Ocean Breeze Protecting The Future
Protecting Futures
In our insurance experience, we are helping clients prepare for the unknown. Ask us about Term, AD&D, Whole Life, Universal, and many more! We can access any insurance product so you can get the right one for you.
Assessing Need
Many financial experts will tell you some unforeseen events, the lack of the right kind of insurance can spell trouble quickly. Call us today, and we’ll analyze your insurance needs and get you covered quickly at the right price.
Building Relationships
Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect all of your assets.
Special Products
Different Riders to Inquire about:
JR Estate Builder/Family Plan
Credit Life
Return Of Premium Riders
Critical Illness Plans
Guaranteed Insurability Riders
Unemployment Protection Rider
Conversion Riders
Long Term Care Rider
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
What is Term Insurance?
Term Life-is the simplest and most common type of life insurance plan. Term Life provides Life Insurance for a specified period known as the term, terms range from 10-30 years. They tend to be the most affordable and offer many options of length and type.
What is Final Expense Insurance?
Final Expense Insurance is also known as Peace of Mind coverage. You should always feel secure knowing that there will be money for outstanding debts and loans such as children’s education, federal and state taxes, legal fees and final burial expenses. There is no medical exam, just a simple application.
What is Whole Life Insurance?
Life insurance pays a benefit on the death of the insured and also accumulates a cash value. Whole life insurance lasts your entire life, the premiums stay consistent over time, and in addition offer a guaranteed, tax-deferred cash value with a fixed rate of interest.
Business Buy/Sell Agreements
BUILDING THE PRESENT, PROTECTING THE FUTURE
A BUY/SELL AGREEMENT IS A NECESSARY TOOL for any business. A buy-sell agreement is a legally binding contract among the owners of the business and the entity stipulating how an owner’s share of a business may be reassigned if that owner dies. The buy-sell agreement usually provides for the purchase and sale of ownership interests in the business at a price determined in accordance with the agreement, upon the occurrence of death, disability, or an attempted transfer to an outsider.
- BUY/SELL PLANS
- KEY PERSON INSURANCE
- SPLIT DOLLAR PLANS
- DEFERRED COMPENSATION PLANS
- SALARIED CONTINUATION PLANS
