CoastalBGA Insurance takes pride in being experts in the insurance industry. We represent more than 65 different carriers and can provide the best rates on permanent life insurance policies for anyone in Florida or throughout the United States. When you become our client, our brokerage directors and case managers will use their extensive knowledge base to ensure that you’re confident, prepared, and happy. As professional permanent life insurance agents, we can offer lifelong protection and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, permanent insurance remains in force for as long as you continue to pay your premiums.
Life Long Insurance
A permanent life insurance policy is designed and priced to keep a client over a long period of time. Permanent insurance is often referred to as cash-value insurance because these types of policies are capable of building cash value over time. There are different types of permanent life insurance policies, including:
- Whole Life Insurance
- Variable Life Insurance
- Universal Life Insurance
- Variable Universal Life Insurance
- Survivorship Life Insurance
Term Life Insurance
At CoastalBGA Insurance we believe in providing our clients with the best possible term life insurance policies. Term life insurance is a basic and least expensive form of life insurance on the market. There are no investment accounts, cash values, or policy loans with this policy.
It is inexpensive because you receive what you pay for. This means you get a high amount of life insurance protection at a low cost. It is easy to get and can be bought without a medical exam. This policy is also a temporary form of life insurance, meaning it will expire in either 10, 15, 20, 25, or 30 years from the date purchased.
Although there is an expiration date, there are options to extend it if necessary. This option makes this policy flexible and useful for protecting your family, paying estate taxes, securing bank loans, and more.
If you’re looking for permanent life insurance, get in touch with us at CoastalBGA Insurance, and we’ll match you with an insurance advisor who can help you might the right decision for your client.