Life Insurance

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Best Life Insurance Agent

Best Life Insurance Agent

We serve the Florida, Fl markets. We have over 40 Years Experience as a top life insurance agent, specializing in All types of Life Insurance and Estate Planning.  We are experts in term Life Insurance, Whole Life Insurance, Universal Life Insurance, Disability Life Insurance, and more.  We are experts in Estate Planning, Financial Planning and more.

The Best part of our Service is our Service.  We provide a personal touch, with the primary focus on the client.  We are open 7 days a week.  We provide one on one services, and appointments where convenient for the client.  We do all the paperwork, so you don’t have to do any.  We follow up with you on a regular basis, to make sure you are happy.

We have been in the life insurance and financial services businesses for 40 Plus Years. This is what we know, what we do.  We do nothing else.  We are financial experts. We have worked at the top firms in both NYC and Florida.

Out focus is trying to find you the best options for you based on your budget and your goals.  We listen, you talk first.

We serve all areas of Florida.  Miami, Ft Lauderdale, Palm Beach, Daytona, Tampa, Sarasota, Port Charlotte, Punta Gorda, Orlando, Ft Myers, Naples to name a few.

Call us for free pricing information and appointments.

941-916-3580

Florida Insurance, Life Insurance, life insurance agent
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Universal Life Insurance

Universal Life Insurance

Looking for Universal Life Insurance? Questions about what is Universal Life Insurance? Want a free Universal Life Insurance Quote?  Then Call us today.  We are one of the best in the Life Insurance industry, and are experts in Universal Life Insurance, and all different types of Life Insurance.

We provide excellent service, and explain everything in everyday terms.  No need to fill out confusing forms, or try to figure out what is the best life insurance for you.  We do all the work for you.

We have over 40 Years experience in Universal Life Insurance, Life Insurance options, and provide one on one service.  We come to you, where it is convenient for you.

We serve all of Florida, Fl. We serve Miami, Ft Lauderdale, Palm Beach, Naples, Ft Myers, Punta Gorda, Sarasota, Tampa to name a few places.

No place is too far, and we operate 7 days a week.  Call us for a personalized free quote, and we plan out your needs and desires.

If it is Universal Life Insurance, or something else, let us know, we are Life Insurance leaders in Florida.

Call us at

941-916-3580

Florida Insurance, Life Insurance, Universal Life Insurance
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Whole Life Insurance

Whole Life Insurance

Whole Life Insurance is a cash value based life insurance policy. You get a guaranteed life insurance benefit, and your whole life insurance policy grows cash value which over the years you can borrow back at an affordable rate.

Whole Life insurance can stay with you for life. You don’t need to worry about Whole Life Insurance terms ending at the end of a period.  Whole life insurance is very popular, and we are Whole Life Insurance experts in the state of Florida, Fl.

We have 40 Years Plus Experience with Whole Life Insurance and all Life Insurance Products.  We specialize in quality service in the state of Florida.  If you want to buy Whole life insurance in Florida, want a free price quote in Fl, and want service 7 days a week, call us today.

We take our time in explaining to you the difference in Whole Life Insurance policies, whole life options, and seeing if whole life insurance is right for you.

We serve all areas of Florida, everywhere from Naples, Ft Myers, Punta Gorda, Port Charlotte, Sarasota, Tampa, Daytona, Palm Beach, Ft Lauderdale, Miami, to name a few places.

We give you free price quotes, personal service, one on one service, with the goal of making you understand what you want to know, and finding the right insurance products for you.

Call us to set an appointment or get a free quote.

941-916-3580

Florida Insurance, Life Insurance, Whole Life Insurance
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Palm Beach, Fl – Life Insurance and Estate Planning Professional

Live in Palm Beach, Florida, FL?  We serve the Palm Beach, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Palm Beach, Fl and serve all areas of Palm Beach, and the areas around Palm Beach, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

Life Insurance, Palm Beach
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Miami, Fl – Life Insurance and Estate Planning

Live in Miami, Florida, FL?  We serve the Miami, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Miami, Fl and serve all areas of Miami, and the areas around Miami, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

Life Insurance, Miami
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Tampa, Fl – Life Insurance Agent, Estate Planning Pro

Live in Tampa, Florida, FL?  We serve the Tampa, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Tampa, Fl and serve all areas of Tampa, and the areas around Tampa, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

Life Insurance, Tampa
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Sarasota, Fl – Best Life Insurance Agent and Estate Planning

Live in Sarasota, Florida, FL?  We serve the Sarasota, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Sarasota, Fl and serve all areas of Sarasota, and the areas around Sarasota, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

estate planning, Life Insurance, Sarasota
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Punta Gorda, Fl – Life Insurance Agent in Punta Gorda, Fl, Florida

Live in Punta Gorda, Florida, FL?  We serve the Punta Gorda, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Punta Gorda, Fl and serve all areas of Punta Gorda, and the areas around Punta Gorda, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

Life Insurance, Punta Gorda
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Naples, Fl – Best Life Insurance Agent serving Naples, Fl

Live in Naples, Florida, FL?  We serve the Naples, Fl market with our Top Life Insurance Representative. We have 40 Years Experience in the Life Insurance business.  Looking to buy life insurance?  Looking for a Life Insurance Quote.  Looking for personal service?

We have 40 Plus Years experience representing the top insurance companies in the country.  We are experts in all aspects of Life Insurance, every time of Life Insurance and are experts in financial and estate planning.

Our expertise is giving clients one on one service and explaining everything in simple English to you. We know that life insurance and Estate Planning can be complicated, and go out of our way to help you understand the different life insurance products, the different estate planning options to you, and help you make an informed decision.

Looking for Whole Life Insurance, Term Life Insurance, Universal Life Insurance, Financial Planning, Estate Planning?  Call us, we go over your options for you and help you pick the best solution based on your goals and budget.

We are open 7 days a week, and follow up with you during your whole time with us.  We care about our clients.

We offer free pricing quotes on our life insurance products and offer free consultations on all estate planning issues.  We are minutes from Naples, Fl and serve all areas of Naples, and the areas around Naples, Florida.

Call us for free Life Insurance quotes for you, your family, and your needs.  Call us for the best in Estate Planning to maximize your family’s wealth, and inheritance.

941-916-3580

Life Insurance, Naples

How to Buy Life Insurance Wisely

There is no denying the fact that everyone needs life insurance. However, when you take into consideration all the various factors, it is often very difficult to reach a well-informed conclusion about which policy would be the best for you, which insurance company to choose, how much coverage to opt for and what premiums to pay. Thus, to buy life insurance wisely, here is a checklist of questions you need to answer before committing to anything:

  1. What type of policy do you need? – Here the main choice lies between a term life policy and whole life insurance. You will need to understand the pros and cons associated with both types of policies before making a choice. For example, term covers you for a set period or term and death benefits are paid out only if you die within the specified term. Premiums are usually inexpensive and therefore this is a popular choice for many. Whole life on the other hand offers coverage for your entire life. The premiums are higher as they also include a cash value component that is linked to investments and the market. Whole life insurance is considered by many to be a vehicle for savings as well as insurance.
  2. How much coverage do you need? – You will need to enlist all your assets and income versus your debts and expenses. The death benefits left to your beneficiaries should be adequate enough to allow them to deal with any financial obligations and maintain the same standard of living as when you were alive.
  3. Is it necessary to undergo a medical exam? – When you are purchasing an individual insurance policy, you need to think about whether you are in good enough health to avoid the hassles of a medical exam and opt for a No Exam Policy. In comparison, a regular policy, which demands a medical exam might be necessary for those who are older or with any chronic health conditions.
  4. Is there any way you can lower your life insurance premium? – There are several ways you can reduce your life insurance policy premiums. These could include quitting smoking to avail of lower non-smoker rates or losing weight and moving to a preferred premium category. Find out from your insurance company what proactive steps can be taken to make a difference to your final amount.
  5. Have you comparison shopped? – Thanks to the Internet, you can receive multiple quotes from a number of insurance companies before you make a final decision. With the click of a mouse, you can have in front of you a list of different companies, premiums, coverage amounts and types of policies you are eligible for. In case you are purchasing your insurance policy from an agent, it is all the more imperative to shop around to ensure that you are not getting a biased view.
  6. Will it take long to qualify for your policy? – Very few people actually consider how long it will take before they actually qualify for a policy. The work is not all done once you decide on which policy you want. There is an underwriting process involved, which may result in you not being eligible for a particular rate or policy or just increase the time till your policy is in effect. Ask your insurance company beforehand how long this process will take. You need to know if there is a medical exam involved, when you should schedule it, when your application would be accepted and when do you need to start making payments so that you can plan in advance and not be caught unawares.
  7. Is your insurance company safe? – Your insurance policy will cover you for a specific amount of years and you should be as sure as possible that the company issuing the policy lasts till then. There have been too many horror stories of companies closing down due to financial problems and leaving their customers high and dry. In order to lower the possibilities of this happening, check out the reliability of your insurance company. You can do this by checking the company’s ratings at thestreet.com, ambest.com, or moodys.com. Companies with a rating of A+ or higher are fairly high in terms of security and reliability.
Florida Insurance, Life Insurance