Austin, Texas | Spanish & English Service

Life insurance doesn’t just insure you. It helps secure your family’s financial future today.

Real protection for what no one expects: premature death, critical illness, disability or old age. We design the right plan for your specific situation.
Your financial plan answers these questions:

What if I die too soon?

Life Insurance

What if I get seriously ill?

Living Benefits

What if I become disabled?

Long Term Care Insurance

What happens to my estate when I die?

Wills & Trusts

What if I live too long?

Social Security + Savings + Investment

Education & Protection

Protect What Matters. Build What’s Next.

At El Punto Insurance, we believe every strong financial future begins with protection. We help individuals and families secure their loved ones through life insurance solutions that provide financial security, peace of mind, and confidence for the future. Through our association with World System Builder, we also promote financial education and long-term planning.

Protection

Debt management

Emergency fund

Investing

Our Products

What type of insurance do you need?

Each life situation has its appropriate solution. We present every option in clear and formal language, without unnecessary technical terms.
Cesar Muniz
License # 18514134

Term Life Insurance

Pure protection. Highest coverage at the lowest monthly cost.
Term Life Insurance covers a defined period — 10, 15, 20, or 30 years — and pays the death benefit income-tax free if the insured passes away during that term. It does not build cash value. You pay exactly the cost of insurance and nothing more.
It is the ideal solution when the need for protection is temporary: while children are growing, while paying off a mortgage, or while you are the primary provider for the household.
Family protection
Low monthly premium
High coverage
Defined term
Death benefit
A truth few people are told: “All insurance is term insurance. The cost of term insurance always increases.” Buying early, while you are young and insurable, guarantees the lowest available premium. Each year you wait, the cost increases — or eligibility may be lost.

Indexed Universal Life Insurance (IUL)

Permanent protection + cash value accumulation + tax advantages + living benefits.
Indexed Universal Life Insurance (IUL) is one of the most comprehensive permanent life insurance policies available. In addition to the death benefit, it builds cash value linked in part to a stock market index, with a guaranteed minimum — meaning you may benefit from market growth without losing value when the market declines.
It automatically includes living benefits for terminal illness and allows additional riders for critical and chronic illness. It is also a powerful tool to supplement retirement through tax-advantaged withdrawals and policy loans.
Permanent policy
Cash value
Tax-deferred growth
Living benefits
Retirement
Legacy
Important: Indexed Universal Life Insurance (IUL) is not a stock market investment or a direct index investment. It is life insurance with an index-based crediting strategy. Past performance does not guarantee future results. Loans and withdrawals reduce cash value and the death benefit.

Whole Life Insurance

Permanent protection with guaranteed cash value from day one.
Whole Life Insurance provides lifelong coverage with a fixed premium that never changes and a guaranteed cash value that begins building immediately. It is the most predictable option: you know exactly how your policy will grow year after year, regardless of market conditions.
It is ideal for individuals who value absolute certainty over flexibility. The cash value can be accessed through policy loans or used as a retirement supplement.
Permanent policy
Fixed premium for life
Guaranteed cash value
Legacy planning
Predictable accumulation
Key difference vs Indexed Universal Life Insurance: In whole life insurance, cash value is fixed and guaranteed. In Indexed Universal Life Insurance (IUL), it is linked to an index with higher growth potential but without a guaranteed return above the minimum. The choice depends on your risk tolerance and financial goals.

Long-Term Care Insurance (LTC)

Because you do not want to become a financial burden on those you love most.
Long-term Care Insurance covers the cost of specialized care when you can no longer perform at least 2 of the 6 activities of daily living: bathing, dressing, eating, transferring, continence, and toileting.
It also applies in cases of severe cognitive impairment certified by a medical professional. This coverage includes home care, assisted living facilities, or nursing homes — the type of expense that can consume decades of savings in just a few months.
Disability
Specialized care
Savings protection
Family stability
Senior care
Financial reality: A stay in a skilled nursing facility can cost between $5,000 and $12,000 per month. Without Long-Term Care (LTC) coverage, this cost is typically paid directly from family savings or by adult children. Secure this coverage before you need it.

Medicare & Medicare Supplements

Smart healthcare coverage for those already eligible for Medicare or approaching age 65.
Medicare is the federal health insurance program for individuals aged 65 or older, and for some younger people with disabilities. It covers hospital care (Part A) and medical services (Part B), but it includes copayments, deductibles, and significant coverage gaps.
Medicare Supplements (also known as Medigap) help cover the costs that Original Medicare does not pay, including copayments, deductibles, and additional out-of-pocket expenses. It is the difference between being “covered on paper” and being truly protected.
Medicare
Age 65+
Healthcare coverage
Medical expenses
Retirement planning
Social Security was never designed to be your only source of income in retirement — and Medicare was never intended to cover all your medical costs. A well-selected Supplement plan can save you thousands of dollars per year in unexpected medical expenses.
How much coverage do you need?

The D.I.M.E Method

Do not choose a random number. The D.I.M.E Method is the standard for calculating exactly how much money your family would need if you were not here today. It assigns concrete values to every real financial risk.
Just as you insure your car for its value and your home for the cost to rebuild it, your life should be insured based on the true economic value you provide to your family. The D.I.M.E Method calculates it without assumptions.

Get your recommended coverage estimation

Dime Calculator

D

Debts

Add up credit cards, loans, auto loans, and student debt. If you pass away today, someone will be responsible for paying them.
I

Income

Multiply your annual income by the number of years your family will depend on it financially.
M

Mortgage

Include your remaining mortgage balance or the housing cost your family will need to cover.
E

Education

Calculate the college cost for each child to avoid future student debt.
What most people don’t know

Your insurance can pay you while you are alive.

Indexed Universal Life (IUL) policies with Living Benefits allow you to accelerate part of the death benefit if you suffer a critical, chronic, or terminal illness. The money is yours — use it as you choose.
Critical Illness

Severe events such as stroke, heart attack, or paralysis. Early access to funds before the event drains your finances.

Chronic Illness

Inability to perform 2 of 6 basic daily living activities, or severe cognitive impairment certified by a physician. Claimable up to once per year.

Terminal Illness

Diagnosis with a life expectancy of 12 months or less. Access up to 100% of the available death benefit. Included automatically in the policy.

What can the money be used for?

Mortgage payments, food, non-covered treatments, home care, or bringing family together. It is entirely your decision — no restrictions.

Real example: A 45-year-old man with a $500,000 policy. At age 53, he is diagnosed with pancreatic cancer. He accelerates 100% of the available benefit and receives $462,303 to use as needed.
Who needs life insurance?

Get coverage while you still qualify

The most expensive reason for not having life insurance is waiting. An illness, a diagnosis, or simply the passage of time can result in higher rates, less favorable terms, or even loss of eligibility altogether.
Stay-at-home parents

Even if you do not earn a paycheck, your work has real and measurable economic value. If you are not there, someone would need to pay for everything you do today.

Single individuals

Parents or siblings who depend on you, co-signed loans, business partnerships, or simply buying coverage while you are healthy and eligible.

Families with children

The clearest case. If you pass away or become disabled, how would your family maintain their current lifestyle? Who would pay the mortgage, school, car, and monthly expenses?

Self-employed individuals

No employer benefits, no group insurance, no guaranteed pension. Everything depends on your ability to generate income — and that can change in an instant.

How we work

4 steps. No complications.

We build processes, not promises. This is exactly how we help you protect what matters most.
Financial assessment

We review your debts, income, dependents, and goals to understand your current situation.

D.I.M.E. calculation

We determine the ideal coverage your family would need using the D.I.M.E Method.

Plan design

We select the right product based on your age, health, budget, and goals.

Application & follow-up

We complete your application and guide you through the process — and continue supporting you after.

An unexpected loss does not have to destroy your family’s financial stability.

Proper protection is built before you need it — not on the day you need it. Schedule your free 20-minute consultation with a licensed agent from El Punto Insurance. No commitment, no pressure, real answers.

Licensed Agents

Affordable Plans

Spanish & English

Customized Coverage

Frequently Asked Questions

The questions everyone has but few ask

Not necessarily. Policies with Living Benefits — such as Indexed Universal Life Insurance (IUL) — allows you to access part of the death benefit if you suffer a terminal illness (life expectancy of 12 months or less), a chronic illness (inability to perform 2 of 6 basic daily activities), or a critical illness (heart attack, stroke, paralysis). The money is yours and can be used without restrictions while you are alive.

It depends on the coverage amount requested. Policies between $25,000 and under $100,000 may qualify for non-medical underwriting: no blood tests, no urine test, and no paramedical exam. Higher coverage amounts or higher-risk profiles require the standard medical underwriting process. In all cases, we guide you through the entire process.

Technically yes, but the cost increases every year and you may lose eligibility if you develop a medical condition. The rule is simple: buy early while you are young, healthy, and insurable. What costs $25 per month today may cost $80 in 10 years, or may not be available at all. Waiting always increases risk.

No. Indexed Universal Life (IUL) is not a stock market investment or a direct market account. It is a permanent life insurance policy whose cash value is credited based on the performance of an index, with a guaranteed minimum that protects against losses. You do not lose when the market goes down, but growth is capped at a maximum rate. Past performance does not guarantee future results.

Yes, and in many cases more than expected. Reasons include financially dependent parents or relatives, co-signed student loans, business partnerships, and the most strategic reason: buying while young, healthy, and with the lowest possible premium. Additionally, Indexed Universal Life Insurance (IUL) cash value can grow for decades with tax advantages.

For policies with accumulated cash value (Indexed Universal Life Insurance or Whole Life Insurance), the cash value may temporarily cover policy charges as long as sufficient funds are available. Term life insurance includes a grace period (usually 30 days) before cancellation. In all cases, we notify you in advance and review options to help you avoid losing coverage.

It is measured per $1,000 of coverage, similar to other insurance products. A young and healthy individual may get $500,000 of term coverage for under $30 per month. A 35-year-old non-smoker may access $300,000 of permanent Indexed Universal Life Insurance (IUL) coverage with living benefits for approximately $158 per month. Final cost depends on age, health, product type, and coverage amount. The initial consultation is free, and in 20 minutes you receive a real quote.

Let’s find your ideal plan

Get Your Free Quote Today

Complete the form and one of our licensed agents will contact you to help you explore personalized life insurance options that fit your needs and budget.
Contact Form – English Version