Abeyta Finance & Insurance

08/26/2026

Myth: “I already picked my Medicare plan years ago, so I don’t need to think about it again.”

Reality: plans can change what they cover, what they cost, and which doctors are in network every year — even if you never touched a thing. That’s why the Annual Enrollment Period (Oct 15 – Dec 7) exists: one yearly chance to make sure your plan still fits your life.

Mark the date now so it doesn’t sneak up on you.
What’s one thing you wish you plan would do that others do?

Tell me below 👇

08/13/2025

Big News, we have Partnered with Ladder Insurance! 🎉

I’m excited to share we are now teamed up with Ladder, a top-rated premium rate Term Life Insurance platform.

As a medical underwriter, I can shop 36 carriers to find the best rates for you, but with Ladder I don't do any underwriting, the website does it for you!

If approved protection for the family is secured quickly and you can feel your with a policy that is among our most competitive market wide.

Their 100% digital process means no medical exams for up to $3M, and you can adjust coverage as life changes (like paying off your mortgage). Rates are among the most competitive and I’ll be your agent for life.

Want to protect your family? DM me or click here for a quick quote!
https://lddr.io/a/c/AAAQAIIDruE
💪

We make life insurance simple. Insure the ones you love with Ladder.

07/14/2025

Who would be responsible for handling your final arrangement and would be financially impacted if you passed away unexpectedly? Don't answer just think.

06/09/2025

📢 What Happens to Your Social Security After You Pass Away?
Many couples think they’ll keep both Social Security checks if one spouse passes — but that’s not how it works. ❌

👉 You only keep the greater of the two benefits. The smaller one goes away.
That often leaves the surviving spouse with less household income, right when they need it most.

Let’s break it down with examples:

🔹 Example 1: Both Spouses Receive Social Security
👵 Sarah receives $1,300/month, and her husband, Mike, receives $2,200/month.
🪦 Mike passes away. Sarah does not get both checks.
✅ She now receives $2,200/month (Mike’s higher benefit),
🚫 but she loses her own $1,300 — a total household loss of $1,300/month.

That’s $15,600 a year gone.

🔹 Example 2: One Spouse Never Worked or Has Low Work History
👩 Emily never worked outside the home. Her husband Jack receives $2,400/month.
She was receiving a spousal benefit of $1,200/month (50%).
🪦 Jack dies. Emily now gets $2,400/month,
🚫 but loses the $1,200 spousal benefit — a drop of $1,200/month.

🔹 Example 3: Two Working Spouses with Similar Benefits
👫 Bill and Janet both worked and each earned around $1,900/month.
🪦 When Bill passes, Janet keeps $1,900,
🚫 but loses $1,900 from Bill’s income.
💔 That’s a 50% cut in household income, even though she still has bills, mortgage, etc.

💡 Survivor benefits only cover one check — not both. For most families, that means a major income reduction. That’s why life insurance is critical — it fills the financial gap Social Security leaves behind.

🛡️ Let’s make sure your family won’t be financially vulnerable during an already devastating time.

📲 Message us to start a no-pressure conversation.

Send a message to learn more

06/03/2025

Imagine your money is a tree. 🌳With a bank and every financial instrument I'm aware of when you take money out , and for example you take 95% for your use, you cut off 95% of the tree and hope the stump grows big fruit. With a properly structured life insurance policy, you borrow the fruit, but the balance isn't cut 95%, infact it isn't cut at all, your money tree keeps growing like you left it there!If you have a properly structured Whole Life or Indexed Universal Life (IUL) policy, here's the game-changer: You can borrow up to 100% of your cash value-without draining the accumulated value.Why? Because the accumulated value is the insurance companies. Caveat take it as a TAX FREE LOAN to yourself, because if you take it as a DISTRIBUTION you drain it just like a checking account and is taxed like the other instruments.Now compare that to a checking account, , , , savings or everything I know of. You pull 95% of your money out? Your interest now earns on what's left, not the full balance.Tell me:What other financial tool lets you use your money AND keep it growing at the same time?Drop it in the comments-I'm open to learning if something else out there can do this.And if you want me to show illustrations or break this down for yourself as a retirement plan, just say the word.Like follow and share if you want more money mechanics and money mindset breakdowns like this.

05/08/2025

Client education decent article on Fixed Annuities.

Here’s what you need to know about fixed annuities, their drawbacks and who should consider buying them.

04/23/2025

💸 Want life insurance that lets you pay one lump sum or over 10/20 years. Or if your in good enough health an IUL, fund it right, and your policy could be paid-up for life in less than 10 years! Check out this quick 1-minute video to learn more. 👉 Dm info to find out if you qualify!

04/18/2025

Hey everyone, Seferino here — welcome to the 1st Finance Education Friday!

Today, we’re diving into a financial tool that’s been around for decades, but in 2025, it’s quickly become one of the most talked-about and popular retirement solutions out there: Indexed Universal Life Insurance, or IULs for short.

Now, if you’ve never heard of them, or maybe you’ve heard the name but aren’t quite sure how they work — don’t worry, you’re not alone. These have quietly been used by banks, corporations, and the wealthy for years to protect and grow their money tax-free while providing powerful living benefits.

But with everything happening in the economy, rising taxes, market volatility, and folks looking for safer ways to build retirement income — IULs have stepped into the spotlight in a big way.

So in the next 5 minutes, I’m going to break down what an IUL is, how it works, and why so many families and retirees are turning to them right now in 2025. You might be surprised how this old-school concept has become one of the smartest financial moves people are making today.

Let’s get into it

11/15/2024

Hey homeowner with a mortgage from when mortgage rates and home prices were low, have you noticed how much your home’s value has grown recently?

Your home is most peoples biggest asset. Protect it with mortgage protection. 🏠

It’s incredible how much equity most homeowners like yourself have built up. That’s what we’re here to protect—your biggest asset for retirement and your family.

Go to Zillow.com enter your address take the value estimate minus your mortgage balance to get a estimated equity amount that you now own.

Equity along with inflation and cost of living have reached the highest levels in 40 years you you're fortunate to own something that was inflation proof and went up faster in value than anytime on record.

Msg on social or text my cell and I can go over affordable and even Return of Premium mortgage protection strategies.
931-538-9643