Death is always emotionally difficult for all involved, but if you are prepared, it doesn’t have to also be financially difficult. Having good life insurance guarantees protection for your loved ones and ensures that they will be able to chase their dreams, no matter what happens. Americare Quotes has been selling life insurance policies for over 37 years. We are well equipped to help you find the perfect plan to match your life and your budget!
Why Choose Americare Quotes For Your Life Insurance Needs?
Quote Within Seconds
Complete our short form application and receive your quotes within minutes. We deliver the right quotes in a fraction of the time of other companies, so you don’t have to spend days researching different insurers to discover which are affordable and reliable.
$350,000 In Benefits
The cost of insurance is not affected by what medications you take and if you buy a generic Viagra it will not increase the price.
Life insurance benefits may be used to pay final expenses, including funeral or cremation costs, medical bills not covered by health insurance, estate administration fees or other unpaid obligations. With Americare Quotes, you can find a plan that will grant you the benefits your loved ones deserve.
No Medical Exam Required
Unlike other companies, Americare does not require a medical exam to help you find a life insurance plan. Our goal is to make the process as convenient as possible, to get you on the road to finding coverage as quickly as possible, hassle-free.
Let Americare Quotes Help You Choose
How much life insurance do you need? There are a number of questions to consider when determining how much life insurance is appropriate for you, including:
- Who depends on you for their well-being? The more people that would suffer financially if you were not around to provide for them, the more life insurance you might need.
- How much do you earn yearly? One rule of thumb is to think in terms of insurance coverage representing 5 to 7 times your annual earnings, after taxes. That way those left behind have enough support to get back on their feet.
- What debts do you have? If they can be paid off with life insurance proceeds, it can take a burden off your family.
- How close are you to retirement? Generally, the closer you are to retirement, the less life insurance you might need.
Other Factors To Consider
In addition, some other factors to consider include whether or not your spouse is employed, whether or not you would want to provide college funding for your children, and possible estate taxes that may need to be settled. We take the time to understand your needs to determine the amount of insurance appropriate for your unique situation. We then can recommend different insurance product options to fit both your position and your budget. Americare Quotes will work with you to find the right Florida Life Insurance program that fits you. Regardless of the type of insurance coverage you need (term, whole, or universal), we are here to help you select a plan that will ensure your loved ones are taken care of, whatever the future holds.
Shop Top Carriers For Life Insurance
Term Life Insurance
This option is extremely affordable, which makes it a great choice for people who wish to cover a specific need. As the name suggests, it is designed for a certain term, generally between 5 and 20 years, and is selected for a reason such as paying off a mortgage in the event of an untimely death or providing for the education of your children in the event of death of a wage-earner. Some policies allow you to convert to more permanent protection at a later time. If you have need for coverage for a particular time of your life, Americare Quotes has the right solution for you.
Whole Life Insurance
This option is a permanent insurance policy and provides lifelong coverage for the insured with a stable premium. Whole life policies also provide for the accumulation of cash value on a tax-deferred basis. These cash values can be borrowed to help with life’s opportunities such as helping to pay for college or retirement. Policy loans do accrue interest, and any outstanding loans and interest will reduce the death benefit and cash values. If you want to leave a legacy for the next generation, Americare Quotes has the right plan for you.
Universal Life Insurance
This is another permanent life insurance plan that allows for greater flexibility while still granting access to cash values. You can decide the amount of premium payments and even increase or decrease the death benefit to match a particular circumstance. Any interest that you accumulate is tax deferred, and this interest is often adjusted monthly. If you like to be in control of your options, then Americare Quotes has the right universal policy for you.