Premature death may not be a topic of conversation you really want to address, but if you have dependents or a significant other that could be left in a financial bind because of your passing then you need to address it.
There are two types of life insurance - term and whole. Not sure which one is right for you? Contact us with your questions. We’ll answer them with no obligation. Long-term disability refers to a type of insurance that provides for your medical care if you incur an injury that causes you temporary or permanent disability. In the case of temporary disability, this insurance may pay for your extended rehabilitative care so you can regain your health and return to work.
We know that probably sounds a bit complex but shopping for life or disability insurance doesn't have to be difficult and at A. L. Saland Insurance Solutions Inc we offer excellent customer service and competitive rates.
When it comes to how much life insurance you need, there are a few different thoughts on what is best. As a general rule of thumb, many financial experts recommend multiplying your income by 10 and getting a policy for that amount. However, that figure may not be sufficient to cover your outstanding obligations, so another option is to add your debts such as student loans and mortgage in addition to anticipated future expenses such as college funds for your children.
Long-term disability refers to a type of insurance that provides for your medical care if you incur an injury that causes you temporary or permanent disability. In the case of temporary disability, this insurance typically pays for your extended rehabilitative care so you can regain your health and return to work. If you incur a permanent disability that requires you to have day-to-day care, such as an at-home nurse or moving into an assisted living center, the long-term care insurance pays for that.
Shopping for life/disability insurance doesn't have to be difficult and at A. L. Saland Insurance Solutions Inc in Lutz, FL we serve all of Florida by offering excellent customer service and competitive rates. Give us a call today to schedule a no-obligation life insurance consultation with one of our friendly and knowledgeable insurance professionals.
"My experience was amazing! Les and April have helped me above and beyond when my husband was dying from brain cancer. They basically took over and submitted all my claims. These two are the epitome of good, caring, loving people who go the extra mile for their customers."
"I have only had exceptional experience with their services. From day one, the personal attention was beyond the call."
"I am very happy to write this recommendation on behalf of A. L. Saland Insurance Solutions. So thorough and patient when aiding new or returning clients with Medicare."
"I have been working with Les and April on my insurance needs for many years. They are always looking out for my best interest regarding policy and price, and I highly recommend their agency to EVERYONE that I know."
"Les and his team have assisted me and my family with our auto, homeowners, motorcycle & business insurance for many years. They are ALWAYS available for their clients and go beyond to keep in contact and updated with our current policies especially while they are enforced. "
Melody Davis – Land O Lakes Travel
"In working with A. L. Saland Insurance Solutions have been such a pleasure. They helped us find the right Medicare insurance for our needs. Professionals with Integrity we are very happy! "
"Working with April and Les for our insurance needs has made my life so much easier. Les went over everything about our business to make sure we were being covered properly. They stay in constant contact to make sure they are doing all they can do for you. I could not ask for better people to look out for us!!! Thank you A. L. Saland Insurance Solutions, You and YOUR TEAM have given me the peace of mind that I was looking for!!!"
Kathleen Simington – Elder Assistance
"I have known April and Les Saland personally and professional for many years. They have always taken good care of my health insurance needs and I truly believe they have my best interests at heart. I would recommend to anyone who is looking for changes to their insurance needs to give the folks over at A. L. Saland Insurance Solutions a call. They will take good care of you."
"We were looking for comprehensive homeowner's insurance at a reasonable price. We contacted Les at A.L. Saland Insurance Solutions and his team went to work and found us exactly what we needed. Thanks for your assistance and dedication."
Ed & Lana Marsicano
"The TEAM at A. L. Saland Insurance Solutions has ALL of our insurance needs at their agency. Our business, fleet, homeowner, auto & health insurance. I have been with them for over 10 years and would NOT go to another agency for any reason. They not only keep in contact with us but they are keeping in contact with us throughout the year for ALL of our needs. I would highly recommend to everyone to call them today for your needs."
Pat Norton – Founder / Florida Exotic Bird Sanctuary
"Our experience with A. L. Saland Insurance Solutions has been first class. Les and his Team have been our insurance agents for both personal and Business needs for over 5 years. During that time we have received great advice and excellent service from people we feel connected to and are available to us whenever we need them."
Jude Mulhern – Marizipan/Owner