How can I lower my life insurance premium?
Life insurance is based on several different factors. Among them are health, age, avocation, and occupation. In some cases you can do nothing about any of them. For example, you’re a 50 military fighter pilot with high blood pressure. In other cases, lowering your weight and deciding not to jump out of air planes can lower your life insurance rates.
What should I think about when buying life insurance?
There are several factors to consider when purchasing a life insurance policy. They include; 1) How much do you need?; 2) What type of insurance do you need?; 3) How long do you think you will need the coverage?; 4)What if any ‘extras’ do you want included in your policy?; 5) If its term insurance, is it convertible?
How much life insurance should I own?
Opinions vary widely on this subject with some experts saying roughly 6-8 times annual earnings and some experts saying 10-14 times annual earnings. It all depends on your particular situation.
What is cash value?
Cash value is the interest earning section of a whole, variable, or universal life insurance policy. Part of your annual policy premium goes to the cash value and earns interest. It’s actually more complicated than that, but that’s a very simple explanation.
How do I know a good insurance company from a bad insurance company?
Generally, third party rating services and you state insurance commission are your best sources when considering insurance. These organizations have financial records as well as claim paying performance statistics that can help you make an informed decision.
What is the difference between an agent that works for one company versus an agent who works independently?
In most cases, an agent who works for one company is considered exclusive. In order to sell the insurance he/she represents he/she must be employed by the company. An independent agent, on the other hand, is free to represent as many companies as he/she wishes.
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl
I just saved over $400 on my Homeowners Insurance Florida with Alliance Insurance. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
Alliance Insurance is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance Insurance for finding the best insurance rates.Mary S. – Tampa, FL
My Agent at Alliance Insurance shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance Insurance saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
“Felicia was a wonderful agent and helpful at every time. I would highly recommend getting your insurance needs met here.”S. Miller – Jacksonville, FL
“I am happy in today’s world to be able to compliment someone, not everyone enjoys doing what they do as Lisa did. I am on disability, was in the insurance field years ago in the 70’s and then went into the medical field and finished as a clinical supervisor. I know what I expected of my staff and Lisa exceeded all expectations. We just found your site the other night but I can assure you as our needs come up for different things we WILL be calling ALLIANCE.”D. Clair – Florida