Archive for Life Insurance

86% of Americans think life insurance is too expensive, yet they overestimate the cost

In a recent survey by the Life Foundation it was discovered that the majority of the Americans who don’t own life insurance think that it’s too expensive. Most of the ones interviewed have wrongly estimated on average that the cost of life insurance is over twice the real premium amounts. In reality, during the last [...]

“You’re Fired!” – and Your Mortgage is Due Tomorrow

You never want to hear those words. However, it may happen. Do you have a “plan B”? Will you find another job soon enough  that you’ll be able to keep up with your expenses? Your bills will need to be paid. What if you can’t pay your mortgage?   Don’t lose your home just because [...]

Declined, Rejected, Postponed or Rated for Insurance? You still have options

Do you find it hard to get the insurance you need? As independent insurance brokers, we have a large portfolio of “A” rated insurers that allows us to find great coverage even if you have been declined before. Life Insurance, Disability Insurance, Long-Term Care, Medicare Supplements, Final Expense – we have the solutions you need. [...]

Why get insurance premium funding?

Have you considered premium funding for your insurance plans? If not, you should! Does your life insurance provide “premium funding” in case you become sick and can’t work? Why would you need it? Because it is more likely to lose income due to an illness or accident, than it is to die prematurely. Good and [...]

Are life insurance proceeds taxable?

Life Insurance Taxation FAQs How are life insurance death benefits taxed? If you have a life insurance policy, you probably wonder if you or your beneficiaries will have to pay taxes on the life insurance proceeds. The general rule is that death benefits paid to a beneficiary are received income tax free. This tax-free treatment [...]

Don’t fool yourself! – The Truth About Insurance

The truth is, everyone hates insurance. Another reality that is unfortunately true: we all need it! I’ve had some of those days when working on my budget, I was looking for expenses I could cut and thought of all my insurance policies: after all, how do I know if something is going to happen to [...]

Life Happens! We Have Solutions. Financial protection for you, your family and your business

Event-based Solutions Our experienced advisors can help you with customized protection solutions for your life’s biggest events: Saying “I do” Being a parent Single and independent Buying a home Owning a business Life changes all the time. As we encounter new situations, our protection needs change as well. LifeGuy is here to help with the [...]

Radio Jingle – Life Insurance is LOVE Insurance

Invisible illnesses can steal your paycheck

Did you ever have to park far from the main entrance at a shopping center, just to see someone parked in a “handicapped” spot who comes out of the car and is not in a wheelchair? You may be tempted to think that they’re just taking advantage of the system or just using a relative’s [...]

Everybody deserves a second chance. All pre-existing conditions accepted.

Have you been declined for insurance? You must feel discouraged and think you’re out of luck. Actually, there are still options for you even if you’ve been rejected for insurance in the past. All different types of insurance (life, disability, health) have some alternatives called “substandard” insurance available for not-so-healthy individuals. Some of these second [...]

Life Insurance is LOVE Insurance ™

“All we need is love!” We show our love in many different ways: a warm embrace, a loving glance, a gentle kiss, a thoughtful gift. But when it comes to protecting your loved ones financially, nothing says “I love you” better than having life insurance. Life insurance is love insurance ™ Life insurance is not [...]

Best no-medical term insurance with disability rider

If you’re considering term insurance, think about adding some of the living benefits on your life insurance policy: term insurance with disability rider, mortgage protection that pays your mortgage if you lose your job, cancer insurance that will pay a lump sum of money if you get diagnosed with cancer, stroke or heart attack. The [...]

Scary gaps in your insurance coverage are lurking, just waiting for the best (or worst) moment to jump at you

You think you’re covered, but have you checked your benefits lately, to compare with your current needs?  Life changes every day: got a raise, move to a new home, growing families, health changes… Make sure your protection plans keep up with your pace. Health, life and disability insurance need to be adjusted from time to [...]

Why do people get life insurance?

Most people get life insurance for the death benefit, providing peace of mind that their loved ones will be taken care of, if the insured dies prematurely. Not too many people are aware of the “living benefits” of life insurance: cancer benefits, heart attack or stroke benefits paid at first diagnosis (money that can be [...]

Life insurance that pays you to live!

Life insurance for life   Life insurance is usually a subject from which most of us would prefer to stay away. Nobody wants to think of their mortality. Or if they do, they see themselves living a long  fulfilling life.   Good news: for most of us, this is true. Due to the medical and [...]

Gov. Rick Scott proclaims September the Life Insurance Awareness Month in Florida

Governor Rick Scott has proclaimed September Life Insurance Awareness Month. To download a copy of the Proclamation click here. Gov. Scott underscores the importance of life insurance   Gov. Rick Scott has proclaimed September 2011 as Life Insurance Awareness Month (LIAM) in Florida. Noting that nearly 95 million Americans have no life insurance and many [...]

If you could afford to insure one of your body parts, which would that be?

  You’ve heard of celebrities getting huge amounts of insurance for certain body parts to help them avoid a financial burden if one day they can’t perform their job: After Gillette determined that Rihanna has the most goddess-like legs in the world, she insured them for $1 million. Madonna thinks she would lose about $2,000,000 [...]

The Importance of a Will in Financial Planning

It is human nature to put things off, especially when the subject is planning for when you won’t be around. There’s a huge misconception about estate and will. Some people think they need to be wealthy to have a will, but that’s not true. A will simply states who will get what when you pass [...]

Life Insurance Benefits

Full Name: Email: Phone: I’m interested in: Life Insurance, Family and Asset Protection Mortgage Protection Insurance Cancer Insurance (Lump sum benefit at first diagnosis) Critical Illness Insurance (Heart Attack, Stroke, Major Burns, Alzheimer, Cancer) Paycheck Protection (Disability Insurance) Retirement Protection Please provide details: DOB: Ht/Wt: Smoker? Medical history, medications: Benefit amount needed:

Mortgage Protection

Mortgage Insurance or Mortgage Protection is needed when you are concerned about making your house payments in case you lose your job, or if you get too sick or hurt to work and earn an income, or in case of premature death. To get a mortgage insurance protection quote, fill out the form below: Full [...]

In A Perfect World…

In a Perfect World … In a perfect world, there would be no disease. No accidents. No death. In a perfect world, there would be no risks. In a perfect world, you would not need insurance to cover your life, health, family, mortgage, business… In an almost perfect world, if you do need to get [...]

When Should I Get Life Insurance?

The best time to plant a tree was twenty years ago. The next best time is today!   Many people ask me when is the best time to get life insurance. Three good reasons to talk about the future, today: 1) “Tomorrow” doesn’t come with a guarantee 2) The sooner you start planning, the more [...]

Call the Life Guy now – Protect your family. (Radio spot – ESPN, 99X)

This is our latest radio ad. Comments are welcome    

Can You Insure Your Love? – Radio spot

Can you insure your love? Yes you can, with Life insurance. You do things for your family out of love. What if you won’t be here tomorrow? Show them you love them even when you’re not around. Get Life Insurance from $10 per m onth! Get your quote free, at (239) LIFE-GUY or online at [...]

Prayers are welcome, but I’m sending a check!

The hardest thing in life is the loss of a loved one. But almost as hard is having someone we love deal with cancer, or any other serious illness or accident. Or – even worst – be the burden for your family if you are the one hit with such bad luck.  We’ve all been [...]

Real Dads Have Life Insurance

Just the other day I was talking to a friend of mine whose sister has three young children. My friend was distraught because her sister and the children had to move to a different state. She could not find work in the past few years and couldn’t afford to pay her mortgage anymore. Her husband [...]

Leap Into a Safer Future

This year we have an extra day: February 29th only comes once every four years. It is interesting to know that Egyptians came up with the Leap Day to make up for the difference between their calendar and the time it takes the Earth to complete a full rotation around the Sun. These ancient people [...]

It’s Time For Some Payback! – Radio spot

Wouldn’t it be great if there was a type of insurance that was there when you need it, and gave you your money back if not? THERE IS! Term Life Insurance with Return of Premium (ROP) will return 100% of your premiums back at the end of the insurance contract. (Your selected term: 15, 20, [...]

What fruit flies can teach us about life insurance

Fruit Fly Fables: Lesson #1 What could fruit flies teach us about life in general, and life insurance specifically? More than you might imagine. They’re born knowing that life is short (they live an average of just 30 days). So when it comes to major decisions in life, they don’t procrastinate. They act right away. Here’s [...]

Life Insurance is Love Insurance. LifeGuy helps families in the times of need. Life, Retirement, Mortgage Ins. and Disability Insurance.