Life Insurance in Miami
Farmers Insurance - Dustin Kunkel is Miami’s leading life insurance broker. We help families, individuals, and employers shop the most competitive deals on the market. We help you stay financially stable, no matter what comes your way. Whether you’re looking to save money on an existing policy or take out a new one, rest assured: Our team has you covered.
To schedule a consultation, give us a call at (918) 541-8056 today.Book An Appointment
A Complete Suite of Life Insurance Policy Options
Here at Farmers Insurance - Dustin Kunkel, we believe everyone should be able to know their options and see what insurance plans are available to them. When you choose us, we’ll walk you through your options, compare different policies, and weigh the advantages of them. We’ll help you find the right plan for you and your loved ones.
Different insurance providers will have different policies. That said, there are two main types of life insurance from which you can choose:
- Term life insurance
Term life insurance tends to be the most affordable life insurance policy. It’s very flexible in terms of both timeline and contribution amounts. You can purchase this type of life insurance at a fixed rate.
- Whole life insurance
Whole life insurance is long-lasting and permanent, providing coverage through your entire life span. It never expires, but it also tends to be more expensive.
Other types of life insurance plans include senior life insurance, universal life insurance, and variable life insurance. Once our brokers get an understanding of your unique needs and circumstances, we will find you a plan that maximizes your investment and provides ultimate protection.
Life Insurance Explained
Life insurance is a contract or policy made between an individual and an insurance company in which, upon purchase, the company promises to pay claims in the event of the purchaser’s death.
The claim, also known as a death benefit, will go toward paying for final expenses, paying off debts such as mortgages, fulfilling educational responsibilities, and supporting loved ones.
Life insurance is especially important if the insured has any dependents.
When to Purchase Life Insurance
Although younger people may not feel the need to purchase life insurance, life insurance can be a beneficial investment at any stage in life. The younger you are at the time of purchase, the less expensive it is.
Some of the more common reasons that people may purchase life insurance are:
- To provide financial support to dependents in the case of death
- To ensure that funeral and burial costs are covered
- To ensure that family is not burdened with outstanding debts when you die
- To help cover estate taxes
- To diversify your investments in retirement
Farmers Insurance - Dustin Kunkel: Miami’s Leading Life Insurance Broker
Get in Touch Today
A life insurance policy is not something you want to purchase without careful research and consultation. That’s what we’re here for. We’re here to inform you, educate you, and help you navigate your many options for life insurance. We’ll give you everything you need to make the right choice for you and those you care about.
To get started, be sure to contact us and book a consultation today.