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Life Changes. So Should Your Policy

Life insurance policies are dependent on each client’s unique personal and financial needs: life can often take you by surprise and warrant or cause significant change, so we make it easy for your policy to adapt to your new circumstances and needs. Here are a few examples of life-changing events that may require a policy “tune-up:”

  • Marriage or divorce
  • A new child or grandchild
  • A newly established or expanded business
  • A change and/or deterioration in your or your spouse’s health
  • Providing care or financial assistance to an ailing parent
  • A child or grandchild requiring assistance or long-term care
  • Purchasing a new home
  • Planning and saving for a child or grandchild’s education
  • Planning and saving for retirement income
  • Refinancing your home mortgage
  • Receiving an inheritance (you or your spouse)
  • Owning a sizable estate


Things you need to know
Selecting the right life insurance policy for your needs requires thorough analysis and care: your Florida Regional Insurance agent will explain in detail the different types of life insurance products, so you can make an educated decision for your future. The most common forms of life insurance coverage include:

  • Term Life Insurance - provides protection for a designated period of time. This can be a good place to start if you’ve never purchased life insurance before as policies tend to be less expensive than permanent (whole) life insurance. Most term life policies are available in varying time periods with fixed premiums ranging from a one year (annual renewable term) to 20-year (level term) period. Furthermore, term life can be converted to permanent coverage if significant life events cause your insurance needs to change.
  • Whole Life Insurance - is synonymous to permanent life insurance, meaning your policy is in effect for the full duration of your life, provided you pay your premiums as specified in your policy. Not only does permanent life insurance cover you and your family, it can also double as an investment opportunity, as many whole life insurance policies build cash value over time.
  • Universal Life Insurance - a variation on permanent life insurance characterized by flexible premiums, face amounts, and unbundled pricing structures. Universal life insurance can build cash value, earning an interest rate that may adjust periodically, but guarantees to remain above a designated percentage.


If you’re unsure of what type of life insurance best fits your lifestyle and needs, call your Florida regional Insurance agent today. We won’t rest until we’ve found the best protection for you and your loved ones.

Advantages of Life Insurance
Life insurance provides assurance that you and your family will be taken care of now and in the future: planning ahead for when you’re not around anymore is essential, but different life insurance policies also offers benefits and investment opportunities that you can take advantage of while you’re alive and thriving.

Life Insurance Death Benefit
When you pass away, your life insurance policy provides tax-free income to one or more designated beneficiaries: assets may cover funeral expenses, debt, tuition, estate taxes, and other forms of financial need. This goes for your business as well: partners are protected and/or given the option to buy out the interests of a deceased partner and avoid liquidation.

Living Benefits

Permanent or whole life insurance policy’s cash value growths are tax-deferred, meaning the policyholder does not pay taxes on the growth of cash value, unless he/she withdraws money to cover major life expenses like a down payment on a house or car or college tuition.

The ins and outs of any life insurance policy depend on each client’s unique needs; that’s why our Florida Regional Insurance experts first take the time to get to know their clients, analyze their situation, and then determine the best possible policy to protect their family, assets, and future. 

​Life Insurance

A sound life insurance policy is essential to planning for your and your loved ones’ futures as it will fulfill the commitments you made to those closest to you when you’re gone. You don’t want to leave your family’s future to chance: our agents at Florida Regional Insurance will assist you in finding a life insurance policies that not only meets your every requirement but also takes care of the most important people in your life long-term.