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Life insurance

Life Insurance protects those who depends on your paycheck. If an unforeseen incident occurs life insurance provides your dependents with on going income to replace yours until (or unless) they can live comfortably without it. In case, one does not have enough saving for medical, legal and funeral cost; life insurance can timely provide with emergency fund. We can help you find the best life insurance.

  • Term Life
  • Permanent Life - Universal Life
  • Variable Life - Variable Universal Life

Term Life Insurance

Term Life Insurance protects your loved ones for specific period of time, especially 1-20 years. It pays benefits if you die during the period covered by the policy; but it does not build cash value. Its premium is lower than other life insurance policies.

Term Life Insurance can be extended and converted into other type of coverage. It pays the face value of the policy but only provides protection, for a definite but limited amount of time. The Cost of premium increases as the owner gets older.

Permanent Life Insurance

This type of policy do not expire. It is intended to protect your family permanently for as long as you pay premium. It provides lifelong protection. It has the ability to accumulate cash value on the tax-deferred basis. It can combine a death benefit with a saving portion. This saving portion can build a cash value against which policy owner can borrow funds or in some instances owner can withdraw the cash value to help meet future goals such as paying for child college education.

Universal Life Insurance

It is also known as flexible or adjusted life insurance. It is a variation of whole life insurance. It provides cash value benefits based on current interest rates. However, in this type of insurance, there is a freedom for policy user to adjust the cash values and the amount of protection by increasing or decreasing it during the contract term. Cash Values earn an interest rate that is set periodically by the insurance company and is generally guaranteed not to drop below a certain level.

Variable Life Insurance

It is designed to combine traditional protection and savings feature of whole life insurance with the growth potential of investment funds. Due to underlying investment feature, the value of cash and death benefit may fluctuate.

Variable Universal Life

It combines the features of variable life with universal life and allow the consumer to adjust the premium, death benefit, and the selection of investment choices. However, all the investment risk lies with the policy owner, as a result, the death benefit may rise or fall depending on the success of underlying investments. Though it gives assurity that a minimum death benefit will be paid too.

We care about your child's future

We can help you guide and provide information about all the types of life insurance offered by various insurance companies. We can help you select a suitable policy for you. Currently, we offer life insurance for the following companies.

  • United Health One
  • Aetna
  • Coventry
  • Humana
  • Health First
  • Cigna

    References

    What our Clients say?

    We are dedicated towards providing the best insurance plans to our clients. We aim at providing health and financial security by providing cost-effective and high quality plans.

    I was so impressed that I gave his name and number to two of my friends. I never felt the least bit pressured and he was very patient with me.

    Jessica ThompsonAugust 22, 2014

    The Agent I talked with made sure I understood everything and made me feel comfortable while on the phone

    Angila JamesJune 05, 2014

    Company informations

    Insurance Agency
    Jame Pough

    1402 Norman St Ste 3
    Palm Bay, FL 32907

    Contact details

    E-mail address:
    jpough@simplehealthadvisors.com

    (+1) 844-563-6272

    Available 8:00am - 4:00pm