We Find the Best Rate on Life Insurance for You. Free Quotes! As Low As $13 Per Month.

We Find the Best Rate on Life Insurance for You. Free Quotes! As Low As $13 Per Month.

Life Insurance in Miami for just 20 m

Life Insurance in Miami for just 20 m


**Browse the top Life Insurance Policies online with uLifeInsuranceMIAMI.com and find a policy that meets your needs.

It is absolutely possible for you to get an insurance policy in Miami for only $20 monthly, what in fact means that you would pay this amount every month to get benefits that could reach up to $250.000 for a death benefit.

Just think about this: what would happen in case you were not with your family anymore? Imagine how difficult can be for them to support their regular expenses such as mortgage auto loans, even worth your kids students loans or universities , also the basic expenses like food and some other indispensable ones. In general every single thing that your family need for their own support.

As you can see from the headline, you can access to cheap quotes you will find really easy to pay. They are even cheaper than what you’ve thought, maybe cheaper than other expenses such as your monthly cell phone bill.

We would like to help you finding the right information about life insurance quotes, giving you as many quotes as you need according to your preferences. We will not get tired of helping you because it is our responsibility and we are pleased to do it.

Either a Term Life Insurance or the most complete and lasting Whole Life Insurance, which is a little bit more expensive but will offer you a coverage for all your life, can be the most adequate to protect your family from an unexpected misfortune that can come about to any person.
We are willing to help you until you get the best plan that fits your needs. Do not hesitate to contact us. There are plenty of alternatives available. Remember that the security and confidence your family needs is at your fingertips, just buying a Life Insurance in Miami.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing

What is a Life Insurance

Free Quotes Life Insurance Miami within 2 minutes

The best Miami Life Insurance Quotes are listed right here on uLifeInsuranceMIAMI.com. Free Life insurance quotes in MIAMI right away!

Life Insurance instantly free quotes 


Buying a Miami Life Insurance is a way of keeping yourself protected as well as keeping your family safe. You should seriously consider the chance of getting a life insurance policy because an unexpected misfortune can happen and you do not have to wait until it is too late to regret not taking the right decision at the right time.

You do not have obligations to anyone except your family and our agents are willing to offer you as many free life insurance quotes as you want to consider. We will show you all the possibilities, trying to fit your budget and conditions.

You can truly access to a life insurance policy paying just $ 15 or $20 monthly, depending on the type of policy you choose. For instance, if you decide a term life insurance, you will only pay a small sum of money according to your age, the amount of the policy and your health condition.

But, if you are a more exigent person and you want a policy that covers you for all your life, then our tip is to choose a Whole Life Insurance that despite being a bit more expensive, and as its name indicates, would cover you until the end of your life, which is really advantageous.

Therefore, do not doubt to contact us. A lot of choices are available and we will provide you the safety and confidence you are looking for when taking such an important decision in your life: a Life Insurance in Miami.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing

Life Insurance Agents in Miami

Free Life Insurance Quotes in Miami


Life Insurance Quotes in Miami, FL. If your looking for life insurance in Miami, or Ft. Lauderdale then you should ….Visit us at uLifeInsuranceMIAMI.com

When you decide to get a Life Insurance, you need to put all your efforts to be successful in the negotiation. Our agents are absolutely qualified to advise you and of course they will help you to reach the cleverest decision.

Our agents work in contact with all the companies available and they can help you choosing the best plan fitting your conditions and possibilities.

No matter if it is for you or for your small business, our agents know about the best opportunities and plans to offer you more benefits at the lowest prices.

Do not doubt to contact us! You simply have to write your phone number in our form of contact as well as your full name and your e mail address, and immediately you will get a phone call from us to arrange an interview and give you the personalized service you deserve.

You can also give us a phone call (at the number in our web site) and ask about the plans in Life Insurance in Miami which allow you to save money and and have the best options available at the same time.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing

Demand of Life Insurance in Miami

How and where must I make an Insurance Demand or Claim in Miami? 

Lawers of Life Insurance claims in Miami

**INSTANT LIFE INSURANCE QUOTES in Miami and Ft lauderdale...Life Insurance Rates in Miami and Ft lauderdale...
 Life Insurance is perfectly defined in the section 624.602 in the State of Florida Law, where the assurance of human lives is clearly detailed. It is product of a negotiation between the insured and the insurance company, which turns into an agreement or contract where both parts have to assume their own responsibilities.

The former accepts the commitment of paying the quotes called premiums and the insurance company has the obligation to pay an arranged quantity of money to the beneficiary, who has previously been designated by the insurer in case of their dead.

There are several types of life insurance- but just two of them are the most important ones.

* Whole Life Insurance: which basically allows economic benefits in case of dead and as time passes.
* Term Life Insurance which as its name suggests consists of benefits determined for a certain a number of years.

It is important for you to take into account that insurance companies in some occasions use certain excuses in order to avoid paying the amounts of money arranged in life insurance policies. It is really disappointing that those kinds of things happen when you have been assuming a certain quantity of monthly payments, maybe for years, and the company refuses to pay you in view of the amount they owe you.
This is the reason for which you have to define some “ key points” when arranging your life insurance policy, or even if you have already made mistakes maybe you are likely to correct them quickly if you take into account those tips.

4 Mistakes You Should Not Make When You Buy a Life Insurance Policy.

1-No designate the right beneficiary at the time you buy the policy.
2-Make any fraud against the insurance company.
3-Distort, change or leave out important information in you insurance policy.
4-Forget to leave clearly determined the cause of dead in the demise certificate.

These are some of the main reasons why insurance companies can deny you the right to get the payment of the arranged benefits. They are not the unique ones, and they come from mistakes that you make when taking the decision of counting on a life insurance

Of course, your family will not be alone in a moment like this because there is a legal solution: if a life insurance company denies what they owe you, they must provide the beneficiaries with detailed justifications for which they do not pay what they are claiming. There are some legal procedures to appeal such decisions coming from the insurance agencies.

Beside this, it is difficult to understand the language in a life insurance policy because they include technical vocabulary that possibly will not sound familiar to you. It is necessary in this case that you count on proper advice. So it will be good for you to have the help of a professional who knows how to defend your rights in front of the insurance company since the early beginning in you negotiation.

A lawyer would help you to avoid those failures that can cause you a lot of loss if you do not have the proper knowledge. According to what the Law has established, the insurance companies can be responsible for the fees and the costs that must be paid to the slawyers and courts.

Fortunately, we can rely on a firm of well-known lawyers who has been attending any types of claims for more than 60 years.
Greenberg &Stone can be contact on the website written at the end of this text.
Source: Abogado.Sqqlaw.com

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing

I can get a Life Insurance if I smoke

I Can Get a Life Insurance in Miami

Three important questions for smokers when acquiring a life insurance

Life Insurance Company Ratings in Miami and Ft lauderdale. Free Life Insurance Quote.. 
1- Can I own a reasonably cheap life insurance if I am a smoker?

Being a smoker you will find it more difficult to get a cheap prize in acquiring a life insurance. You are likely to have to pay more for the monthly premiums in comparison with non-smokers. Everyone knows about the dangers that cigarettes involve for health and it is supposed that a smoker has more risks of catching cancer or other serious illnesses than a non-smoker.

Therefore, his fees for a life insurance will be higher, because of this habit.
However, all is not lost, you can still despite your condition be insured. It is possible that the only consequence will be that you will have to pay a little bit more money.
2-How can I get precise information about life insurance policies for me as a smoker?

The best option in this case is to have an interview with a qualified agent, who will be able to provide you with a great deal of valuable information that can allow you to take more accurate decisions at the moment of choosing the best life insurance for you.

In we have designed a short form of contact for you to fill in without any difficulty.
The questions are extremely simple in order not to overburden you with long forms or questionnaires that will make you feel frustrated in the attempt of looking for the best solution.

The agent knows, on the base of your budget, conditions, needs, which policy is the adequate for your and, on the other hand, you have the chance to speak with a human being, in contrast with the trouble of having to look for quotations on line and not finding the right place for you.

Of course, we are not against automation and the real chance that the Internet gives you to get certain quotations in a quick and easy way, the point is that you will feel more satisfied if an insurance professional agent assists you instead of getting your information alone in front of a computer.

Besides, with the agent’s support, you will avoid answering the same questions several times, or having the trouble of contacting half a dozen of life insurance companies or agencies because all the precise information you need about insurance services and different providers will be resumed in the agent’s resources to help you. In fact, you will be able to save plenty of time.

Anyway, if you still want to look for some online information, you might find any type of fees, which will allow you to get the best possible prize. What ten years ago was difficult- comparing different insurance fees- has been solved by the Internet nowadays.

3- Why do you need a life insurance if you are a smoker?

We have previously referred to the fact that if you are a smoker, you are taking more risk concerning to your health and we have arrived to the conclusion that you will have to pay more for your life insurance. Insurance companies try to protect their interests, assuming the least amount of loss in relation to your smoking habit, and they compensate the risks in advanced charging you more money on the monthly premiums.

Do not believe that the insurance agency is against you because you are a smoker, concerning to the higher premium you have to accept. There are other similar cases that involve a higher risk of death such as the practice of risky sports or professions those also increase the monthly premium

But, the important point is to define if you need a life insurance, just for being a smoker, and the answer is “yes”, we can assure that it is indispensable. You can not see your life two or least years ahead, you have to imagine it within the next ten years o more. You have to be concerned about your own future and your family’s with prevision and intelligence, thinking that your habit, sooner or later, can bring you serious consequences and your close family will probably be in need of your support earlier than it is usual.

Of course, the ideal thing to do is give up smoking and this way you will have to pay cheaper insurance fees, similar to the people who do not smoke. Anyway, if you being aware of the consequences, have even decided to carry on smoking, treating you badly because of the cigarette, it would be wiser to have a protection and this is the main reason for you to get a life insurance.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing

8 FAQ Life Insurance Miami

8 Frequently Asked Questions-Life Insurance in Miami

From 15 /m LIFE INSURANCE in Miami,Term Life Insurance, Whole Life Insurance: New York Life, Prudential, MetLife, American General, Allstate, Blue Cross and Blue Shield, Aflac...
 What is Life Insurance?

You might ask yourself if it is convenient to buy life insurance. Perhaps you think is for young people with no health issues. In conclusion, you are not well informed when it comes to this topic. Is important to remember a medical catastrophe or accident can happen at any moment.Let us begin describe

Life insurance is an insurance that pays an amount of money to a designated beneficiary or beneficiaries in the event the insured person dies. Basically, life insurance is a contract between you and the insurance company whereby the insurance company commits to pay the sum of money you have designated your loved one (the beneficiary) to receive in the event of your death, as long as the premiums are paid up to date.

Which are some of the reasons why you should buy Life Insurance?

Life Insurance pays money to your family when an unexpected death event occurs. The money received is called the face amount. This may offer a financial guarantee to your family. If you are the bread winner, life insurance might assist your family with the financial burden while they recuperate from facing their loss.


What is a beneficiary?

A beneficiary is the person or organization that will receive the proceeds in the event of your death. You can choose a spouse, children, friend or domestic partner.
A non profit organization can also be a beneficiary. It is also recommended to assign a contingent beneficiary. A contingent beneficiary would receive the proceeds in the even the primary insured and the beneficiaries die within the same period of time. It is very important to have the names of the beneficiary and the contingent beneficiary very clear.
If you don’t, the proceeds will go to your estate after your death. While the insurance proceeds could be paid to the beneficiaries immediately after your death, if it goes to your estate, it would then need to be legalized with the rest of your estate and this can take a very lengthy time.

Do my beneficiary have to pay income taxes on the proceeds from my life insurance?

Generally, your beneficiary will not have to pay income taxes on the proceeds received. However, the beneficiary would have to pay income taxes on any interest that might have accrued.
Example, if you had a life insurance policy with a face amount of $70,000 paid out to your beneficiary, there is no income taxes to be paid. But, if your policy has earned interest on a $70,000 life insurance and the paid out total is $70,100, then you would pay incomes tax on the $100 interest earned.

How much Life Insurance should I buy?

Each person has different needs. The principal factors to keep in mind are your earnings and your financial responsibilities. It is recommended by financial advisors that the amount of life insurance equals seven to ten times your annual income.


Which are the different types of Life Insurance?

There are basically two types of Life Insurance; term and universal.
Term Life Insurance: is an insurance which will pay out during a specific period of time. For example, people still paying mortgage and/or student loans, might want to consider becoming insured during this period of time in the event death happens while still financially responsible.
Universal Life Insurance: is an insurance which will offer protection for the life of the insured, as long as premiums are paid according to the illustration on the policy. Cash accumulation is one of this product’s point of interest for many consumers.

How does Life Insurance work?

Life Insurance can have a term of one to 30 years. Benefits are paid only if you die within the period you chose as term of your policy. The premiums remain the same for the time of the term specified in the policy. Term insurance policies can be renewable at the end of the term, but the premium will be adjusted.

Adalberto Ravelo
Insurance Agent
Blogger-Consultor Internet- Marketing


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