Florida Health, Life And Annuities Insurance Questions

What is a 401k Rollover?

A 401k rollover is the term typically used when an individual who has a 401k plan wishes to "rollover" their retirement plan into a new IRA (Individual Retirement Account). This process is most commonly referred to as a "401k rollover" or an "IRA rollover", and...

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Should I buy long-term care insurance?

If you need long-term care services and have to pay to obtain them, what financial resources could you call on? Do you have enough to pay for four or more years in a nursing home, an assisted living facility, or home health care?If youre over 65, dont rely on Medicare or private health insurance...

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Whats the best age to buy long-term care insurance?

In general, its a good idea to buy long-term care insurance before youre 60, for two reasons:1.The younger you are, the less likely it is that youll be rejected when you apply for the policy. If you apply in your 50s, theres a one in ten chance youll be rejected. If you apply in your 60s, the...

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I am worried about estate taxes, will second to die policy help??

If you own a wealthy estate and are looking into purchasing life insurance, but worry about the estate taxes being too high for your family to take care of when you die, there is hope out there. A second to die life insurance policy, also known as survivorship life, can help.Thats because second...

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Can I insure the life of a key employee?

The loss of a key person can be a major blow to a small business if that person is the key contact for customers and suppliers and the management of the business. Loss of the key person may also make the running of the business less efficient and result in a loss of capital.Losses caused by the...

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What are the different types of annuities?

FIXED V.S. VARIABLE ANNUITIESIn a fixed annuity, the insurance company guarantees the principal and a minimum rate of interest. In other words, as long as the insurance company is financially sound, the money you have in a fixed annuity will grow and will not drop in value. The growth of the...

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Why should I consider purchasing an annuity?

Annuities can serve many useful purposes. If you are in a saving-money stage of life, a deferred annuity can:Help you meet your retirement income goals. Employer-sponsored plans such as a 401(k), 403(b) or Keogh are an important part of planning for retirement. However, contributions to...

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How should I go about buying a life insurance policy?

If you know of a trusted insurance representative, you could start by reviewing your life insurance needs and existing coverage with that agent. Otherwise you might want to find an agent or insurance broker to work with you.It is in your own best interests to review and compare various offerings...

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What is Life Insurance?

Life insurance is a contract, often called a policy, between you and an insurance company to provide money to a person you designate, in the event that you die during the time the contract is in force. In essence, during your lifetime you pay money, known as the insurance premium, to the...

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Do I need life insurance?

If you can afford it, there are several reasons why you may need life insurance. The most important reason is to have enough money to provide for dependents such as young children, non-working spouses or elderly parents, should you die and be no longer able to provide for them. Also, your...

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Do I qualify for AFLAC?

Mostly everyone qualifies for some of our plans.You must be 18 years old to purchase a policy for yourself. Most AFLAC policies let you sign up until you are 64 years old.

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How does a health insurance policy or health plan protect me?

A health insurance plan or a health service plan protects an insured or member by promising to either pay for medical care or provide medical care. In the case of a health insurance policy traditional insurance provided that it would pay for any reasonable, medically necessary care required to...

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What is a health insurance policy?

A health insurance policy is a binding contract issued by an insurance company to an individual or group which promises to pay for health care reasonably required by the insured or policy holder or certificate holder to treat illness or injury. If the insurance policy is issued to an individual...

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What is AFLAC? AFLAC is supplemental health insurance.

AFLAC a supplemental Insurance that pays benefits to the policy holder in the event of a covered accident or illness. It is NOT like major medical where the benefits are paid to doctors and hospitals.Aflac The basicsAflac is different from health insurance; its insurance for daily living. Major...

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What is Cancer insurance from AFLAC?

Nobody wants to think they will ever be diagnosed with cancer. The reality is that 3 in 5 adults will someday be diagnosed with some type of cancer. AFLACs cancer plan pays directly to you thousands of dollars so you can concentrate on getting healthy and not have to stress out about...

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F.A.Q - Questions And Answers about Florida Insurance


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