Since 1953

Life Insurance

Since 1953 we have helped thousands of clients to save money on life insurance while we do all the work. Let us shop your policy with over “30” rated companies.



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Life Insurance Coverage for More than 60 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 is an important part of financial planning, and with Oyer, Macoviak and Associates, you can be sure that you’re getting the best possible coverage. We’ll work with you to make sure that your policy meets your needs both now and, in the future, so you can focus on what’s most important – enjoying your life.

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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Can you take money out of term life insurance
Life Insurance

Can you take money out of term life insurance?

Robert Macoviak Reading Time: 4 minutes

Are you wondering whether it is possible to take money out of term life insurance? The short answer is no, but there may be another type of life insurance policy that might better meet your needs. Term life insurance offers a variety of benefits for those looking for protection and peace-of-mind, however, unlike some permanent…

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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 be confident that you’re getting the best possible coverage at a price that fits your budget. We also offer ongoing support to make sure that your policy continues to meet your needs as your life changes.

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.

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FAQ life insurance

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).

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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.

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.

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.

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.

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.

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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