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Looking for the best insurance for you and your family? Look no further! We have a wide variety of life and health insurance companies, and unlike other agencies, we can find the best option that fits your coverage needs, age, and medical condition.

Let us help you understand the benefits that insurance offers, we will get you the best option for your medical needs and get the most out of your health benefits.

We have the most important insurance plans that operate in Florida. Give us the opportunity to get you the best coverage for the best price.

Mission
• We are a company that provides insurance purchase advice for companies, families and individuals, which guarantees the protection of our clients' assets, with a comprehensive and high-quality service, with the support of the best insurance companies in the United States.
Vision
• To be a leading insurer in the personal insurance market in Florida, through our commitment to an excellent customer experience, by means of efficiency and innovation of products and services, improving the quality of life of our policyholders.
100% Committed
• We are the most effective way to successfully deal with unwanted events so that you can live with peace of mind, giving you the better protection, service and solutions with our insurance. We are an innovative company, oriented to provide excellence in service and specialized in the world of Life and Health insurance.

What is an Insurance Policy?

Insurance, as a means of protecting a person's interests against loss or damage, has been used for at least 5,000 years (originally by merchants seeking to protect their maritime cargoes), but the first real policies, in the form we think of them today, emerged in the 17th century.

Insurance is a financial safety net that helps you and your loved ones recover after something bad happens, such as a fire, theft, lawsuit, or car accident. When you buy insurance, you will receive an insurance policy, which is a legal contract between you and your insurance provider. And when you suffer a loss that is covered by your policy and file a claim, the insurance pays you or a designated recipient, called a beneficiary, according to the terms of your policy.

The hardest thing about insurance is that you are paying for something you hope you will never have to use. No one wants something bad to happen to them. But suffering a loss without insurance can put you in a tough financial situation.

Insurance is a way to manage your risk. When you buy insurance, you buy protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you. If you don't have insurance and an accident occurs, you may be responsible for all related costs.

Having the right insurance for the risks you may face can make a big difference in your life. People get insurance not only to help with the risks of unexpected events, but also to help pay for routine things, like annual medical checkups and dentist visits.

In addition, insurance companies negotiate discounts with health care providers, so that their customers pay those discounted rates.

An insurance policy is a written contract between the policyholder (the person or company that purchases the policy) and the insurer (the insurance company).

What are the benefits of insurance?

Having insurance gives you peace of mind Insurance is an important financial tool. It can help you live life with less worry knowing that you will receive financial assistance after a disaster or accident, helping you recover faster. When it comes to life insurance, this could mean that your family doesn't have to move home or that your children can afford to go to college.

For car insurance, it could mean that you have extra money available to help pay for repairs or a replacement vehicle after an accident.

Insurance can help you keep your life on track, as much as possible, after something bad derails it.

By taking out an insurance policy, depending on the risk you are covering, some of the benefits you can get are:

• You reduce or eliminate the risk of facing a sudden and major expense if you, your family or your property suffer a misfortune.
• You have the funds to cover the costs of any liability claim filed against you, when you are blamed for someone else's misfortune.
• You create security for yourself and your family in case you lose your purchasing power due to job loss or disability.
• You provide financial security for your family in the event of your death.
• You are covered if someone who is not insured injures you or damages your property.
• You have a better chance of quickly recovering your lifestyle after damage to your property if you are covered. Someone is looking out for you while the restoration or replacement is being carried out.
• You will improve your creditworthiness by being recognized as a responsible citizen and you may even be able to raise funds against the guarantee of a policy.
• If you own a business, you can insure yourself against risks that would otherwise prevent you from competing against larger and financially stronger competitors.
• You can protect yourself against damage caused by some of the modern financial crimes, which you would otherwise find difficult to understand and assess, such as identity theft.

Do you and your family need it and is it worth it?

Clearly, in our opinion the answer is undoubtedly “YES”. These are just a few of the reasons:

• An average of more than one in every hundred homes suffers serious damage each year, mostly caused by fires and weather events.
• Earthquakes have hit 39 states since 1900 and caused damage in all 50 states.
• Nearly half of all people in the second half of their working lives will suffer a disability lasting more than 90 days before reaching retirement age.
• Most people who reach retirement age will need some level of long-term care in later life: 58% of men and 79% of women.
• More than two million homes and more than one million cars are stolen each year.
• The cost of Health care costs are rising considerably faster than the rate of inflation. Thousands of people die every year from not having insurance coverage.

Insurance Pricing

The price of an insurance policy is unique and individualized. What this means is that your insurance price will not be the same as your neighbor's. Even if you have the same style of house and cars, your home and auto insurance price can be very different from your neighbor's.

The same is true for business insurance. Two similar companies can have different insurance prices.

There can be thousands of rating levels in today's insurance company pricing models.

There are also external factors that can affect insurance premiums. These factors can include:

• Inflation
• Rising wages
• Supply chain disruptions or delays
• Natural disasters
• Government regulations

What can affect the cost of your insurance?

Prior claims: Insurance companies look at claims history going back 3 to 5 years. Having prior claims will make your insurance premiums higher.

Location: Where you live can affect your insurance premiums. Companies use claims statistics to determine the price of insurance for each zip code.

Credit score: Depending on state rules, your credit score can make a difference in the price of your insurance. Insurance companies charge more to those with bad credit scores.

Car Insurance Pricing Factors:

In addition to the items above, the following factors can affect the cost of your car insurance (see our blog titled: How Are Car Insurance Rates Calculated?)

Age

Gender (in some states)

Marital Status

Driving Record

Type of Vehicle (not color. Don't believe the myth that red cars don't cost more to insure…)

Vehicle Usage

Annual Mileage Traveled

Coverage Selections

Deductible Selections

There are also discounts that may be available for your car insurance. Check out our blog titled: Available Discounts Can Lower Your Auto Insurance Premiums

Home Insurance Pricing Factors:

Here are additional factors that can affect the cost of your home insurance rates:

• Home Replacement Value
• Home Age and Construction
• Distance from Fire Department (determines fire protection class)
• Coverage Selections
• Deductible Selections
• Roof Condition
• System Upgrades (electrical, plumbing, etc.)

What is an insurance broker?

We know that taking out an insurance policy is not easy. For any branch there are different types and coverages that only professionals in the sector can inform you about which is the best insurance for your activity.

This is where the opportunity to hire an insurance broker appears, which will become essential in the day-to-day life of your family or company.

The insurance broker is an insurance mediator who searches the market for the best insurance option for your risk. That is to say, the broker is a professional in the sector who advises the client on which is the best insurance for their situation, advising them at all times based on the risks to which they are exposed according to their economic activity.

In this way, and without being linked to any company, it is guaranteed that the insured risks are completely covered by the contracted policy.

How much does it cost to hire an insurance broker?

Taking out insurance with an insurance broker does not make your policies more expensive, on the contrary.Thanks to the experience of our independent agents, being experts in mediation for companies, we have the possibility of negotiating and improving the conditions of any policy without losing the essential coverage for your activity.

Why hire an insurance broker

So that you know better what an insurance broker does, we are going to tell you detail:

• We search among insurance companies to find the best option for you.
• We carry out a financial study, we analyze the possible risks.
• We study the best offers on the market according to your activity.

Why do we do all this? Because sometimes we have found companies that do not have their activity and risks fully covered with general policies and basic coverage. In this situation and in the event of an accident, the damage is double.

We defend your interests

Hiring an insurance brokerage is going to an independent professional who will look out for your interests, not those of the insurance company. A broker's product is one that fits your needs, regardless of who the company is that markets it.

Claims management

In the event of a claim, you won't have to worry about anything. The brokerage will be in charge of managing it and will defend your interests against those of the insurer.

Time saving

You don't need to waste time searching and choosing between multiple options, the insurance brokerage does it for you.

It won't cost you money

Yes, as you read, despite what many think, it doesn't mean a higher price for you, the broker's remuneration is covered by the insurer. Therefore, forget the idea that going to an insurance broker is more expensive, in fact, you may save money.

Knowledge of the insurance market

One of the problems when taking out insurance is the lack of knowledge on the part of the client of the different options that exist. As professionals in the insurance sector, an insurance broker knows the market perfectly and is always aware of any new developments to communicate them to you if they may be of interest.

Personalized treatment

The treatment of an insurance broker is far from the treatment offered by an insurance company, here the focus is you, not the product. The broker analyzes your case and offers you only those policies that cover your needs.

We are insurance brokers specializing in companies

Angel Family Insurance is an insurance brokerage expert in insurance for companies and professionals. Our experience has led us to work with the best companies, offering any solution and coverage for the daily risks of your company, such as Civil Liability Insurance,

At Angel Family Insurance we are committed to helping you find the right insurance coverage at the best price. We are an independent insurance broker with options for you.

Our experienced, local insurance agents, take the time to assess your individual needs and develop a policy that fits your budget.

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