Life Insurance Quote Forms
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Life Insurance Information
Many people want to give their loved ones some form of monetary support after they are gone. Often, life insurance enables them to do so. Tanenbaum Harber Insurance Group has assisted Miami and Miramar, Florida, residents with their life insurance needs for more than 150 years. Our agents are ready to help you.
What Is Life Insurance?
Life insurance pays a chosen sum of money at the end of the policy’s term or after your death to your loved ones, also known as beneficiaries. They can use this death benefit as they see fit.
Although there are various types of life insurance, many people choose between two main types of coverage.
- Term life insurance: This coverage can provide money to your beneficiary if you die during the policy’s term. This term may be a period of 10, 20, 30 or more years, depending on your policy’s expiration date. If you don’t die during this time, the policy doesn’t pay, and you need to reapply for a new life insurance policy to continue coverage.
- Whole life insurance: This coverage lasts for the remainder of your life once you’ve enrolled, and the policy won’t expire unless you stop paying your premiums. Whole life coverage can also provide a cash value investment opportunity, which can be a source of income while you’re alive and provide an eventual death benefit.
Other types of life insurance may also be beneficial depending on your financial situation. We can help you choose a suitable life insurance policy for your specific needs.
What Does Life Insurance Cover?
Life insurance typically covers most causes of death. However, there may be specific reasons that could prevent your beneficiaries from receiving their death benefit. Your insurer can discuss what your life insurance policy will or will not cover, depending on your chosen policy.
Do I Need Life Insurance?
Life insurance is a personal decision and is dependent on your circumstances. We can guide you if you’re unsure of how much coverage—or the type of life insurance—you may need.
How Much Does Life Insurance Cost?
Your life insurance policy premium is based on your chosen coverage, age, overall health and other factors. We can help you understand how your premium is calculated so you know what to expect.
Financial Support for Peace of Mind
Providing your loved ones with financial support can give you peace of mind. Contact one of Tanenbaum Harber Insurance Group’s Florida locations to get started on your life insurance. Call our Broward office at 954-883-2900, our Miami-Dade office at 305-620-0200, or our Jacksonville office at 904-807-9121.