Michael Binyaminov

Michael Binyaminov

Sentinel Financial

Michael has been in the insurance industry since 2018. In that time, he has shown people the value of putting protection in place for families and their loved ones. He specializes in Mortgage Protection, Final Expense, traditional life insurance, IULs and Annuities. Michael's expertise in the insurance world has led to many paying off their mortgages several years early, generational wealth creation, and legacy protection for many families. Please reach out to him directly.

Contact Info
Michael Binyaminov Sentinel Financial
sentinel-financial.us/
Resident license: 18851176
Licensed states:
Arizona California Kansas Missouri New Mexico North Carolina South Carolina Texas Washington
Recommendations
2

  • Michael helped set me up with a great term life policy for a super great monthly price. I had no idea what to look for as far as coverage and he sat down and explained all my options and laid every quote out for me to choose between the options that I wanted. 100% recommended.

    Elizabeth Gallegos

  • Michael was/is extremely professional in his approach to presenting the product. We had no desire to purchase insurance until Michael gently reminded us of our need, especially at our time of life. Thank you Michael. R & V.

    KENNETH ROSS O
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Articles
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ANNUITY
How To Balance Helping Your Parents Retire And Saving For Your Own Future
• 11 min read
If your parents are nearing retirement, you might find yourself beginning to wonder what their plan is for living off of their savings — or if they even have any savings to live off of.According to a 2020 AARP report, al...
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IUL
Indexed Universal Life (IUL) Insurance: What It Is and Whether It's for You
• 11 min read
What is an IUL? An IUL is a type of permanent life insurance, meaning it can accumulate cash value and provide a death benefit. Like other types of whole life policies -- including universal life insurance and variable universal life insura...
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LIFE
What To Do When When A Life Insurance Company Wants To Buy A Policy Back
• 11 min read
I recently received another communication from a life insurance company looking to purchase back from the policy owner a life insurance policy issued years earlier. Offers like this happen periodically, but this is the first time I’ve seen it fr...
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LIFE
Mortgage Protection Insurance: When Do You Need It?
• 11 min read
For many people, being a homeowner is the greatest achievement in life. But if you become disabled or suddenly pass away, your family could fall behind on mortgage payments, eventually leading to foreclosure.However, some safeguards ca...
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Social Media
LIFE
Term vs. Whole Life Insurance
• 11 min read
Life insurance benefits your loved ones when the inevitable happens. While it can be tough to think about your own demise, choosing the right term or whole life insurance policy can protect your household and allow you to leave a legacy to those you...
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Newsletter
IUL
What Is Universal Life Insurance?
• 11 min read
Choosing the best life insurance policy for your needs depends on factors such as whether you want to invest a portion of your premium and who relies on your income. A type of permanent life insurance policy, universal life insurance offers more flex...
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Newsletter
LIFE
Life Insurance for Smokers — and Quitters
• 11 min read
If you’re a smoker, you probably already know the habit comes with health risks that can be costly. Cigarette smokers are 15 to 30 times more likely than nonsmokers to get lung cancer or die from it, according to the Centers for Disease Control...
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Newsletter
LIFE
What To Know About Life Insurance
• 11 min read
Millions of adults go to great lengths to protect their assets. Those measures run the gamut from simple everyday efforts like utilizing two-factor authentication when accessing financial accounts via online or mobile banking apps to more complicated...
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Newsletter
LIFE
Can You Have Two Life Insurance Policies?
• 11 min read
Dear Dave: A relative of mine recently mentioned she had two life insurance policies. Is it okay for a person to have more than one life insurance policy? If so, why would someone do that? — Victoria Dear Victoria: There aren&rs...
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Newsletter
ANNUITY
The Benefits Of A Fixed Indexed Annuity
• 11 min read
In times of prolonged market crashes, some investors grow weary of falling balances and the subsequent stress of seeing one’s hard-earned savings disappear down the rat hole of Wall Street. Some may pull out of the market all together and only...
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