Life Insurance
Life Insurance Quote Forms
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Life Insurance Information
Your death, whether sudden, unexpected or from old age, will leave a hole behind. The void will be not only personal, but also financial. Naturally, everyone wants to make it easier on those they love to cope with their loss. Life insurance is one of the best ways you can create stability for survivors after you die.
Even though life insurance might not come into play until after your death, it still provides a great service to your survivors. Don’t hesitate, therefore, to get covered. In the end, your personal insurance options will prove instrumental in protecting your overall wellness and solvency well into the future. Contact us today at 727-755-0072 to learn more about your options.
Common Life Insurance Questions:
What’s Life Insurance?
Life insurance provides a financial payout upon the death of the insured party. If the policy is in your name, it will pay upon your death.
When a payout occurs, a beneficiary whom you name in the policy will receive a financial settlement, which can help them cover essential costs. Therefore, you can use life insurance to shore up your survivors’ financial solvency following your passing.
The benefit might help survivors pay for:
The good news is, you can leave the money to almost anyone (including charities) and the money won’t go through probate. Therefore, your survivors will get a settlement before anyone else.
What Policy Options Exist?
Everyone has different life insurance needs. Often, you’ll be able to choose between two types of plans.
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Term plans last a set number of years. Coverage will issue payment if you die during the term.
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Whole-life policies remain active indefinitely, as long as you pay your premiums. Many offer cash-accumulation and interest benefits.
When you choose a plan, you can name the sum you want to leave behind. Work with one of our agents to set up an appropriate framework for the use of the money. You might need to establish trusts or other beneficiary stipulations to govern payouts.
Why Get Covered Now?
Don’t wait to get life insurance. It’s critical protection at any stage of life. However, the earlier you get a policy, the more beneficial you likely will find it.
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The longer you keep coverage, the more chance you have to let your policy accumulate value.
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Younger individuals often qualify for lower policy premiums.
What Does Life Insurance Do?
Suppose you carry a life insurance policy on yourself. In that case, you will designate a sum of money—a death benefit—that the insurance policy will provide to a designated beneficiary upon your death. A beneficiary is usually a family member, but you can choose any person, charity or business.
Life insurance provides a financial payout upon the death of the insured party. If the policy is in your name, it will pay upon your death. When a payout occurs, a beneficiary you name in the policy will receive a financial settlement, which can help them cover essential costs. The money won’t go through probate, so your beneficiaries will get paid before anyone else.
What Does Life Insurance Cover?
Following your passing, a life insurance payout might help your beneficiaries cover the following:
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Funeral costs
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Everyday needs and bills
Also, our agents can set up an appropriate framework for beneficiaries using the money, including trusts or other stipulations to govern payouts.
How Much Does Life Insurance Do I Need?
The amount of life insurance you need is entirely up to you. Share your life insurance reason and goal with an agent at Florida Best Quote Insurance, and we can help you select the proper amount of coverage. For example, some people want life insurance to cover significant financial responsibilities like college education, debts or salary. Essentially, you get to choose your death benefit.
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