Reader’s question: I am frustrated every time I ask insurance quotes from online insurance companies in Miami, FL. When I try to find cheap term life insurance, I don’t get the rate from my first pick that’s why I retract from my application. How can I get cheap term life insurance in Miami, if there [...]

Reader’s Question: I just want to ask, where else can I possibly get life insurance through group life insurance? I heard that its usually a privilege and its premium price is lesser than individual insurnace in Miami Florida, FL. But my employer hasn’t given us that benefit yet. Nora Miami FL Hi Nora, Well if [...]

Reader’s Question: I often wonder why life insurance is expensive, especially the whole life insurance? Is there any cheaper life insurance in Miami Florida, Florida FL? Dunken Miami, FL Hello Dunken Yes, you’re right; whole life insurance is quite expensive. Perhaps most of the life insurance agents in Miami FL who approached you offer whole [...]

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. [...]