Frequently Asked Questions

It is the amount of medical expenses paid by the client that will not be reimbursed. All expenses accumulate and, once the deductible is met, the company begins to reimburse or cover future expenses according to the policy. The maximum deductible for a family is generally limited to 2 times the individual deductible amount.

Direct payment: Occurs when the medical provider agrees to bill the insurance company directly (common in hospitalizations and surgeries). Requires prior notification.
Reimbursement: Occurs when the insured pays for care (usually smaller consultations) and requests reimbursement by presenting documents and invoices.

There is generally a 30-day waiting period (except for emergencies/accidents), which can be waived if there is proof of previous insurance. UCR stands for "Usual, Customary and Reasonable," which is the basis for calculating reimbursements out-of-network.

The waiting period for maternity is 10 months. Normal delivery or C-section is covered according to the plan. Maternity complications are also covered (except in cases of assisted fertilization, where complication coverage may be excluded depending on the policy). The baby can be born anywhere in the world if it is a free choice plan.

Investing under another jurisdiction offers legal security, tax efficiency, and protection against political or economic instability in your country of residence. It is the only way to achieve true diversification.

No. We have Future Reserve plans that allow starting with monthly contributions from USD 250 or USD 500. For those who wish to make a single contribution (Private Banking style), accounts start at USD 75,000.

Yes. We work with first-tier institutions (Dominion, Investors Trust, StoneX) in regulated jurisdictions. Your assets are segregated from the financial institution's balance sheet, ensuring that the money is yours, regardless of the bank's financial health.

Yes. For non-residents, the estate tax on US real estate can reach nearly 40%. Life Insurance is the most effective tool to cover this cost, preventing the family from needing to sell the property to pay the tax.

Term Life: Covers a fixed period (e.g., 20 years). More affordable, ideal for high protection during the productive phase.
Permanent (Whole/Universal): Covers the whole life and accumulates cash value that can be redeemed in the future. Ideal for succession and legacy.

It is corporate insurance taken out on the life of an essential partner or executive. If this person is missing, the company receives the capital to cover the loss of revenue and replacement costs, ensuring the continuity of the business.

No. We act as a platform and technical support. The client remains the partner's (broker or consultant), and we provide access to international products and all the necessary back-office support.