A unique perspective to life insurance planning.
You’re in great company with Soraya Bonfim.
“Life can be complicated, but protecting yourself and those you love doesn’t have to be — this is where I can help. My vision is to bring peace of mind to everyone I touch.
At the end of the day, what you want is to protect what matters most: your family.”
“Life can be complicated, but protecting yourself and those you love doesn’t have to be — this is where I can help. My vision is to bring peace of mind to everyone I touch.
At the end of the day, what you want is to protect what matters most: your family.”
Why Soraya Bonfim?
My approach is rooted in empathy and understanding, helping clients to navigate the complexities of life insurance with compassion and expertise. I believe in building a long-term relationship based on trust and mutual respect, ensuring that your financial future is protected.
- Get a complimentary insurance consultation before committing to a policy.
- Insurance services tailored to your needs, no matter your goals or situation.
- We guarantee our valued clients a 100% time, effort and dedication.
- Explore the variety of annuities and life insurance options we provide.
Life Insurance
It provides financial protection to the insured person’s family or other dependents in the event of their death, critical illness, or permanent disability, helping to cover expenses such as funeral costs, outstanding debts, and living expenses.
Each type of life insurance has its own features and benefits, so it is essential to understand your financial goals and needs before choosing a policy.
Term Life Insurance: Provides coverage for a specific period (e.g., 10, 20, or 30 years). It is typically less expensive than permanent life insurance but does not build cash value.
Whole Life Insurance: Offers coverage for the entire life of the insured. It includes a cash value component that grows over time and can be borrowed against or withdrawn.
Universal Life Insurance: Provides flexibility in premium payments and death benefits. It also includes a cash value component that earns interest over time.
Variable Life Insurance: Allows policyholders to allocate premiums among a variety of investment options. The cash value and death benefit can fluctuate based on the performance of the investments.
Indexed Universal Life Insurance: Combines features of universal life insurance with the opportunity to earn interest based on the performance of a stock market.
Annuities
It’s designed to provide a regular income stream in exchange for either a lump sum payment or a series of payments. Annuities are often used as a way to ensure a steady income during retirement.
Each type of annuity has its own features and benefits, catering to different financial goals and risk tolerances.
Fixed Annuity: Provides a guaranteed interest rate for a specified period, offering stable growth and income.
Variable Annuity: Offers investment options in stocks, bonds, and mutual funds; with returns dependent on market performance.
Indexed Annuity: Tied to stock market index, providing the potential for higher returns while protecting against market downturns.
Immediate Annuity: Offers immediate income payments after a lump-sum premium, providing a steady stream of income.
Deferred Annuity: Allows you to invest and grow funds tax-deferred until choose to receive payments, often used for retirement planning.
Expertise and care
Competitive Advantage
Top-notch Support
We offer round-the-clock availability for your convenience. Reach out to us via chat or phone call to discuss any issues you may have.
Professional Agent
Our team compromises experts in all levels of insurance, ensuring you can afford coverage tailored to your needs.
The Best in North Dakota
With your agreement, we will sign a contract to begin performing the service necessary to achieve your objective and pursue your rights.
Meet Soraya
Who am I?
I am a native Brazilian who had the privilege of living and conducting business abroad in the United Kingdom for 23 years where I met my husband. My journey has brought me here to the U.S. as he was relocated here via his career in the United States Air Force. This journey has been one of continuous growth and education as I find myself immersed in a new culture and environment, further enriching my life experiences.
Foremost in my values is the importance of contributing to my community by facilitating change in peoples lives. This belief has guided me to work with various communities, each time reaffirming my commitment to improving the lives of others.
I am now transitioning into a career as a financial strategist, driven by my observation that financial distress is an issue affecting people’s lives. This passion of mine is what drives me to help individuals invest in the best interests of their families and themselves. With a background in Psychology and Counseling that equips me with a unique perspective, I look forward to analysing the complex relationships between financial well-being paired with healthy/realistic expectations.
Most common questions
Frequently Asked Questions
Life insurance is a financial product that provides a lump-sum payment to your beneficiaries upon your death. It serves as financial protection for your loved ones, ensuring they have financial support in the event of your passing.
The amount of life insurance coverage you need depends on various factors, such as your financial obligations, income, and future needs. Our experts can help you assess your specific situation to determine an appropriate coverage amount.
You can contact our customer service team to make changes to your policies or discuss any updates. Whether it’s adjusting coverage amounts or beneficiaries or making changes to your annuity payment structure, we’re here to assist you.
Contact information
Contact Me
agent@sorayabonfimfs.com
Call to us
+17018186088