Rolando Cantu- Hotaling Insurance Services

03/07/2023

Are you or do you know a foreign national living in the USA? It’s important to protect your loved ones and your assets with life insurance. At Hotaling Insurance, we offer life insurance specifically designed for foreign nationals living in the USA. Our experienced team can help you find the right coverage for your individual needs and budgets. Lets have a conversation, contact me today!

01/05/2023

11/14/2022

Does this apply to you or your loved ones? If so, we specialize in providing in depth audits, analysis, advising and we would love to help you protect what matters most!

10/25/2022

Due to rising interest rates and asset volatility, many Americans are looking for alternative and stable investments outside of the stock market. With that in mind, this month's Hotaling Hot Topic features a unique insurance strategy that we call, "Be Your Own Bank."

How does this concept work?
The "Be Your Own Bank" concept allows policy owners to put their money to work inside a life insurance contract rather than letting it sit in a bank to earn very little interest.

By depositing a large sum of money into a Premium Deposit Account (PDA) inside a Whole Life insurance vehicle, the policy owner can obtain a guaranteed, tax-free Rate of Return (ROR) while having access to the cash via a line of credit whenever the funds are needed. Essentially, the PDA mimics a checking account with a greater rate of return and over 5-7 years, the funds are evenly distributed into the Whole Life contract while the PDA accrues interest of about 3-4% (carrier pending) on the remaining balance.

In addition, the strategy gives the policy owner the power to "be their own bank" and access a line of credit at 90%-95% loan-to-value (LTV).

What are the benefits?
After the initial contribution, the combination of the Cash Value and the PDA (generally about 90-96% of your contribution - pending age and health) will create liquidity inside a conservative life insurance contract. With complete financial freedom, the policy owner can then reinvest in other income-producing opportunities, such as real estate, hard money loans, and business inventory/expansion, by using the income to pay the tax-deductible interest on the line of credit while the insurance values grow TAX-FREE.

Who is an ideal client?
This program is ideal for individuals under the age of 60, in good health, with high cash positions looking to deploy ($50,000- $10,000,000) into income-producing investments.

Want to learn more?
If you would like to learn more about our "Be Your Own Bank" strategy, please let me know, and we can schedule a call to discuss your needs in detail.

Warm Regards,

Rolando Cantu
Insurance Specialist

[email protected]
C 956-407-0513

10/13/2022

Good morning friends and family, we are having a breakfast and learn for Rio Grande Valley business owners on how to protect yourself and your assets from the risks associated with your business. Please text, call, email, or DM me so I can get your spot reserved!

09/07/2022

As a risk management family office, Hotaling Insurance Services delivers proactive and holistic strategies to their clients and to their Center of Influences. We are here to help families and business owners with your insurance needs and tax strategies so you can create generational wealth for your loved ones. Let’s talk and see what we can do to help you.

06/04/2021

𝐎𝐏𝐄𝐍 𝐇𝐎𝐔𝐒𝐄 𝐀𝐋𝐄𝐑𝐓 ‼ Sunday JUNE 6 Come Join us👨‍👩‍👧‍👦 from 11:30 to 5PM 🕔as we tour this beautiful home located in the growing city of Pharr🏡. Lender will be on site ready to answer any mortgage questions CrossCountry Mortgage, LLC . 💯Goosehead Insurance- Rolando Cantu will be helping clients out with their insurance quotes.✅ Valley land title MISSION will be present to assist with all your closing concerns.🔑 WE GOT YOU COVERED .🤩

🍗BBQ, REFRESHMENTS , MUSIC & MORE...🕺

𝟒𝟎𝟗 𝐆𝐚𝐫𝐫𝐢𝐬𝐨𝐧 𝐏𝐡𝐚𝐫𝐫 𝐓𝐞𝐱𝐚𝐬 𝟕𝟖𝟓𝟕𝟕📍