Our Team
Our team is comprised of highly skilled professionals with extensive experience across the life insurance industry. From licensed agents to field leaders and client service specialists, we work collaboratively to deliver personalized solutions that help protect families and secure financial futures with integrity and excellence.
John Laviano
CEO / Managing Broker
Robert Calarco
Life Insurance Specialist
Gabriella Minette
Life Insurance Specialist
Marlin Arteaga
Life Insurance Specialist
We’ve worked with some of the best companies.
FAQs
Whole Life Insurance: Built for Lifelong Protection and Smart Financial Planning
At The Laviano Group, we believe in educating our clients with straightforward facts about whole life insurance so you can make confident decisions for your family’s future. Here’s what you need to know about this powerful policy and its intended purposes:
Key Facts About Whole Life Insurance
Dividend Potential (with participating policies): Many whole life policies from mutual insurers pay annual dividends, which can reduce premiums, purchase additional coverage, or be taken as cash.
Guaranteed Lifetime Coverage: As long as premiums are paid, your policy never expires—no matter how long you live or changes in your health.
Level Premiums That Never Increase: You lock in the same affordable rate for life, protecting against future inflation or rising insurance costs.
Cash Value That Grows Tax-Deferred: A portion of every premium builds guaranteed cash value at a fixed interest rate, creating a living asset you can access through loans or withdrawals.*
Tax-Free Death Benefit: Your beneficiaries receive the full payout free from federal income taxes, providing immediate, reliable support.
Intended Uses of Whole Life Insurance
Whole life isn’t just insurance—it’s a multi-purpose financial tool designed for:
College Funding Safety Net – Using cash value as a backup for education expenses if other plans fall short.
Final Expense Protection – Covering burial costs, medical bills, and debts so loved ones aren’t burdened.
Estate Planning & Wealth Transfer – Preserving your legacy with tax-efficient inheritance for heirs or charities.
Supplemental Retirement Income – Borrowing against cash value tax-free to bridge income gaps or fund lifestyle goals.
Business Succession – Funding buy-sell agreements or key person protection for business owners.
Why Regular Policy Reviews Are Critical
Life changes—marriage, children, home purchases, career shifts, or health updates—and your coverage should evolve too. We recommend reviewing your whole life policy every 2–3 years (or after major life events) to:
- Ensure your death benefit still meets your family’s needs.
- Maximize dividend options and cash value growth.
- Adjust for paid-up additions or reduce premiums if financially advantageous.
- Avoid overpaying or underinsuring as your financial picture changes.
Don’t let outdated coverage leave gaps. Schedule your complimentary policy review with The Laviano Group today. We’ll analyze your current plan, explain performance, and optimize it for your goals—no obligation.