Life Insurance Policy Information

Term and Universal Life Insurance Policies - Florida

Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A
person should have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is generally no
federal income tax on death benefits paid to a named beneficiary.

Using the strength and experience of our life insurance markets, we
offer affordable term life and universal life insurance policies.

Term Life Insurance Policy Information - Florida

Life insurance coverage for a specified length of time. A term life
insurance policy is usually purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face value of the policy
upon the insured (your) death. Term life is attractive for those with a
limited income, high short term insurance needs, or for personal family
protection.

If the insured survives the time period, the policy expires. There is no
cash value at the expiration of a term life insurance policy. Some
policies have a convertible feature permitting a policyowner to
exchange a term policy for a cash value policy without evidence of
insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a secure quote request form for
a Term Life Insurance policy that will provide excellent life
insurance coverage at an affordable cost. Or speak with our
Florida Life Insurance agent specialist at 772-287-1560 to
discuss the features.

Click here to fill out a

Term Life Insurance

quote request form

Universal Life Insurance Policy Information - Florida

A flexible premium policy that combines protection against premature death with a
savings account that typically earns a money market rate of interest. A universal life
insurance policy is a combination of term life insurance protection with the cash
savings value of whole life insurance. Interest rates paid on the cash value are
typically higher than with whole life insurance because they tend to follow the
markets.

Premiums for universal life insurance policies can be paid in a lump sum, annually, or
anywhere in between. Interest on the cash value is usually guaranteed, but will vary
according to the investment performance. Each month deductions are made from the
cash value fund to support the costs of the insurance protection. As long as the cash
value is substantial enough to maintain the monthly costs, the policy will remain in
force. Typically the death benefit reduces in proportion to the increase in cash value,
thus causing a level death benefit.

Click on the link below to fill out a secure quote request form for a Universal Life
Insurance policy that will provide excellent life insurance coverage at an affordable cost.
Or you can speak with our Florida Life Insurance agent specialist at 772-287-1560 to
discuss the features.

Click here to fill out a

Universal Life Insurance

quote request form

We are your local Martin County, Florida insurance agency, offering affordable term and universal
life insurance policy premiums to individuals and families located in the following south Florida
cities and counties: Stuart, Port St. Lucie, Palm City, North River Shores, Port Salerno, Jensen
Beach, Hobe Sound, Jupiter Island, Port Sewall, Walton, Ankona, Fort Pierce, Juno Beach, Palm
Beach Gardens, St. Lucie, Vero Beach, Gifford, Indian River Shores, Indrion, Oslo, Eldred, White
City, Lakewood Park, Riomar, Wabasso, Sebastian, Indiantown, Tequesta, North Palm Beach,
Riviera Beach, Haverhill, West Palm Beach, Boynton Beach, Lantana, Hypoluxo, Palm Beach,
Lake Worth, South Palm Beach, Loxahatchee, Greenacres, Jupiter Island, Boca Raton, St. Lucie
County, Indian River County, and Palm Beach County, FL. We also offer life insurance policy
services throughout the state of Florida, including the greater Fort Lauderdale, Miami, FL area.

Click on one below to learn more!

Term Life Insurance Policy

Universal Life Insurance Policy

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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.