Richard Smith
Call now
Call now
Website
Call
One-stop shopping for all your life, health and financial protection needs from a licensed Florida insurance broker! Florida life insurance is a contract between an insurance policyholder and an insurer, where the insurer promises. There are plenty of companies that provide affordable Florida health insurance plans that you can use to get coverage for yourself and your family.

Florida Medicare is the federal health insurance program for people 65 and older, certain younger people with. Whether you're looking for health insurance for a Florida small businesses or you're looking to set up a Buy/Sell Agreement for a closely. A Florida supplemental insurance plan covers anything above and beyond minimum essential medical. The money available in the health insurance industry has led to an increase in the number of scam health insurance providers.

New retirees, elderly individuals, and small-business owners are often targets because they can't negotiate better rates with legitimate insurers.
Services
Florida life insurance is a contract between an insurance policyholder and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policyholder).
Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.
The policyholder typically pays a premium, either regularly or as one lump sum.
Other expenses, such as funeral expenses, can also be included in the benefits.
Florida term life insurance guarantees payment of a stated death benefit for a specific period of time or term.
Once the term expires, the policyholder can either renew it, convert to a permanent policy, or allow the policy to end.
Term life policies have no value other than the guaranteed death benefit.
Term life insurance is also known as pure life insurance.
A term policy's purpose is to insure against the loss of life.
This cash from the death benefit may be used by beneficiaries however they choose.
Florida whole life insurance provides coverage for the life of the insured, as long as the premiums have been paid.
Whole life is the most common type of permanent life insurance policy.
It offers both a death benefit and a savings component called "cash value."
Traditional Whole Life Insurance - policy gives you a guaranteed minimum rate of return on your cash value portion.
Interest Sensitive Whole Life Insurance - policy gives a variable rate on your cash value portion.
A lot like an adjustable-rate mortgage.
Florida universal life insurance is permanent life insurance that lasts your entire life-into your 90s and beyond.
It offers an investment savings element and flexibility when it comes to paying premiums.
There's also flexibility in choices for how the policy's cash value is invested.
A standard universal life insurance policy's cash value grows according to the performance of the insurer's portfolio.
Stock market indexes like the S&P 500, the Dow Jones Industrial Average, and NASDAQ measure how well the market is doing.
Buying Florida long-term care insurance is one way.
Long-term care refers to a host of services that aren't covered by regular health insurance.
These include assistance with routine daily activities, like bathing, dressing, or getting in and out of bed.
Most long-term care is not medical care, but assistance with the basic personal tasks of everyday life.
It is often defined by assistance with the "activities of daily living" (ADL), which can be anything from dressing and eating, to moving around and going to the bathroom.
Reviews
Review Richard Smith

Be the first to review Richard Smith.

Write a Review