biggest investments, and it is best to ensure that you are always keeping up with mortgage payments. In most cases, your family depends on your income for the payments. So what happens in the event that you lose your job, become disabled or, worse, die? You certainly don’t want your family to struggle more, right?

We provide you with a quick and simplified mortgage protection insurance that pays of all or a portion of your mortgage in the event of unfortunate circumstances such as disability, loss of job, and even death. The cost of the insurance will depend on some factors like the mortgage amount, your health and your age. At Suntup Financial, we will customize your mortgage protection insurance to meet your needs and budget.

Disability Coverage

In the event that you get sick, injured or unable to go to work, a disability insurance coverage will replace a portion of your salary. Many people acquire such insurance to ensure that in difficult times, payments for their mortgages, vehicles, bills and other expenses will still be covered. According to the Council for Disability Awareness, at least 25% of workers, or one in four, will become disabled at some point during their working career due to accidents, injuries, and debilitating conditions like cancer and heart failure, more so if you are working in high risk industries. So, a disability coverage is certainly beneficial.

There are some factors that need to be considered before one is qualified for a disability coverage. This includes age, occupation, current health and medical history.

Critical Illness Insurance

This is a type of medical insurance that helps you avoid the financial burden which can be brought about by a critical illness. This pays off a lump-sum cash payment in the event that you are diagnosed with a critical illness such as cancer, stroke and heart attack. Surviving a critical illness, unfortunately, comes with a steep cost. But with a critical illness insurance, you will receive the benefit of getting the treatment you need, be able to spend more time with your loved ones, and keep up with mortgage payment and other expenses. It fills in the financial gap while you are recuperating.

Term Life Insurance

This a basic, inexpensive insurance that provides protection for a specific period of time (one year, 10years, 20 years or even up to 30 years depending on the policy). If the person dies within the term period, then your beneficiary receives the death benefit. However, if the person is still living at the end of the term period, then the protection ends as well, unless the policy is renewed.

Equity Indexed Universal Life Insurance

This is a form of permanent life insurance that provides a death benefit which is generally paid income tax to beneficiaries. This is one of the fastest growing insurance types and one that is very flexible and allows our client to choose the coverage amount based on their preferred premium and also make changes as their needs change.

Annuities

With the volatile stock market in the past decade, annuity has become a very popular choice for retirement planning. This is an insurance that is used to save for retirement, preserve funds which may have already been saved for retirement, or to provide a steady stream of income once retired. There are several types of annuities which can be made via monthly payments or a lump-sum. Give us a call today to discuss your needs and identify the annuity plan that fits you.

Final Expense

Losing a loved one is a huge emotional and difficult experience. We don’t want you to add to the burden that you already have. With our final expense plans, we can help relieve or offset stress associated with death. This can be used by clients to prepare themselves in the event of a loved one’s passing. We offer varying coverage amounts to fit your needs and budget.

Cost Saving and Retirement Programs for Businesses

At Suntup Financial, we also provide services for business through cost saving and retirement programs. If you want to ensure the continuity of your business, then we have the right solutions for you. If you know what you want to accomplish with a retirement plan, we can help you acquire the most appropriate plan for your business.

SUNTUP FINANCIAL is your trusted partner when it comes to finding the right insurance that caters to your needs, be it for yourself, your family or your business. Let us help you ensure a brighter future! Together, let’s plan today for tomorrow.