The cost of life insurance premiums in Florida, as in other states, is influenced by several factors. Insurance companies use these factors to assess the level of risk associated with insuring an individual and determining the appropriate premium amount. Some of the main factors that affect the cost of life insurance premiums in Florida include: Age: Generally, younger individuals pay lower premiums as they are considered lower risk compared to older individuals who may have a higher likelihood of health issues. Health Status: Your overall health and any pre-existing medical conditions can si ..read more

Yes, you can have multiple life insurance policies in Florida, just as you can in most other states. There is no law or regulation that restricts individuals from owning more than one life insurance policy in Florida or any other state. In fact, having multiple life insurance policies can be a strategic financial decision for some people. Each policy can serve different purposes, such as providing coverage for specific financial needs or goals. For example, you might have one policy to cover your family’s immediate expenses in the event of your passing and another policy to provide long-term f ..read more

Helping individuals and families find the right life insurance policy for them The top ten life insurance questions an insurance agency is asked in Florida may vary depending on the individual’s circumstances and needs, which are listed on this “Life insurance policies in Florida” blog. However, here are ten common life insurance questions that insurance agencies in Florida may be asked: How much life insurance coverage do I need? What is the difference between term life and whole life insurance? How much will my life insurance policy cost? Can I get life insurance if I have a pre-existing me ..read more

Dental plans are not typically included in an Obamacare (Affordable Care Act) policy in Florida. While the ACA mandates that health insurance plans must include coverage for essential health benefits, dental coverage for adults is not considered an essential health benefit. However, dental coverage for children is considered an essential health benefit under the ACA. If you purchase a health insurance plan through the ACA marketplace in Florida, you may have the option to add a separate dental insurance policy. Dental insurance policies typically cover preventive care, such as cleanings and X ..read more

Mortgage Protection Insurance Explained Mortgage protection policies are designed to provide a specific benefit to pay off the remaining mortgage balance in the event of an eligible event such as death, disability, involuntary job loss, or critical illness. Some additional features that may be included in a mortgage protection policy include: Waiver of premium: A waiver of premium provision may be included in the policy that waives the policyholder’s obligation to pay premiums if they become disabled and are unable to work. Inflation protection: Inflation protection may be included to ensure ..read more

Each person’s situation is unique, and the right policy depends on individual circumstances Life insurance policies in Florida, and everywhere else, can vary depending on the individual’s circumstances and needs for several reasons: Coverage Amount: The amount of coverage that a person needs can vary depending on their financial obligations, such as mortgage, debts, and dependent children’s needs. Some people may require a higher coverage amount to ensure that their loved ones are adequately protected if they were to pass away. Health Status: The health status of an individual can affect thei ..read more

All Medicare-eligible people in Florida have access to a $0-premium Medicare Advantage plan. This graph represents the total Medicare Advantage enrollments (in millions) during the 1099-2020 period. Medicare Advantage Private plans that contract with the federal government to provide Medicare benefits. Please keep in mind that different areas have different Medicare Advantage Plans. A particular plan may not be available where you live. Call Insurance Pro at 407.847.7000. Read also: Frequently Asked Questions on Medicare How to Get Medicare and Medicaid in Kissimmee, Florida? Request a Quot ..read more

Dates and deadlines for 2023 health coverage Open Enrollment for 2023 runs November 1, 2022–January 15, 2023. Enroll by December 15, 2022 for coverage that starts January 1, 2023. Plans sold during Open Enrollment begin January 1, 2023, if you paid your first premium. After January 15, 2023 you won’t be able to get 2023 coverage unless you qualify for a Special Enrollment Period. November 1, 2022: Open Enrollment begins – first day to enroll, re-enroll, or change a health plan for 2023. December 15, 2022: Last day to enroll or change plans for 2023 coverage that starts January 1, 2023. Januar ..read more

Need health insurance? Open enrollment for 2023 ACA-compliant health coverage runs from November 1, 2022 to January 15, 2023 in most states You can get health coverage for the rest of 2022 if you qualify for: A Special Enrollment Period due to a recent life event, like losing other coverage, moving, getting married, or having a baby. Medicaid, the Children’s Health Insurance Program (CHIP), or a new Special Enrollment Period based on estimated household income. The chart below shows the 2023 OEP dates for the states that use the federal ACA exchange. Coverage begins January 1, 2023. Stat ..read more

Please be ready to answer the following ACA specific questions during your appointment. Are you satisfied with your current health plan or are you interested in reviewing new options? What will your estimated income be the year 2023 for you and everyone failing taxes together? Have you had any changes to your demographic information? I look forward to speaking with you soon regarding your ACA renewal appointment. If you have any questions or concerns, please feel free to reach out to me through email or phone by calling us at 407.847.7000. Disclaimer: These are questions related to clients ..read more