No Medical Exam. Living Benefits. Cash-Back Options.
Joe Carballo
JC Life Protection
Key Leader
(858) 544-0667
joe@thecarballoagency.com
Carlsbad , CA
Joe Carballo was born and raised in San Diego, CA. Although his family roots are in the Bronx, New York Joe is proud to be a Californian. He earned his bachelors degrees at California State University, San Marcos in 2007 where he double majored in Business Management and Human Psychology. In 2018 he returned to CSUSM for his Masters in Business Management(MBA). Joe currently resides in Carlsbad, CA where is a proud uncle to his two nieces Dominique and Mia. When he is not working he likes to spend time with his family and friends, follow his favorite professional sports teams, travel, and enjoy the great outdoors.
Product Selector
Explore a range of products supported by the top 30 insurance carriers.
Mortgage Protection
Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.
Universal Life Insurance
Provides a depth of coverage that is both flexible and permanent. Tax-deferred benefits, living benefits and protection against the unexpected are all included.
Term Life Insurance
Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.
Final Expense
Provides your family peace of mind knowing that funeral or memorial, cremation and burial service expenses will be covered
.
Disability Insurance
Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan?
Critical Illness Insurance
Protects the funds needed to support you or your loved ones in the event of prolonged illnesses.
Retirement Insurance
Enables you to enjoy the retirement you deserve with a range of financial solutions including annuities and IUL's.
SmartStart Insurance
Creates a foundation of long-term financial security that can create your family's legacy and fund your children's education.
FAQ's
Mortgage Protection Basics
How does mortgage protection insurance work?
Once you qualify, you pay premiums based on your amount of coverage. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.
Why do I need mortgage protection insurance?
Mortgage protection provides funds to cover an outstanding mortgage balance in the event of your death.
What are the advantages of mortgage protection insurance?
The main benefit is to protect your family in the event you die with an outstanding mortgage balance. This coverage is also easy to purchase, no physical exam is typically required, and rates are generally affordable. Certain policies also offer a return of premium feature, so if you don't use the benefit, you get your money back.
Can I afford mortgage protection insurance?
Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.
Do I qualify for mortgage protection insurance?
Most plans are offered with simplified underwriting, so you don't always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.
When should I buy mortgage protection insurance?
If you plan to purchase a home, or you're already paying a mortgage, you should have this insurance to ensure you're protected if the unexpected happens.
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.
What Our Customers Say
Read what our customers are saying about Symmetry Financial Group and our agents.
Extremely Knowledgeable
“The agent was extremely knowledgeable and helpful. They were able to get me coverage at an affordable price.”
Easy & Affordable
“It was easy, affordable and understandable. I love that I know my family will have additional coverage."
Caring & Concerned
“My Agent did a great job explaining my options and finding the best plan for me. They were also very caring and concerned for my family’s well-being. Would definitely recommend Symmetry!”
Working With Symmetry
Experience the Symmetry Difference
● Best-in-class compensation and incentives
● Industry-leading career choice and opportunity
● Exclusive and diverse lead programs
● Full and part-time opportunities with the ability to work remotely
Upcoming Events
Check out our calendar to discover upcoming events near you.
Helpful Resources
Experience the Symmetry Difference
LIFE INSURANCE
How to Plan for Different Life Stages With Life Insurance
DEBT FREE LIFE
6 Tools to Live Debt Free
LIFE INSURANCE
Top Reasons You Need Critical Illness Insurance
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options
to best match your coverage and financial needs.
Would You Like to Request a Quote?
Please fill out the short form so we can provide you with the policy options
to best match your coverage and financial needs.
CONTACT US
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
Joe Carballo
Core Values
Our eight core values are the
driving force behind everything we do.
Largest Life Insurance Guide
Read our comprehensive guide to answer any life insurance questions you have.
Interactive Timeline
View our interactive timeline to
see what insurance is right for you
CONTACT US
DEBT FREE LIFE
Learn more about Symmetry Financial Group’s Debt Free Life program, which
can help you get out of debt in nine
years or less without spending any additional money.
PRODUCTS
• Mortgage Protection
• Final Expense
• Term Life Insurance
• Universal Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Retirement Protection
• SmartStart Insurance
WHY SYMMETRY?
Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map
“Quility” is a brand name used by the Quility family of companies. All insurance offers, solicitations, and recommendations made via this website are being made by Quility’s licensed affiliated insurance producers, Symmetry Financial Group, LLC (d/b/a Symmetry Insurance Services in California) and Joe Carballo. No offers, solicitations or recommendations are being made via this website in License Page for a list of all of Symmetry Financial Group, LLC’s (d/b/a Symmetry Insurance Services in California) and Joe Carballo’s license numbers in each state.
No agent’s success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.
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Copyright © 2024 Symmetry Financial Group. All Rights Reserved. | Privacy | Site Map