Family and Life Insurance

Scott Love Insurance works with clients to provide life insurance in Lutz, Florida, and the surrounding areas of Land O Lakes and Tampa, that can protect you and your entire family in the event of a loss.

What is Life Insurance?

Life insurance is a policy that pays the designated survivors a certain sum of money when the insured party dies. The amount of payout is predetermined based on the amount of premium that has been consistently paid over time.

The purpose of life insurance is to avoid leaving the survivors in a desperate financial mess.  Most of the time, when someone dies, the survivor still has to pay mortgages, car loans, credit card debt, monthly bills like electric, gas, and groceries, and of course, funeral expenses.

I constantly hear stories about someone dying and they didn’t have life insurance and the surviving spouse, children, or other family members are in a horrible financial situation because they do not have the money to pay for everyday living expenses, much less a funeral.

While this may not be a pleasant subject for some to consider, we respectfully ask you to consider the following:

  • Everyone dies eventually
  • At a minimum, you need money for funeral expenses
  • Most people need help with lost wages, debt, loans and everyday expenses
  • We live in an uncertain world where we hear of people dying all the time
  • What happens to the surviving family if someone dies at a young age?

I’ll use myself as an example. See the About Us page for my story on how I almost died in a car wreck at age 52 in June 2015.  If I had died, my wife would have had enough insurance money to pay off all the debt, loans, funeral expenses, and to survive on for years.

But what if I had not had any life insurance and had died?  She would have been left in a horrible situation with debt, mortgages, everyday expenses, and the inability on one income to pay all this.  She may have declare bankruptcy, her credit would have been ruined, and the stress to deal with all that would have been unimaginable.

Please don’t say “Well, I’m young and healthy or I’ll deal with it later.”  Two things that are not guaranteed are our health and how long we’re going to live.  Please consider what is best for your family even if you can only afford a cheap term insurance policy.

Please call or email me and I’ll put you in touch with Integrity Financial Services who are life insurance professionals representing over 50 A+ rated companies. As the name of their company implies, they will work with you with integrity and wisdom to find a plan that your family will be grateful for one day.