Life Insurance Miami Fl – For example, many people do not like going to medical appointments or going to the doctor. With non-medical life insurance, you can get the same coverage and coverage as a fully written policy with a doctor at a slightly higher cost.
We’ll look at some of the reasons why you should get life insurance with a medical exam, so you know whether or not it’s a good idea. You can click on the links below to read part or all of the post.
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What is life insurance without a medical examination? This type of life insurance is preferred by many who want to write fast, who don’t like needles, and are willing to pay more than average.
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When you are not practicing medicine, insurance disappears from medical records, driving records, prescription records and indeed what is answered on the actual application.
Non-medical life insurance is good for people looking for things like home protection, business insurance for key people, and money transfers that require quick withdrawals.
For many who already have conditions such as high blood pressure, diabetes, high cholesterol, a history of cancer, etc., it may be beneficial to have a written physical exam done.
Before you sign up, we can give your offers to patrons from many companies. Within 2-3 working days, they will tell us what would be best for your specific situation.
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Call us at 786-236-1792 or message us on Facebook for a quick quote. We represent different companies to find the best solution for your needs and budget. Best of all, we do it over the phone or video chat so you can leave the comfort of your home or office, without getting stuck in traffic or picking up your house because a stranger is coming.
You can read more about the pros and cons of buying medical life insurance in Florida.
In peace! I have worked in the personal insurance industry for over 10 years. Together with our mother, we lead the insurance industry to educate individuals, families and small business owners about the power of life and health insurance. I hope these articles give you a different perspective. Helping clients understand their options and achieve their goals is what makes my job so fulfilling. Every customer is unique, so together we can create a unique approach that meets the needs of today and tomorrow.
With so many options and complex information, making financial decisions is not easy. That’s why I’m here to help you find what works for you.
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Together we can create a plan that fits your needs and goals. I believe we are in this together for the long haul, so you can count on me to help you manage and refine our approach as your life changes.
Life insurance can help protect your family by replacing lost earnings and providing a financial safety net should you or your spouse need it. Long-term care insurance can help pay for care and protect your lifestyle in the event of an unexpected health event.
Whether you want to travel the world, spend time with your grandchildren or make sure all your daily expenses are covered, a stable and reliable source of income can give you valuable peace of mind.
With services ranging from life insurance to financial strategies, we’ve helped millions of people turn their love of family into strategies that protect them. We personally serve each client, providing guidance and support through the best moments of life.
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Are you securing the money you need as you approach retirement? You may want to consider a plan that allows you to maintain your lifestyle, helps you save money, helps cover certain expenses during long-term care, or allows you to step in when you retire.
Balancing your personal and financial life means finding what works best for both of you. You can create a plan that will protect you now and grow with you in the future.
With the right approach, you can protect your family’s future and prepare for your financial needs. We can help you protect your major assets and give you access to cash for big expenses like education or unexpected expenses like medical bills or home repairs. Individual Life Insurance in Miami, FL. You can’t put a dollar on your family, but you can make sure their future is secured. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.
Personal life insurance is the biggest investment you can make in the safety of your loved ones. It’s a complicated area, but don’t let that discourage you. We will be happy to explain the possibilities to you.
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First, you will need to know what type of life insurance you want to buy, the most common types are term life insurance, whole life insurance and whole life insurance.
Simply put, with term life insurance, you pay premiums for a set period of time, and the policy only pays out if you die within that period.
Raising a child can be a rewarding experience in life, but it is also demanding. It costs hundreds of thousands of dollars to raise a child until the age of 18, with tuition, fees, room and board being another big expense. If you died tomorrow, would there be enough money to support your child with food, clothing, childcare and education?
Life insurance can protect your children’s future in the event of your untimely death. With a life insurance policy, there can be enough money to pay for anything your child might need as they grow up.
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After your death, unpaid debts and financial debts do not disappear. Your home is probably the most expensive and valuable asset you own. A mortgage is a heavy burden that a spouse or partner has to bear.
A life insurance policy will allow your spouse or children to pay your outstanding bills and relieve them of the stress of making house payments every month.
These days, most families lease or finance their cars. If the primary caregiver dies, the family could be left with unpaid car payments for years to come.
A life insurance policy will allow your spouse or children to pay off your outstanding debts and spare them the stress of monthly car payments.
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A typical funeral can cost tens of thousands of dollars, without any unnecessary services or luxuries. A death in the family is stressful enough; why add huge funeral expenses to this pressure?
Life insurance can easily cover funeral expenses. Your family will be able to think of you and have peace of mind without the burden of funeral expenses.
After you retire, you’ll be living off Social Security and, if you’re lucky enough to have one, a pension fund. But what if the surviving spouse is relying on you to pay the couple’s pension? An employee’s early death can affect sources of retirement benefits such as Social Security.
If you died, would your business be destroyed? Many problems and financial problems can arise due to the death of a business owner. Many people ignore this situation.
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A life insurance policy can keep a business going even in times of crisis, such as the loss of a business owner/partner. The main life insurance is paid by the company and provides funds for training and hiring a new employee. A purchase agreement, funded by life insurance, allows other partners in the business to buy the deceased’s share of the business, which will provide income for his family.
Many people mistakenly think that they don’t need life insurance if they don’t have children or their children are grown. However, your financial responsibility falls on your family in your absence.
Life insurance can replace the income you’ve been bringing in and help support your spouse or older children, ensuring your loved ones can maintain the lifestyle they’re used to.
With whole life insurance, there is no fixed term. You usually pay regular premiums until you die, at which point the policy pays off. Sometimes you have the option to take more money back while you’re alive, but this will reduce the amount paid out when you die.
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Whole life insurance works the same way as whole life insurance, but you have more early withdrawal options. You can borrow money and pay it back later; however, if there is an outstanding balance when you die, the policy payout can be significantly affected.
The premiums you pay largely depend on your age and medical history, as well as how much you want the policy to cover. Therefore, it is important to seek professional advice before taking out life insurance.
Contact us and we will walk you through the options and help you