Lorena Morales

Lorena Morales

Family First Life

There is a lot of information on the internet about Life Insurance and it can be very overwhelming when choosing what product is right for you. My job as your Insurance Agent is to provide you with the information you need to make an informative decision when purchasing; Mortgage Protection, Life Insurance, Final Expense or Annuities. There is a product for you, no matter what phase of life you are in!

Contact Info
Lorena Morales Family First Life
Mobile: (808) 319-7530
Resident license: 512889
Licensed states:
Hawaii Maine North Carolina Ohio Texas
Recommendations
3

  • Lorena was very knowledgeable about the products and very helpful in guiding me to what was best for me at this point of my life. I'm 65 years old. It's never to late to prepare. Highly recommended. Brenda

    Brenda Ambrosio

  • I met Lorena Morales though a pleasant and concise phone call. I was impressed that she drove from one end of theisland to other to get to my home. She was patient and kind. Unusual for insurance people. Her knowledge of her business was very refreshing, even if I did not purchase a insurance plan from her, I would in a minute if I had enough money at the time to cover all 16 of my grandchildren. However, when and if that time arises I will definately contact her. Sincerely, Cha Thompson

    Cha Thompson

  • I told Lorena my needs and she made sure to find the best coverage and stayed within my budget. She is highly recommended!

    Al D
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Articles
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Newsletter
IUL
Is Whole Life Insurance Worth It?
• 11 min read
Life insurance helps you ensure your loved ones are financially protected if you pass away. You have a few options when picking the right kind of policy — and depending on your circumstances, whole life insurance may be a good choice.Whole life...
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Newsletter
HOME
Does Home Insurance Cover Spoiled Food After A Power Outage?
• 11 min read
Power outages can be merely inconvenient or utterly devastating. A prolonged outage can leave you with a refrigerator and freezer full of spoiled food. If you’re hoping your home insurance will help cover the cost of perishable items like meat, veggi...
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Newsletter
LIFE
How Specially Designed Life Insurance Can Provide Flexibility for High-Income Earners
• 11 min read
It's a common scenario for successful, high-earning professionals: Decades of disciplined saving and investing have led to substantial nest eggs in retirement plans. But now, you find yourself in a financial bind. Despite your wealth, your money is l...
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Newsletter
LIFE
Term Life Insurance Is Often Best, Financial Advisors Say But Many People Buy Another Kind
• 11 min read
There are two broad categories of life insurance, and data suggests many households aren’t buying the most cost-effective one.Americans bought 4.1 million term insurance policies in 2021, accounting for 40% of all individual policies purchased t...
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Newsletter
LIFE
Life Insurance: Protection For Loved Ones You Leave Behind
• 11 min read
The two biggest items that people don't want to deal with when it comes to money management are insurance and making a will.Some of the real comments on buying life insurance, made to me during professional finance practice years, are illuminating.“W...
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Newsletter
LTC
Cancer Insurance Vs A Long-Term Care Policy?
• 11 min read
Dear Toni,I applied for a long-term care policy but was denied due to having a pacemaker installed in January. The agent who presented the policy plan suggested I apply for cancer insurance to help with out-of-pocket costs in case I have cancer issue...
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Newsletter
LTC
Understanding Long-Term Care Insurance
• 11 min read
Veterans may access long-term care through the U.S. Department of Veterans Affairs.But the largest single funding source is Medicaid, the joint federal and state program that covers low-income Americans. Although income limits vary by...
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Newsletter
LTC
Top Reasons To Invest In Long Term Care Insurance
• 11 min read
Top 10 Reasons For Long Term Care InsurancePlanning for long term care is an easy thing to put off. Maybe you think you’re too young, can’t afford it or simply won’t need it. But if you want to help preserve your choices about future care and have re...
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Newsletter
ANNUITY
Types of Clients Who Should Consider Annuities
• 11 min read
What You Need to KnowAnnuities have an obvious role in retirement planning.They can also help with diversification.In some cases, they can be part of estate planning.Too many advisors still avoid having the talk with their clients about the “‘A’ word...
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Newsletter
ANNUITY
The Safety Of Annuity Products
• 11 min read
When it comes to planning for a secure financial future, annuity products can play a significant role.Let’s explore the safety aspects of annuities in a simple and friendly manner. Understanding the safety features of annuities can help you make info...
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My passion has always been to help people. As an Insurance Agent I get to help people ensure their families are financially taken care of when they are no longer here to provide for them. It's what we do......put "your family" first!
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