Welcome to Insurance World

   Why do you need insurance? There are several answers to this question.

   On the one hand, insurance is mandatory in a number of cases, such as when obtaining a mortgage loan, for purchasing a car and some other types of property on credit, when opening a business and obtaining the necessary licenses for doing business, for owning and operating personal automobiles, watercraft and aircraft, or for using other equipment that is a source of increased danger.

   In these cases, insurance is mandatory, and if it is perceived by the client as compulsory, then it is usually in his/her interests to find the cheapest insurance policy.

   In other cases, insurance is not mandatory, but is advisable and desirable when the costs of insurance are lower than those that would have to be incurred in the event of insured events, which are an inevitable daily routine in the realities of modern life. These benefits are particularly evident for government-funded insurance plans such as the Affordable Care Act or Medicare for seniors. 

   In this case, it is in the client's interests to find an insurance policy that would, with minimal personal costs, maximally cover those insurance events to which a particular client is most exposed.

   In the third case, the client may experience significant uncertainty and high anxiety for one reason or another regarding the high probability of occurrence of certain insurance events, the losses from which he/she would like to avoid.

   In this case, the client needs help to find an insurance policy that would cover the risks of concern to the maximum extent with minimal costs applicable to a specific personal situation.

   And finally, the last case is the category of clients who would like the insurance of the risks they are interested in to be associated not with costs for them, but with the receipt of additional profit. This type of insurance is a symbiosis of insurance and investment, when the client’s insurance premiums are invested by the insurance company in the investment market, and only part of the dividends received from investments is spent on financing of the insurance. In this case, the client increases his/her capital while being insured! An example of such insurance could be Universal Indexed Life insurance.

   What is the mission of the insurance agent in all these scenarios?

   The fact is that insurance companies calculate the amount of insurance premiums for potential clients differently depending on their individual situation, such as age, illness, credit history, nature of business and professional activity, qualifications and income, and so on, as well as their place of residence. In other words, for the same client and for insuring the same risks, different insurance companies can determine different amounts of insurance premiums! In these realities, the task of an insurance agent is to find on the insurance market an insurance policy for a specific client that would, at its minimum cost, maximally cover the insured risks. In any case, we, the Insurance World insurance agency, understand our mission exactly this way!

   If the concept of our insurance agency appeals to you and we have convinced you that we are able to very accurately and correctly understand your interests when choosing an insurance policy, then leave an application for insurance            .

Insurance in Our Life

   At Insurance World, we provide comprehensive insurance solutions for all lines of business from our office in Jacksonville, FL, with dedicated multi-lingual services to cater to our diverse clientele. Our experienced team is committed to understanding your unique needs and delivering tailored insurance solutions, ensuring peace of mind for individuals and businesses.