Life & Health

What is Health Insurance?

A health insurance is a shield that will protect families from excessive medical expenses and will give peace of mind in the event of medical emergencies and prolonged medical treatments. We offer private health insurance and Obama care health insurance with help from the federal government. Medical coverage is the protection that was agreed with the insurance company chosen according to the agreement, either private or through the MarketPlace for the use of Obama care benefits.

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What’s Your Health Worth?

Health Insurance contains an annual deductible and an annual out-of-pocket maximum, sometimes these amounts are the same, understanding which procedures or events are subject to your deductible or your out-of-pocket maximum you will be better prepared to select which insurance plan is more convenient , without having surprises in medical expenses. Insurance through The MarketPlace is closely related to income and your annual income statements, understanding this relationship makes you free from surprises in the face of money withheld by the federal government as a result of having chosen a particular health insurance. Boretc Insurance has excellence in offering you an accurate guide so that your medical insurance works without any risk of becoming a negative adjustment in your annual tax return.

A Family of Support

Here at Bortec Insurance, we make a priority of helping our clients. We really get to know each client, what they need, and the family they are trying to protect from illness and accidents. Wheather Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO), Point of Service (POS), Preferred Provider Organization (PPO). Our customer loyalty and satisfaction are at an all-time high because we truly care.

A few reminders about affordable coverage

Just to remind you, affordable health care coverage is available to everyone if you know where to look. Thankfully, you’re already in the right place. Take a moment to explore our insurance offerings. Then, give us a call.

Short-term health insurance as a temporary safety net

Or, if you do not want a full-term coverage policy, consider short-term health insurance as a temporary safety net. If you are in-between jobs, for example, having a short insurance policy term can make a world of difference.

Why Us?

Why Bortec Insurance? There are several great reasons to choose us over the competition. For starters, you’ll receive honest, knowledgeable interactions with our specialists. We’ll connect you with an affordable plan. Plus, you’ll receive all the coverage you need! Secure your perfect health insurance policy by calling 786-780-1255!

What is Life Insurance?

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With the help from Bortec Insurance we can find a life insurance policy that suits your needs so you can help secure your family’s financial future by paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

Types of Life Insurance

There are two main types of life insurance – Term life insurance and Permanent life insurance. Term life insurance simply covers you for a specified amount of time (10, 20, and 30 year policies being the most common). Permanent life insurance can be broken down into three types: universal, whole, and variable. You can count on Bortec Insurance so you can get a better understanding of which type of life insurance is right for you.

What is Term Life Insurance?

Term life insurance is typically the most affordable option to protect your family in the event that something happens to you. It’s a policy that covers you for a specific amount of time, or term — typically 10, 15, 20 or 30 years. You make premium payments during the term you’ve selected, and your insurer will pay a death benefit to your beneficiaries if you pass away.

Why Term Life Insurance?

Term life insurance tends to be a more affordable policy than permanent life insurance because it doesn’t build any cash value that you can borrow against or invest and it ends at the term of your contract instead of providing lifetime coverage. If you still need coverage at the end of your term, however, you may be able to renew or convert your policy.

Select the duration of you coverage; Decide the number or years your financial needs will be greatest (for example, when your kids are younger or while you are paying a mortgage)Determine how much you need; Think about how much your loved one may need to replace your income.

With a term life insurance policy, you pay fixed premiums for the term you have selected to be covered. Your monthly payments will stay the same throughout your premium period. If something were to happen to you, whoever you choose as your beneficiary will receive the tax-free death benefit. In order to receive a policy you may need to complete a life insurance medical exam so that your insurer can get an idea of your health status. Bortec Insurance will be every step of the way to make sure you get the best coverage that fits your needs.

What is Universal life insurance?

Universal life insurance is more affordable than whole life insurance and can offer cash value growth, along with features that can give you flexibility as your needs change over the years.

What can it offer?

In addition to lifetime protection, universal life insurance offers a unique combination of benefits to help meet your needs, including:

Plan flexibility

You can change the protection level, how frequently you pay your premium or even the premium amount, as long as you remain within set boundaries.

Access to the cash value

If your needs change, you have the potential to build and borrow from the cash value while you’re alive.

Long-term care coverage

You have options for covering potential long-term care expenses — for help with things such as bathing, dressing, eating, food preparation and household cleaning.

Tax advantages

All life insurance products offer tax advantages, including a tax-free death benefit and tax-deferred cash value growth.

What is Whole life Insurance?

Unlike term life insurance that protects you for only a specific duration, whole life insurance offers protection throughout your lifetime. It’s the most basic type of permanent life insurance that offers consistency along with some predetermined, guaranteed cash value growth.

What can it offer?

In addition to lifetime protection, whole life insurance offers a unique combination of benefits to help meet your needs, including:

Consistent premium payments

Whole life insurance is typically more expensive than term life policies, but the premium amount is fixed for the life of the policy.

Consistent cash value growth

Your whole life insurance policy receives a guaranteed, fixed rate of interest on the cash value.

Tax-free death benefit

The payout your beneficiary receives if you die is typically tax-free and has a steady value throughout the life of the policy.

Policy customization

You can customize a whole life insurance policy with a variety of optional features for an additional charge.

What is Variable Universal Life Insurance?

Variable Universal Life Insurance is a type of permanent protection that offers flexibility and the potential for growth by investing some or all your cash value in sub accounts that are tied to the stock market – similar to how mutual funds are structured.

What does it offer?

In addition to lifetime protection, variable universal life insurance offers a unique combination of benefits to help meet your needs, including:

Enhanced growth potential

A variety of high-quality investment options mean the potential to earn a higher-than-average rate on your cash value accumulation.

Supplemental retirement income

If you’re already making the maximum allowable contributions to your qualified retirement funds, a variable universal life policy offers you the potential to build additional savings for retirement.

Tax advantages

All life insurance products offer tax advantages, including a tax-free death benefit and tax-deferred cash value growth to help you make the most of your investment.

Policy customization

You can customize a variable universal life policy with a variety of optional features for an additional charge, including the Long-term Care Rider.