Life Insurance in Miami, FL
Life insurance can provide your loved ones with financial support in case you pass away. At Miami International Insurance Agency, we’re here to help you find the policy that aligns with your budget and coverage needs.
What Does It Cover? 
A standard life insurance policy covers the insured person’s life. If the insured dies while the policy is still active, the beneficiaries can file a claim for a death benefit. This can be used to cover existing loans, living expenses, tuition fees and others.
There are two main types of life insurance, with various subtypes. Term life insurance can insure you for 10 to 30 years, while permanent life insurance can provide lifelong coverage and a savings component on top of your death benefit.
What Are Riders?
Riders are optional coverage that you can purchase to enhance your policy. Common riders include:
- A critical illness rider can allow you access to your death benefit if you are diagnosed with a critical illness.
- A guaranteed insurability rider can add more coverage without the need for a medical exam.
- A long-term care rider can provide coverage for long-term care expenses.
- A premium waiver rider can waive your premium if you can no longer work after being diagnosed with a disability.
How Much Does Life Insurance Cost?
The cost of a policy can depend on various factors, including:
- Age
- Gender
- Occupation
- Lifestyle (e.g., hobbies, tobacco use, alcohol consumption)
- Medical record
- Driving history
Where Can I Purchase a Policy?
Contact Miami International Insurance Agency to request a personalized quote and explore your life insurance options.