J.P. Gonzalez-Sirgo
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Founder of J.P. Gonzalez-Sirgo, P.A.

Certain milestones in life can increase the need for life insurance in Florida.  According to an article posted on Sun-Sentinel.com, some of these life changes include having a baby, getting married, sending children to college and retirement. 

Life insurance is meant to offer financial support for the people left behind after a loved one passes away.  Industry experts have stated that the rates for term life insurance are at current lows.  However, cost of life insurance shouldn't be the only determining factor when choosing a policy.  

Some of the most sought after types of life insurance coverage include term life insurance and permanent insurance.  Term life insurance is less expensive, and for many people, more attractive in this slow economy when budgets are already tight.  People who have term life insurance pay a premium and their beneficiaries receive the benefits upon death.  Permanent insurance is higher in cost, but includes an investment feature, such as whole life, variable life and universal life. 

Insurers are known for committing bad faith tactics to avoid paying claims, so it is important to always check out a company before signing up for a policy.  Consumers can learn more about an insurance company's reputation by contacting the Better Business Bureau, Florida Office of Insurance Regulation or A.M. Best, the credit rating organization.

You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].

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