Click to Call Schedule an Appointment
A. L. Saland Insurance Solutions, Inc

15135 Ogden Loop
Suite 201
Odessa, FL 33556

Get Directions

A. L. Saland Insurance Solutions, Inc Blog

Three ways you’ll benefit from carrying life insurance

Consumers should be aware of the many benefits they’ll enjoy when they carry life insurance in Florida. A. L. Saland Insurance Solutions Inc can provide you with life insurance that benefits you and your family. 

Here are three ways you’ll benefit from carrying life insurance:

Carrying life insurance makes it so that your dependents won’t be worried about living expenses in the future.

Probably the best benefit of having life insurance is that life insurance protects your dependents financially.

When you have life insurance, you know that your dependents will be provided for if you pass away and your income is no longer available to cover the living expenses of your dependents. 

Life insurance coverage can pay for the costs of your final burial expenses.

Consumers shouldn’t underestimate how expensive it can be to cover final expenses including a funeral and burial. Fortunately, life insurance can cover these expenses so that your loved ones don’t have to pay for them when you pass away. 

Your life insurance policy can add to the retirement savings that you have available. 

Life insurance policies don’t just benefit you financially by providing money to your dependents. Life insurance policies that include a savings component can also help you to save for retirement. 

Whole and universal life insurance are two types of insurance that involve a savings component. These policies will grow in value over time. You’ll be able to use the funds that have accumulated in these policies to make purchases in the future. 

We Are Here To Help!

You can contact us at  A. L. Saland Insurance Solutions Inc to learn more about how you’ll benefit from having life insurance. Florida consumers can call us today to get a quote on a life insurance policy. 

7 Factors that impact life insurance in Florida

A. L. Saland Insurance Solutions Inc. wants to take the guesswork out of life insurance.

Serving the state of Florida, our seasoned agents understand that underwriting and calculating insurance rates can be confusing to understand. 

Here are seven demographic, health, and lifestyle factors that directly impact life insurance premiums:

Policy type

Term limits and length influence both premiums and payouts. As a general rule, permanent life insurance is more expensive since it guarantees death benefits.


Life insurance becomes more costly as you age. Since younger people have longer life expectancies and more time to pay for premiums, rates are typically lower. 


Like younger individuals, women also have longer life expectancies when compared to men. In fact, women in the U.S. live an average of five years longer.

Medical History

Insurers will review your medical history for any pre-existing conditions. Chronic ailments, like cancer or heart disease, increase premiums or may disqualify you from a policy altogether.

Family History

Your family’s medical history will be reviewed as well. A pattern of illness could produce the same results as above, even if you’re currently healthy. Underwriters must weigh the risk of you developing future problems later in life.

Employment History

Some occupations are simply more dangerous than others. Jobs, like construction or commercial fishing, add heightened risk and higher premiums.


How you spend your free time matters too. As part of their risk assessment, insurers will try to get a complete picture of your hobbies, behaviors, and overall lifestyle.

Find an agent serving Florida

A. L. Saland Insurance Solutions Inc. does more than just educate our clients. Our experienced staff is determined to craft a life insurance policy that best meets your needs. Call and set up an appointment today.

Exploring The Different Types Of Life Insurance Policies

A.L. Saland Insurance Solutions Inc helps Florida residents find coverage. We offer our clients multiple types of policies to help them protect what matters most. We work with multiple carriers across the state. This allows us to offer flexible policies that fit specific individual situations. We strive to offer exemplary customer service. We look forward to serving you.

A Look At The Different Types Of Life Insurance Policies

Life is full of unexpected twists and turns. Sometimes accidents arise that you aren’t prepared for. During those times of uncertainty, it’s good to have a safety net. Thinking about what your legacy will be after you have passed away is an uncomfortable topic for many people. However, life insurance can assist you in this situation. Life insurance helps you leave a foundation for your loved ones as they try to move forward following your passing. The policy can help your loved ones finalize your funeral arrangements to ensure that you receive proper service. The policy can also help your loved ones settle any leftover affairs that you have. Perhaps you are a Florida business owner and your life insurance policy is designed to help your loved ones run the business after you have passed away. You can also leave something behind for your children to help them pursue their dreams. Here’s a look at the different types of life insurance policies

Term Life Coverage

Term life policies provide coverage during a specific time frame. The minimum time frame for a policy is 5 years while the maximum time frame is 30 years.

Whole Life Coverage

Whole life policies cover you throughout your entire lifetime. This adds a layer of comfort that something will be there for your loved ones if you suddenly pass away.  

A. L. Saland Insurance Solutions Inc Will Help You Cover Your Assets

Visit our website to learn more information about life insurance.

When should you review your life insurance?

Life insurance like many other types of insurance is not one and done. Your needs change over a lifetime, and you need to review your policies from time to time to make sure you have the coverage you need at that moment in time. At A. L. Saland Insurance Solutions Inc we work with our clients to find the best solution to their insurance needs. We are committed to simplifying the process of getting insurance. 

When you get a job

The first time you will probably be exposed to life insurance is through your employer. When you are given your employment packet you may have the option of signing up for life insurance. Take advantage of the opportunity. This is a bonus, and it would be a shame to pass it up. While it isn’t ideal, and if you change jobs it will gO away, for the moment it provides protection. 

When you buy a home

Homeownership is something many people hope to achieve. Once you have achieved it, it is time to think about protecting yourself with life insurance. You are young and healthy and life insurance is affordable. Think about getting a whole life policy that will be with you for your entire life. It offers a death benefit, but it also earns dividends. It is a way of saving while paying for protection. 

When you have your first child

Children come with lots of responsibility, one of which is to make sure they’re cared for. If something happened to you, would they be able to remain in their current home, remain in their current school, and perhaps go to college someday. Your life insurance can help provide that and more but only if you have it. 

If you’re ready to talk about your life insurance needs at  A. L. Saland Insurance Solutions Inc we are here for you.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • Aetna
  • Aflac
  • Allstate
  • Banner
  • Cabrillo
  • Cigna
  • Citizens
  • Edison
  • FedNat
  • Florida Peninsula
  • Gainsco
  • GeoVera
  • Guardian
  • Hagerty
  • Heritage
  • MetLife
  • Monarch
  • Neptune
  • Safeco
  • Security First
  • Tower Hill
  • Travelers
  • TypTap
  • Universal PC
  • Wright Flood