Reader’s Question: My health insurance company retroactively cancelled my health coverage. I would like to know if this is legal or not in Miami? Mary Miami, FL   Thanks for finding out, Mary. It would help for you to be reminded that health insurance coverage in Miami is not an absolute guaranteed of protection from [...]

Reader’s Question: I work as an aircraft maintenance crew. Although I am not always on a flight, my occupation is classified dangerous which disqualified my life insurance application. I am planning to re-apply, this time with another life insurance company in Miami FL. Should I conceal my occupation? I teach as a second job and [...]

Reader’s Question: My insurance agent here in Miami FL told me that term life insurance policy is the cheapest insurance policy in the market. Is it true? If so, why? What are the disadvantages and advantages? Cindy Miami, FL   Thank you for asking Cindy. Yes, term life insurance is the cheapest life insurance policy [...]

Reader’s Question: I am about to purchase a life insurance policy in Miami FL. What happens to my life insurance policy if I become disabled? Should I get coverage for my spouse and children too? Mike Miami, FL Most life insurance policies include an optional rider that provides a “waiver of premium” for total disability. [...]