Protection For Your Loved Ones!

Finding the right type of coverage, the length of coverage, and the best premium with the best company to fit your family's needs.

I started my carrier in the life insurance side of the business. While it is often difficult for families to discuss this it is an important need that many families have. There are several different types of life insurance policies and it is important that you speak with a specialist to help you determine what your needs are and help you obtain the right policy for the right price.

The two main types of life insurance are: term insurance and permanent insurance.

A term life insurance policy is for a set period of time. This can range from 5 years up to 30 years. The premiums are generally very affordable for this type of policy. The main reason that a term policy is so affordable is that they rarely have to pay a death claim prior due to the clock running out.

There are several different types of permanent insurance and should be structured by a West Palm Beach life insurance agent that has the background and knowledge in this type of insurance. Some permanent policies have a cash value to them that can be accessed by the owner of the life insurance policy, while other policies run the risk of lapsing if that cash is borrowed against by the policy owner. As long as the scheduled premiums are made by the insured, this type of policy will be paid by the insurance company at some point.

Recently the premiums for life insurance have decreased. I have seen countless term policies that were written within the past five years that can be replaced with better coverage at a cheaper price. If you are interested in reviewing your potential needs for life insurance or if you would like to see if we can get you better coverage at a better rate, call us or send us an email.

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301 Clematis St., Suite 3000
West Palm Beach, FL 33401