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A. L. Saland Insurance Solutions, Inc Blog

Whole Life Insurance Policy Basics

When you know others depend on you, you know you need a good life insurance policy. It’s a good idea to be familiar with the types of life insurance that are available on the market. This can help you to learn more about what you want in a policy. A term life policy is a type that is highly affordable but comes with an expiration date. Whole-life policies work much differently. To find out more about these policies, contact us today at A. L. Saland Insurance Solutions Inc. in Odessa, FL.

No Expiration Date

What many people like about whole-life policies is that they never expire. They run for as long as you want to keep them. As long as you continue to pay your monthly or quarterly premiums, however, your plan is set up, the policy stays in effect. Even if you become quite elderly, the policy will still be there for your loved ones. These policies are called whole life because they can stay with you all your life. Because these policies can run for so long, they tend to be more expensive than term life policies. However, they do come with a unique financial benefit.

Cash Value

Over the many years, you keep your whole life policy, it will start to build up an amount that is its cash value. This amount grows steadily after the first few years. This is an amount of money you can borrow against. If you should have a financial emergency, it can be good to have this cash value ready for you to borrow. The amount borrowed is deducted from the policy’s death benefit until the loan is repaid.

Get Whole Life Insurance 

If you’re interested in this type of life insurance, contact us at A. L. Saland Insurance Solutions Inc. in Odessa, FL.

The Importance of Life Insurance

Our agents at A. L. Saland Insurance Solutions Inc. serving the Odessa, FL area want you to have the best quality of life possible, and with that comes a good life insurance policy. This type of policy will provide you with the peace of mind that you deserve in knowing that your loved ones will be properly cared for when you pass away.

The beneficiaries of your life insurance policy, normally your spouse or children, will be able to pay the mortgage, car payments, or other bills after you die with an adequate amount of life insurance. This will allow them to be able to grieve in peace without shouldering the added stress of having to worry about how they will survive financially.

Types of Life Insurance Policies

There are several different types of life insurance policies you can choose from and listed below are the three most common types of policies.

Term Life Insurance

Term life insurance is the most affordable policy that you can secure when it comes to life insurance, but if you pass away after the term expires, there will be no death benefit payout to your beneficiaries. You will choose the length of the term, normally 10, 20, or 30 years when you create your policy with your insurance agent. You can renew your policy for a new length of time when it expires if you so choose.

 Whole Life Insurance

A whole life insurance policy includes three different categories of life insurance. Those different types of insurance include whole life, universal life, and variable life insurance which are designed to pay out a certain amount of money to your beneficiaries when you pass away.

Universal Life Insurance

This type of life insurance policy is the most popular since it has a cash component to it that you can actually borrow from while you are still alive. This means that you can pay off larger bills, such as credit card debt, your mortgage, and other major bills before you pass away. This will provide you with a great sense of peace of mind since you know your family will be taken care of financially when you die. This policy also provides your beneficiaries with a death benefit.

Contact Us Today!

Do not wait to secure a life insurance policy since we never know when it will be our time to go. Enjoy your life and the peace of mind that comes with a proper life insurance policy. Call our agents at A. L. Saland Insurance Solutions Inc. is serving the Odessa, FL area today to get your policy started.

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.

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