Since your age is a key variable in determining the price you will have to pay, you should purchase life insurance as soon as possible once you determine that you need it.
Selecting term life insurance will enable you to get more for your premium dollars. Also consider any optional group life insurance available through your employer as this usually offers the benefit of buying at a lower cost since it is associated with a group, not just one individual.
If you need additional coverage, then you should obtain and consider a number of quotes. These can be obtained from agents of insurance companies that you select. A full service independent agency such as Hoffman and Associates insurance in Melbourne Florida can provide you with all the necessary information.
You should decide how long the coverage will be needed and then check prices for that length of time. If the amount of coverage needed will decline over time, as when it is intended to provide income for young children or money to pay off a mortgage or other obligations, then consider reducing your premium by purchasing a declining term insurance policy.
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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Information contained within this site is the property of Hoffman and Associates Insurance Company and is provided for consumers looking to purchase insurance. Any other use is prohibited. We are not responsible for errors and omissions on this web site. All information contained herein should be deemed reliable but not guaranteed, all representations are approximate, and individual verification is required. Please contact Hoffman Insurance Company at 321-751-2511 before making any purchase decisions based on information contained on this web site to check for validity. This content is copyrighted by Hoffman and Associates Insurance Company and will bring legal action on to anyone who copies the information contained here. PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIG NED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY. Please read your policy carefully for your terms of coverage. No information in this website alters the terms of coverage in your individual policy. If you do not agree to these terms please exit this website