Florida Life Insurance Options

Florida life insurance can sometimes be a little confusing with so many different options available. We want to make sure you have all the information you need to confidently make the best decisions for your family.

We partner with over 30 A+ rated insurance carriers so we can provide you with a completely customized plan, providing the coverage you need. Whether you’re deciding between Florida life insurance options, looking for mortgage protection, or considering final expense coverage, our agency is here to help you decide which insurance plan best fits your needs, and is well within your budget.

Florida Term Life Insurance

Florida term life insurance is considered the most affordable type of life insurance. Coverage is set for a fixed period of time that you choose, anywhere from 10 to 30 years, depending on your age and health.

This type of insurance is a popular choice for individuals seeking to provide financial protection for their beneficiaries during key life stages. Many term life plans can be purchased without the need for a physical/medical exam.

We offer several term life options so that the coverage you select best matches your needs.

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Florida Whole Life Insurance

Florida whole life insurance is a type of permanent life insurance that provides coverage for the entire life of the insured, unlike term life insurance which covers a specific period. As long as premiums are paid, the policy remains in force and guarantees a payout to beneficiaries upon the insured's death.

Whole life insurance is best suited for individuals who have a lifelong need for coverage and are comfortable with higher premiums in exchange for guaranteed benefits and cash value growth. It can also be attractive to individuals seeking stable, predictable, long-term returns from a tax-advantaged vehicle with an extremely low risk profile.

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Florida Indexed Universal Life Insurance (IUL)

Florida indexed universal life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a cash value component, that has the potential to grow based on the performance of a market index, like the S&P 500.

A portion of your premium goes towards covering the life insurance component and administrative costs, while another part is allocated to the cash value account.

It is important to remember that IUL policies are complex and may not be suitable for everyone. It's crucial to carefully consider your financial goals, risk tolerance, and discuss with a qualified advisor whether an IUL aligns with your individual needs before making a decision.

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Florida Mortgage Protection Life Insurance

A home mortgage is typically any American family’s biggest investment and their largest monthly expense. Florida mortgage protection insurance is more than just a safeguard, it's an investment into your family’s future.

With the proper coverage, you can rest easy knowing your family will never lose their home, even if an unthinkable tragedy should occur. Whether it be through a total payoff, partial payoff, or receiving a year or two of mortgage payments, this type of life insurance provides the time your immediate family needs to be able to make important decisions that matter.

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Florida Final Expense Life Insurance

Florida final expense life insurance, also known as burial insurance or funeral insurance, is a type of whole life insurance designed to help cover end-of-life expenses. These expenses typically include funeral and burial or cremation costs, medical bills, and outstanding debts.

This type of life insurance enables families to properly grieve their loved ones without the burden of large debts or unplanned costs. Premiums are usually very affordable and as long as they are paid, coverage lasts for the policyholder's entire life. There is usually no medical exam required to qualify.

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Florida Disability Critical Illness Life Insurance

When you think of your assets, you probably think of tangible things like your home, car and retirement account. If you're like a majority of Americans, it would be difficult, if not impossible, to continue meeting your monthly obligations if you were to become injured or ill and could no longer work.

Florida disability critical illness life insurance is designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.”

Along with life insurance, disability critical illness insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.

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