Aston Insurance Group is an insurance firm that specializes in the area of life insurance and provides clients the best insurance and financial strategies to meet their specific necessities. We understand everyone has different goals which is why we focus on creating valuable and enduring relationships with the individuals and families we work with to be able to better serve them by understanding their needs. We take pride in the quality of our work and we are committed to providing individualized service that exceeds our clients' expectations! The success and satisfaction of our clients is our primary goal.

1. Aston Insurance Group

2. Touch Points
 Aston Life Insurance - Who
Are We?
 Health Care Reform –
Obama Care
 Life Insurance with Living
Benefits

3. 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.

4. Health Care Reform

5. 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.

6. 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

7. 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

8. 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)

9. 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

10. 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

11. Who Can Help Me?
Insurance advisors with the 2-15 license
and
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

12. Life Insurance
with Living Benefits

13. “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

14. 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?

15. What Can Happen To Me?
You may become Terminally or Critically Ill
Heart Attack
About every 34 seconds,
someone in the United States has a
myocardial infarction
Stroke
On average, a stroke occurs
every 40 seconds
Cancer
A new cancer is diagnosed every
30 seconds in the United States

16. 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

17. 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

18. 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 annually
Max lifetime benefit is 90% of
$500,000, whichever is less

19. 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

20. 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

21. Who Can Help Me?
Insurance advisors with the 2-15 license
Contact Our Specialized Life Advisor
Freddy Palacio
(954) 446-5806
fpalacio@AstonInsuranceGroup.com