Boca Raton Life Insurance
Life insurance provides your family with financial protection. In the unfortunate event, you should die, a tax-free cash payment will be provided to your beneficiaries.
Life Insurance in Boca Raton and Surrounding Areas
Term Life Insurance provides additional insurance protection or financially in the event a family has a loss of income for a set period, which is typically designed for short-term debts and needs.
Whole Life Insurance provides fixed premiums with tax-deferred growth and an assigned guarantee of return, and death benefits. Income can be withdrawn on a tax-free basis to be used for personal use, emergency funds, or to help pay future premiums. A dividend is declared by an insurance company which can increase cash accumulations or the death benefit.
Universal Life Insurance allows the insured to invest in sub accounts usually tied to an index like the S&P 500 or the Russell 2000. When the indexes go up, there is potential to gain a better rate of return than a specified interest rate would. In the event the index goes down, you will be assigned a minimum return of 0% and will not lose your principal or death benefit.
Disability Insurance provides an income if you can’t work due to a disability or illness. What is your most valuable asset? Everyone has policies that insure their automobiles and homes. In actuality, your most valuable asset is your ability to earn a paycheck. If you rely on a paycheck, you should have disability insurance.
Long-Term Care Insurance and Planning provides medical and non-medical services to those unable to perform activities necessary for daily living; such as dressing and bathing. These services provide long-term supports and care at home, in assisted living facilities, or in nursing homes, regardless of age. Medicare and most health insurance plans do not typically cover long-term care.
While backdating is possible, premiums are typically locked in at your current age, coverage is often guaranteed renewable, and insurers cannot cancel coverage unless there is nonpayment of premiums.
Protecting your most important assets; your family and you by finding the right program that fits your budget is our specialty. We realize you have many choices when deciding on insurance coverage, including online options. However, our expertise combined with the personalized attention we give our clients is unrivaled.