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09/30/2015
By: Michelle K.
Super Insurance Services Inc
I have been having an impossible time trying to find someone who could help me understand this insurance marketplace after my insurance company dropped my plan. i literally called 5 different companies and spoke w several different ppl who gave me incorrect or insufficient information. Finally I ended up using google to do my own research and found the company phone numbers to the individual health insurances offered on the market place. I called them all but the only one who seemed interested in helping me was this man named Keith from Molina healthcare. Keith sent my info to some brokers in the area that were supposed to get back to me and never did. I called keith back a few weeks later to let him know and he was so devastated he said he would make it his first priority to find me a broker who would take the matter seriously. The next day he referred two different brokers. I called the first one and got an agent named Danny Delgado. I could tell from the first 4 sentences that he was the first agent Ive talked to that is fully knowledgeable on all this new healthcare marketplace stuff. He explained in laymens terms all the different health care options and how each differentiated from the others. I honestly feel 100 percent more educated on the subject myself after speaking with him. He helped me choose the most appropriate plan for me and was not focused on trying to get me to spend as much as possible in fact he found me the cheapest plan ive seen so far. I usually dont go out of my way to write long reviews unless im really disappointed in something I will give credit where it is due and but Keith (of Molina Healthcare) and Danny (of Super Insurance) need to be recognized for being 2 of the few that take their job seriously now adays. I applaud you both.
06/17/2015
By: Jennifer P.
MSN Insurance Brokers
The ladies at MSN insurance brokers in south Florida were the best in getting me an amazing deal with my homeowners insurance! I have used them 3 times in setting up my garage liability insurance policy for my dealership as well as my auto policy and now again they struck again when they lowered my homeowners annual rate! I entered their office almost in tears and I left so very grateful to have received such stellar customer service. Nancy over there and Sonia are just the dynamic duo as well as all the other employees. Can't say enough great things! THANKS LADIES!
01/09/2017
By: jploving
Maria Elena Cisneros - State Farm Insurance Agent
This State Farm office is the Insurance office where I've had my best experience. First they greet you properly as you come in, they take care of you like a member of their family, they always are willing to help and go out of their way to help you with all of your insurance needs and any questions you may have. I have been with them for 20 years now and they insure all of our vehicles. I highly recommend them, I am sure that you will be pleased with their services as well. Trust me you won't regret it. Jesus (Miami, Florida)
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05/21/2015
By: Marta M.
MSN Insurance Brokers
I wanted to thank the owner and staff at MSN Insurance Brokers LLC. I was working with a few companies in obtaining quotes for my insurance needs (homeowners, car, commercial) and it was unbelievable how hard it is today to find the person to person care I found in MSN Insurance. They quickly took care of my needs and as of today every time I have an insurance situation arise, they are there to help me out in a very professional and quick manner. Again, Thank you MSN for providing the best quote out there and your services.
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01/05/2017
By: Tiffany M.
Aventura Tag Agency
Honestly have had an amazing customer service experience! This is the only company I have worked with that will answer my calls, emails, etc. at any time of the day. The whole staff gets along well, which makes the whole process a lot easier. I seriously do not understand how there are bad reviews about this company. Try it for yourself, you won't regret it and you'll have everything in no time! My family and I have multiple custom tags (GO NOLES) through them on top of all the other work they do!
06/27/2016
By: Trese m H.
Latimer Insurance Agency
The service at Latimer Insurance Agency is Excellent!! Mr. Otto Latimer is very knowledgeable when it comes to insurance. He is also great is doing taxes. He has been doing my taxes for many years until I moved to Georgia. I have recommended this business to many people and so far they are quite satisfied. I stop in ever so often when I'm in Miami to say "Hi". Otto is still the great guy I've come to know. Great job Otto!!!
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09/12/2015
By: Jose P.
Estrella Insurance
The attention has been personal, dedicated and thorough at all moments, the girls at the office are lovely and make you feel really appreciated, and above all, the service is superb and the prices terrific.La atencion ha sido personal, dedicada y completa en todo momento. Las muchachas de la oficina son muy amables y te hacen sentir realmente apreciado y por sobre todas las cosas, el sevicio y el precio son inmejorables.
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09/18/2015
By: Ivan V.
Estrella Insurance # 167
Estrella insurance brokerage branch 167 with Mr. Fundraising as the manager, offer a great customer service. Barbara took good care of me during my last interaction in my search of a more affordable car insurance. She worked deligently and very professional, and kept constant communication until we arrived to a final decision. I will recommend them for your insurance needs. Thanks Fundora, Theresa and Barbara!
06/25/2014
By: Tony D.
Peoples Insurance Claims Center
I filed a claim directly with the insurance company and was underpaid. A friend recommended I call a public adjuster to ask for advice and so she gave me PICC's number. They re-opened my claim and the insurance company ended up paying double the amount I originally received. I was able to complete the repairs in my kitchen and couldn't believe I almost didn't do anything about the little amount I had received.
12/31/2014
By: Victor G.
Pardo Public Adjusters ( LLamen A Pardo )
My air conditioner started leaking and lifted my wood floors. I called my insurance company and they sent me a check for $5000. The materials alone were over $10000 not including labor. I heard Pardo's commercial and decided to give them a chance. At the end Pardo got my over $40,000 and it went very smooth. Great company!!! I recommend using them with anything to do with your home.
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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