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You are here:  Pinellas Life > Business Directory > Insurance

Tampa Bay Florida Insurance DirectoryInsurance Tampa Bay Florida

Welcome to the Tampa Bay Florida Insurance Directory serving Hernando County, Hillsborough County, Pasco County, & Pinellas County Florida! Finding a Insurance business in Tampa Bay is as easy as A-B-Click!

Feather FinancialFeather Financial

Complete financial and insurance services including auto insurance, property insurance, life insurance, flood insurance and business insurance. We offer investment, saving and retirement planning with our complimentary Personal Financial Review Program.

James Hosner, Exclusive Agent | (727) 724-8568
1550 / F4 McMullen Booth Road, Clearwater | Website

Lizette Cochran State Farm InsuranceLizette Cochran State Farm Insurance

Providing Insurance and Financial Services

Call us for ALL your insurance and financial needs. We have the best service at great rates. Our agency has been helping satisfied clients since 1989. We offer auto, homeowners, renters, business, flood, liability, life, health insurance and much more .... Call us for a free quote. Our goal is to earn your business! We have payment plans available.

(727) 786-1082 | 3031 East Lake Rd., Palm Harbor, Florida 34685 (Map)
Email: lizette@lizettec.com | Website

Tampa Bay Insurance Categories

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Insurance Definitions

Insurance

A promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. Some forms of insurance are required by law, while others are optional. Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer. In exchange for payments from the insured (called premiums), the insurer agrees to pay the policy holder a sum of money upon the occurrence of a specific event. In most cases, the policy holder pays part of the loss (called the deductible), and the insurer pays the rest. Examples include car insurance, health insurance, disability insurance, life insurance, and business insurance.

 

Health Insurance

A policy that will pay specified sums for medical expenses or treatments. Health policies can offer many options and vary in their approaches to coverage.

Financial and Retirement Planning Products

Annuities

An annuity is a contract between you and an insurance company. The insurance company invests your money for you, and, depending on your annuity, you may receive a regular payment based on the success of the investments. Income on annuities is not taxed until withdrawn from the contract, making annuities a tool to save for retirement.

 

IRAs

An IRA is an Individual Retirement Account that allows you to save money for retirement with certain tax advantages. Think of an IRA not as an investment product itself but more like a box holding your chosen investments. Those investments may include mutual funds, stocks, bonds, IRA, Certificates of Deposits (CDs) or other financial products. Keep in mind that some restrictions and limitations on eligibility, contribution limits and access to fund apply.

 

Life Insurance

Insurance that guarantees a specific sum of money to a designated beneficiary upon the death of the insured or to the insured if he or she lives beyond a certain age.

 

Term Life Insurance
Life insurance that provides coverage for a set term and does not accumulate cash surrender value
 

Universal Life Insurance
Life Insurance characterized by flexible premiums, benefits, and payment schedules, by the indexing of cash value to money market interest rates, and by the periodic reporting of current value and company costs charged to the account.
 

Whole Life Insurance
Life insurance that provides coverage over the life of the insured and that can be sold for surrender value or used as the basis of low-interest loans called also ordinary life insurance straight life insurance.

 

Medicare Supplements

Medicare supplement insurance can help you fill in some of the "gaps" that Medicare won't pay.

 

Mutual Funds

An investment company that continually offers new shares and buys existing shares back at the request of the shareholder and uses its capital to invest in diversified securities of other companies.

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Page Updated:  05/06/2008 06:03:48 AM