09/22/2017 Latinos and Life Insurance: A Population that Seeks Trust

Abel Gonzales, Market Director

Latinos and Life Insurance: A Population that Seeks Trust

During Hispanic Heritage Month, we celebrate the contributions and milestones of the Hispanic community. At Combined Insurance, we understand the value of serving the Latino community by offering supplemental insurance products in both English and Spanish. 

September is also Life Insurance Awareness Month—a month designated to helping consumers understand the importance of life insurance, coordinated by non-profit organization Life Happens.

Protect your family with a provider you can trust

We know that insurance in the Latino community begins with trust. The first step in recognizing a quality insurance plan is proper education around the benefits and coverage the plan provides. Also, look for a company with credibility in the industry and:

  • An A+ Financial Rating
  • A BBB Accredited organization
  • One that has longevity in the insurance industry
  • A company that makes insurance easy to understand

In summary, look for an insurance company with an established history, financial stability and a high rating by insurance industry rating organizations

Deciding on life insurance plans

Trying to decide whether or not life insurance is for you?  If you have dependents, securing a policy gives you peace of mind. If something happens to you, the coverage will help those who depend on you.  If you do not have any dependents, or if you have enough savings to provide for your dependents if you pass away, you may not need life insurance.

Each situation is different, and it is important that you consider your individual needs and the needs of your family once you are gone. Your agent can help you choose the right plan if you do decide that life insurance is right for you. Keep in mind a plan that:

  • Is flexible and can be tailored to the needs of an individual or family
  • Provides for benefit payments to be made directly to the policy beneficiary

Individualized help in the language you prefer

Combined Insurance embraces and enables its bilingual professionals to assist customers with their insurance needs. We offer training in Spanish or English and marketing and sales material are available in both languages in many states. Many Agents can give product presentations in either language, ensuring they can properly serve Spanish-speaking customers.

Our new website can easily go from English to Spanish with a click, and when customers call  customer service, they can request a Spanish-speaking representative, and we recently launched a Combined Latino Facebook page.

Combined Insurance is truly committed to offering supplemental insurance to the Latino community. To find an agent near you, visit our Find an Agent page.


Life insurance policies issued by Combined Insurance Company of America (Chicago, IL) in all states, except New York. In New York, life, accident & sickness and disability insurance policies issued by Combined Life Insurance Company of New York (Latham, NY). Combined Insurance Company of America is not licensed and does not solicit business in New York.



1 “Top 10 Facts About the Hispanic Market and Life Insurance.” Healthy Hispanic Living, healthyhispanicliving.com/insurance_security/behaviorial_tendencies/top_10_facts_about_the_hispanic_market_and_life_insurance. Accessed 14 Sept. 2017.

For Individuals & Families Coverage = Confidence

Life full of uncertainity.You can't eliminate it.But you can manage it. Supplemental coverage from Combined Insurance helps you pay for things standard insurance doesn't cover. So, you're prepared for the unexpected.

For Employers & Associations Coverage they want

Great talent expect great benefits, which is why we help employers provide the supplemental insurance coverage their workforce wants – while managing the cost of doing so.


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Being a successful Combined Insurance agent requires focus, discipline and self-motivation. We have tools, programs and opportunities for you to build your skills and grow your career.

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