Looking for Life Insurance in Florida?
Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially.
What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?
Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?
If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.
If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though:
- charitable donations
- pay federal death and estate taxes
- create an inheritance for your heirs
- pay final expenses
We make buying term life insurance easy
At Deer Insurance Agency, we make the process of buying life insurance extremely simple.
Through Ethos Life, we provide you a simple and complete term life insurance policy. With Ethos Life you can get a quote in 30 seconds and apply for your term policy in under 20 minutes.
What is Term Life Insurance?
In simple terms, Term Life Insurance is a life insurance policy that can be done for 10, 20, or 30 years. You pay a very low monthly premium for the amount of years you selected. God protect you, but if you pass away during that term, the insurance company will pay (TAX-FREE) your beneficiary the amount you purchase.
For example: let’s say that on January 2020 you buy a 30 year term life insurance policy with a death benefit of $500,000. If you pass away on March 2035, the assigned beneficiary will receive a check for $500,000, tax free.
Remember, life insurance is based on two main variables — your age, and your health. Even though underwriting approval is required, with Ethos Life most clients do not need medical exams.
Want to learn more, give us call. We’ll love to help you out.
How much life insurance do I need?
A mistake that we often see people make is basing their life insurance coverage on a guess, or just grabbing a number out of thin air without realizing what the impact of inflation could have on their life insurance proceeds.
One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you.
The amount of coverage you need depends on a number of different variables. Here are a few examples:
- how many children you have
- your future earnings potential
- whether or not you’re married
- spouses future earnings potential
- you and your spouses age
- amount of debt you have
How to get started on your Term Life Insurance quote
Either way we’ll make the process simple!