They have your commerical insurance needs covered!

Ormond By the Sea Business Insurance Agents with MetroSurance offers several coverage options for your business
* Business Owners Policies (BOPs)
* Commercial Property
* Commercial Liability

Rest easy knowing your Ormond Beach Area business is protected with our trusted MetroSurance Agent!

We know that businesses like yours have unique and specific insurance needs, which is why we provide everything you are looking for in an insurance company – low rates, excellent service, financial stability, and customized coverage.

Here are just a few of the business categories we cover:

Apartment Owners
Commercial Building Owners -Industrial, Retail and Office
Metalworkers
Mini Storage
Office Risks
Print & Graphic Design Businesses
Retail & Service Businesses
Restaurants
Warehouses
Customized Protection

Ormond By the Sea Business Insurance Agents with MetroSurance offers a wide range of business insurance coverage options, all designed to protect you, your business and your business property at a price you can afford. Our most common policy coverage includes:

Liability
Medical
Business Income
Excess Coverage

http://www.metrosurance.com/ 
(888) 683-1159

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

MetroSurance has your life insurance needs covered!

Ormond Beach Business Insurance Agents with MetroSurance offer several coverage options for your life insurance needs.

But allow us to answer this popular question...
How do term and cash value life insurance work?

Term life insurance generally offers the most amount of coverage for the least amount of money, and is the appropriate choice for most people. The most common reason to buy life insurance is to replace a person's income in case of early death, and term life insurance is the cheapest and best way to do that. Term life insurance is also an especially good choice for people and families who are just starting out, because it's relatively cheap and provides a lot of protection when replacing income is most important.

Cash value life insurance, also called permanent or whole life insurance, offers protection for your entire life (as long as you pay your premiums) and more flexibility than term life insurance. However, it usually comes at a much higher price. For example, the premium for a cash value policy can easily be 10 or more times higher than a term policy with the same level of coverage. The feature that makes permanent life insurance different is its ability to gain cash value. A portion of the money you pay into your premium goes into a cash value portion that grows over time, and becomes available for your use after a certain period.

Making the choice

Most financial planning experts recommend term life insurance in almost all circumstances. You could potentially benefit from a cash value life insurance policy, but it's very likely that you'll overpay for what you get in return. You can receive almost all the retirement and investment benefits of permanent life insurance through traditional means, such as a 401(k) account, IRAs, bonds, etc. Even if you can afford the premiums for cash value insurance, you're probably better off buying the same amount of term life insurance and investing the difference.

If you're still unsure, remember that many term life insurance policies offer a conversion feature. This option will allow you to change the term life policy to a permanent life policy, either during a set period or at any point in the term. Some policies even allow you to credit some of the term premiums you've already paid toward your permanent life insurance policy.

Rest easy knowing your Ormond Beach Area Life Insurance Needs can be acheived with our trusted MetroSurance Agents!

So call us today!
(407)5748040
http://www.metrosurance.com/

MetroSurance - Helping you protect you Business

Ormond Beach Business Insurance Agents with MetroSurance offers several coverage options for your business
* Business Owners Policies (BOPs)
* Commercial Property
* Commercial Liability

Rest easy knowing your Ormond Beach Area business is protected with our trusted MetroSurance Agent!

We know that businesses like yours have unique and specific insurance needs, which is why we provide everything you are looking for in an insurance company – low rates, excellent service, financial stability, and customized coverage.

Here are just a few of the business categories we cover:

Apartment Owners
Commercial Building Owners -Industrial, Retail and Office
Metalworkers
Mini Storage
Office Risks
Print & Graphic Design Businesses
Retail & Service Businesses
Restaurants
Warehouses
Customized Protection

Ormond Beach Business Insurance Agents with MetroSurance offers a wide range of business insurance coverage options, all designed to protect you, your business and your business property at a price you can afford. Our most common policy coverage includes:

Liability
Medical
Business Income
Excess Coverage

So call us today!
(407)5748040
http://www.metrosurance.com/

Need Insurance? Call MetroSurance Today!

MetroSurance Insurance is dedicated to protecting Ormond Beach drivers by offering affordable insurance that fits your needs. There's no reason to sacrifice quality for price when you choose the right Ormond Beach Auto Insurance because we get you some of the best rates in Florida. Our Local Ormond Beach Auto Insurance agents are available, so you can be certain your needs are met by customizing a policy and rate that's right for you.

Ormond Beach Auto Insurance Products
+ Car Insurance
+ Business Auto Insurance

Whether you're in Ormond Beach or in the Ormond Beach Area, there's an auto insurance policy that's right for you. MetroSurance's wide range of coverage options and helpful agents are here to protect you, your car, your passengers, and any other drivers and their vehicles on the road. Our most common policies include:

Liability
Collision
Comprehensive
Medical
Personal Injury Protection (PIP)
Uninsured/Underinsured

So what are you waiting for - call your local Ormond Beach Auto Insurance MetroSurance Agent Today.
(407)5748040
http://www.metrosurance.com/