Family First Life - Financial Services

we specialize in...

Protecting Futures

We have years of insurance and financial experience helping clients prepare for the unknown. We specialize in Mortgage Protection, Indexed Universal Life Policies, Fixed Indexed Annuities, MYGA's, 24 Hour Accident & Sickness Coverage, Final Expense, Life Insurance, Income Replacement, Retirement Income and much more! We can access over 100 different programs or products so you can get the right one for you, and tailor fit it to your needs.

Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance or financial vehicle can spell trouble quickly. Call us today, and we'll analyze your insurance and financial needs and get you set up with the right type of coverage or financial product that meets your needs and goals as quickly as possible at the right price or a product with zero fees.

Building Relationships

Everyone has different insurance or financial needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.

Branch Manager

Omar Worrell

Dedicated Agents

Omar began his career in 2007 as an independent agent with a Law Firm Company marketing legal services, and in 2019 began his insurance career as a captive agent selling life & health insurance. In November of 2021 he started his Medical Underwriting and Financial Broker career with Family First Life.

Dedicated Agents

Our friendly Agents are dedicated and ready to help you and your family whenever or wherever convenient, in-person, over the phone or via zoom. They'll do a free risk assessment and outline other unforeseen risks, then provide you with several options for protecting your family and your assets.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

How much does life insurance cost?

Most people overestimate the cost of life insurance by 300% or more. The cost varies based on your unique situation. The biggest factors that can affect your premium include your coverage amount, term length, age, health status, and tobacco use. The sooner you buy, the sooner you’ll lock in your lowest premium—and save the most money in the long run.

What if I already have life insurance through my employer?

Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary, which is a fraction of what most families need. And if you leave your job, that coverage usually ends. A common rule of thumb is to have 10X your salary in life insurance protection, which is why many people buy individual term policies to supplement their coverage through work.

How much life insurance do I need?

A common and easy way to come up with a coverage estimate is to multiply your annual income by 10. Another way is to calculate your long-term financial obligations and then subtract your assets. The remainder is the gap that life insurance needs to fill.

How does the Cash Back Option work?

The Cash Back Option comes built-in to our Mortgage Protection or HMS Protection Plans. You have the option of receiving a FULL REFUND on ALL Premiums that were paid into the policy should you not receive any benefits during the coverage period.

What is Living Benefits and how does it work?

Our Mortgage Protection or HMS Protection Plans provide protection for the insured for the length of their Mortgage or longer (HMS Plans can also be used to cover rent and living expenses as well). The insured does not have to die to help protect their family. Included in this policy are benefits payable for Chronic Illness, Critical Illness, and Terminal Illness. The insured may request either a full or partial acceleration of their policy's death benefit if they suffer from either illness. A Chronic Illness is defined as being unable to perform at least 2 activities of daily living for 90 continuous days. A Critical Illness is one or more of the following conditions... ALS/Lou Gehrig's Disease, End Stage Renal Disease (Kidney Failure), invasive cancer, major organ failure, heart attack, or stroke. Terminal Illness is any diagnosis that is reasonably expected to result in the insured's death within 12 months or less. These phenomenal living benefits can help you by allowing you to pay off the mortgage early, help pay for burdensome medical bills, search and pay for alternative treatments, or simply for pleasure like taking a trip with your family that you otherwise wouldn't be able to afford.

What’s the difference between term and whole life insurance?

Term life insurance uses premiums to cover you for the determined “term” of the policy. Coverage expires if there is no claim within that time frame. Term life can be a good match for someone seeking affordable coverage to replace lost income over a critical period, such as while raising children or paying off a mortgage.Whole life insurance lasts your entire life if premiums remain current. Whole life policies also have the potential to accrue cash value, depending on the policy. For these reasons, whole life insurance premiums are typically higher than term premiums for the same coverage amount.

What is a 30-day free look period?

It means our application is non-binding, 100% free, and it won't affect your credit score. Additionally, each policy has a 30-day free look period. If you cancel the policy within the first 30 days, you will receive a full refund of premium paid. After 30 days, you may cancel your policy at any time without cancellation fees.

What does life insurance cover?

Your life insurance can help cover some of life's biggest expenses if you pass away while the policy is in force. For instance, policy proceeds are often used for mortgage payments, debts, tuition, and everyday expenses. Ultimately, it's up to your beneficiaries to decide how to use the payout. Proceeds are paid in a lump sum and are generally tax-free.

What is Chronic Illness, Critical Illness, and Terminal Illness Coverage ?

The insured may request either a full or partial acceleration of their policy's death benefit if they suffer from either illness. A Chronic Illness is defined as being unable to perform at least 2 activities of daily living for 90 continuous days. A Critical Illness is one or more of the following conditions... ALS/Lou Gehrig's Disease, End Stage Renal Disease (Kidney Failure), invasive cancer, major organ failure, heart attack, or stroke. Terminal Illness is any diagnosis that is reasonably expected to result in the insured's death within 12 months or less. These phenomenal living benefits can help you by allowing you to pay off the mortgage early, help pay for burdensome medical bills, search and pay for alternative treatments, or simply for pleasure like taking a trip with your family that you otherwise wouldn't be able to afford.

Contact Us

Fill out the form with any questions you have about finding the coverage and/or financial program that's right for you!

Family First Life - Financial Services

10370 SW 220 Street, Miami, FL 33190 Miami Office: (305)423-9206 New York Office (917)789-5782 50 Main Street No 3752, Kingston, NY 12401 Email: Support@fflfinancialservices.com

Hours

Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Appointments Only