Call our Agents for a
FREE Quote:
Florida Toll Free (877) 804-5788 Central Florida / Orlando (407) 641-5386 Volusia County (386) 742-6183

Free Quick Quote

Archive for the ‘ Uncategorized ’ Category

Factors That Affect Your Coverage

Factors That Affect Health and Life Insurance Coverage

Life and health insurance offers you a great opportunity to protect your life and that of your loved ones. You also get to make necessary provision against potential health hazards. If this is your first time shopping for life or health insurance, you may begin to wonder the amount it will cost you to purchase a suitable insurance policy.

The cost of life and health insurance policies are dependent on so many factors. Insurance Land, your reliable Florida Life Insurance, and Florida Health Insurance provider bring you some of the factors that determine the cost of life insurance policy and health insurance policy in Florida.

Age

When it comes to life insurance, age is more than just a number. It remains the most important factor that determines the cost of life insurance premiums. Younger people receive lower rates since the risk of death is lesser, compared to adults. For this reason, it is advisable to purchase your life insurance policy at a very young age.

Weight

Just like age, weight also affects the cost of health insurance. Especially for individuals that are obese or overweight, they may have to pay higher premiums.

Current Health Status

During the application process for any of Life Insurance Florida or Health Insurance Florida policy, you will have to undergo a medical examination. This will show your current health status and any potential health risks. Your rate will be affected by the result of the exam.

Furthermore, your medical records may also be looked into by the insurance provider. In case you have had any minor or major health concerns sometimes ago, that can increase your risk of future serious health issues, you may end up paying higher rates.

Gender

As a result of statistics, gender is also a factor that determines the cost of life or health insurance coverage. Statistics have shown that women usually live longer than men. Hence, their insurance rates are lower compared to men.

Occupation

Your occupation can also affect the rate of your life and health insurance. For those that perform dangerous duties which puts them at higher risk of getting injured, or exposes them to toxic chemicals, they are likely to pay for more insurance coverage.

Smoking & Drinking

It is no more a news that smoking and drinking constitute a serious health risk. Smoking can lead to a lot of chronic diseases including cancer, heart attack, etc., leading to untimely death. Drinking alcohol also affects the liver. Smokers and drinkers will have to pay higher insurance rates. However, if you have made up your mind to quit smoking or drinking, you may be asked to pay much lower life or health insurance premiums.

Lifestyle and Hobbies

The same way bad habits like smoking and drinking affect your life and health insurance coverage, dangerous activities like skydiving, skiing, and race car driving, etc., also affect your Florida Life Insurance and Florida Health Insurance rates. For those that take part in lifestyle and hobbies that are considered risky for the average citizen, they may have to pay higher insurance premiums.

The Insurance Policy

Lastly, a number of benefits included in the package, as well as the type and length of the insurance policy, will also determine the rate to be paid for the life or health insurance coverage. Long-term insurance policies often cost more, while permanent life insurance policies are the most expensive.

Other factors that affect Florida Life Insurance and Florida Health Insurance include marital status, family medical history, driving record, foreign travel, and purpose of insurance. Whatever the case may be, as your Florida Life Insurance or Florida Health Insurance provider to educate you on the most suitable insurance policy that will offer you the needed coverage.

Affordable Florida Life Insurance Coverage from Insurance Land

Are you shopping for the ideal Florida Life Insurance and Florida Health Insurance? Contact Insurance Land today to ensure you have the adequate coverage you need at an affordable rate. Let us shop the right Life Insurance Florida and Health Insurance Florida for you.

Simply fill out ONE form for your insurance needs and we can help you get the best coverage at the best price.

Get Ideal Insurance Coverage At An Ideal Price

Whether your lender is requiring full coverage on your financed vehicle or you simply need the state minimum to register your new wheels, you want to be certain that your choice of auto insurance in Florida is the best value for your hard earned dollars. Many drivers pay top dollar for hefty premiums only to be disappointed or risk overspending on unnecessary coverage. With careful consideration, you can drive confidently a Florida car insurance plan that suits your needs and your budget. 

Cover Your Assets

The first step in finding great auto insurance for Florida coverage is to fully understand what sort of insurance you really need. If your small used car is only worth a couple thousand dollars and you’re paying several hundred a month,  a full replacement after your car is totaled in a year might end up costing you more than just buying a new car right out of pocket. Contrarily, if you’ve settled for cut-rate low premiums on your high-end vehicle with pricey, difficult to replace parts, you may wind up paying exorbitant out of pocket expenses. Take into account the full value of all your assets to decide and be certain about how much decent car insurance for Florida coverage is really worth to you.     

Avoid the Obvious Mistakes

According to the Department of Motor Vehicles, these are the most common mistakes made by drivers when shopping for Florida auto insurance:

  • Hurried Shopping, Without Attention to Details
  • Purchasing Inadequate Coverage
  • Purchasing Excessive Coverage
  • Being Dishonest
  • Not Understanding the Policy
  • Not Understanding the Value of the Car
  • Not Updating Life Changes

The crucial step with procuring beneficial coverage is in taking the time to compare quotes and thoroughly comprehend the important details. Many people settle for the barest state minimum or overcompensate with every  available feature. Only when you are certain of what type of Florida car insurance you need and what cost it is worth are you able to begin serious quote comparisons. Be totally frank and honest when applying for an insurance quote. Insurance fraud will be entirely more costly than any premium. 

Compare Levels of Auto Insurance for Florida

Once you have found the company offering your ideal rate, do not be afraid to check through different levels of coverage. Often times, for only a slightly higher premium you can receive noticeably larger coverage. The trick here is simply to take those extra few moments to really appreciate the details. A little time can spare a lot of money.                          

Ask for the Discount … Again

Most major providers for auto insurance in Florida offer a multitude of discounts. If your driving record has been stable, if your credit score has improved a little, if you have moved to a safer neighborhood or added another driver, you may qualify for a discount. Many companies will gladly issue you a discount just for being a consistent customer over a long enough period. Ask for a discount, then call back a few months later and ask again. You may be surprised.

The Best Car Insurance Orlando Has to Offer

The benefit of an independent agent assisting you while shopping for Orlando car insurance is having a professional to clearly and plainly explain the technical details of multiple policies in a concise setting. You rarely walk into a store and grab the first item you see without so much as a second thought. Florida auto insurance is no different. Take a little extra time to know what you are getting and what it is worth, and you will drive more confidently with a happier wallet.

Insurance prices to drop – emergency assessment terminated

Insurance prices to drop after emergency assessment terminated

Policies in Florida will decline by 1.3 percent after state regulators terminated an emergency assessment. Catastrophe Fund has nearly $13 billion available to pay future claims. READ MORE HERE

New Car Seat Belt Requirement Age In Florida

Florida Car Seat Law Change | Insurance LandThe child car seat belt law has changed in Florida due to a new law passed by Florida Governor Scott. No more strapping your 5 year old children in with normal adult seat belts. CLICK HERE to read more.

Florida ‘Hurricane Tax’ Being Retired

Hurricane

The Florida Cabinet voted this week to end the assessment, a 1.3 percent surcharge on policyholders, that was initiated in 2008 and had been expected to continue until 2016. State law requires an assessment whenever the Florida Hurricane Catastrophe Fund (FHCF) does not have enough cash to pay insurers for the losses they incur. The surcharge, called the “hurricane tax” by some, is used to fund revenue bonds to pay the losses. READ MORE HERE

Florida Insurance Agency
Name:


Type of Insurance: