Insurance We are an independent insurance agency, with our customers as our top priority. Since 1987, our goals have been to offer great pricing and products while maintaining a level of service to our customers second to none.Our experienced, professional team stands ready to assist you with any of your life insurance or annuity needs.As a result of our agency representing the top-rated insurance companies operating in the state of Florida, we are able to offer excellent insurance coverages, in addition to the most competitive pricing.There are several types of life insurance and we will find the one best suited for your individual needs. Generally, life insurance falls into two categories.TERMThis insurance covers a specific period of time the coverage is needed. This type is best suited when the need for the coverage will disappear at a designated time. Examples would be to provide coverage for a home mortgage, of children’s college education or when a particular debt will be paid off.PERMANENTThis insurance is typically more expensive and in contrast to term coverage, 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.The type we recommend will be unique to your specific needs and individual circumstances.**** Please note, many life insurance agents sell life insurance as an “investment”. IT IS NOT and we will never suggest it as such.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 life insurance professional.