Informed on Life Insurance





Paul Cholak - Principal
Licensed Insurance Agent


February 2018 - In This Issue:
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We Offer:
  • Life Insurance
  • Pre-Need Funeral Planning Arrangements
  • Final Expense Insurance
  • Life Insurance for Diabetics and Other Hard-to-Insure Individuals
  • Annuities
  • 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 31 other states. He also has a Pre-Need Sales Agent License in Florida. 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.

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 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.

He's a recipient of the prestigious Albert Nelson Marquis Lifetime Achievement Award and been listed in Who's Who in America, Who's Who Registry of Business Leaders and Who's Who in Finance and Industry. 

He's a member of Phi Beta Kappa and other national honorary societies and organizations such as Omicron Delta Kappa. He's a graduate of certificate programs from a number of prestigious institutions, been invited to speak at corporate  and university training programs, been featured in articles in national books and magazines, and is also a published author.  

Ten Important Questions About Life Insurance
Critical Illness-Term Life, Accident Fixed Benefits With Accidental Death Benefits and Other Supplemental Policies
We now offer Critical Illness-Term Life and Accident Fixed Benefits coverage as inexpensive add-ons to your insurance portfolio.
  • Critical Illness-Term Life - a plan that helps you reduce the financial impact of a critical illness on your family and your future. This coverage includes term life insurance if you pass away as a result of one of the listed critical illnesses, but benefits are also payable in the event of diagnosis that does not result in death.
  • Accident Fixed Benefits - a plan paying cash benefits to help pay for unexpected out-of-pocket costs associated with accidents. The plan also includes accidental death and dismemberment coverage if you pass away or are dismembered as defined in the policy within 90 days of an accident.
We also offer these additional inexpensive coverages that you can add to your insurance portfolio:
Premiums for all of these policies are considerably less expensive than those for what people commonly call "AFLAC" programs. Please call us at 877-734-3884 for quotes and an explanation how these policies (and other available supplementary plans) work.
Update On Pre-Need Insurance
We've previously mentioned in this newsletter that we offer Pre-Need Insurance. Application procedures for the pre-need insurance we previously announced have been streamlined and it is now much easier to apply for coverage.
In addition, we'll be announcing two new products next month that have different features and benefits. Look for the description of these two new programs in next month's newsletter.
Paul Cholak