Family Life Insurance South Florida

Life Insurance can help protect your family and is an
excellent way to accumulate money for college,
retirement or unplanned expenses. A person should
have life insurance that approaches six to eight times
their annual gross income. Under current laws, there is
generally no federal income tax on death benefits paid
to a named beneficiary.

Using the strength and experience of our family life
insurance markets we offer several affordable term and
universal life insurance policies to south Florida residents.

Term Life Insurance Coverage

Life insurance coverage for a specified length of time.
A term life insurance policy is usually purchased with a
particular need in mind. Beneficiaries will collect,
usually tax free, the face value of the policy upon the
insured (your) death. Term life is attractive for those
with a limited income, high short term insurance needs,
or for personal family protection.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a
specified number of years. We offer 5, 10, 15, 20, and
30 year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

If the insured survives the time period, the policy expires.
There is no cash value at the expiration of a term life
insurance policy. Some policies have a convertible feature
permitting a policyowner to exchange a term policy for a
cash value policy without evidence of insurability.

Click on the link below to fill out a quote form for an individual term life
insurance coverage that provides first class insurance coverage at an
affordable cost. Or call us toll free at 1-866-454-9555 to discuss the
features. Learn more below!

Universal Life Insurance Coverage

A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.

Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each
month deductions are made from the cash value fund to support the costs
of the insurance protection. As long as the cash value is substantial enough
to maintain the monthly costs, the policy will remain in force. Typically the
death benefit reduces in proportion to the increase in cash value, thus
causing a level death benefit.

Insurance Benefit Agency, Inc.

Florida Family Life Insurance Specialists

Family or Individual Life Insurance - Florida

We provide affordable family life insurance services to the following south
Florida cities and counties: Miami-Dade County, Broward County, Palm Beach
County, Coral Gables, Kendall, Richmond Heights, Pinecrest, Howard, Coral
Way Village, Westchester, Westwood Lakes, Brownsville, Sweetwater, Key
Biscayne, North Bay Village, Miami Beach, Miami Springs, Virginia Gardens,
Hialeah, El Portal, Miami Shores, Indian Creek, Surfside, Bal Harbour, North
Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah
Gardens, Palm Springs North, Carol City, Miami, Norland, Ojus, Miami Lakes,
Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura,
Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives
Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, Weston,
Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise, Tamarac, Fort
Lauderdale, Wilton Manors, Oakland Park, Lauderdale Lakes, Sea Ranch Lakes,
Pompano Beach, Margate, Coral Springs, North Lauderdale, Lighthouse Point,
Hillsboro Beach, Coconut Creek, Deerfield Beach, Boca Raton, The Hamptons,
Highland Beach, Boca West, Delray Beach, Boca Pointe, Boynton Beach,
Lantana, Rainbow Lakes, Atlantis, Lake Worth, South Palm Beach, Palm
Springs, Greenacres, Wellington, Haverhill, Palm Beach, Golden Lakes, Riviera
Beach, Glen Ridge, West Palm Beach, Lake Park, Royal Palm Beach, Jupiter,
Juno Beach, North Palm Beach, Loxahatchee, Belle Glade, Palm Beach Shores,
South Miami, Cutler Ridge, Princeton, Perrine, Naranja, Homestead, Florida City,
Leisure City, Key Largo, Tavernier, Islamorada, Key Colony Beach, Marathon,
Big Pine, Summerland Key, and Key West, FL.

"Your local South Florida family life insurance agent specialist!"

Click on the link below to fill out a quote form for an individual universal
life insurance coverage that provides first class insurance coverage at an
affordable cost. Or call us toll free at 1-866-454-9555 to discuss the
features.