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1459 N US Hwy 1 Ste. A1, Ormond Beach, FL. 32174 NEW! 4440 N Ocean Shore Blvd, Ste. 106, Palm Coast, FL. 32137
Life and Health
The main purpose of a life insurance policy is to provide survivor benefits for designated beneficiaries. A life insurance policy allows you to provide financial security for your family upon your death. It can help your family meet the financial needs previously covered by your income. The three most common types of life insurance are whole life, term life, and universal life. However, there are many different options with each type. For most people, the need for life insurance is greatest after starting a family or buying a home. The proceeds from a life insurance policy can help pay off debts such as your mortgage or other financial obligations you may leave behind. The need decreases as the children grow up and become independent and mortgages are paid.
It is an important coverage that helps protect you and your family from the devastating financial effects of unexpected health problems or catastrophic illness.
Health coverage can be issued to individuals, to employees of an employer offering health coverage, or to individuals that are members of association groups. Some health coverage is provided by self insured funds, not regulated by the State of Florida. Although there are other forms of health insurance, the three main categories of health insurance are:
Policies that offer comprehensive or “major medical” coverage;
Policies that provide managed care services;
Policies that provide limited benefits. .