Term
Term life covers a set number of years for a lower price.Common terms are 10, 20 or 30 years, often chosen to last until a mortgage is paid off or the children are grown. If you outlive the term, the coverage ends.
Permanent
Permanent life, such as whole or universal life, lasts your whole life and can build cash value.It costs more for the same death benefit. It can make sense for long-term needs like final expenses, estate planning or providing for someone who will always depend on you.
Business
Business owners use life insurance to protect the company too.A policy on a key person can carry the business through the loss of someone it depends on. Policies on each partner can fund a buy-sell agreement, so the remaining owners can buy out a partner’s family.
Compared
We compare policies from more than one company.Price depends on your age, health and the amount of coverage. We help you work out how much your family would need and put the options side by side.
What we need for a life quote
Many policies ask a short medical questionnaire, and some require a quick exam. We tell you what to expect for each option before you apply.
- Date of birth
- Height, weight and general health, including medications
- Tobacco or nicotine use
- The amount and term you have in mind, or we help you decide
- Who you want as beneficiaries
Common questions
How much life insurance do I need?
It depends on your debts, your mortgage, how many years of income your family would need, education costs and final expenses. We work through the numbers with you.
Can I get life insurance with a health condition?
Often, yes. The price and the type of policy available vary with the condition, and some policies don’t require a medical exam.
Who should be my beneficiary?
You choose. You can name more than one person and a backup. Review your beneficiaries after a marriage, divorce or new child, and ask about a trust or guardian if a beneficiary is a minor.
Is a life insurance payout taxed?
Generally, a death benefit paid to a beneficiary is not taxable income for federal income tax. Interest paid on top of it can be.
Request a quote
Tell us what to quote and how to reach you. A licensed agent gets back to you with options, in English or Spanish.
Other coverage we quote
Health insurance
Individual and family health plans compared on networks, deductibles and out-of-pocket costs.
See coverageHome insurance
Homeowners, condo and renters policies, with the hurricane and flood questions answered up front.
See coverageBusiness insurance
General liability, property and workers’ compensation, set up with your payroll in mind.
See coveragePrefer to talk it through?
Call and ask for the insurance team. A licensed agent walks you through the options for your home, car, business, health or family.
(786) 612-5021What you can verify
- Florida-licensed agentsCheckable on the state’s Licensee SearchLicensee Search
- Life, incl. variable annuityLicensed line
- Property & casualtyLicensed line: home, auto, business
- HealthLicensed line
- Google rating 5.0148 reviews of the firm
- Accounting & taxThe firm, in Miami