Motor Vehicle

• Auto Insurance
  Auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy.
• Boat Insurance
  Most people worry about their home, vehicles and expensive decorations at Halloween and for good reason. There are more home and auto claims at Halloween than any other time of the year. Boat owners need to be aware that their vessel is also at risk of vandalism and theft on fright night. Your boat insurance policy will typically cover theft or vandalism, but it’s better to protect your investment rather than filing a claim.

Property

• Home Insurance
  Homeowners insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

Health and Life

• Life Insurance
  Life insurance and your choices can be Term Life, Universal Life, Whole Life, Variable Whole Life or a Variable Universal Life policy, each type of insurance has its advantages.
• Health Insurance
  Life and health insurance have many variables and decisions, such as, how much is enough and what type of policy is the best for you and your family. With this in mind we have put together a quick reference guide with definitions that will familiarize you with the common terms used in the breakdown of coverages available.
• Long Term Care
  Boca Raton Life insurance and Health insurance specialists feel it is important for you to take a look at what you have existing as far as life insurnace, health insurance and long term care insurance and compare it to what we offer to see if we can better enhance your situation.

Business

• Business Insurance
  Our Insurance agency serves the personal and business insurance needs of individuals, families and businesses. We are insurance professionals who will take the time to understand your unique family or business situation or circumstances, and match the proper coverage to those needs.

Personal

• Annuities
  This is a contract with an insurance company that you agree to deposit a specific amount of money with that insurance company. The insurance company agrees to pay a fixed rate of interest on your funds, as long as the contract exists. The interest you earn accumulates as tax deferred. Also available are variable annuities which pay a variable rate of return. Withdrawals are taxable and if you withdraw from the account prior to age 59 1/2 a tax penalty may apply and there are federal restrictions.*
• Liability Insurance