Life Insurance for everyone
Cristina Nañez
Cristina Nañez has lived in Alaska for 22 years; she has been a resident of the state for more than half her life. She has put down roots in Anchorage, where she works with a unique life insurance policy that she offers to the Hispanic community and to all people, regardless of ethnicity. Her insurance gives the benefits of the policy to the client himself. Benefits while alive, without the need for death.
“Life insurance is insurance for the descendants and heirs of the insured,” explains Cristina Nañez. “They are not for the insured, because the policy applies when he or she dies. It seems a contradiction for someone to take out an insurance policy that he or she will not enjoy.” “The difference in the life insurance I offer is that it does what traditional life insurance does (insures the family’s future, if the insured dies too soon), but you don’t have to die to use it. For example, if you need money for something important, this insurance can help you. It includes, at no cost, expenses for terminal, chronic or critical illness, and is the only one that covers a critical injury. In addition, the insured builds up a tax-free cash accumulation.” Cristina Nañez was born in Zacatecas, Mexico. She moved to Alaska and began a master’s degree in nursing, which she had to interrupt because she married a fellow countryman, Gerardo Esquivel, with whom she has three children, ages 15, 13 and 4. Two years ago, she felt her vocation as an entrepreneurial woman “and my husband, Gerardo, supported me from the very first moment.” And what was her idea of entrepreneurship? Well, she had noticed that the Hispanic community in Alaska was barely insured. “The language difficulties, the overly technical language of the insurance companies and the misgivings about the policies were evident. Insurance is a financial product and most Hispanics saw it as foreign to them. I felt there was a niche to fill, and I have filled it.” Cristina’s work is relevant considering these facts: ■ 6 in 10 Americans will live with at least one chronic disease. ■ A stroke occurs every 40 seconds in the United States, according to the Centers for Disease and Prevention. ■ An estimated 39.5% of men and women in the United States will get cancer, according to the National Cancer Institute. ■ Some 530,000 bankruptcies are filed annually due to medical debt, according to the Medical Bankruptcy and Economic Balance. Cristina Nañez is proud to work as the only agent in Anchorage who offers this type of life insurance from Worthington Financial Services, a company that has a legitimate right to profit but also offers benefits to its clients. Cristina provides complete, transparent customer service in her own language. “I have Hispanic clients and I am like them, Hispanic. But I also have American clients who are mostly white, African American, Asian, Alaskan Native... I am a trustworthy person. I give transparent and complete information so that clients know what is best for them. I adapt to the needs of each individual and their financial possibilities, so that money is not an obstacle to taking out a policy”. Worthington Financial Services is an insurance company with more than 170 years of history and one of the main insurance companies in the United States. It has been around throughout difficult periods such as the First World War or the Great Depression. It was the main insurer of the Titanic, and its brilliant management and customer service has brought it to the present day, entering its third decade in the 21st century. |