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Fort Lauderdale Life Insurance

Fort Lauderdale is a diverse city with an active retiree community, families, and business owners. With its stunning beaches, amazing attractions, and waterfront property, it’s no wonder so many people relocate here each year. If you’re looking to protect your family or establish financial security, life insurance can help. Purchasing a policy can give you peace of mind — and offer a cash value that helps you cover major life costs later. 

But life insurance can be complicated, especially if you’ve never even thought about buying it before. You may only be in your 30s or 40s and question whether you need life insurance. Even if you don’t have kids or are just starting your family, life insurance is a beneficial investment. Here’s why.

Why Life Insurance Is Crucial for Fort Lauderdale Residents

Living so close to the beach in Florida is a dream, but it also poses health risks. With Florida’s natural vulnerability to severe storms and hurricanes, residents face heightened threats that could put their lives in jeopardy. Avid boaters who take advantage of Fort Lauderdale’s marinas may also face a higher risk on the water. 

While you may always take precautions, the truth is that anything can happen to anyone. Rather than simply hope for the best and leave your family unprotected, you can assure their well-being by investing in life insurance.

No amount of money can replace your loss, but a death benefit can make life easier for the people you love the most.

Good life insurance can

Cover expenses like housing, food, utilities, childcare, and more if you pass away. 

Replace your income to support your family in the event of your death.

Offer a nest egg for loved ones who are responsible for dependents after your passing. 

Retirees who wish to protect their estate, as well as families in Fort Lauderdale, should consider life insurance as a valuable investment. 

What’s more, whole or universal life insurance builds a cash value that you can borrow against while you’re alive. And if you live to a certain age, you can even sell a life insurance policy for a lump sum to spend however you like.

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    Select policy type

    For a tailored coverage plan please fill out all sections of this form.
    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

      Select policy type
      By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Select one or more from coverage
        By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

        Benefits of Working with Local Life Insurance Providers in Fort Lauderdale

        Live Health Insurance can connect you with the best Fort Lauderdale life insurance companies. Our experts know that you need specific provisions to keep your family safe, and we want you to get the best coverage and rates from highly rated providers. 

        Working with a local company means you can expect more tailored care and a deeper understanding of your lifestyle. Our brokers offer tailored guidance to ensure that you fully understand your options and are equipped to make the best decision for you and your family.

        Your Health, Your Choice: Our Insurance Plans

        Better Rates

        We aim to balance affordable premiums with essential coverage, ensuring your health insurance remains an integral, manageable part of your financial plan without compromising on quality.

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        Our experienced team is here to demystify the health insurance maze, offering clear, personalized support and guidance to simplify your insurance journey.

        Better Coverage

        With Live Health, choosing the right health insurance is a straightforward process. We guide you through the myriad of options, from broad PPO networks to economical HMO plans, ensuring you obtain reliable coverage that includes vital dental and vision care, empowering you to make confident insurance choices.

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        Stay protected with our health insurance plans, offering extensive coverage that ensures your health and well-being are never compromised.
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        Life Insurance

        Life insurance isn’t a one-size-fits-all kind of deal. There are different packages tailored for different needs, the two big players being Term Life Insurance and Whole Life Insurance.

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        Be protected from unwanted (and pricey) surprises at your next visit to the dentist with comprehensive dental plans covering essential procedures and preventative care.
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        Vision Plans

        Eye health is often neglected when signing up for insurance, and our vision care plans guarantee that your ocular health and vision treatment are covered.
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        Types of Life Insurance Available in Fort Lauderdale

        You have a lot of flexibility when it comes to how much to pay for life insurance. Term coverage is shorter and offers lower premiums, while a whole or universal policy lasts for the rest of your life. 

        It’s helpful to explore all your options first, then see how each one aligns with your goals. 

        Term Life Insurance in Fort Lauderdale

        Term coverage is ideal for families and retirees seeking to secure a death benefit for their loved ones. This type of coverage does not accrue any cash value, so you can’t borrow against a term life insurance policy. However, it does have a secure death benefit that ensures your loved ones will receive the funds you’ve paid for them to have after you pass away.

        Term life insurance only lasts for a set period of time, typically 10-30 years. If you are unsure whether it is the best long-term solution for your life, you can look for policies that allow you to convert the term to whole life insurance.

        Or you may invest in term coverage now just to keep it in place. Even for those with established wealth, having a life insurance policy can provide coverage for funeral costs, debt, and other expenses as a tax-free income. 

        Whole Life Insurance in Fort Lauderdale

        Permanent life insurance is most commonly purchased as a whole life insurance policy. This type of policy generates a cash value over time, allowing you to borrow money and use it to pay for things like medical bills, mortgage payments, or college tuition. When you borrow money from your life insurance policy’s cash value, you can spend it however you’d like.

        In some cases, the cash value is placed in a separate tax-deferred account. Each policy is unique depending on the provider; you will have to discuss how the cash value component works with each insurance carrier to ensure it aligns with your preferences. 

        Universal Life Insurance

        A universal life insurance policy allows the insured person to adjust the premiums and death benefit over the course of their life. This makes it a more versatile option ideal for business owners, families, and retirees with evolving needs.

        A universal policy accrues a cash value whenever you pay in excess above the minimum cost of insurance. The cost of insurance is the baseline amount you’ll have to pay to keep the policy active.

        You can borrow against the cash value without tax burdens, but it’s important to remember that your policy will lapse if your cash value hits zero and your premiums do not cover the cost of insurance.

        Tips for Finding the Best Life Insurance in Fort Lauderdale

        Fort Lauderdale residents can find affordable life insurance coverage by comparing quotes from multiple providers. The easiest way to do this is with the help of a licensed insurance broker from Live Health Insurance.

        Our team of dedicated brokers are here to help you with personalized policy recommendations. We’ll take your age, occupation, and financial goals into account to ensure you find the right policy for your needs. 

        As you think about what you need in a life insurance policy, consider: 

        • How much income you want to replace. A good death benefit will replace your annual salary for at least two to five years. If your goal is to build generational wealth rather than replace income, then think about what amount would give your heirs the greatest security. 
        • Factor premiums into your current budget before you buy. What impact will premiums have on your savings and discretionary income if you take out a policy? Your life insurance should be manageable, so you can continue to enjoy your life while still paying toward your family’s financial security. 
        • Ask about ongoing discounts. Many providers offer discounts for individuals who meet certain criteria, which can help you lower the overall cost of your policy and monthly premiums.
        • Compare quotes through a trustworthy broker. Live Health Insurance is one of the top insurance brokerage companies in Florida, ensuring that you get policy recommendations from only the most reputable providers. Your personal information will be protected and never shared with anyone without your consent.

        How Much Does Life Insurance Cost in Fort Lauderdale?

        The cost of life insurance is dependent on factors like your age, income, and the amount of your desired death benefit. Individuals with high-risk factors such as smoking or heavy alcohol consumption can also face higher premiums.

        Your broker can help you build a policy that strikes the right balance between your coverage needs and budget. 

        How to Apply for Life Insurance in Fort Lauderdale

        You can apply for life insurance in five easy steps:

        • Compare quotes online. Use Live Health Insurance’s free form to request life insurance quotes from Florida’s to providers.
        • Review your options. Determine whether term or permanent life insurance meets your needs and how each premium would work for your income and lifestyle.
        • Connect with a broker. Discuss policies with a life insurance broker who can help you build a comprehensive policy. 
        • Submit documentation. You will need to provide proof of ID, residence, employment, and possibly your health history to enroll in a policy.
        • Wait for the insurance company to underwrite your policy. After a short period of time, you will receive the policy from your insurer, which you can either revise or sign up for.

        Working with local agents can make the sign-up process easier, especially since they understand unique Florida regulations and the best riders to add-on for individuals who live in flood-prone areas. 

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        Meet Our Florida Health Insurance Agents

        At Live Health, we don’t do canned, automated replies. Instead, our health insurance brokers work with you to find comprehensive, perfectly tailored coverage to give you and your family or employees peace of mind. Finding the right health insurance isn’t always easy, so we’re proud to be there with you every step of the way.

        Get Your Quote In Minutes


          Select policy type

          For a tailored coverage plan please fill out all sections of this form.
          By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

            Select policy type
            By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

              Select one or more from coverage
              By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

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              Frequently Asked Questions About Life Insurance in Fort Lauderdale

              While there is no type of life insurance specifically for boaters, having extensive coverage that covers your death in the event of a boating accident could be helpful. You can also look for a policy that offers a cash value, which you could borrow against later for boat repairs or replacement if yours was damaged or destroyed in an accident. 

              Are there life insurance options that provide hurricane-related coverage?

              No, life insurance policies do not address natural disasters or repairs. However, whole and universal life insurance policies that accumulate a cash value could possibly be used to help pay for repairs after a hurricane. 

              Can I find policies in Fort Lauderdale that do not require a medical exam?

              Yes, there are guaranteed issue and simplified issue life insurance policies that can provide life insurance without a medical exam.

              Life Insurance Services in Other Florida Cities

              • Miami
              • Jacksonville
              • Tampa
              • Orlando
              • St. Petersburg
              • Hialeah
              • Fort Lauderdale
              • Port St. Lucie
              • Tallahassee
              • Cape Coral
              • Pembroke Pines
              • Hollywood
              • Gainesville
              • Miramar
              • Coral Springs
              • Clearwater
              • Miami Gardens
              • West Palm Beach
              • Lakeland
              • Palm Bay

              Why Choose Us for Life Insurance in Fort Lauderdale?

              Live Health Insurance has helped over 500,000 clients find the perfect coverage for their needs. Our dedicated Fort Lauderdale life insurance brokers can help you find the perfect policy for your family and finances. 

              Request your free quotes today, and we’ll be in touch with you shortly.

              Get Your Quote In Minutes


                Select policy type

                For a tailored coverage plan please fill out all sections of this form.
                By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                  Select policy type
                  By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.

                    Select one or more from coverage
                    By clicking 'Send Quote', I provide my electronic signature through which I expressly consent to receive marketing and telemarketing contact from insurance agents affiliated with USHEALTH Advisors, LLC at the telephone number(s) and email addresses I provided through this site, and understand and agree that such contact may be made via automatic telephone dialing systems, artificial/pre-recorded messages (including pre-recorded messages using soundboard technology), email and/or text messages sent to the telephone number(s) and email address I have provided to this site. I expressly agree and consent to this contact even though the number I provided to this site (i) may be a cellular telephone, and (ii) even though the telephone number(s) may be registered on any local, state, national and/or internal “Do Not Call” list or registry. I understand that my consent to receive communications in this manner is not required as a condition of purchasing any goods or services, my telephone company may impose charges for these contacts, and my consent can be revoked at any time.
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