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Levi nodel

Hi, I’m Levi Nodel, your local Florida benefits advisor and life insurance agent at American Income Life. I’m here to help you find the perfect life insurance policy, tailored just for you. Let’s make sure your future is secure.

Contact information

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Whole Life Insurance

Whole Life Insurance

Whole Life Insurance



Whole life insurance is a permanent type of life insurance that provides coverage for your entire lifetime (unlike term life which expires after a set period). It has two main components:

  1. Death Benefit: A guaranteed amount paid to your beneficiaries when you pass away
  2. Cash Value: A savings component that builds value over time tax-deferred. You can:

  • Borrow against it
  • Withdraw from it
  • Use it to pay premiums
  • Surrender the policy for its cash value

Key features:

  • Fixed premiums that never increase
  • Guaranteed minimum rate of return on the cash value
  • Can be used as part of estate planning

Term Life Insurance

Whole Life Insurance

Whole Life Insurance

Term life insurance is the simplest and most straightforward type of life insurance. Here's how it works:

  • Provides coverage for a specific time period (typically 10, 20, or 30 years)
  • Pays a death benefit only if you die during the term
  • Much lower premiums than whole life insurance
  • No cash value or investment component
  • Premiums typically stay level during the term
  • Once the term expires, coverage ends (though many policies can be renewed at a higher rate)



Accidental Death

Whole Life Insurance

Hospitalization Policy

Accidental Death Insurance is similar to AD&D but more limited - it only covers death resulting from accidents. Here's the key information:

Coverage:

  • Pays only if death is caused directly by an accident
  • Must occur within a specified period after the accident (often 90-365 days)
  • Death must be independent of other causes 
  • What's Typically Covered:
  • Car accidents
  • Falls
  • Drowning
  • Work-related accidents
  • Other unintentional injuries

Key Points:

  • Lower premiums than regular life insurance
  • No medical exam usually required
  • Often available through workplace benefits
  • Can supplement regular life insurance
  • Benefits paid in addition to other insurance

Hospitalization Policy

Hospitalization Policy

Hospitalization Policy

A hospitalization policy (also called hospital indemnity insurance) is supplemental coverage that pays benefits when you're admitted to the hospital. Here's how it works:

Key Features:

  • Pays a fixed daily or monthly benefit while you're hospitalized
  • Benefits paid directly to you, not the hospital
  • Can be used for any purpose (medical bills, living expenses, etc.)
  • Typically pays regardless of other insurance you have

Benefits:

  • Helps cover deductibles and copays from regular health insurance
  • Covers non-medical expenses during hospitalization
  • No restrictions on how you use the money
  • Can help replace lost income during hospital stays

Term Life Insurance

Hospitalization Policy

Term Life Insurance

Term life insurance is the simplest and most straightforward type of life insurance. Here's how it works:

  • Provides coverage for a specific time period (typically 10, 20, or 30 years)
  • Pays a death benefit only if you die during the term
  • Much lower premiums than whole life insurance
  • No cash value or investment component
  • Premiums typically stay level during the term
  • Once the term expires, coverage ends (though many policies can be renewed at a higher rate)



AD&D

Hospitalization Policy

Term Life Insurance

AD&D (Accidental Death & Dismemberment) insurance is a limited form of insurance that pays benefits in two specific situations:

  1. Accidental Death: Pays if you die from an accident (not illness or natural causes)
  2. Dismemberment: Pays if you lose certain body parts or functions due to an accident, such as:

  • Loss of limbs
  • Other specified injuries

Key points:

  • Often pays on a "schedule" basis (example: 100% for death, 50% for loss of one limb)
  • Much cheaper than regular life insurance
  • Very specific coverage limitations



And many more products

And many more products

And many more products

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Plan your future now!!!

Levi Nodel

North Miami 33162

Whatsapp 3055875312 SMS3055270622 levinodel.ailife@gmail.com

Copyright © 2024 Dalia William - All Rights Reserved.

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