Florida Life Insurance and more

Your Personal Bailout Plan: Securing your future with real solutions

Have you considered what might become of them if you were suddenly gone?. None of us enjoy discussing death, but it is a reality. It can happen before you have adequately prepared for your family. Should they have to worry about their financial future?

How Much Do I Need?

Term Life

Term Life Insurance is a low-cost way of providing maximum coverage for your family. Protection is provided for a limited number of years. The insurance expires without value if the insured lives beyond the policy period. 10, 15, 20, 25, 30 year options available. 25 and 30 year options depend on age at time of application.

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term Life Insurance pays a death benefit only if you die during that term. Term insurance generally is the cheapest option for the maximum amount of coverage.

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Equity Indexed Universal LIfe

Insurance in which most of the premium (generally 80 to 90%) is invested in traditional fixed income securities. The remainder of the premium is invested in call option contracts tied to a stipulated stock index. In those instances where there is an increase in the market, exercising of the option contracts takes place and a given percentage of the gain is then credited to the policy. Conversely, should the market decline, the option contracts are said to expire worthlessly and the policy is credited with the minimum guaranteed rate. This type of policy may be suitable for that person who has an interest in purchasing a Variable Life Insurance policy but is not at ease in participating in the equities market. This type of person could have the best of both worlds: the potential high returns of the equities market without the risk to the initial investment (principal).

Individual Life Quote Request

Universal LIfe

Universal Life is characterized by great flexibility. Policyholders can determine the amount and frequency of premium payments - i.e., the more you pay, the less time you will need to pay. Your premiums cover the insurance part also the savings or investment element and the expense part.

Individual Life Quote Request

Whole Life

Whole Life Insurance provides permanent protection for the whole of life - from the date of policy issue to the date of the insured's death, provided that premiums are paid. Premiums are set at the time of policy issue and remain level for the policy's life. Unlike term insurance, whole life combines insurance protection and savings or cash value which builds over time. Cash value build-up may provide a source for living benefits, for example, helping pay off a mortgage, or a child's education, or cash surrender value if the policy is ever cancelled.

Individual Life Quote Request

How Much Do I Need?

Find out how much a $250,000 policy would be with us: Click on your age (nearest age)

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Have the need for more than a $250,000 benefit, then:

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Up to $1,000,000


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