Aqua Coast Financial

What We Offer

SunsetSailboats_edited

Living Benefits Insurance

The Best Kept Secret receive your benefits right now!

SunsetSailboats_edited (1)

No Exam Life Insurance

No doctor or nurse will visit you. Pre-approval over the phone.

SunsetSailboats_edited (2)

Instant Life Insurance

Simple, affordable, pay now by Debit/Credit Card instantly.

SunsetSailboats_edited (3)

High Risk Life Insurance

Guaranteed life insurance protection! We can insure you, no matter your health.

    Select Insurance


    Fill Your Detail

    MaleFemale


    Write Message

    [multi-step-form id=”1″]

    Play Video

    Licensed Life Insurance Agents

    At Aqua Coast Financial we represent over 100 A+ rated life insurance companies nationwide. Our 16 years’ experience allows us to customize the proper coverage to financially protect our clients and their loved ones. With over 500 products to choose from we can research your current policies, identify your needs, investigate ideal protection choices, and make recommendations for you to implement. Additionally, we can propose exchanging, replacing, or renewing your current coverages to include “Living Benefits”.

    Also, if a Tax-Free retirement is important to you, we can design a tax-deferred cash accumulation account with a life insurance benefit, or even an income stream that you cannot outlive. Even if there is a decline in the Stock Market, your assets will have downside protection from loss.

    You and your family deserve the best. Put us to work to earn your trust. Hundreds of clients nationwide already have. We want to be your licensed Financial Professional for Life.

    Wealth Strategies

    With over 19,000 Agents nationwide we have the skill sets to develop an action plan to fit your retirement needs. Our firm will customize a retirement plan including:

    • Stocks, Bonds, Mutual Funds

    • IRAs, Roth IRAs, 401(k) Rollovers

    • Mortgage & Income Protection

    • Final Expense/Estate Conservation

    • Disability/Long Term Care

    Lifetime Income

    Our firm focuses on designing multiple income streams that you cannot outlive, the potential for tax-free growth and/or distributions while keeping your fees to a minimum:

    • Tax Sheltered Annuities (Fixed/Variable/Deferred)

    • Universal Life (Guaranteed, Universal, Indexed)

    • Whole Life (Participating)

    Business Pension Plans

    We work with business owners to accomplish the wealth accumulation needed for tomorrow as well as provide for tax advantages and other benefits today.

    • Traditional Defined Benefit

    • Profit Sharing

    • 412(e)(3) Fully Insured Defined Benefit

    • 401(k) & Safe Harbor 401(k)

    • Cash Balance

    Meet the Team

    Robert John Hila

    Bob is the Sr. Life Insurance Advisor and began in 2005 as a Life/Health Agent with Farmers Insurance. In 2008 he became an Investment Advisor and FFM certified in 2021. He has over 16 years of securities, insurance, and financial planning experience with 90+ companies nationwide.

    Tammy O.

    Tammy began her insurance career in April 2000 at Janimo Insurance Company. In November of 1992, Tammy left Janimo and started her sales career as an agent with Freeman Insurance Ltd.

    Vanessa C.

    Vanessa began her insurance career in April 2000 at Hortense Insurance Ltd. In November of 2013, Tammy left Hortense and started her sales career as an agent with Gage & Richards Insurance Ltd.

    Frequently Asked Questions

    Our Life insurance agent offers a lot of different kinds of life insurance to help you get the right one for you. We offer Living Benefits Life Insurance, No Exam Life Insurance/No Questions Life Insurance, Fast Life Insurance/Quick Life Insurance/Instant Life Insurance, and High Risk Life Insurance. Contact us and we will have a life insurance agent assist you, and give you a free price quote on your insurance!

    Traditionally a life insurance policy pays out a Death Benefit to the family members once an insured client passes away. With Living Benefits, if an insured client experiences a “Terminal, Critical, or Chronic” illness while they are still alive, they can receive 25, 50, 60, even 90% of their death benefit immediately. They do NOT need to wait until their passing. This benefit can pay for medical bills, final expenses, vacation with the family, anything. There is no restriction for the use of their payment. And the balance will be left to the family.

    You may be asking “What are the Qualifying Events” that allow me to request a portion of my death benefit?

    Let’s investigate the 3 categories that may trigger eligibility:

    First, Terminal Illness:

    The insured client had been diagnosed, by a medical professional, as having a non-correctable illness or condition which is reasonably expected to cause their death within 12 or even 24 months from their diagnosis, depending on which state they reside. They can receive up to 90% of the total benefit.

    Second, Critical Illness:

    The insured client had suffered the event of a heart attack, blindness, cancer, stroke, major organ transplant, Lou Gehrig’s disease, and others. They can receive between 60 – 80% of the total benefit.

    Third, Chronic Illness:

    The insured client is cognitively impaired or certified by a medical professional as unable to perform certain “Activities of Daily Living” such as bathing, continence, dressing, eating, toileting or transferring. Although this benefit cannot replace proper Long-Term Care protection, it can provide an annual or lump sum of 25 – 60% of the total benefit.

    In fact, over 92% of ALL Life Insurance policies purchased before 2019 do NOT have this very crucial payout option called “Living Benefits”. Allow me just a couple of minutes to explain, and I’ll show you how vital these benefits pay you while you are still alive, what is the cost to you to have these options, and how you can upgrade your current policy.

    Well, in today’s competitive market you can purchase an option called a “Rider” for a fee on older Life Insurance policies. But typically, the Living Benefits are now being incorporated into many of the “New” Term Life, Whole Life & Universal Life policies without an extra fee. However, not all Life Insurance Carriers offer these “Newer Policies”. You need to hire a Life Insurance Agent, like Aqua Coast Financial, to find the policy coverage that is right for you. We have over 500 products approved nationwide, so we search the absolute best Life Insurance Carriers that exceed the needs of our clients. You owe it to yourself, and your family, to get the absolute best. 

    Lastly, you may say to yourself, “It’s too late to Take Advantage of this Program”. Maybe not. 

    At Aqua Coast Financial we have over 16 years’ experience customizing the proper coverage to protect our clients and their loved ones. We can research your current policies, understand your needs, investigate ideal protection options, and make recommendations for you to consider. Additionally, we can propose exchanging, replacing, or renewing your current coverages to include “Living Benefits”. We want to be your licensed Agent for Life. 

    You and your family deserve the best. Put us to work to earn your trust. Hundreds of clients nationwide already have.

    Testimonials

    4.3/5
    Bob Hila at Aqua Coast Financial was a godsend for me. He tirelessly searched for insurance to cover high risk candidates and found the perfect company for me with more coverage than I originally inquired about.
    Nancy G
    Rancho Cucamonga, CA
    4.3/5
    I was amazed at how easy planning for my retirement with Aqua Coast Financial could be. I am protecting my wife, kids and I have a real hope for my financial future. You guys are awesome.
    Javier C
    Taos, NM
    4.3/5
    As the CFO of a small telecom company, we were able to offer our employees a 401(k) retirement plan that is feature rich. Bob and his team made the process seamless. Many thanks.
    George P
    Miami, FL

    Wanna Talk To Us?

    Please feel free to contact us. We’re super happy to talk to you. Feel free to ask anything.

    Contact Details

    Contact Us today, and we will get you covered quickly at the right price.

    Open Hours

    Monday: 9am – 6pm

    Tuesday: 9am – 6pm

    Wednesday: 9am – 6pm

    Thursday: 9am – 6pm

    Friday: 9am – 6pm

    Saturday: 10am – 2pm

    Sunday: Closed