Traditional Life Insurance


Death: Covered


Stroke: Not Covered


Cancer: Not Covered


Heart Attack: Not Covered


Parkinson's disease: Not Covered

The simplest way to protect your family's financial future? 

Fast, Free Life Insurance quotes online in seconds! No personal information required. We can help get you covered from $100,000 to $10,000,000. If you’re looking for coverage above $20 million, please give us a call.

Life insurance for Life! 

It’s something insurance companies don’t want you to think about but what happens to your life insurance benefits if you outlive your policy? People today are living longer and it could happen.

Imagine a policy where you can access cash from your life insurance policy in the form of withdrawals or tax-free loans and use it to pay for medical expense and care. Traditional term life insurance policies will only pay benefits at the time of death but a Term Life with Living Benefits policy can provide protection during your lifetime as well.

Life Insurance in Bal Harbour, FL 33154

4 Benefits Of Term Life Insurance Plan In Bal Harbour, FL

Have you ever thought about how your family members would survive if you met an unfortunate accident? Do they have enough money to cover all of the financial obligations that may arise after your absence?

If you are worried while thinking about all these circumstances, you should purchase term life insurance from My Term Life Guy in Bal Harbour, FL as soon as possible.

In today’s world, having a term insurance plan covering all types of coverage is a great choice. The most prominent advantage of a term insurance policy is that it is directly proportional to the life insurance costs. In case of the policyholder’s uncertain death, the nominees will get the benefits.

By purchasing a term life insurance policy with My Term Life Guy in Bal Harbour, FL, you can conveniently secure the future of your family members. We will help protect your family financially in the unseen unfortunate events.

Advantages Lists Of Term Life Insurance

1) It Can Assure Significant Amount With Low Premiums

Heating And Cooling Companies in Bal Harbour, FL

A term insurance policy in Bal Harbour, FL, provides the maximum sum assured. Furthermore, the best term insurance plans have the lowest premiums compared to any other insurance policy.

It is essential to remember that the earlier you buy life insurance in Bal Harbour, FL, the lower the premium. Thus, choosing a term plan at a young age is critical to receive additional benefits such as lower bass and affordable premiums.

2) Additional Rider Profits

A significant benefit of term life insurance is that you can choose additional rider benefits to increase your term plan coverage.

These additional rider benefits are commonly accessible and are provided by nearly every insurance company in Miami-Dade County. One can easily add these rider perks to your policy by paying the least additional premium.

3) Risk Coverage Against Severe Illness

You can suffer from severe health problems at any point in life. The medical costs associated with these ailments may simply take away all of your savings.

So, before choosing any types of life insurance plans in Bal Harbour, FL, you must undergo a medical exam and keep a medical history document with you while buying a severe illness coverage as an additional rider. It will help you pay your medical expenses without worrying about your financial strength.

4) Additional Returns On Maturity When You Pay Premium

A term insurance policy in Bal Harbour, FL, provides no maturity benefit. However, if you choose a premium return, you can gain a maturity advantage within the same term life insurance policy.

You will have to pay a slightly higher premium, which will be refunded if you perceive the policy’s maturity period.

Choosing Suitable Term Life Insurance Plans For Your Family

The process of selecting the best tax-free term life insurance plans in Bal Harbour, FL should be based on careful examination of your current financial strengths and your family’s future needs.

When deciding on the best tax-deferred term plan from the options available to you, you should always consider the benefits they provide. You must understand the details of the term plan before purchasing the term life policy from a life insurance company in Miami-Dade County.

You must also assess your requirements and compare which policy will provide you with the most benefits. Our My Term Life Guy in Bal Harbour, FL, offers a diverse range of permanent life insurance plans and solutions designed for our customers’ long-term care.

Our primary focus in Miami-Dade County is to ensure that customer needs are met throughout their life cycle – Child Education, Family Protection, Long-term Savings, and Retirement.

Call our team of My Term Life Guy at 561-990-9017 to get an instant term life insurance quote and learn about other coverage amounts.

Some information about Bal Harbour, FL

Bal Harbour is a village in Miami-Dade County, Florida, United States. The population was 2,513 at the 2010 US Census.

Since the 1920s, the Detroit-based Miami Beach Heights Corporation – headed by industrialists Robert C. Graham, Walter O. Briggs, and Carl G. Fisher – owned 245 acres (0.99 km2) of undeveloped, partially swampy land that stretched from the bay to the Atlantic. Mr. Graham assumed the duties as the developer for Bal Harbour. In the 1930s, city planners Harland Bartholomew & Associates were called in to design the Village. The company made several plans, and they were submitted to the Miami Beach Heights for review.

The original name chosen for Bal Harbour was Bay Harbour. However, the planning committee didn’t think that was appropriate for a city that was on the beach. A name was invented to encompass a village that ran from the bay to the Atlantic Ocean. The b was taken from the word bay and the a and l were taken from the name Atlantic. Hence the word Bal was created.

In 1940, World War II began, and the plans were put on hold. As a goodwill gesture to the government, Robert C. Graham rented the land to the United States Air Corps for $1 per year. The Air Corps used this land to train their soldiers and established a Prisoner of War camp. The ocean front area was used as a rifle range and the barracks were set up on the west side of Collins Avenue. The camp for prisoners was located where the Bal Harbour Shops are presently.

Learn more about Bal Harbour.

Directions from Bal Harbour, FL to My Term Life Guy

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Coverage 2

Chronic Illness

If you are unable to perform, without substantial assistance, or have a severe cognitive impairment.

Coverage 2

Critical Illness

Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, transplant, or ALS

Coverage 2

Terminal Illness

Available if you are diagnosed with a heart attack, stroke, cancer, kidney failure, major organ transplant, or ALS

Coverage 2


Waives 6 months worth of premium if you become unemployed for at least 4 weeks.

Looking for a Life Insurance Quote?

You can work with an agent to find a life insurance policy and can get a personalized, free, and no-obligation life insurance quote in just a few minutes. It's that easy to start protecting your family's financial future! Requesting a life insurance quote through AIG Direct is now faster and easier than ever!

With My Term Life Guy, you can get quality term life insurance coverage for less. Call now and save up to 60% on your term life policy compared to the same coverage through other carriers. That means you can get similar coverage for your money - and that's always a good thing!

My Term Life Guy & it's partners have been helping families guard their financial futures for nearly 100 years. Are you ready to join the millions of people who trust us for reliable coverage they can count on?


* Example assumes a 50-year-old male buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class. The example assumes a 50 year old female buying a 10-year term life insurance policy, in the Preferred Plus Underwriting Class.

Elite non smoker
Age 50

$500,000 Coverage


Elite non smoker
Age 50

$500,000 Coverage


How much does Term Life Insurance cost?

Our Provider Network

My Term Life Guy is an Independent Life Insurance Agency working with dozens of top national companies to provide you and your family with the best solution possible.

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When purchasing life insurance, we always want to choose the coverage amount that will be most useful to our family and loved ones in the future. When we wish to begin the application process for any type of life insurance, however, there are various factors to consider.

At My Term Life Guy, we assist each individual or family in determining the best plan for their needs. We understand that, in many circumstances, a person’s health status might be a barrier to getting traditional life insurance at a reasonable price. In order to receive a plan that offers good coverage, most life insurance companies require a medical exam. The truth is that undergoing a physical exam may be counterproductive if you are looking for a cost-effective plan with enough coverage in the future.

Even if one’s current health is strong, one’s lifestyle or previous illnesses can have an impact on future final expense insurance. If you are not a regular exerciser, a smoker, or have had a significant illness, it is conceivable that the life insurance company may not offer you the plan that you desire. If you also try to hire a policy that offers a lot of coverage while also not having a good medical history, the cost may end up being too high.

Although obtaining life insurance without a physical exam can be pricey, at My Term Life Guy, we will do everything we can to find the best insurer offer for you. The best part about working with us is that we will strive to put ourselves in your place in order to propose the best solution for you, whether it is term life insurance or guaranteed issue life insurance. Furthermore, you will not be required to pay anything to begin the application process, allowing you to compare quotes from several types of life insurance to determine which one is best for you.

You can obtain a quotation by filling out our online form. Please do not hesitate to contact one of our insurance agents if you have any questions!