Questions? Let's make it simple.
Frequently Asked Questions
-
It depends on your age, health, and how much coverage you want. Most people are surprised: about 3 in 4 Americans guess higher than the real price.
-
Workplace coverage is a great start, but it often ends if you change jobs, and it may not be enough for your family. We can look at what you have together.
-
Term life covers you for a set number of years and is usually the most affordable. Whole life covers you for your entire life and builds cash value.
-
Not always. Many policies only require a few health questions. I'll let you know what to expect for each option.
-
Yes. I help individuals and families under 65 find health plans that fit their needs and budget.
-
¡Claro que sí! Hablo Español .
-
Whatever is easiest for you: phone, video call, or in person in the Tampa Bay area.
Insurance words, made simple
Premium
The price you pay, usually monthly, to keep your coverage active.
Beneficiary
The person you choose to receive the money from your life insurance.
Death benefit
The money your beneficiary receives if you pass away.
Cash value
A savings piece inside some life insurance policies that can grow over time.
Living benefits
Money you may be able to use from your life insurance while you're alive, if you become seriously ill.
Deductible
The amount you pay for care before your health plan starts paying.
Copay
A set amount you pay for a visit or prescription, like $30 for a doctor visit.
Out-of-pocket maximum
The most you'll pay for covered care in a year. After that, your plan pays 100% of covered costs.
Tax-deferred
You don't pay taxes on your growth until you take the money out.
Still have questions?
Let's talk. Request your free consultation in under a minute, with no obligation.