I know - my website is not the fanciest. But, I can promise you fantastic personalized service. I can promise you that when you call you will talk to me, Keith Murray. A live Florida Licensed Insurance Agent located in Florida - not a sales center in India. Feel free to fill out the form below for a free life insurance quote.
Keith Murray Sells Life Insurance to Florida Residents
I know my website is not the fanciest and I am not spending thousands of dollars
per month on radio and TV ads. But, I can promise you fantastic personalized
service. I can promise you that you will be working with me, Keith Murray. A live
Florida Licensed Insurance Agent located in here in Sunny South Florida - not a
sales center in India or a marketing company that sells your name to 5 or 10
agents that will harass and high pressure sale you until you buy.
Why would I want to buy my term life insurance from Keith Murray? :
If you live in Florida you need to call me. I am a Florida Licensed Insurance
broker / agent representing American General, Banner Life Insurance, Empire
General, First Colony Life, GE Life and Annuity, Humana One, ING, Jefferson
Pilot Life Insurance, John Hancock, Lincoln Benefit Life Insurance, Lincoln
National, Mass Mutual Life, MetLife, Nationwide, Pacific Life, Penn Mutual,
Pruco, Prudential Life Insurance, Transamerica, West Coast Life, William Penn
Life Insurance. I work with a lot of different life insurance companies because
one size does not fit all. You are unique and I shop to find the best insurance for
your needs. Let me shop for the best life insurance quotes for you and your
family.
Often times you hear people say the following about life insurance.
1) I don't need life insurance.
2) I have life insurance though my job.
3) My nephew / cousin / neighbor / friend / auto insurance agent sold us life
insurance that is also our retirement account.
I will try to address these key points and share with you my thoughts on life
insurance.
What is the point of buying life insurance?
The best way to express this, you buy life insurance if you love someone and
want to take care of them and support them when you are gone. Imagine a two
parent household suddenly losing the main money earner or worse, both
parents. Who would take care of the family? Who would take care of the
children? Who would pay for their needs? And who would pay for their college?
What if my wife is a stay at home Mom? Does she need life insurance?
Yes, if your wife were to die, who would take care of the children? Who would
cook, clean and perform all of the duties that she performed? If you were forced
to hire someone to do all of these activities over time it could amount to
hundreds of thousands of dollars.
What if I have life insurance though my job?
If you have life insurance through your job, that is a good thing. But do you have
enough? A friend of mine told me that he was covered, he had good benefits at
his job. After a little research we found that he only had $10,000 of life
insurance. This was barely enough to cover the cost of a funeral, definitely not
enough to provide for his two minor children. To calculate your life insurance
needs I recommend multiplying your annual income by 7.5. This is generally a
good target for the life insurance needs for a family.
Example:
Amy and Frank are married with two small children. Amy works part time while
the kids are in school earning $18,000 while Frank works full time earning
$55,000 per year. They have a $250,000 30 year mortgage and have $35,000 in
debt including car loans and credit cards. Both Amy and Frank should purchase
life insurance. I always recommend having at least enough coverage to pay off
all debt. Using the 7.5 rule mentioned above we can calculate how much they
each need is to multiply their annual income by 7.5. Frank should purchase at
least a $500,000 policy ($55,000 x 7.5 = $412,500) and Amy should purchase at
least a $300,000 policy ($18,000 x 7.5 = $135,000) plus you want to cover all
debt.
Although no formula is exact and no one can predict the future it is always better
to over estimate your needs than the opposite.
Can I combine life insurance and retirement savings?
Life insurance does not make for a good retirement vehicle nor does the
opposite apply. Does your car make a good house? The answer is obviously
no. If you need life insurance, buy a good term life insurance policy. If you need
a good retirement plan, setup a good retirement plan. Don't try to make one item
do both.
Divorce
- I am getting divorced, why is a life insurance policy necessary?
If you have children or if you are paying / receiving alimony a term life policy is a
must.
Example:
John and Debbie are divorcing. John has agreed to pay Debbie
$2,500 per month for alimony and child support for the next 15 years. They
also want to help their children with college tuition. John should purchase a 15
year term life policy to protect his family. In the event John should die during this
period his insurance policy could replace his monthly payments and help pay for
the children's college education.
Life insurance is not the lottery. You should have enough to keep your loved
ones in the life style they currently have. Don't view your death as your family
hitting the lottery. You should purchase enough insurance to maintain their
standard of living, not put them on "Life Styles of the Rich and Famous". Any
extra money you would be wise to invest it for your future for you to enjoy with
your family.
If you have questions please feel free to e-mail or call my office to discuss your
insurance needs. I promise, I will not try to sell you any insurance products that
you don't need. I treat each customer as if they were a family member and I
never sell you an insurance product I wouldn't sell my mother.
Miami-Dade County Florida Health & Life Insurance Quotes – Aventura, Bal Harbour, Bay Harbor
Islands, Biscayne Park, Coral Gables, Cutler Bay, Doral, El Portal, Florida City, Golden Beach,
Hialeah, Hialeah Gardens, Homestead, Indian Creek, Islandia, Key Biscayne, Medley, Miami, Miami
Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, North Bay Village, North Miami,
North Miami Beach, Opa-locka, Palmetto Bay, Pinecrest, South Miami, Surfside, Sunny Isles Beach,
Sweetwater, Virginia Gardens, West Miami
Broward County Florida Health & Life Insurance Quotes - Parkland, Coconut Creek, Deerfield Beach,
Coral Springs, Margate, Pompano Beach, Lighthouse Point, Hillsboro Beach, Tamarac, North
Lauderdale, Lauderdale-by-the-Sea, Sea Ranch Lakes, Oakland Park, Wilton Manors, Lazy Lake,
Fort Lauderdale, Lauderdale Lakes, Lauderhill, Sunrise, Plantation, Weston, Davie, Dania Beach,
Hollywood, Southwest Ranches, Cooper City, Pembroke Pines, Miramar, West Park, Pembroke Park,
Hallandale Beach.
Palm Beach County Florida Health & Life Insurance Quotes - Belle Glade, Tequesta, Jupiter Inlet
Colony, Jupiter, Juno Beach, Palm Beach Gardens, North Palm Beach, Lake Park, Riviera Beach,
Palm Beach Shores, Mangonia Park, Palm Beach, West Palm Beach, Haverhill, Glen Ridge, Palm
Springs, Lake Clarke Shores, Royal Palm Beach, Wellington, Greenacres, Atlantis, Lake Worth,
South Palm Beach, Lantana, Manalapan, Hypoluxo, Boynton Beach, Ocean Ridge, Delray Beach,
Highland Beach, Boca Raton, Loxahatchee Groves.
Martin County Florida Health & Life Insurance Quotes - Jupiter Island, Ocean Breeze Park, Sewall's
Point, Stuart, Hobe Sound, Hutchinson Island part, Indiantown, Jensen Beach, North River Shores,
Palm City, Port Salerno, Rio, Port Mayaca.
Okeechobee County Florida Health & Life Insurance Quotes - Cypress Quarters, Taylor Creek,
Ancient Oaks, Catterson, Sunset Strip, Barber Quarters, Basinger, Basswood Estates, Dixie Ranch
Acres, Fort Drum, Hilolo, Mildred, Sherman, Treasure Island, Upthegrove Beach.
St. Lucie County Florida Health & Life Insurance Quotes - Fort Pierce, Port St. Lucie, St. Lucie,
Hutchinson Island
Indian River County Florida Health & Life Insurance Quotes - Fellsmere, Indian River Shores, Orchid,
Sebastian, Vero Beach
Brevard County Florida Health & Life Insurance Quotes - Cape Canaveral, Cocoa, Cocoa Beach,
Grant-Valkaria, Indialantic, Indian Harbour Beach, Malabar, Melbourne, Melbourne Beach,
Melbourne Village, Palm Bay, Palm Shores, Rockledge, Satellite Beach, Titusville, West Melbourne