Life Insurance Needs Covered!

Daytona By the Sea Business Insurance Agents with MetroSurance offers several coverage options for your life insurance needs.

Life Insurance

There are many types of life insurance available to individuals and businesses. However, the various life insurance products can be classified as one of two types: term insurance and permanent insurance.

Term Insurance is designed to meet an insured’s temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if the named insured passes during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

The specific type of life insurance which is appropriate for you depends upon your unique circumstances and financial goals.

The best way to figure out the amount and type of life insurance that makes sense for your particular situation is to schedule a meeting with one of our qualified life insurance professionals.

An annuity is an insurance product which, in exchange for a sum of money, guarantees that the issuer will make a series of payments at some future date. These payments can be either level or increasing periodic payments for a fixed number of years or until the end of life. The main feature of an annuity is that it is a vehicle for distributing savings with a tax-deferred growth factor. The two general types of annuities are immediate and deferred annuities.

Unlike in the past, when life annuities were the main type of contract, today there are a multitude of different types of annuities. There are far too many types to list them all here, but some of the main types are:

- Fixed Annuities

- Variable Annuities

- Indexed Annuities

- Immediate Annuities

Please call us at 386-310-1551 or e-mail us at info@metrosurance.com for a free quote

a Man With a Plan!

We understand that Daytona Beach condo owners have needs different from those of renters and homeowners, which is why we offer Daytona Beach Condo insurance options just for you. Take a look at some of the coverages we offer and then talk to one our friendly, knowledgeable agents. You’ll get a plan built especially for you and you’ll like the price, too.

Personal Property: Provides coverage for your household items in the event of fire, theft or other covered loss. Did you know that most condo association policies don’t provide coverage for your personal belongings?

Additional Personal Property: Provides additional coverage for antiques, fine art, jewelry and other valuables.

Improvements: Provides coverage for fixtures and improvements, such as cabinets, flooring and lighting, as well as other free standing structures that may not be covered by your condo association’s policy.

Loss Assessment: Provides additional coverage in the event your condo association levies an assessment on each condo owner to make common area repairs for a covered loss.

Additional Living Expenses: Provides coverage for living expenses if your condo becomes uninhabitable as a result of a covered loss.

Personal Liability Protection: Pays for bodily injury or property damage caused to others as a result of a covered incident.

Guest Medical Protection: Pays medical expenses for your guests who are accidentally injured on your property.

Workers’ Comp Coverage: Pays medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.

Condos Rented to Others: Provides liability and contents coverage on your condo when you rent it to others.

 Let MetroSurance to help you today! 
http://www.metrosurance.com/
(888) 683-1159

Is Home Insurance on your Mind?

When you choose Daytona Beach Home Insurance with MetroSurance - you’re also getting your own dedicated home insurance agent! We will work with you to create a custom plan insurance just for you and your Daytona Beach Home.

Here are a few Daytona Beach Home Insurance Options that we offer.

Dwelling Protection: Covers damage to your home due to fire, lightening, smoke, storm damage or other similar perils.

Personal Property:Provides coverage for your household items in the event of a fire, theft or other covered loss.

Extended Replacement Cost: Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.

Additional Living Expenses: Provides coverage for living expenses if your home becomes uninhabitable as a result of a covered loss.

Personal Liability Protection: Pays for bodily injury or property damage caused to others as a result of a covered incident.

Guest Medical Protection: Pays medical expenses for your guests who are accidentally injured on your property.

Identity Theft Protection: Pays for expenses you incur as a result of criminal identity theft.

Additional personal property coverage, which pays for valuables, such as antiques, fine art and jewelry.

So what are you wanting for? Call your Daytona Beach Home Insurance Agent Today!

http://www.metrosurance.com/ | (386) 310-1551