Life Insurance in Boynton Beach, FL
Main Street America Insurance, Inc. in Boynton Beach, FL, provides customized life insurance plans. We work with you at every step of the process to give you the best options and help you qualify. We know the value of life insurance and the impact it has on families. We help you develop a plan to provide stability and security for your family after you're gone. Before you apply for life insurance, you should analyze your financial situation and determine how much money would be required to maintain your beneficiaries’ standard of living or meet the need for which you’re purchasing a policy.
Find the Life Insurance That Meets Your Needs and Fits Your Budget
Term Life Insurance
Term Life Insurance pays a death benefit if the insured person dies within the term of the policy. Plans may be “simplified issue” or “fully underwritten.” A simplified issue means that you don’t have to get a physical or have lab work done to apply for coverage. Your answers to a few health questions determine your eligibility. Fully underwritten plans require the completion of a physical and lab work before coverage may be issued. By going through the underwriting process, including a medical exam, you can qualify for additional premium discounts for providing evidence of good health.
Whole Life Insurance
A whole life insurance policy can help you address a variety of financial needs during various stages of your life. Whole Life Insurance offers guaranteed level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. Whole Life policies also provide for the accumulation of cash value on a tax-deferred basis which can be used when you need it.
Universal Life Insurance
Universal Life Insurance is a permanent policy that allows you the flexibility to customize the coverage and premiums that meet your needs. You can take policy loans or make partial surrenders from the account value to help with your personal needs. Loans accrue interest. Unpaid loans plus interest and withdrawals will reduce the death benefit and cash value. The policy continues as long as the cash value is sufficient to cover the monthly deductions.
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YOUR ANNUITY SOLUTION
An Annuity is a cash contract with an insurance company. Unlike life insurance products where policy issue and pricing are based largely on mortality risk (How soon one will die), annuities are primarily investment products concerned with how long one will live.
Annuities can play a vital role in any situation where a stream of income is needed for only a few years or for a lifetime. The annuity grows since the insurer credits the annuity with a certain rate of interest which is not currently taxed. Individuals can purchase an annuity with a single lump sum payment or through a series of periodic payments.
Annuity payouts can begin immediately after the date of purchase or at some specified future date. To find out more about annuities and see if they make sense for you contact us at Toll Free (866) 316-3450 or email to insurancemagic@aol.com. Thanks.
Your health matters. Contact Main Street America Insurance, Inc. at 561-737-2958 to find the best health insurance coverage for you and get a free estimate!