We are your trusted independent brokerage for superior coverage in Florida and Georgia. Our client-focused approach simplifies insurance, offering tailored policies following personalized risk assessments. Backed by industry expertise, we ensure reliable, satisfying coverage. Choose Lifeline Insurance Group for comprehensive and personalized insurance solutions with a commitment to excellence.

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+1 (305)-677-9912

+1 (786)-319-7679

Frequently Asked Questions

Looking for answers about insurance?

Check out our frequently asked questions to get the information you need. From understanding policy types to getting insurance quotes, we’ve got you covered. Explore our FAQs now!


$6,500 per year if you are over age 50 then a catch up provision allows you to deposit an additional $1,000 for a total of $7,500 per year.

Yes, with Qualified Retirement accounts you have what’s caleed a Required Minimum Distribution or RMD, at age 72.

We do not charge you any fees just for simply shopping around. We actually encourage you to look at several carriers, to see which best fits your needs.

No, not all annuities have fees. Some charge a fee for riders. You have to see the policy for more details.

A Fixed Indexed annuity maybe the right product for you. You gain when the market goes up, but you are protected from index losses.

Interest rates on Fixed annuities are at the highest levels in the past 15-20 years. Now it’s a great time to grow your retirement savings.


There are many reasons why people have life insurance. It may be to protect the lifestyle your family has become accustomed to, by insuring your future income. Perhaps, it can help pay off some debt, mortgage, or also, could be for your kids college fund. 

Understanding Your Insurance Options

Term Insurance: Affordable and offers a guaranteed death benefit and premium for a specific term (5, 10, 15, 20, or 30 years).

Whole Life: Provides a fixed death benefit and premium for life, offering stability but at a higher cost.

Universal Life: Offers flexibility; you can adjust coverage and premiums to suit your needs.

Index Universal Life: Provides potential tax-free savings on earned interest and can offer a tax-free income stream for retirement without age restrictions.

The truth is, there’s no one-size-fits-all insurance. Sometimes, a combination of two types may be your best solution.

Also, choosing the right one depends on your goals and financial situation. Term insurance is cost-effective for short-term needs, while permanent insurance provides lifelong security and can be part of your financial planning. Consider your current circumstances and future objectives to make an informed choice.

Consult with an expert to find the right fit for your unique circumstances.


Getting an insurance quote with us is absolutely free, no hidden fees whatsoever. We believe in making the process as easy and transparent as possible for you. So go ahead and request your quote with confidence, and we’ll provide you with all the information you need to make the best decisions for your insurance needs. If you have any more questions or need assistance with anything else, feel free to ask. We’re here to assist you every step of the way!

Here are shorter tips for lowering life insurance costs:

Stay Healthy: Good health and no smoking can lower premiums.
Right Coverage: Match coverage to your needs to avoid overpaying.
Choose Term: Consider term life for affordability.
Compare Quotes: Shop around for the best rates.
Pay Annually: Pay yearly for discounts.
Start Young: Get insurance when you’re younger for lower rates.
Improve Health: Work on your health for lower costs.
Limit Add-Ons: Be cautious with extra coverage options.
Financial Stability: Maintain good finances and credit.
Review Regularly: Check your policy to adjust as needed.

Balancing coverage and cost is key for long-term insurance. Consider consulting a financial advisor for guidance.

Absolutely, and this is a great question! The rate we provide is based on the information you’ve provided, but it’s always a good idea to speak with one of our agents for a personalized quote to ensure accuracy. We’ll help tailor the best plan for your needs!


As long as your current information and payments are up-to-date, your plan will automatically renew. If applicable, you will get a new ID card in the mail, effective Jan 2023.

Starting November 1st., a new Open Enrollment period starts. You can view the new rates and apply here.

Certain individuals and their families may qualify for a reduction in the health insurance premium. Depending on different factors they may receive a monthly allowance for health insurance premiums, which goes directly to the carrier they choose. To qualify you cannot be offered insurance at work, and the allowance amount varies according to your income, age and number of dependents.
Medicare recipients will not qualify for this program.

With a PPO plan the network tends to be larger than an HMO plan. Even if you go outside your network, you still have benefits (be careful ,your deductible is higher if you go outside the network).

You have to stay in-network and you will have no benefits if you go outside the network. Note, not all HMO’s are created equally; some have only local coverage while some offer coverage nationwide. All plans have to cover you in case of an emergency even out-of-network.

It’s the amount you pay at a doctor’s office or facility for a visit. This can range from $1 or even more than $100, it depends on the plan you choose. Generally, co-pays for regular doctor’s visit will tend to cost less, while a specialist visit will cost you more.

An Exclusive Provider Organization (EPO) is a managed cared plan where benefits are covered if you stay in the plan’s network. Except in an emergency, out-of-network services are not covered.

It’s the amount you have to pay before the insurance company will pay for certain services. Generally, you pay a deductible for hospital stays, surgeries, and other major services (check you plan benefits for details)

This is a percentage you pay after you already met your annual deductible. The amount you pay has a maximum amount you have to pay which is considered your maximum out-of-pocket cost.

Here’s a simple answer:

In-network providers are doctors, hospitals, or healthcare facilities that have agreements with your insurance company to provide services at lower, negotiated rates. Choosing them usually means lower out-of-pocket costs.

Out-of-network providers are healthcare providers that don’t have agreements with your insurance company. Going to them may result in higher costs because your insurance may cover less, leaving you to pay more of the bill.

Always check your policy for details on in-network and out-of-network coverage.

Everyone’s needs are different. Have one of our licensed experts help you decide what is best for you and your family.

Not only we do help you compare all the possible options available to you, we also make sure all your needs are being satisfied at the most affordable price. We also offer customer service all year round.

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