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 North Miami, FL 33161

Everything You Must Know About Buying Term Insurance Plan In North Miami, FL

You’ve probably come across the term ‘Term Insurance Plan’ and wondered what it is and how it differs from other types of life insurance policies.

A term insurance plan is a simple and income tax-free life insurance plan that assures paying a defined sum of insurance coverage at the end.

As the name implies, term life allows you to choose the maximum coverage amount you want your beneficiaries to receive and the number of years you would like to be protected. Compared to permanent life insurance, the premiums for this type of insurance are low.

In many cases, term insurance can be convenient and inexpensive. For example, suppose you are a teen mom with kids in Miami-Dade County; in that case, you could obtain a policy that will protect you for a sufficient number of years until your children reach the age of professional adulthood and can earn money for themselves.

If something misfortune happened to you during the policy’s term, your selected beneficiaries would obtain their related coverages in term insurance plans.

Basic Overview Of Term Life Insurance

A term life insurance policy in Miami-Dade County is a simple, tax-free, and direct plan that protects your family for a specified period. It’s also one of the least expensive types of life insurance available.

The key feature of this type of tax-deferred life insurance is – Policy’s Term Length. This is the number of years the policy will cover your beneficiary or beneficiaries. The most common term lengths are 10, 15, 20, and 30 years.

Term life insurance works because if something misfortune happens to you during your coverage, the life insurance payout of your policy, known as a death benefit, is paid to the beneficiary.

The death benefit can go toward your partner’s rent or mortgage, your children’s education, paying off any lingering debts. It can help those mourning your loss address their financial needs and worries during a difficult time. The death benefits are usually not taxed as well.

Term insurance in Miami-Dade County can protect the family during the years when family members require it the most. A parent with young children, for example, can buy life insurance coverage that lasts at least until the children finish college.

Heating And Cooling Companies in North Miami, FL

Alternatively, a couple who has recently purchased their first home can select a term length that lasts until their mortgage is paid off.

Who Should Purchase A Term Insurance Policy & When?

Term insurance policies in North Miami, FL are the best option in the following situations:

1) If you are looking for an insurance plan in North Miami, FL that fits your budget, term insurance policies are a great option because they have low premiums.

2) If your family’s income depends on the sole breadwinner, a term insurance policy is right for you. You can purchase the right term life insurance policy in North Miami, FL, to protect your family’s financial life in the event of your untimely death.

My Term Life Guy in North Miami, FL enables an easy way to buy affordable term life and permanent life insurance online to protect the people you care about the most financially.

Suppose you want to know how much your monthly premium will be while purchasing life insurance in North Miami, FL. In that case, My Term Life Guy can get you a life insurance quote online quickly and easily. There is significantly less paperwork, and the sign-up process is entirely digital.

Unlike many other insurers in Miami-Dade County, it’s a significant advantage for you that no medical exam or medical history is required. Contact our My Term Life Guy team on 561-990-9017 to know our term life insurance plans for long-term care and protecting the financial strength to protect your family.

Some information about North Miami, FL

North Miami is a suburban city located in northeast Miami-Dade County, Florida, United States, about 10 miles (16 km) north of Miami. The city lies on Biscayne Bay and hosts the Biscayne Bay Campus of Florida International University, and the North Miami campus of Johnson & Wales University. Originally the town of ‘Arch Creek’, the area was incorporated as the ‘Town of Miami Shores’, which was renamed the ‘Town of North Miami’ in 1931. It was reincorporated as a city in 1953.

In the final phase of Indian inhabitation of the area that eventually became ‘North Miami’, United States Army soldiers in 1856 cut a Military Trail through nearly impassable thickets and rivers connecting Fort Lauderdale to Fort Dallas at the mouth of the Miami River. This eight-foot trail, Dade County’s first roadway, crossed a unique natural bridge — a natural limestone bridge spanning 40 feet (12 m) across the creek that no longer stands in Arch Creek Memorial Park — in an area that would attract a settlement that early on would be known as ‘Arch Creek’. Even before 1890, a handful of adventuresome pioneers spent brief periods around the Arch Creek Natural Bridge, a centuries-old Indian settlement.

In 1891, Mr. Ilhe was the first to put down roots in the Arch Creek vicinity. He purchased 80 acres (320,000 m2) from the State of Florida at one dollar an acre in the area of today’s N.E. 116th Street and Biscayne Boulevard. The place was so remote that his nearest northern neighbor was thought to live in Ft. Lauderdale. Mr. Ihle built a temporary palmetto frond shelter. During the next 27 years he grew shallots, coontie, squashes, bananas, sugar cane, Puerto Rican pineapples, lemons, guavas, limes, rose apples, Jamaican apples, and tomatoes.

By 1905 the area surrounding the nine-year-old Arch Creek Railroad Depot had become the community’s hub. It was located at 125th Street and the F.E.C. tracks. That year a post office and a school were opened nearby. By 1912, eighteen homes, a church, a general store, a blacksmith shop, and two tomato packing houses were located around the railroad. The population was estimated at less than one hundred. Farming was still the principal occupation.

Learn more about North Miami.

Directions from North Miami, 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!