Aston Insurance Group

Touch Points

Aston Life Insurance - Who Are We?

Health Care Reform – Obama Care

Life Insurance with Living Benefits

Who Are We?

Aston Life Insurance is a company that focuses on advising individuals, families, and business in the protection of finances.

Our goal is to provide you with the information that you need to choose the best insurance company for you, your family, and business.

Health Care Reform

Affordable Care Act

The Obama Care is a compressive health reform signed by President Barack Obama in March 2010. The law makes preventive care – including family planning and relating services – more accessible and affordable for many Americans.

What has changed?

• No pre-existing conditions / No underwriting• Penalty for those who do not have health

insurance• Government’s subsidy• Open enrollment period.

• October 1, 2015 through Enero 31, 2016– First Effective Date will be January 1, 2016

Essential Health Benefits

• Ambulatory patient services • Rehabilitative and habilitative services • Emergency services • Laboratory services • Hospitalization • Preventive and wellness services & chronic

disease management • Maternity & new born care • Mental health & substance Abuse • Pediatric services including oral & vision care • Prescription drugs

Penalties

Joe, Claire, and their 2 children

$70,000 Income

$29,000 Assumed tax-filling threshold

Greater of $975 ($325 per adult and $162.50 per children

or$820 (2% of income over tax-filling threshold)

Greater of $2,085 ($695 per adult and $347.50 per children

or$1,025 (2.5% of income over tax-filling threshold)

Greater of $285 ($95 per adult and $47.50 per children

or$410 (1% of income over tax-filling threshold)

Qualified Plan Levels

Actuarial Value

Actuarial Value takes into account:Coinsurance, deductibles, co pays, and OOP max

What Exchange Plans Might Look Like

Actuarial Value OOP Max Deductible Coinsurance

60% $6,350 $4,500 20%

70% $6,350 $2,700 20%

PLANTIUM: 90% of Costs

GOLD: 80% of Costs

SILVER: 70% of Costs

BRONZE: 60% of Costs

Catastrophic (Individual Only)Up to age 30 / exempt from mandate

Subsidy

Subsidy will be based on personal income as it relates to Federal Poverty Level

Subsidy will be based on silver plans

Individuals $11,490

Family of 2 $15,510

Family of 3 $19,530

Family of 4 $23,550

Family of 5 $27,570

Family of 6 $31,590

Family of 7 $35,610

Family of 8 $39,630

%FPL 100%-133% 133.01% 150% 200% 250% 300%-400%

Threshold% 2% 3% 4% 6.3% 8.05% 9.5%

FPL$ $21,050 - $30,657 $30,659 $34,575 $46,100 $57,625 $69,150 -

$92,200

Threshold $ Annual

Premium$461 - $613 $920 $1,383 $2,904.30 $4,638.81 $6,569 -

$8,759

Who Can Help Me?

Insurance advisors with the 2-15 licenseand

the government’s certificate to ensure you with the Affordable Care Act

Contact Our Specialized Health Advisor

Adriana Rubio(786) 222-1299

adriana@astonlife.co

Life Insurance with Living Benefits

“If I Die, Why Do I Need Money?”

You don’t, but your family, your business, or your favorite charity might.Your family will be paid in cash when you die or while you are ill, replacing your income and allowing your financial plans to continue. Money can be used for:

• Mortgage Payments• University Tuition• Outstanding Loans• Other Expenses

Living Benefits

• Life Insurance can help you protect your family through life’s unpredictable changes.

• You don’t need to be dead in order to receive the benefits of a live insurance.

• You will be paid while you are alive and unable to work.

How is my family going to manage financially if I get sick?

What Can Happen To Me?

You may become Terminally or Critically Ill

Heart AttackAbout every 34 seconds,

someone in the United States has a myocardial infarction

StrokeOn average, a stroke occurs

every 40 seconds

CancerA new cancer is diagnosed

every 30 seconds in the United States

My Chances of Survival

Financial Survival…•Half of the people whose families have been affected by cancer say the costs were a burden. •One in eight people with advanced cancer turned down recommended care because of costs•The costs of a severe heart attack are about $1 million (including direct & indirect costs)•60% of Americans declare bankruptcy due to medical bills

Terminal Illness

• Terminal Illness is determined when the insured is certified by a licensed physician as being terminally ill and is expected to die within 12 months of such diagnisis

• This rider allows the insured to accelerate up to 100% (max of $500,000) of the policy’s death benefit in the event of terminal illness

Chronic Illness

Chronically ill is being unable to perform 2 of 6 activities of daily living (bathing, continence, dressing, toileting, eating, and transferring) without assistance from another person or being severely cognitively impaired for 90 consecutive days or more.Can accelerate up to 24% of death benefit annuallyMax lifetime benefit is 90% of $500,000, whichever is less

Critical Illness• Allows the owner to access the

death benefit if the insured is critically ill

• Critical illness includes heart attack, stroke (does not include TIAs), internal cancers and Melanoma, End-stage renal failure, Major organ transplant, Amyotrophic lateral sclerosis, Blindness due to diabetes or paralysis due to loss of two or more limbs

• Can accelerate up to 90% of death benefit (Max of $500,000

Already Have Life Insurance?

• Double check your insurance to make sure you have living benefits

• All insurance sold in the old generation only offered death benefits

Income

Expenses

Debt

Income

Expenses

Additional Living Benefits

Who Can Help Me?

Insurance advisors with the 2-15 license

Contact Our Specialized Life Advisor

Freddy Palacio(954) 446-5806

fpalacio@AstonInsuranceGroup.com