Life Insurance / Whole Life Insurance / Term Insurance

Happy laughing father and baby daughterWe are specialists in all types of Life Insurance in all of Florida and even internationally. Consider these safety net vehicles as a vital piece of your long-term insurance strategy and estate planning. We will find the options that are the best fits for you from which to choose:

Life Insurance Options:

Permanent Life

Remains active until the policy matures at age 120, it means that the insured person keeps the policy for entire life.  It accumulates a cash value, and the owner can access it by withdrawing money, borrowing against it, or surrendering the policy and receiving the surrender value. Permanent Life policies are offered in two types:

Happy couple.

Whole Life

Provides a lifetime death benefit coverage with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.

Universal Life

Universal life insurance was created to provide more flexibility than whole life insurance by allowing the policy owner to shift money between the insurance and savings components of the policy. Premiums, which are variable, are broken down by the insurance company into insurance and savings, allowing the policy owner to make adjustments based on their individual circumstances.

Term Life

Provides life insurance coverage for a specified term, like 10 Years, 20 Years or even 30 Years.  No cash value accumulation. Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage end.