Life Insurance for Diabetics and Other Hard-to-Insure Individuals
Annuities
Your Family Bank
IRA Conversions
Individual and Family Health Insurance (Affordable Care Act)
Health Plans for Medicare Beneficiaries
Dental and Vision Care Coverage
Supplemental Health Insurance
Prescription-Only Drug Plans
International Travel Medical Plans
Prepaid Legal and Identity Theft Plans
About our Principal, Paul Cholak
Paul holds resident (Florida) and non-resident life, health and annuity licenses in 29 other states. He offers all types of life insurance and most types of annuities with many different carriers. He also offers short- and long-term disability insurance; long-term care insurance; a long-term care discount program; and, where available, short term (recovery care) insurance.
His very unique Your Family Bank program is available to eliminate debt, including the mortgage, in nine years or less without increasing your monthly cash outlays and also to save for retirement.
He represents many different life and final expense carriers and operates the Diabetic Life Insurance Center, which offers life insurance to diabetics and other hard-to-insure individuals.
He also offers Prepaid Legal Expense and Identity Theft Plans.
He has many years of insurance experience and has been Director of Employee Benefits for large companies, as well as a benefits consultant with major consulting firms.
He's available 24/7 and stays in touch with his customers before and after they've made their insurance purchase. He's always available to help customers who have any questions about their policies.
Human Life Value Calculator
The Human Life Value Calculator helps you assess the financial loss your family would incur if you were to die today. The calculator provides only a rough estimate of your human life value, which can factor into how much insurance you need.
After calculating a typical lifetime income based on your specific circumstances, you'll see a final number that gives an approximate measure of your net contribution to your family-your human life value. This should not be considered a comprehensive assessment, as it only takes generalities into account. Still, given the limited information you're providing, we believe it is the best estimate available.
Calculate Your Needs
Like most people, you probably don't take the time to routinely evaluate your life insurance needs.
You may want to start, though, because these needs change as circumstances in your life change. It's a good idea to re-examine your coverage options every few years, and certainly when life changes occur.
TheLife Insurance Needs Calculatoris a great resource for seeing how changes in your life-like having a child, taking on a bigger mortgage, or getting a raise-might impact your life insurance needs. Once you have a general sense of your needs, you should consider contacting us at 877-734-3884 to conduct a more thorough analysis and help tailor a plan that meets your specific financial objectives.
The Road to Retirement
What does your road to retirement look like? What about a route that includes life insurance? Sound strange?
