Life Insurance

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance…
the list and combinations seem endless. Do you know which life insurance policy type is right for you? At Strong Tower Insurance we can help. Our dedicated team of life insurance professionals understands Florida’s market and regulations and can find the right plan – or mixture of plans – for your specific needs.

Term Life Insurance Basics:

  • Coverage for a “term” or period of your life.
  • Lower premiums for higher coverage.
  • Rates can change after specific terms expire.
  • No equity – cannot be used as cash value.

Whole Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period.
  • Protection carries with you your whole life.
  • Can build equity and have cash value.
  • Higher premiums than term life, but can be more valuable in the long run.

Term and Whole Life Combined:

  • Build lifelong base of whole live coverage.
  • Supplement specific times of your life with term insurance.

When to choose term life?

Most people choosing term life have a strategy for long term net worth. They need specific coverage for a period of their lives to protect debt, loved ones, and children. For a homeowner with children it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life?

Whole life can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life policies will pay dividends – although not always.

With so many options many people find themselves overwhelmed when they receive life insurance quotes. Let one of our life insurance professionals put together the right life insurance quote for you. Contact Strong Tower Insurance today for more information and get a free Florida life insurance quote!

Specialized Coverage For:

Religious Institutions

Insurance for Churches and Religious Institutions

Strong Tower Insurance proudly offers comprehensive solutions for Florida Church Insurance and Insurance for Religious Institutions. Call 800-329-0093 or click for more details.

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Mission Trip Coverage

Insurance Coverage for Mission Trips

Taking part in a mission trip is a generous and noble act. You are reaching out to people in need with the intention of improving a stranger’s life. Learn how mission trip insurance policies can protect you. Visit our page to learn more.

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Charter & Private Schools

Insurance for Charter and Private Schools

Taking a one-size-fits-all approach is not necessarily a good idea when it comes to considering all possible areas where Private Schools may be vulnerable to litigation or claims. Click here to see how we can help.

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Pregnancy Centers

Insurance for Pregnancy Centers

As a pregnancy center, it is your job to help women receive the care and guidance they need in order to have a healthy birth plan. Learn why your pregnancy center must have the appropriate insurance coverage to protect your organiazation

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Nonprofit Organizations

Insurance for Nonprofit Organizations

Nonprofit organizations help our communities prosper and it is vital to obtain the appropriate insurance protection. Learn more by clicking our link.

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Daycare Centers

Insurance for Daycare Centers

Not all Day Care insurance policies are created equal. Call to speak with our specialist and we can design a plan around your needs.

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Coverage We Offer: