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08/24/2012
By: madelaine18
Southeast Insurance Agency
I can't speak for the entire company but I can speak for my agent. Max Pulcini is amazing. He is so good at answering my many questions. He even looked over my policy and let me know that I had the best rate with one specific type of business insurance. So he spent tons of time with me, only to be honest and lose my business. That might just be the definition of integrity. I can tell you that through that experience when my current policy expires and I lose my specialty rate, I'm switching over to Southeast Insurance Agency with Max. He even explained to me that when the economy goes down, if your insurance rate stays the same, you're getting ripped off. If you have that exact situation, you need to talk to Max because he will save you tons of money and probably be able to increase your coverage as well. Then as an added bonus, you can know you're dealing with someone that's honest and ethical instead of all the other crooks out there.
08/12/2012
By: michelle.madrigal.94651
Southeast Insurance Agency
So my friends told me about how they got life insurance and how excited they are about it. They told me about Max Pulcini with Southeast Insurance Agency and about how helpful he was. So my husband and I did not have life insurance, nor did we even discuss it yet, decided to sit down and here what he had to say. It was so easy to talk to Max, no pressure at all. He genuinely just wants people to have the right information and to come out with a great life insurance plan as well as a retirement plan.He was very informative and extremely friendly. I have referred him to everyone I know and would recommend his services to anyone. Getting life insurance is a big step, I am just glad that I had someone to make me feel comfortable and not rushed.Bottom line: In the life insurance world, you want to get the best, and that is what you are getting with Max Pulcini.
08/14/2015
By: Zona Q.
Janet Fernandez - State Farm Insurance Agent
I have been with state farm for as long as I can remember. When I moved to Florida in 2000, I went to Janet Fernandez, State Farm. I have been a customer ever since. The song that states """state farm is there""" absolutely rings true for this office, and their entire staff. I am always informed, they are always helpful and there for us. You cannot find a more trust worthy company in my opinion. And one that will always be there for you when you need them. And extra....they even all singed a card and sent it to me when I was sick. Love this entire office and staff. Very Caring
08/23/2012
By: lisatincher
Southeast Insurance Agency
Trusted Insurance Agency]I found this company through online search w/ all their good services and all I can say is that wasn’t disappointed. Max Pulcini helped me find the best deal in car insurance for both my husband and I. They made the process very easy and understandable, and gave me all sorts of discounts to get my insurance down to where I can afford it. There are very few businesses out there that really care about their customer and these guys are great with communication and follow up. Thanks a lot. You guys at Network Insurance Center rock!
08/04/2012
By: adrian.hamilton.7355
Southeast Insurance Agency
I felt that Southeast Insurance Agency truly cared about me as a potential customer- they answered all of my questions, were timely in e-mail correspondence and were very sensitive & responsive to my needs. I felt 110x better after my phone call with them! I truly appreciate Southeast Insurance Agency honesty and assistance and would definitely call them in the future if I need to purchase insurance, as well as refer others!
07/21/2012
By: careylawrence
Southeast Insurance Agency
I have been insured by Southeast Insurance for over 10 years. They have the best rates and the best service. I was previously insured by Mercury but switched based on the recommendation of a friend.The only claim that I had to file was damage to my convertible top due to a break in. The adjuster reviewed the damage and I received a check in the mail for the repair estimate.
07/19/2012
By: rebeccam
Southeast Insurance Agency
I've been a Southeast Insurance policy holder for 3+ years and has been happy every since. I have top of the line coverage and my payments are low as they can be.Recently i got into a fender bender my fault of course, and Southeast Insurance took care of everything from rental car to getting my car fix asap.
09/30/2012
By: andre3
FCI Insurance & Tag Service
Fci had two desks so there was practically no line. They ladies working there were really helpful and helped me save as much money as possible on insurance, they had lots of companies to choose your policy from.
12/30/2012
By: kristinemailey
Southeast Insurance Agency
I am very pleased with their services. They're very honest and hardworking. Big thanks to you! :)
02/20/2014
By: Susan H.
Southeast Insurance Agency
great customer service, they save me tons of money on my auto and home insurance policy
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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