Florida Life Insurance

When it comes to life insurance, only Smith Insurance has the knowledge and expertise to find the perfect Florida life insurance policy that is right for you.

At Smith Insurance, we want to be more than just your insurance provider, we want to be your trusted coverage ally and friend. We will help you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime. We have the knowledge and experience to secure you the best Florida term life insurance , whole life insurance, universal life insurance, and more!

At Smith Insurance we want to help you determine which Florida life insurance policy type is right for you. Our dedicated team of life insurance experts understands ’s market and regulations and can find the right plan that fits your individual needs.

Term Life Insurance Basics:

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

Whole 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 than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

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

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it may make more sense to have a term life policy that covers the mortgage and living requirements 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?

Whole life 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. Often times whole life policies will pay dividends - although not always.

With a variety of alternatives and policy possibilities, it’s understandable that you may feel a bit overwhelmed by Florida life insurance. You can always rely on Smith Insurance to help with this very important decision.

Give us a call and let one of our expert life insurance specialists get you started on the right path. Contact Smith Insurance for more information and get a free Florida life insurance quote today!