Life Insurance Miami Florida

What Life Insurance Policy is right for me?

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance… the list and combinations seem endless. Do you know which Miami Florida life insurance policy type is right for you? At iSure Insurance Brokers we can help. Our dedicated team of life insurance professionals understand Florida’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.

Term Life Insurance Basics :

• Coverage for a “term” or period of your life
• Lower premiums for a higher coverage
• Rates can change after specific terms expire.
• No equity – cannot be used as cash value

Miami Florida Permanent Life Insurance Basics :

• Exactly like it says – permanent, not for a specific period
• Protection carries with you your whole life
• Can build equity and have cash value
• Higher premiums then term life, but can be more valuable in the long run

Miami Florida Term and Permanent Life Insurance Together :

• Build lifelong base of whole life coverage
• Supplement specific times of your life with term insurance

When to choose term life insurance?

Most people choosing term life insurance have a strategy for long term net worth and need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life insurance?

Whole life insurance can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life insurance policies will pay dividends - although not always.

With so many options many people find themselves overwhelmed when they receive a Miami Florida life insurance quote. Let one of iSure Insurance Brokers’s life insurance professionals put together the right Miami Florida life insurance policy for you.

For more information on a Whole Life Insurance / Term Life Insurance policy contact, iSure Insurance Brokers at 305.223.2533 or fill out our form above for your Miami Florida online Insurance Quote Today

A Florida Insurance Agency offering Life Insurance policies in Miami,
Miami Shores, South Miami, and North Miami Florida.