What age should you get life insurance?

The majority of people begin to consider purchasing a life insurance policy when they turn 30. The causes are obvious: many individuals choose to begin a family at this time or already have a young child or children.

What's better whole life or term?

If you can afford the premium payments, whole life insurance offers lifelong protection while term insurance only protects you for a set number of years. If you’re budget-conscious, whole life policies may not be for you. Whole life premiums can be five to fifteen times higher than those of term policies with the same death benefits.

What is a good amount for whole life insurance?

The majority of financial experts advise setting up 10–15 times your current income. Numerous variables affect life insurance rates, but your health has the most impact on the final price.

Life Insurance Agents in Florida

Life insurance is a important part of any financial plan. It will provide for the needs you might not be able to meet if something ever happens in your life, like taking care of your loved ones in an unforeseen event. The importance of this aspect cannot be overstated—without proper coverage as many people are left high and dry when tragedy strikes.

So, whether you’re looking for life insurance for yourself or your family, local insurance agents in Florida can help you find the best policy for your needs.

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Popular Insurance Coverage in Florida

Term Life

Covers you for a predetermined period of time
Most Affordable
Can be converted to whole life with some policy features

Whole Life

Covers you for your entire life
Helps you earn dividends
Builds cash value that's guaranteed to grow over time, even in down markets

Universal Life

Many of the same benefits as whole life
Many of the same benefits as whole life
Flexibility to change your coverage amounts

Average Life Insurance Cost in Florida

Life insurance rates in Florida are some of the most expensive in the nation, with an average annual premium of $1,288.

However, life insurance rates vary widely based on factors such as:

Your age
Health
Amount of coverage you need

Frequently Asked Questions

What age should you get life insurance?
The majority of people begin to consider purchasing a life insurance policy when they turn 30. The causes are obvious: many individuals choose to begin a family at this time or already have a young child or children.
What's better whole life or term?
If you can afford the premium payments, whole life insurance offers lifelong protection while term insurance only protects you for a set number of years. If you’re budget-conscious, whole life policies may not be for you. Whole life premiums can be five to fifteen times higher than those of term policies with the same death benefits.
What is a good amount for whole life insurance?
The majority of financial experts advise setting up 10–15 times your current income. Numerous variables affect life insurance rates, but your health has the most impact on the final price.

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