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Home > Life Insurance | Term or Whole Life - Florida

Life Insurance


Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Thank you for your interest in Garland Health & Financial. We proudly serve businesses and families in Lakeland, Winterhaven, Barton, Polk City and Plant City, FL. Please call our office at 863-683-9334 or via email with any questions.

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5620 US Hwy 98 N
Lakeland, FL 33809

Ph: 863.683.9334
Fx: 863.687.4027
We are not associated with Medicare, Medicaid or the Federal Government.
A licensed representative may contact you regarding this insurance-related information request. Any benefit information provided herein is a brief summary, not intended to be a comprehensive description of benefits. For more information, contact the plan. Limitations, co-payments and restrictions may apply.