Agency Height
Agent Login
Banner of Maria Patton
Image of Maria Patton

Maria Patton

Maria Patton
|
3 years
of exp.

Insurance agent in Florida

About

Life insurance is one of those things that just about everyone needs but far too few people actually have. It’s easy to put off purchasing a policy when you’re young and relatively healthy. But the longer you wait, the greater the chances of something happening before you get yourself coverage. Maybe buying life insurance been on your to-do list for a while but you haven’t gotten around to it yet. Check out these 10 reasons why you can’t afford to wait any longer.1. Replace Lost Income - Life insurance works to provide financial security to your loved ones after you pass away. You have to consider what would happen if you were to die suddenly. This is especially true if your loved ones rely solely on your income. Get yourself adequate coverage. That way, you won’t leave your loved ones helpless when the monthly bills come around.2. Cover Burial Expenses - Sadly, even a basic funeral service can run upwards of several thousand dollars. While it’s possible to pre-pay for your funeral, people don’t often think that far ahead. Pre-payment can ensure everything is in place for your loved ones after you die. However, there are risks to pre-payment. Life insurance can give you and your beneficiaries more of a guarantee, lifting a burden off of them as well as yourself.3. Pay Off Debt - Just because you die doesn’t necessarily mean your debts will disappear. In the instance that you and your spouse have co-signed for a mortgage or other loans, your spouse may become entirely responsible for repayment. The other outcome could result in creditors trying to collect from your estate. While that gets rid of your debts, your heirs will receive the depleted remainder. Life insurance allows those you leave behind to take care of any lingering financial responsibilities.4. College Planning - There are a number of ways to save money for your child’s education. You may not have thought that a life insurance policy would be a viable option. But insurance payouts can actually provide a good supplement your savings. If your child ends up borrowing money to get through school, the insurance proceeds could also help wipe out pesky student loans.5. Build Cash Value -Term life insurance, a type of life insurance, stays in place for a set period of time. But another option, whole life insurance, provides permanent coverage that only ends if you cancel the policy. Whole life insurance allows you to build up cash value over time, an attractive prospect to any people. That cash value acts as an extra cushion that you can tap at any time. This may come in handy if you have a financial emergency down the road.6. Diversify Investments - Some people also use life insurance as an investment tool with universal life policies. These policies are tied to a specific investment product. Then policyholders receive dividend payments based on the product’s performance. Before you dive into this type of insurance, you’ll want to read the fine print. That way you’ll know the potential risks and returns before you commit.7. Business Planning - If you own a business, it’s vital that you have life insurance. This covers your obligations so your hard work doesn’t go to waste. Are you involved in a partnership with someone else? You should both have coverage. That way, if one of you dies, the other isn’t left holding the heavy financial bag.8. Estate Taxes - When someone passes away, their heirs often face estate and inheritance taxes on any assets they receive. If you’re worried about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these added costs.9. Coverage is Affordable - One of the excuses people tend to make for not buying life insurance is the cost. But truthfully, coverage often ends up pretty affordable for most people. Term life tends to be less expensive than whole or universal life.

Services

Personal Insurance

Personal Auto
Homeowners
Condo
Vacant Home
Dwelling Fire
Personal and Premises Liability
Mobile Homeowners
Renters
Motorcycle & ATV
Personal Boat
Yacht
Recreational Vehicles
Travel Trailer
Motorhome

Life Insurance

Term Life
Whole Life
Universal Life
Variable Life
Burial and Funeral
Survivorship
Mortgage
Credit
Supplemental

Location

Miami, FL 33172

Business hours

MONDAY
09:00 AM -  06:00 PM
TUESDAY
09:00 AM -  06:00 PM
WEDNESDAY
09:00 AM -  06:00 PM
THURSDAY
09:00 AM -  06:00 PM
FRIDAY
09:00 AM -  06:00 PM
After hours calls accepted
Urgent request accepted

Reviews

N/A

no reviews yet

Frequently asked questions

What we offer

Online Services
Free Consultation
Mobile Application
24/7 Support Lines

Contact Details

Online presence