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Life Insurance and Annuities for Palm Bay and Melbourne Florida
taking care of you and your loved ones
Life insurance gives you the peace of mind you only get from knowing that you've protected your loved ones.
In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want.
Life insurance, annuities, long term care and disability income protection are all products you will rely on many years into the future. Stability is the most important factor to consider when entrusting your future with a life insurance company. We represent many A+ rated large insurors to accomodate your needs.
Life insurance gives you the peace of mind you only get from knowing that you've protected your loved ones.
In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want.
Life insurance, annuities, long term care and disability income protection are all products you will rely on many years into the future. Stability is the most important factor to consider when entrusting your future with a life insurance company. We represent many A+ rated large insurors to accomodate your needs.
Life, Disability and Long Term Care Coverage Options
Life Insurance
One of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.
Annuities
Deferred Annuities offer a distinct advantage over typical saving programs. They can offer you an income stream you cannot outlive in retirement, and interest earnings accumulate tax deferred. Auto-Owners can help you provide for your retirement needs with a deferred annuity program backed by a Safe. Sound. Secure investment portfolio.
Long Term Care
Long Term Care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home.
Disability Insurance
People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums and entertainment. Their ability to earn an income is their most valuable asset. If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future, such as Medicare and Medicaid provide limited protection.
Life Insurance
One of life's rewards for working hard and saving for a rainy day is achieving financial security. One of life's realities, however, is the possibility of premature death, leaving financial responsibilities for the loved ones left behind.
Annuities
Deferred Annuities offer a distinct advantage over typical saving programs. They can offer you an income stream you cannot outlive in retirement, and interest earnings accumulate tax deferred. Auto-Owners can help you provide for your retirement needs with a deferred annuity program backed by a Safe. Sound. Secure investment portfolio.
Long Term Care
Long Term Care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility, or a nursing home.
Disability Insurance
People work hard to afford what they enjoy in life and to pay their continuing expenses such as food, clothing, shelter, utilities, insurance premiums and entertainment. Their ability to earn an income is their most valuable asset. If that ability is interrupted because of an accident or sickness, they may find it difficult to maintain their standard of living and impossible to plan for the future, such as Medicare and Medicaid provide limited protection.
What Types of Life Insurance Are Available?
Permanent Insurance is designed to provide life-long coverage with benefits and features usually not available with term life insurance policies. Cash value is available for emergencies, family members can be included and coverage premium payments generally remain level. The following permanent programs are available.
Universal Life Insurance
Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Term and Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs.
Whole Life Insurance
Provides level death benefit protection with level premiums and guaranteed cash values. Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.
Simplified Issue Whole Life
This plan offers guaranteed premiums, death benefit protection and cash values to age 110 for insureds age 50-80. Provides coverage for final expenses, such as medical and hospital expenses, outstanding debts and funeral costs. Easy-to-complete short form application with minimal underwriting requirements.
Term Insurance
Provides coverage for a specified period of time such as 10, 20 or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value. These programs provide level death benefits for either 10, 20 or 30 years. They can include a guaranteed premium and renewal benefit at the policyholder's option.
Permanent Insurance is designed to provide life-long coverage with benefits and features usually not available with term life insurance policies. Cash value is available for emergencies, family members can be included and coverage premium payments generally remain level. The following permanent programs are available.
Universal Life Insurance
Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits. Term and Universal Life programs can be custom designed to fit individual protection needs, financial security needs and supplement retirement needs.
Whole Life Insurance
Provides level death benefit protection with level premiums and guaranteed cash values. Whole Life insurance can provide needed cash value for emergency family needs and can help supplement future retirement income.
Simplified Issue Whole Life
This plan offers guaranteed premiums, death benefit protection and cash values to age 110 for insureds age 50-80. Provides coverage for final expenses, such as medical and hospital expenses, outstanding debts and funeral costs. Easy-to-complete short form application with minimal underwriting requirements.
Term Insurance
Provides coverage for a specified period of time such as 10, 20 or 30 years. It is designed to protect short-term needs such as debt obligations, mortgages or protection while children are young. Typically, term insurance does not provide cash value. These programs provide level death benefits for either 10, 20 or 30 years. They can include a guaranteed premium and renewal benefit at the policyholder's option.
All quotes are based on your submitted information and are good faith estimates only.
(Your personal information will only be used for an insurance quote by J.W. Edens & Company, Inc)
(Your personal information will only be used for an insurance quote by J.W. Edens & Company, Inc)
PLEASE NOTE THAT COMPLETION OF A REQUEST FOR INFORMATION DOES NOT CONSTITUTE THE PURCHASE OF INSURANCE. NO COVERAGE MAY BE ADDED, CHANGED OR BOUND AS A RESULT OF SUBMITTING A REQUEST FOR INFORMATION. ALL COVERAGE MUST BE CONFIRMED BY THE AGENCY IN WRITING SUBJECT TO AN ACCEPTABLE SIGNED APPLICATION MEETING THE UNDERWRITING GUIDELINES OF THE INSURANCE COMPANY.
J.W. Edens & Company, INC. IS LICENSED IN THE STATE OF FLORIDA. NO SOLICITATION OF INSURANCE IS BEING MADE OUTSIDE OF THIS STATE.
J.W. Edens & Company, INC. IS LICENSED IN THE STATE OF FLORIDA. NO SOLICITATION OF INSURANCE IS BEING MADE OUTSIDE OF THIS STATE.
