Javier A. Rodríguez Torres, Esq.
Head of Life Practice /
Feel the peace of mind of knowing that everything you value is well protected. The licensed team at Popular Risk Services prepares a detailed analysis with specific recommendations to address identified risks, regarding your personal or business affairs. To protect your capital, you benefit from diverse insurance solutions through life, disability, annuities, title, personal and commercial property and business interruption policies, among others.
A risk management program is an essential element for reaching your financial goals. Your personalized plan could incorporate the following services:
If you have your own business, the Popular Risk Services’ specialized group can help in the development of a plan, providing you the security that your business will continue to operate and generate income in the case of retirement, incapacity or death of a partner, investor or key employee.
A succession plan aims to establish strategies to achieve the continuity or transfer of a business in a variety of situations, whether voluntary or involuntary. A well-designed succession plan helps protect the capital of the business and your family; protect the business against interruptions in the event of retirement, incapacity, divorce, bankruptcy or death of the owners and achieve an orderly transition. Some alternatives available are:
If your business is composed of various partners or investors, it is essential to plan what to do in the event any of them becomes disabled or dies. Our experts at Popular Risk Services can provide orientation on the different insurance products that allow:
Life insurance plays an important role in the future of your family and the protection of your home. Simply consider the costs that your family may face if you are gone: mortgage, personal and auto loan costs; credit card debt; educational costs for your children; and medical expenses. A life insurance policy is important; it provides your family the funds needed to cover the expenses that arise and maintain their standard of living.
Banco Popular de Puerto Rico, its subsidiaries and affiliates do not offer tax, legal or accounting advice. If you would like to receive legal, tax or accounting advice, you should consult a professional specialized in these areas. Investment products and services are offered by Popular Securities LLC, registered broker dealer and member of FINRA and SIPC. Investment products are not insured by the FDIC, are not deposits or obligations, are not guaranteed by Banco Popular de Puerto Rico and may lose value. Insurance products and services are offered by Popular Risk Services an Insurance broker duly licensed by the Office of the Commissioner of Insurance of Puerto Rico. Popular and Banco Popular de Puerto Rico are not registered brokers. Insurance products are not FDIC insured, or other government agencies, are not deposits or obligations and are not guaranteed by the Bank or its subsidiaries or affiliates. Some insurance products may lose value. Popular Securities and Popular Risk Services are subsidiaries of Popular and affiliates of Banco Popular. Popular One is an integrated services platform through which Popular Securities and Popular Risk Services are offered.
Wealth Management services are generally available to clients who maintain deposits and/or investments of $500,000 or more at Popular. Available to customers who request the service as of January 1, 2019.
Popular Risk Services is an Insurance Producer duly authorized by the Insurance Commissioner’s Office to negotiate life, disability, miscellaneous, title, health services and variable insurance in Puerto Rico. Insurance products are not insured by the FDIC or by any other government agencies, are not deposits or obligations and or guaranteed by Banco Popular de Puerto Rico, or its subsidiaries or affiliates and may lose value. Popular Risk Services is a subsidiary of Popular Inc. and affiliate of Banco Popular.