Risk Management

Planning for contingencies of untimely deaths, disabilities, sicknesses or injuries is as important as saving for one’s retirement. As professionals through Luis R. Quinones Insurance Agency Inc. and Lincoln Financial Securities, we are able to provide our clients with a diversified group of companies that we believe are the backbone of the Life, Disability and Long Term Care Insurance industry. Each product that is bought by our client has a purpose in their financial situation, covering a specific area of the financial planning process. 



Life Insurance

Life insurance is a risk management tool used to protect our heirs and loved ones from an unforeseen loss, avoid estate taxes, replace income and debt reduction. Since each client has his own unique situation, it can be used for many different reasons which will depend on current life cycle and circumstances. 

The sector has also evolved into the wealth management space and can be used to complement traditional investment portfolios.


Disability Insurance

Like we mentioned before, you must have a strategy in place to plan for a contingency like being disabled and not being able to work. Some clients have strategies that are paid through their employers; some are provided by the government.  This coverage is crucial to replace part of your income. 


Long Term Care

We all have been faced with the situation of having a family member ill, and have watched the complications it can create in our daily living. We have programs that can help family members take care of their loved ones.