Knowledge Center
Insurance
Decoded.
Plain-English answers to the questions we hear most from families across Florida.
Ask Us Anything →What's the difference between term and whole life insurance?
Term life covers you for a set period, while whole life provides lifetime coverage with a cash value component that grows over time.
How much life insurance do I need?
A common guideline is 10–12× your annual income, but the right amount depends on your debts, dependents, and long-term goals.
What conditions affect life insurance eligibility?
Many conditions are still insurable, often at standard or modified rates. An independent broker can shop multiple carriers to find your best option.
What's typically not covered by health insurance?
Cosmetic procedures, most experimental treatments, and some alternative therapies are commonly excluded. Always review your plan's summary of benefits.
Can I get coverage for pre-existing conditions?
Yes. Under current law, insurers offering ACA-compliant plans cannot deny coverage or charge more for pre-existing conditions.
What's the difference between an HMO and a PPO?
HMOs have lower out-of-pocket costs but require referrals and in-network care. PPOs offer more flexibility to see any provider, usually at higher premiums.