Best Life Insurance Rates Tampa Florida

Best Life Insurance Rates Tampa Florida can be found at

Life doesn’t always go to plan. You may think ‘it will never happen to me’, but the reality is some of us will die unexpectedly or have accidents and illnesses when we least expect them, leaving family and loved ones behind. What does the family live on when an income earner suddenly dies? How does a business survive when the owner or a key person dies?

Have you made plans to ensure your family or business can survive without you? Could your family cope with paying the monthly bills or making mortgage repayments without your salary? Who pays the hire purchase, credit card debts, funeral expenses, children’s future education or mortgage? Could your business continue without your input and expertise?

Dying is expensive.

Leaving your family to fork out thousands of dollars to fund your funeral adds to the stress of your farewell.

Life insurance is a way to ensure your family has a lump sum to pay any debts and provide some financial cushioning in your absence.

Types of Best Life Insurance Rates Tampa Florida

Term Life Insurance:

Term Life Insurance provides for life insurance coverage for a specified term of years for a specified premium. The policy does not accumulate cash value, and hence there is no surrender value.

The three key factors to be considered in term life insurance are:

  • Face amount (protection or death benefit)
  • Premium to be paid (cost to the insured)
  • Length of coverage (term)

How Term Life Insurance works:

A policyholder insures his life for a specified term. If he dies before that specified term is up, his estate or named beneficiary receive a payout. If he does not die before the term is up, he receives nothing.

Whole Life Insurance:

The primary advantages of whole life insurance are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy.

Premiums are much higher than when compared to term insurance, but average out over the term of the policy.

How to apply for Best Life Insurance Rates Tampa Florida

At Mintco Financial we have secured the services of some of Tampa Bay’s best life insurance and income protection professionals that are available for a free one-on-one consultation to identify your needs. If you are interested in any type of life insurance, please feel free to compare rates online at 

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