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Florida Life Insurance

Welcome to InsureMe's Florida life insurance quotes and information page. If you are looking for affordable, competitive Florida life insurance quotes, you have come to the right place! Just fill out our "Get a free quote" box, and our referral service will get you up to five free, competitive quotes from Florida life insurance agents who are ready and willing to service your Florida life insurance needs.

Florida Life Insurance Information

Florida life insurance prevents financial loss to dependents in the event of an individual's premature death. A Florida life insurance policy pays a specified amount (or death benefit) to the named beneficiary when the insured dies.

Floridians purchase life insurance for many reasons. Some of these reasons include: providing an income in place of lost earning potential, funding retirement plans, paying off a loan in the event of premature death, or paying for college educations. Regardless of the reason for purchase, all Floridians need Florida life insurance of one type or another.

Two types of life insurance can be purchased in Florida. Term life is the simplest form, and provides financial protection for a temporary period of time. This type of policy may or may not be renewable.

Florida term life policies are normally written for individuals who need large amounts of coverage for specific time periods. Initial premiums for Florida term life insurance are usually much less than for Florida permanent life insurance, but they may increase each year (or remain level) for a specified period.

Term life insurance provides good coverage for young Floridian families raising children or paying off mortgages. These policies are, however, short term solutions and do not build equity-but monthly costs are low, so individuals with limited resources are able to purchase life insurance protection in Florida. Most term life policies do not accrue cash value.

Permanent life insurance provides Floridians with long-term financial protection. This includes both a death benefit and, in some cases, cash savings. Permanent insurance equity builds over time-but premiums are higher than those of term insurance. Rates usually remain the same after the policy is purchased. Those who are attempting to meet long-range financial goals do well with this type of insurance.

Floridians can buy either "individual" or "group" plans. Individual Florida life insurance policies are acquired directly through insurance agents or brokers (or through the insurance company itself), whereas group plans are offered through employers. Which form you buy depends partially on whether you prefer to choose your own Florida life insurance company, or you would rather let your employer choose the company for you.

There are some common-sense guidelines you should follow when shopping for Florida life insurance, regardless which type of insurance you buy. Following are some tips for purchasing life insurance in Florida:

  • Buy the right amount of life insurance. Work with a knowledgeable life insurance agent to discover the amount of coverage you need.
  • Get the best price by comparison shopping.
  • Answer all questions accurately. Falsified or omitted information can cause your claim to be denied.
  • Take good care of yourself, including maintaining a healthy weight, exercising, and not smoking.
  • Compare policies carefully. Examine coverage and price, and do not buy what you cannot afford.
  • Buy a policy while you are in good health. Preexisting conditions are often not covered.
  • Never sign something you do not understand. Get clarification from the insurance agent, and make notes you can refer to later.
  • Verify the licensing credentials of all Florida life insurance agents and companies with whom you are considering doing business. You may contact the Florida Department of Financial Services at 800-342-2762, or access their Web site at www.fldfs.com.

Get free life insurance quotes now!

Saving time and money on your Florida life insurance is important-as is providing financially for your family. At InsureMe, we can find you the most competitive Florida life insurance rates possible. Just fill out your information and we will send it to agents who will compete for your business-you will get up to five Florida life insurance quotes absolutely free. That means savings for you!

Why not get started today and invest your time in the ones you love most—your family?


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