Term Insurance 4 Less is an independent insurance agency specializing in Life & Retirement Solutions. We work with the major insurance companies so we can offer our clients appropriate coverage for them. Our clients are located all across Florida and the United States, giving us a great feel for the insurance landscape. We design plans with a focus on low costs, and proper structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
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Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
Final expense needs are usually covered with a whole life insurance policy. The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased. The cost of final expense coverage is very affordable, even if you have some health problems.
Indexed Universal Life (IUL) insurance policies are a relatively new 'hybrid' product that insurance companies offer, combining the best aspects of the fixed whole life and the variable life insurance. The main distinguishing feature of this type of life insurance is that it allows you to invest the cash value in index options that follow the movement of an index, such as the Dow Jones Industrial Average and the S&P 500.
Any form of life insurance provides beneficiaries with an ongoing source of income in the event of the breadwinners passing. Highlighted below are the differences between Whole Life Policies and Term Life Policies. Term life insurance is the most affordable way to protect your family's financial security if something happens to you.
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