Delray Financial Group LLC offers whole life, term, and universal life insurance policy quotes at the best cost available from our headquarters in Boca Raton, Florida. If you want tax free income that includes whole life at retirement without the risk of losing any of your money in the stock market, watch the short video at the bottom of this page to learn how sections 101 and 7702 of the tax code enable you to save, grow, and protect your money for a tax free retirement.
John Nobile President of Delray Financial Group LLC, as an independent financial professional, has access to hundreds of insurance carriers. Unlike some agents, he is not bound to one company or carrier. Insurance products and annuities are analyzed from all possible carriers and then rigorously vetted and carefully selected to match your risk tolerance, suitability and individual needs.
What is life insurance?
Life insurance today is much more than just a financial payout for your loved ones when you pass away. Life insurance is an important part of your overall financial planning. Delray Financial Group can help you compare all types of tax free, customizable plans to help you protect and grow your wealth, pay for major events, and provide for your loved ones.
My mission is to make a difference. Lead, coach, teach, and assist my clients through independent ideas, quality advice and peace of mind.
Delray Financial Group LLC, is an independent regional boutique wealth management firm whose sole business is to serve our clients. We have over 29 years of personalized, professional service experience, focused on servicing individual and institutional clients in their investment and banking needs. I look forward to working with you.
John A. Nobile
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How to choose the right insurance plan:
Choosing a life insurance policy will depend on where you are in life, how long you want the coverage to last, and whether you want to use the policy as an investment vehicle or not. Our Life Insurance professionals can help you figure out what type of life insurance to get. We offer a full suite of competitive products from multiple insurance carriers to help you meet the financial needs for you and your family, including universal life, term, and whole life.
Life insurance can provide two types of financial benefits: death benefits for our loved ones and some policies include additional benefits for us while we’re living.
First and foremost, life insurance is designed to pay a death benefit to our beneficiaries when we die. It can protect the financial future of those we love and who are dependent on us (our spouses, children and parents). Life insurance can also replace part or all of what we would have earned if we die unexpectedly.
Policy death benefits can provide funds to protect our families in ways like these:
- help pay for food, clothing and other regular living expenses
- pay off the mortgage on our house and other debts
- provide funds to pay our children’s college and other educational expenses
- pay funeral, medical and estate administration expenses
If we die unexpectedly, life insurance death benefits act like a kind of “financial safety net” to help maintain our families’ financial security. Life insurance death benefits provide cash that may help surviving members adjust to their new situation. These death benefits are usually Federal income tax free under the Internal Revenue Code.
Life insurance can help us during our life too
Some life insurance policies include additional benefits that policy owners may use during their lifetimes. Generally, these policies have cash surrender values. How much cash surrender value a policy has depends on many factors and varies from policy to policy.
The cash surrender values can enhance the policy owner’s financial position and provide financial flexibility in a variety of ways, including but not limited to:
- provide funds to meet unexpected financial emergencies
- provide supplemental retirement income
- be used to pay hospital and medical costs in the event of chronic or terminal illness
Life insurance is a flexible financial tool that can strengthen our finances in many ways. It has the ability to help us during our life and to help our families when we die. It can protect our families and replace our future earnings if we die unexpectedly. Its ability to provide both death benefits and additional benefits makes it a versatile financial tool that can help us and our families during our life and beyond.
Cash value can be accessed by taking policy loans and withdrawals. Loans and withdrawals may generate an income tax liability, reduce available cash value and reduce the death benefit or cause the policy to lapse. Get A Free Quote By Clicking Here
To view video presentations click on videos below.
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THE BANK OF NEW YORK MELLON CORPORATION
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