Zuleika Cadiz

Hey there! I'm Zuly

Ready to protect your loves ones?

Then you're in the right place

My name is Zuly, again I’m with AO Globe Life. I am glad that you got a chance to visit my page. I am really excited to be able to share these permanent benefits with you.

It really set you and your family up.

Have you ever heard of Globe Life Before?

Globe Life has been around for over 120 years and is the official Life Insurance Company for the Police Associations, Veterans throughout our Country, even Sports teams like the Dallas Cowboys, Texas Rangers, Atlanta Braves and most recently the NBA team- the Los Angeles Lakers. It’s also a fortune 500 company and has an A+ rating with A.M. BEST which means they pay out quickly on claims and financially a very stable company.

Don't believe us, believe them

Freedom of Choice Certificate

How does it work?

In your family’s hardest moments, we make things easier. Your loved ones receive a certificate they can take directly to the funeral home. The policy benefit is assigned to cover expenses— When the funeral costs are LESS than your certificate amount, anything left over goes right back to the family typically within 24-48 hours!

Tailored Coverage for Every Need
From $1,000 to over $120,000 in protection:

Whole Life: $1,000 – $34,999
Preferred Life: $35,000 – $59,999
Executive Life: $60,000 – $119,999
Select Life: $120,000 and above
(Seniors age 60–80 qualify for graded coverage up to $34,999.)

💸 Builds Cash Value
After just 3 years, your policy starts building cash at a 4.5% you can borrow against—your money, your way.

🛑 Paid-Up Benefit
Want to stop paying premiums later in life? After 3 years, you can convert to a reduced paid-up policy. No more payments, and you still keep coverage.

📆 Lifetime Protection
Your premium never goes up. Your coverage never goes away. What you sign up for today is what your family can count on forever.

🚬 Tobacco or Marijuana User?
No worries—your rate is simply based on usage, with flexible options to suit your lifestyle.

Additional payout for Accident, Auto Accident and Common Carrier on top of your Freedom of Choice Plan

It takes care of either your earth burial or cremation and MOST importantly all the final expenses that come AFTER the funeral costs.

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Our services

Term & Whole Life Insurance

If interested in our term insurances , ask the specialist what is available in your state.

Children Life Insurance

Planning for your child’s or grandchild’s future is one of the greatest gifts you can give them. With the Head Start program, you can give your loved one a head start on a lifetime of coverage – regardless of future health issues.

LEARN MORE

No Cost Benefits

Needs Analysis

Burial Guide

Will Kit and more...

LEARN MORE

AO Globe Life Veteran Division

Veterans

We are the company that handles the permanent benefits for ALL of the Veteran Service Organizations, which they refer to as VSO’s such as the VFW, American Legion, & Amvets across the country. I thank you for your service to our country, I don’t think our Veterans hear that enough, so again thank you!

VA Survivor's Benefits & No Cost Benefits

Take advantage of this benefit offered to veterans and their families. Our guide is designed to help you navigate the benefits available to you, ensuring your family’s financial security and well being.

Exclusive Veteran Life Insurance

Life insurance that is Exclusive to our members of major unions like police, firefighters & teachers, as well as millions of veterans across the US and their families.

Have you ever had to plan or participate in planning a funeral?

The reason that I ask is that it is a very serious problem. The concern is not IF you’re going to die because we all know that we will one day, right?

The biggest concern that the Organizations have is the cost of funerals and final expenses.

When you die – someone in the family has to face the funeral director and they run a business and want to be paid up front, right? Traditionally, there are 3 ways that people take care of those expenses.

Savings

The First is savings. But the problem with that is savings are NOT to die on, but to LIVE on – right? When people die and use those savings, then their families have little to nothing left because they have to pay dollar for dollar. They’re paying the highest price on everything.

Prepaid option

Second way is through a prepaid option. The issue there is spending $300 a month per person and can still leave a burden on the family. Because when you die, if it’s 10 or 15 years later, the family still has to pay those INFLATION costs. That means the funeral home sat on your money and earned interest on it. That’s a BIG concern for all families because many are on a fixed income.

Traditional Life Insurance

The Third way people cover their funeral is life insurance. But civilian life insurance is typically not accepted as an immediate payment by MOST funeral homes. Did you realize that?

Most people don't! Life insurance through civilian companies can take 6 months to 2 years to pay out and funeral homes are just not willing to wait.

Sometimes families still have to take out loans, put funerals on credit cards, or ask for help from strangers using GoFundMe. I’m sure you’ve heard of those before, right?

That’s exactly why they set up the “Freedom of Choice.”

Enroll TODAY and Leave a Legacy

Freedom of Choice Plan +

Additional payout for:

Accident : $10,000 up to 30,000

Auto Accident : $20,000 up tp 60,000

Common Carrier : $50,000 up to 150,000

(see agent for more information)

All your family has to do is take this into any funeral home and everything is taken care of ON THE spot and IMMEDIATELY!
That’s for any cause of death. Natural, illness or accident.
You can use it anywhere even if you move out of state.
Once approved, life insurance benefits are never canceled or reduced for the life of the policy as long as premiums are paid on time.
Benefits are paid free of federal income tax.

When the funeral costs are LESS than your certificate amount, anything left over goes right back to the family typically within 24-48 hours.
Basically, what that means is that they build up cash and a paid up value. They act like a mortgage. If things were to get tight for you guys financially down the road, there's money that's accessible to you - kind of like pulling equity out of your house.

The same coverage is also available for your spouse or other family members

Exclusive Benefits- everyone is seen separately because in all reality you all have different needs and wants! Get your Needs Analysis Survey. This is designed to address some of the major concerns that every single one of the members are having.

It is based on health and habits, not your wallet!

We all know tomorrows not promised and we’re all going to die. That’s just something we don’t have any choice or control over, so it typically comes down to people like yourself taking care of something like this now or that burden will likely be placed on your next of kin having to take care of this in the future.

A71 -HOSPITAL ACCIDENTAL BENEFITS

Have you guys ever thought about what you would do if you were HURT in some kind of accident? Exactly, they weren’t really concerned about your medical bills – MOST people have pretty good health coverage.

The MAIN concern is loss of income, most civilian are on a fixed income, as well as the other expenses that add up when somebody gets hurt and ends up in the hospital.

Emergency room

If you get hurt and it’s minor and you end up in the Emergency Room, they’ll cut you a check for ($50 up to $150) just for driving there to get it looked at.

(Payout will depend on the plan you select)

Hospital Stay

When it’s more serious, and you end up in the hospital, then they start sending you ($100 up to $300) every single day. They’ll do that for up to a full year, per person, per injury. That adds up to ($2100) per week!

(Payout will depend on the plan you select)

Intensive Care

Worst case scenario is that you end up in the ICU, they’ll DOUBLE that amount for a full TWO weeks since being in intensive care is life and death. They start sending you ($200 up to $600) every single day. If you are in the ICU longer than 2 weeks, it reverts back to that Daily Hospital pay, for the remainder of the time OR up to that 365 day mark.

(Payout will depend on the plan you select)

Now let me ask you, when that money comes in, will that help your family at all?

Those benefits will cover you and your spouse for the rest of your life starting TODAY, ANYWHERE in the world. The benefits never run out NO MATTER how many times you use them.

Don't believe us, believe them

Book your zoom call today!

Now, the way they set these up is by using an old labor principle called "The Dollar a Day Philosophy” for final expenses – because it isn't intended to change your lifestyle, but also to make sure that whether you are in retirement or still working that it is always affordable.

"God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work"

2 Corinthians 9:8

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YES! I WANT A FREE CONSULTATION

Step ONE

Check your email and book your zoom call asap! Tomorrow isn't promised!

Step Two

Benefits covers you and a spouse or partner. When booking appt, couples are seen together to get prequalified

Step Three

Make sure you have the following documents at the time of appointment: Driver’s License, any prescriptions you take as well as the bank information for the account you want this requested from monthly.