Life Insurance

Secure your family’s future with life insurance

What Is Life Insurance?

The Emerald Coast is a beautiful place to live. The sun shines almost daily, the beaches are pristine, the people are friendly. It’s no wonder that so many people choose to retire here. But even in paradise, life can take unexpected turns. That’s why it’s essential to have life insurance.

Life insurance protects your loved ones financially if you die unexpectedly. It can give them peace of mind to know they will be cared for, even if you’re not there to care for them. Term Brokers Insurance Services has been helping people in Florida find the right life insurance for their needs for years. Our experienced and licensed agents will work with you to see the right life insurance policy for your situation.

To learn more about life insurance review our primer here.

Types Of Life Insurance

Here is a brief overview of some of the most common types of life insurance:

Term Life Insurance

This policy provides coverage for a specific period, usually 10-30 years. If the policyholder dies during the policy’s term, the beneficiaries will receive a death benefit. If the policyholder does not die during the policy’s term, the policy will expire with no value.

Whole Life Insurance

This type of policy provides coverage for the policyholder’s entire life. The death benefit is paid to the beneficiaries when the policyholder dies. Whole life insurance also has a cash value component, which grows over time and can be accessed by the policyholder during their lifetime.

Universal Life Insurance

This type of policy is similar to whole life insurance but more flexible in how the premiums and the death benefit are used. Universal life insurance also has a cash value component that the policyholder can access during their lifetime.

Variable Life Insurance

This type of policy is similar to whole life insurance. Still, the policy’s death benefit and cash value vary based on the performance of the policyholder’s investment options.

Variable Universal Life Insurance

This type of policy is similar to universal life insurance but with the added feature of investment options that can affect the policy’s death benefit and cash value.

Don't Leave Your Loved Ones Unprotected

Term Brokers Insurance Services offers life insurance policies to residents in Emerald Coast, and the surrounding areas. We understand that no one likes to think about their death, but it is essential to have a life insurance policy in place in case something happens to you. A life insurance policy can give your loved ones the financial security they need during your death. You can leave your family peace of mind knowing they will be taken care of financially if something happens to you. With Term Brokers Insurance Services, you can choose the right life insurance policy for you and your family.

Frequently Asked Questions

Q: What is the main purpose of life insurance?

A: The primary purpose of life insurance is to protect the financial security of your loved ones in the event of your death.

Q: Who needs life insurance?

A: Everyone has different life insurance needs, but typically, if you have dependents who rely on your income to cover living expenses, you need life insurance.

Q: How much life insurance do I need?

A: There is no one-size-fits-all answer to this question – the amount of life insurance you need depends on your unique circumstances. However, a general rule of thumb is purchasing a policy worth 10-12 times your annual income.

Q: What are the benefits of life insurance?

A: Life insurance provides peace of mind and financial security for your loved ones during your death. It can also help you reach your financial goals, such as funding your child’s education or providing for retirement.

Q: How do I purchase life insurance?

A: You can purchase life insurance through an insurance agent, broker, or insurance company.

Q: What are some things to consider when purchasing life insurance?

A: Some things to consider when purchasing life insurance include your age, health, coverage needs, and budget.

Why Choose Us

Reach Us Now

Are you looking for life insurance policy in Florida? If so, you’ve come to the right place. At Term Brokers Insurance Services, we understand the importance of protecting your family and we’re here to help you find the perfect policy for your needs. Contact us today at 850-864-2000 to learn more!