Financial Insurance

Life Insurance

Since 1953, Oyer, Macoviak and Associates has helped families compare life insurance options with guidance from an independent agency. Tell us what you need once, and our team can help review available options from more than 30 rated insurance companies.

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Life Insurance Coverage for More than 70 Years

When it comes to life insurance, it’s important to have the right coverage in place. Oyer, Macoviak and Associates can help you find the right policy to fit your needs, so you can rest assured that your loved ones are taken care of.

Life insurance can be an important part of financial planning. Oyer, Macoviak and Associates can help you review coverage choices, policy types, beneficiaries, and how your needs may change over time so you can make a more informed decision.

Don’t leave the future of your family to chance. Contact Oyer, Macoviak and Associates today and let us help you find the right life insurance policy for you.

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One request. We shop over 30 rated companies for you.

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Why People are Choosing us

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Compare Life Insurance Options

Making sure you and your loved ones are taken care of financially in the event of your death is one of the most important things you can do. Yet, for many people, life insurance is something that falls by the wayside. You think you don’t need it because you’re young and healthy. Or you just haven’t gotten around to it because it seems like a daunting task.

But the truth is, life insurance is one of the smartest investments you can make. And with Oyer, Macoviak and Associates, it’s easy to find a policy that’s right for you.

Oyer, Macoviak and Associates has been helping people find the right life insurance coverage for over 60 years. We know that each person’s needs are unique, which is why we take the time to get to know you and your situation before recommending a policy.

When you work with us, you can compare options through one independent agency and get ongoing support as your needs change. Our goal is to help you understand your choices and request coverage that fits your situation.

Don’t wait any longer to get the peace of mind that comes with knowing you and your loved ones are taken care of financially. Contact Oyer, Macoviak and Associates today to learn more about our life insurance options.

Why Do Business with us?

As a local insurance agency (Boynton Beach, Florida) we take the time to cater to our customer’s policies to create the correct policy for them. Our team of agents is dedicated to help you protect you, your loved ones, and your business. Our office can handle any risk in Florida. In addition, our office is a Trusted Choice Insurance Agency (Independent Insurance Agent).

01What is life insurance?

Life insurance is a contract between you and a life insurer, which pays out a sum of money if something happens to you.

A common reason for having life insurance is to ensure your dependents (spouse or children) are provided for financially after you die. Life insurers will typically pay out lump sums or monthly installments over time, depending on the circumstances.

02What’s the difference between life insurance and income protection?

Income protection replaces your income if you can’t work because of illness, injury, or pregnancy. Like life insurance, there are two main types: term and permanent (or disability). For example, a term policy will pay you an income for up to a set period if you fall ill or become injured.

03Where do I get life insurance?

There are a few main types: loose term, attached life and whole of life. There’s also an option called temporary income protection which will pay out for a certain period only (often 12 months). The choice you make depends on your circumstances, including how much cover you need, the length of time you want to cover and what your budget is.

04How much do I need?

This depends on several factors, such as age and life expectancy; whether you have dependents; and your financial commitments (mortgage payments, children’s education etc). It’s also a good idea to factor in funeral costs. In some cases, your life insurer might require you to take out other types of insurance cover before they will issue you with a life policy.

05Can I be turned down for life insurance?

Yes. And as well as the usual reasons (if you have had a recent health or lifestyle change, for example), there are some things that may make it difficult to get cover. If you’ve declared bankruptcy or made an insurance claim in the last five years; if you haven’t been paying off your mortgage and your lender has told you, they’ll repossess the property; or if you’ve been convicted of a criminal offence and are waiting for your sentence to be decided.

06Who decides what happens to the money if I die?

You will normally nominate a beneficiary or beneficiaries, sometimes more than one. You can choose anyone you like, such as your children or a friend. You’ll also need to give some thought into how the proceeds should be paid out. For example, if you nominated your spouse as the beneficiary, they will get the lump sum payment (rather than monthly installments). This might affect their lifestyle but could be more useful in some circumstances.

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