305-456-7783Services
Below you will find a full list of all the various services we provide. Simply click on your catagory of interest and click the service you may be interested in. Be sure to scroll down to see all that we offer.
Whole Life
The simplest type of permanent life insurance coverage is whole life. With this type of coverage, the premium amount is locked in and will remain the same throughout the entire lifetime of the policy. In addition, these policies build cash value.
Learn MoreIndexed Universal Life
An indexed universal life insurance policy gives the policy holder the opportunity to allocate cash value amounts to either a fixed account or an equity index account. Indexed policies offer a variety of popular indexes to choose from, such as the S&P 500 and the Nasdaq 100. Varies based on market conditions.
Learn MoreFinal Expense
Final expense life insurance coverage is often called burial insurance and is purchased by those who are considered “seniors,” or between the ages of 50 and 85.
Learn MoreTerm Life
A type of life insurance with a limited coverage period. Once that period or "term" is up, it is up to the policy owner to decide whether to renew or to let the coverage end. While no cash value builds, it is the most cost effective.
Learn MoreNo Medical Exam
If you or a loved one have adverse medical conditions and still want options for life insurance, no medical exam life insurance coverage will not require that an applicant undergoes a medical examination as a part of the underwriting process.
Learn MoreSurvivorship
With a survivorship life insurance policy, there is more than one person that is covered. These policies can be set up in a couple of different ways. One way is first to die. With this type of policy, the coverage is designed to pay out when the first person passes away.
Learn MoreHO-1
A basic form homeowners policy is just that — basic. It will usually financially safeguard against common perils such as fire or smoke, Explosions, lightning,hail and windstorms, theft, vandalism, damage from vehicles, damage from aircraft, Riots and civil commotion, and even volcanic eruption.
Learn MoreHO-2
A broad form policy is a more common type of homeowners coverage. It covers all the perils in an HO-1 policy, plus Falling objects, Weight of ice, snow, or sleet, Freezing of household systems like AC or heating, Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems, Accidental discharge or overflow of water or steam, Sudden and accidental damage from artificially generated electrical current.
Learn MoreHO-3
The HO-3, or "special form," policy is the most common type of homeowners insurance, namely because of its broad range of coverage and general affordability. It covers all the perils mentioned in the HO-2, or "broad form," policy — but it also goes further than that.
Learn MoreHO-4
This policy type is specifically for renters, since it covers only belongings and personal liability — not the building structure, which the landlord buys insurance for. Belongings are typically covered against the same perils as an HO-2 broad form homeowners insurance policy.
Learn MoreHO-5
A comprehensive form policy is comprehensive, indeed, in that it often covers more perils than other types of policies. Just like a HO-3 form, a HO-5 is an open-peril policy form that can financially safeguard you against all perils unless your policy specifically excludes them in writing.
Learn MoreHO-6
This type of policy is designed specifically for condo owners and financially protects belongings and personal liability. An HO-6 policy, also known as condo insurance, also typically extends to the walls, floors, and ceiling of the unit too.
Learn MoreHealth Insurance Marketplace
A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at HealthCare.gov, for most states. Some states run their own Marketplaces.
Learn MoreHealth Maintenance Organization (HMO)
HMOs are one of the most popular types of health insurance you can purchase. With this plan, an entire network of health care providers agrees to offer you its services. You have to select a primary care provider (PCP) who coordinates all of your health services and care.
Learn MorePreferred Provider Organization (PPO)
Under a PPO plan, both you and your family can see any health care provider in the insurance company’s network, including specialists, without a referral. In most cases, you are not required to choose a primary care physician or to get referrals to see specialists. You will typically have copayments for any non-preventive medical care you receive, and you may have an annual deductible.
Learn MoreExclusive Provider Organization (EPO)
With an EPO plan, you have access to all of the health care providers within the EPO network, including specialists.
Learn MoreDental and Vision
To get coverage for dental exams, x-rays, cleanings, and fillings, you’ll need to choose a dental plan. Dental plans may also cover more specialized services such as orthodontia, periodontal treatments, veneers, bonding, dentures, and others. For coverage for vision exams, eyeglass frames and corrective lenses, contact lenses, and other eye-related care, you’ll need to consider adding a vision plan. Keep in mind that a vision plan can be more critical as you or your family member’s age, even if you’ve never needed vision correction previously.
Learn MoreGap Insurance
Gap insurance plans are designed to provide an emergency safety net for unexpected medical costs, or other costs you may face in case of a medical emergency. Policies include Critical Illness, Accident,and Fixed-benefit indemnity.
Learn MorePersonal Injury Protection (PIP)
PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services. Many states require drivers to carry a minimum level of PIP coverage.
Learn MoreComprehensive and Collision Coverage
If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car. Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft. If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.
Learn MoreUninsured Motorist Coverage
These days, some drivers choose to drive uninsured and about 30% of drivers don’t have enough insurance to cover all potential costs for damages. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
Learn MoreLiability Coverage
Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license.If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.
Learn MoreMedical Payments
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
Learn MoreIndividual Income Tax Return
Form 1040 is the standard Federal income tax form used to report an individual’s gross income (e.g., money, goods, property, and services).IRS Form 1040 allows taxpayers to claim numerous expenses and tax credits, itemize deductions, and adjust income. Filed correctly, and you can maximize your refund.
Learn MoreAcknowledgments
The purpose of an acknowledgment is to ensure that the signer of a document is who he or she claims to be and has voluntarily signed the document. Acknowledgments often are needed for documents concerning valuable assets, such as deeds, mortgages, deeds of trust, and powers of attorney.
Learn MoreJurats, Verifications And Affidavits
For jurats, verifications and affidavits, the signer must appear in person before you and sign the document in your presence. You must then administer an oath or affirmation and have the signer speak aloud his or her promise that the statements in the document are true. The choice between an oath or affirmation should be made by the signer.
Learn MoreOaths/Affirmations
In some cases, you may simply need a notary to administer an oath or affirmation orally, rather than as part of a jurat, verification, affidavit or other written document. The purpose of administering a verbal oath or affirmation is, again, to compel a client to truthfulness.
Learn MoreCopy Certification
A copy certification confirms that a reproduction of an original document is a “full, true, and accurate transcription or reproduction” of the original.
Learn MoreSignature Witnessing
A number of states authorize Notaries to perform a signature witnessing. With this notarial act, we can certify that the individual appearing before us is who he or she claims to be, and the signature on the record is the signature of the individual.
Learn More