Life Insurance Archives | iWill Advisors

Helpful Tips for Getting Life Insurance and Annuities

November 4, 2022
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Being ready to buy life insurance or annuities requires doing homework in advance. You’ll save time and money by being prepared to answer insurance agents’ questions and knowing what type of coverage you need. Here are some tips to help you get ready.

Know How Much Life Insurance You Need

Most people need more life insurance annuity than they think. A good rule of thumb is getting coverage equal to 10-12 times your annual income. If you have young children, you may need more. Use an online life insurance needs calculator to calculate how much coverage you need. If you’re unsure how much coverage you need, ask an insurance agent for help.

Decide What Type of Life Insurance You Need

There are two basic life insurance policies: term life insurance and whole life insurance. Term life insurance provides coverage for a specific period, usually 10-30 years. Whole life insurance covers you for your entire life.

Most people consider term life insurance because it is less expensive than whole life insurance. If you are young and healthy, you can get a large amount of coverage for a relatively low premium.

If you have a family history of health problems, you may need to purchase a whole life insurance policy. This type of policy is more expensive but will cover your entire life.

Consider Your Family’s Needs

Make sure you have enough coverage to pay off your mortgage, support your spouse and children, and pay for your children’s education. You may also consider purchasing life insurance and annuities to pay for your funeral and final expenses.

Be Honest with the Insurance Agent

The cost of life insurance annuity depends in part on your health. Be honest with the agent about any health concerns you have. The agent will be able to give you a better idea of what type of policy you need and how much it will cost.

It would be best if you also were honest about your lifestyle. You will pay more for life insurance if you smoke, play contact sports, or have a risky job.

Be Prepared to Answer Questions About Your Health

The company will ask about your health when you apply for annuity life insurance. The agent will also likely ask you to take a medical exam.

The questions about your health will cover your weight, height, blood pressure, cholesterol levels, and whether you have any pre-existing medical conditions. The medical exam will usually include a blood test and a urine test. The examiner will also take your blood pressure and weight. You may be asked to provide additional information, such as your medical records or stress test results.

If you have any concerns about the questions you will be asked or the exam, be sure to ask the agent in advance.

Getting annuity life insurance doesn’t have to be complicated. By doing some homework in advance, you can be prepared to answer questions from insurance agents and know what type of coverage you need. iWill Advisors is a great place to start if you need help getting life insurance or an annuity. We can help you understand your options and find the right policy for you. Contact iWill Advisors today to get started.

What Is the Best Age to Get Life Insurance?

February 20, 2022
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The best time to get insured is when you are young. This is because there is a lot to lose and because, if you wait until your older years, it will cost you more. This insurance can protect your family from the financial burdens of your death. Knowing how much insurance you need is an important step in protecting your family.

Why Is Younger Better?

Getting insurance at a young age is important for many reasons. First off, it is cheaper, as insurance companies charge lower rates to people under 25. Secondly, your younger years are more likely to be full of life experiences that can lead to you getting sick. Suppose you have a family history of certain diseases, such as cancer or diabetes. In that case, it may be beneficial to get insurance when you are young so that, if something happens, your family will not have to deal with the financial burden of medical bills. The biggest advantage of getting insurance when you are young is that you have more years to build up your cash value.

Benefits of Getting Life Insured at an Early Age

This insurance is a way to protect your family from financial burdens if you should die. The amount of coverage you need depends on how much money your family can afford, but it is possible to get insurance covering most families. If you have a large family, getting more than one policy may be necessary. This way, if one of the policies fails and the beneficiary doesn’t get enough money to cover their expenses, they will still have the other policy to fall back on.

The period for which you have the insurance coverage is also important. A term policy can be up to 10 years long. However, it will cost more than a permanent policy because it has a higher premium. Permanent policies are also known as fixed-term policies because they do not change in price over time as term policies do.

This insurance is generally less expensive than other types of insurance. This is because you have to pay a premium for the coverage, but you do not have to pay for the insurance company’s other services.

There is no set age at which it is the best time to get insurance. The best age to purchase insurance, though, is usually between 20 and 65. This period is known as the golden years. It is a time when people are more likely to need insurance coverage. This is because they have more money, are more likely to have families, and are likely to be married. They also tend to be healthier than those older, so they will live longer. If you have questions about insurance, iWill Advisors can help.

Where Can I Find a United American Insurance Carrier in South Florida?

May 30, 2018
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It can be challenging to find an insurance agency you can trust, and make a purchase. At iWill Advisors, we work with some of the top companies in the health insurance world, especially in Medicare. As a United American Insurance Carrier in South Florida, our company can help you quote their prices, while also comparing to others in the Medicare field.

Why Choose a United American Insurance Carrier in South Florida?

United American insurance is one of the most widely used insurance companies. Their dedication to impeccable customer service has made them a top choice for many, especially for those looking for quality prices alongside quality coverage. American United Insurance built their brand from the idea that each person is unique, and therefore in need of different policies and coverage.

At iWill Advisors, we offer the best of the best insurance carriers across the country. We know that choosing insurance can be confusing, which is why we assist our clients in narrowing down their options. We know each client has a different budget, life plan, and preference, which is why United American Insurance is so popular for so many. Regardless of your life’s needs, the professionals at iWill Advisors can help you find a package that meets all of your desires.

Not only does iWill Advisors help to guide, but we’ll also educate our clients on their policies from the inside out. Insurance is never easy to understand, which is why we offer to break down Medicare into its multiple parts and explain each section in complete detail so that you know what you’re actually purchasing.

Throughout one’s lifetime, the need for insurance changes. As a United American Insurance carrier in South Florida, it’s easy to see why so many choose this company as they offer a wide variety of coverage to suit many different needs. If you’re interested in purchasing or revising a life insurance policy, call iWill Advisors today at (954) 753 – 8080 and see how we can make this process easier.

How a Medicare Insurance Agency in South Florida Can Give Peace of Mind

May 7, 2018
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Choosing health insurance is by far, one of the most significant decisions a person makes in their adult life. Ensuring that you’ve selected a plan that will last you, fit within your budget, and cover all of your health care needs can be complicated. In fact, searching for health insurance can be downright stressful! Luckily, there is a Medicare insurance agency in South Florida that is giving many individuals peace of mind.

Find the appropriate Medicare insurance that fits your needs with a Medicare Insurance Agency in South Florida!

Money is a concern for all people and all walks of life. Financial constraints pertain to health insurance costs as well. Though Medicare is known for being more accessible, it doesn’t mean that one can buy health insurance without worrying about their bank account’s current state. In fact, many Americans decide most of their purchases based on how much they cost. Sifting through insurance packages and plans can be stressful, let alone when trying to pair them with an affordable price. At iWill Advisors, we help our senior clients quote Medicare options, ensuring that they feel comfortable and secure with their payments, deductibles, and more.

Additionally, choosing a plan that encompasses all of one’s needs can also be stressful. How can one truly understand all of the ins, outs, coverage, and non-coverage parts of insurance? Many Americans are not familiar with insurance the way the professionals at iWill Advisors are. We’ve helped many Florida residents understand their policies inside and out so that there is no confusion over what is covered and what is not.

At iWill Advisors, we work with companies such as United Health, Preferred Care Partners, United American, and more. Representing all of the major health insurance carriers led us to become one of the top trusted advisors in the state! We know the world of insurance, and we also know how important it is that policyholders feel good about their purchases. Instead of stressing over the details, allow our Medicare insurance agency in South Florida to guide you in the right direction. Call us today.

Why Should I Compare Life Insurance Quotes in South Florida?

May 4, 2018
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Many people consider buying life insurance as it provides a sense of security, purpose, and peace, but it often comes at a cost. Life insurance policies can range in prices, leaving many to compare life insurance quotes in South Florida. While some individuals simply choose quickly, others prefer to take their time and evaluate the options. The downside is that this may take some time as there are many different places to purchase life insurance. Is it worth it to compare quotes even if the process takes longer?

Benefits of Comparing Life Insurance Quotes in South Florida

The biggest benefit of comparing life insurance quotes is pricing. Comparing life insurance quotes can give you the flexibility and overall understanding of what options are out there, which are the most affordable, and which offer the essential key elements you want.

While this may seem like quite the task, the professionals at iWill Advisors specialize in helping thousands of people find their dream life insurance plan. With a team of experts, it’s much easier to narrow down the options, as we know what to look for. Not only will we shave hours off of your search, but we will also provide insight advice and direction, as this is a field we are quite familiar with.

If you or your loved ones are looking for life insurance, be sure to let iWill Advisors help compare life insurance quotes in South Florida. We know how complicated it can be to understand the ins and outs of life insurance. We represent all of the major national insurance companies, making us an excellent team for finding your perfect life insurance package. Allow our team of intelligent and experienced advisors to help you find the best insurance for you and your family. Call (954) 753 – 8080 today to speak with one of our life insurance specialists!

Will My Needs for Life Insurance in South Florida Change Over Time?

May 1, 2018
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Saving and investing throughout your lifetime will ensure that you can pay for many things along the way such as your childrens’ tuitions, housing, and retirement. Additionally, you will need to pay for insurance that helps to protect your assets. Many people may not realize that their needs for life insurance can change drastically throughout life, which is why it may be time to restructure or reconsider your life insurance in South Florida.

How Do Needs for Life Insurance in South Florida Change?

Younger people typically do not prioritize buying life insurance. Many are concerned about mounting student loan debt and do not want to incur any more debt. They invest in their 401k’s for financial security. In fact, many younger people put life insurance on the back burner for quite some time until they realize how valuable the protection of this insurance can be.

However, once families buy a home, things begin to change. Why? Home mortgages can be quite expensive and require a consistent monthly payment. However, these payments may be too much for one partner to share, should anything happen to the other. Then, children generally become the next phase of life, which substantially increases the needs for life insurance.

As we get older, we may have paid off our mortgage or decided to downsize. Life Insurance purchased to cover that home loan is no longer needed. As your coverage needs change, the experts at iWill Advisors will help you to decide if your life insurance is too little, too much or just right for your current circumstances. We represent all of the major national insurance companies, which means that we will compare and quote life insurance that works best for you. Give us a call today at (954) – 753 – 8080 to see if your life insurance in South Florida is ready for an update.

What to Know About Life Insurance in South Florida

March 25, 2018
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Insurance can be confusing, especially when comparing life insurance and annuities. Life insurance is meant to protect your family should anything happen to you, while annuity contracts are there to help provide consistent and reliable income for life. At iWill Advisors, we know how complicated this can be, as there is so much fine print to be aware of. Instead of choosing your path alone, allow experts with years of experience to help guide you to the best option. Many individuals aren’t entirely sure what they’re getting, but with the best advice in South Florida, we can help you compare and choose efficiently.

Call Today for Life Insurance Help!

There are many benefits to choosing life insurance. As mentioned, life insurance ensures that you are leaving behind financial assistance for your loved ones. When we think about passing away, we may have an overwhelming concern for the wellbeing of our families, especially if we’re the main caretaker and provider. This can be troubling. However, with life insurance, you can at least rest with ease in knowing that you’re setting your family up for a secure and safe future. On some life insurance policies, you earn interest. The benefit to life insurance is that it cannot be taxed. Another additional benefit is that it’s essentially like a bank account, where the money can be withdrawn.

Then, there are also benefits to annuities. Essentially, annuities are a contract, and through this contract, you agree to pay certain payments. There are different options, as far as paying it all up front or in small pieces. Then, the insurance company makes payments back to you at a later date. Sometimes these contracts last a certain time period, but at least those with annuities can confidentially say that they will always be getting paid a salary. This is generally the best option for those who are older, and want to ensure that their savings will last.

If you’re looking into life insurance and annuities in South Florida, then we encourage you to come talk with us. At iWill Advisors, we’re aware of how confusing this all can be, and we’re here to help our customers feel confident and sure of the choices they’re making. Don’t choose such important insurances alone. Instead, find peace of mind in our knowledgeable and friendly staff. Call iWill Advisors today!

Where to Find a Top Insurance Provider in South Florida

March 20, 2018
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When it’s time to shop around for insurance, the options available can be overwhelming. There are many types available today that are difficult to understand. Insurance in general is a tough topic for many individuals, especially if it’s not something you deal with every day. At iWill Advisors, our team of unbiased staff can sit down with you, and help point you in the right direction. It’s important to us that we understand the needs and financial limits of our clients. By knowing what you’re searching for, we can give you advice, as well as make the options less confusing for you.

At iWill Advisors, we represent many insurance carriers such as AARP, United Health, Care Plus, Humana, WellCare, SilverScript, Preferred Care Partners, Aetna, Coventry, United American, any many, many more. We also offer different services. Here are a few:

Medicare

Medicare is one of the most popular insurance options to date. Offering four branches within Medicare, there really is an option for almost everyone. At iWill Advisors, we offer comparisons from many different carriers to ensure that you’re receiving the best rate possible. Medicare includes Original Medicare, Medicare Supplement Plan, Part-D Prescription Drug Plan or Medicare Advantage Plan.

Long Term Care

Most of us all end up needing long term care at some point. As we get older, we may need to look into options for assisted living or nursing homes. Many individuals don’t know that Major Medical and Medicare do not cover these items, which can cause a rude awakening when it comes time to assess these pressing issues. However, there are many options for those in need.

Life Insurance

Life insurance is one of those insurances that is crucial to have, and for a number of reasons. The most unanimous reason is that life insurance ensures that your family members will be safe and secure, even after you passing. For those who are the major providers for their families, there may be some concern over home the family will survive. At iWill Advisors, we can help you look through your many choices.

If you’re looking for the best insurance provider in South Florida, iWill Advisors has you covered. We know that this is not an easy topic, nor is it straightforward. By hiring our unbiased professionals, we can assist you in making sure that you’re picking a policy that makes the most sense, while also making sure you’re getting the best deal possible. If you’re in need of insurance, please come and see us. This is not something to wait on.

What are my Medicare Options in South Florida

March 13, 2018
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Insurance can be a complicated topic, as everyone is looking for something different. With so many options, it can be difficult to know where to start, where to look, and to know what you’re ultimately looking for. At iWill Advisors, we provide some of the best quotes, comparisons, and advice.

Here are 4 Medicare options:

Original Medicare

Known as a fee-for-service program, this type of Medicare is linked with the government. Unlike other healthcare options, with Original Medicare, you are paid directly. There are also limits on what one can and cannot be charged with Original Medicare.

Medicare Advantage Plan

Unlike the above alternative, this option is linked to private companies. While Medicare Advantage Plans provide both Part A and Part B, there are many ways to use this insurance efficiently.

Medicare Supplement Plan

Also linked to private companies, Medicare Supplement Plan helps with paying deductibles, co-payments, and coinsurance. Original Medicare won’t cover these additional payments, so having this option available is useful. Another important piece is that this plan is not available to families, as it may only be purchased individually.

Part-D Prescription Drug Plan

If you or a loved one is need of constant medication, then this may be the best option for you. Medicine is expensive, especially if it’s being purchased frequently. Another way to decide that this may be the best choice for you is if you’re currently paying a monthly premium, co-pay, or annual deductible.

With so many options to choose from, you may find yourself extremely overwhelmed. Our professionals can sit down with and show you some of the most popular Medicare options such as Coventry, Silver Scripts, Humana, Wellcare, Aetna, and United American. When our clients attempt to look for options themselves, they end up feeling as though they aren’t sure which Medicare choice is right for them. There are many questions to ask yourself. You’ll want to decide what coverage options are best, which could be better, and what insurance options fit into your price range. Instead of dealing with the stress, call the experts!

At iWIll Advisors, we help people find Medicare options that work for them. With many years of experience and practice, we encourage those looking into Medicare to not go through this process alone. We have the knowledge you may need to make the best decisions for you and your family. If you’re looking for Medicare options in South Florida, please call us today!

5 Reasons to Have Life Insurance in South Florida

March 7, 2018
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When it comes to insurance, it can be tough to know what you’re getting and how much it covers you. At iWill Advisors, we know that many other individuals out there are looking for assistance on insurance. With extensive knowledge, friendly staff, and advice you can trust, it’s clear to us why we’re one of South Florida’s favorites. One of the most important insurances to have is life insurance. If you’re looking to acquire your own life insurance in South Florida, here are five reasons to have it.

PROTECTION

If you’re the primary caretaker for you family, then you’ll most certainly want life insurance. If anything were to happen to you, you’ll want to know that your family is protected and safe. When the main caretaker of a family passes, it’s essential that there is financial assistance to those they’ve left behind.

AFFORDABLE

The wonderful news about life insurance is that it’s actually very affordable. While we know that everyone has a different budget, there are options for all families.

RELIEVE STRESS

Many individuals wonder what will happen to their family should they pass away. Though the loss would undoubtedly be tough, at least you know that they are cared for. This takes away a large burden at the end of one’s life, and ensures that no matter what happens, their loved ones are going to be financially secure.

CASH VALUE

Permanent policies for life insurance ensure that your loved ones can use the money like cash. This is extremely beneficial for family members, as they’ll be able to buy, pay, and invest in necessary needs.

At iWill Advisors, we’ll sit down with you and review your needs. Once we have a general understanding about what you’re looking for, we can help you pick the best life insurance policy for you. There are many different options, but with trusted advisors on your side, you can rest easy knowing that you picked the best. It can be scary to choose life insurance, as it’s not a simple coverage. In fact, it may be the most important insurance you’ll ever own. That’s why we offer years of experience and service to assist individuals with all of the their insurance questions, concerns, comparisons, and needs. If you’re looking for life insurance in South Florida, don’t go through the search alone. Call the experts today!

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