Posts Tagged ‘Life Insurance


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.


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,, or Companies with a rating of A+ or higher are fairly high in terms of security and reliability.
Florida Insurance, Life Insurance