Life and Retirement
We provide many options for your life & retirement needs
  •  Life Insurance
  •  Annuities 
  •  Long Term Care 
  •  Umbrella
Life Insurance
Florida Life Insurance Coverage

 
We go far beyond being standard Florida insurance agents. We aim to be the insurance experts you trust to protect your most significant asset, your life.

From providing you with reliable Florida car insurance, home and business coverage, we now strive to go above and beyond by protecting your life with dependable Florida life insurance. We know that trying to secure the right life insurance plan can get a bit stressful and it certainly takes time. From the necessary research to weighing the pros and cons of term life insurance versus universal life and beyond it’s easy to get overwhelmed.

We want to be your more than just your Florida insurance source, we want to be the trusted coverage specialist you rely on to handle all of your FL life insurance needs.

In addition to helping you navigate your way through one of the most critical policy decisions you will ever have to make in your lifetime; we pledge to secure you a custom Florida life insurance plan you can depend on and one that is tailored to your personal needs.
Give us a call right now for more information and receive a free Florida life insurance quote right now
Annuities
A life annuity is a plan for distributing funds provided to the insurance company by the Florida annuity holder(s). Typically a life annuity provides level, regular, lifelong payments to the holder. The contract terminates with the holder’s death and any undistributed funds revert to the insurance company. 

Since the Florida annuity payout is geared to the life expectancy of the holder, the insurance company bears the risk that the holder’s life will exceed expectancy however they benefit should the holder experience an early death; the law of large numbers guarantees that the former and latter typically cancel each other out over time.

 
Call us today to set an appointment with one of our Exclusive Financial Specialists and we can review your financial goals and retirement options.
Long Term Care
A long term care policy can make sure you have the help you want and care you need when you need it most. Long-term care is defined as convalescent or in-home care for an indefinite period of time including custodial care, supervision, or even long-term medical care for the elderly or disabled. Long-term care insurance provides the means to get the care you need for an extended period of time, whether the care is provided in your home or a nursing home.

The goal of long-term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent. Long-term care is needed when you have a chronic illness or disability that causes you to need assistance with Activities of Daily Living. Your illness or disability could include a problem with memory loss, confusion, or disorientation. (This is called Cognitive Impairment and can result from conditions such as Alzheimer’s disease.)

By 2020, it is expected that 12 million people will need long-term care services in the United States. While the majority of people who need long-term care are age 65 or older, a person can need long-term care services at any age. Forty (40) percent of people currently receiving long-term care are adults 18 to 64 years old.

About 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime and over 40 percent will need care in a nursing home for some period of time. 

Long-term care can become a reality for anyone at any age.

Having long-term care insurance will ease this great financial burden if and when long term care is needed. 

Call us today to set an appointment with one of our Life Specialists.
Umbrella
Do you have enough liability insurance to cover the costs of a settlement? When it comes to your insurance on your auto, home, and watercraft liability, have you considered if you have enough? Could one expensive lawsuit cause you to use up the limits of your current liability coverage? If so, you may be paying off a claim for years to come.

Umbrella Insurance coverage provides added liability protection for property owners, small businesses, renters and vehicle owners. Personal umbrella insurance allows an individual to increase his or her liability insurance coverage beyond the limits stated in a homeowners insurance policy, auto insurance policy, general liability policy, boat insurance policy or business liability policy to protect one’s investments and future earnings.

Our agents have a thorough understanding of how to use personal umbrella insurance protection to avoid the loss of assets or future income. Contact us today to get a quote and make sure you protect your financial future
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