Life Insurance Agent

life insurance

Having the right life insurance agent is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone.

Don’t leave the future of you and your loved ones to chance. ARCW Insurance can help you find the right Florida life insurance coverage for you, and help ensure that your policy continually meets your needs.

Life Changes. So Should Your Policy

For each of our neighbors in Florida, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

  • You recently married or divorced
  • You have a new child or grandchild
  • You have opened or expanded a business
  • Your health or your spouse’s health has deteriorated
  • You are providing care or financial assistance to a parent
  • Your child or grandchild requires assistance or long-term care
  • You recently purchased a new home
  • You are planning for a child or grandchild’s education
  • You are concerned about retirement income
  • You have refinanced your home mortgage in the past six months
  • You or your spouse recently received an inheritance
  • You have a sizable estate

What You Need to Know

ARCW Insurance can help you select the best insurance coverage for your needs. There are several different types of life insurance products available – the most common include:

  • Term Life InsuranceTerm life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 20-year (level term) period.Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
  • Whole Life InsuranceWhole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.
  • Universal Life InsuranceUniversal life is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. Universal life can build cash value, which earns an interest rate that may adjust periodically, but is usually guaranteed not to fall below a certain percentage.

What type of life insurance is best for you? Talk with the team at ARCW Insurance. We can assist in identifying the best protection for you.

Advantages of Life Insurance

Having the right life insurance agent is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

Life Insurance Death Benefit – When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

Living Benefits – The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

The right life insurance coverage for each and every one of our customers in Florida is unique. Talk with the ARCW Insurance team today to find out how to protect your family and your future with the right life insurance.

Read more about Life Insurance….

  • bonnie regal guitar
    Live Well – Work Well with ARCW | June 2018
      Pet Disaster Plans We love our pets – they’re an integral part of our family. The Humane Society has put together some great tips to help keep our pets safe during Hurricane season (and...
  • Live Well – Work Well with ARCW | March 2018
    Live Well – Work Well with ARCW | March 2018
    Water Fun! We Love Our Jet Skis!  Have you ever wondered how jet skis came to be? And did you know that they are really called “personal watercrafts”? It’s true. Jet Ski is a trademark...
  • The Importance of Key Person Insurance
    The Importance of Key Person Insurance
    Think about it… every successful business you know has a key person (or persons) in place that can be credited as being a major component of the company’s success. The company can be of any...
  • Live Well – Work Well with ARCW | January 2018
    Live Well – Work Well with ARCW | January 2018
    On the theme of a new year and new beginnings, the theme of this month’s newsletter is life insurance. This month, we’ll explore some of advantages of life insurance that go way beyond the...
  • Live Well – Work Well with ARCW | Nov 17
    Live Well – Work Well with ARCW | Nov 17
    Hurricanes  Preparedness Florida (and Texas and the Gulf Coast) had its share of weather events this summer. We were prepared for some and not so much for others. Hurricanes Harvey and Irma were a wake-up...

Get a Life Quote