Life & Health
What is Health Insurance?
The cost of medical care continues to rise annually. Despite the rising costs, you may find yourself in need of healthcare more often. In the event of an illness or accident, do you have proper coverage?
Here at Bortec Insurance, we aim to connect individuals, families, and groups with the best health insurance solutions. There are different types of Marketplace health insurance plans designed to meet different needs. Some types of plans restrict your provider choices or encourage you to get care from the plan’s network of doctors, hospitals, pharmacies, and other medical service providers. Others pay a greater share of costs for providers outside the plan’s network.
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What’s Your Health Worth?
A Family of Support
A few reminders about affordable coverage
Short-term health insurance as a temporary safety net
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
What is Term Life Insurance?
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?
What can it offer?
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
Long-term care coverage
Tax advantages
What is Whole life Insurance?
What can it offer?
Consistent premium payments
Consistent cash value growth
Tax-free death benefit
Policy customization
What is Variable Universal Life Insurance?
What does it offer?
Enhanced growth potential
Supplemental retirement income
Tax advantages
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.