10418 Plaza Centro, Boca raton, FL 33498

askus@dare2careinsurance.com

(561) 902-3493

The Smart Choice for Life Insurance You Can Count On

Protect The Ones You Love

Protect The Ones You Love

The Smart Choice for Life Insurance That You Can Count On

Our Trusted Partners

Our Trusted Partners

The Challenges of Getting a Life Insurance Policy

Premium Costs:

One of the biggest drawbacks to life insurance is cost, especially for those who are older or have pre-existing medical conditions. Life insurance premiums can be expensive and the amount you pay largely depends on your age, health conditions, lifestyle and type of policy you choose. So you need an agency that's able to compare multiple carriers to find the best options and price for you!

Complex Options:

Choosing the right insurance policy can be tough. There are many options to choose from: whole life, term and indexed universal life just to name a few. You will need to weigh options for different types of policies and their costs. This can result in information overload for those unfamiliar with life insurance policy jargon, which adds additional strain to the buying experience. So you need an agency that takes the time to educate and explain all your insurance options in a down-to-earth, digestible manner!

Policy Limitations:

Some life insurance policies have limitations on coverage, such as exclusions for certain medical conditions or activities. This can make it challenging for individuals in poor health or with certain hobbies to find coverage that meets their needs. So you need an experienced agency that is capable of matching carrier risk requirements with individual client needs!

Premium Increases:

Depending on the insurance product, the cost of life insurance premiums may increase over time, which can be hard to manage for policyholders who may have unwittingly purchased a policy with an initial low premium rate but later find themselves paying 10x more for coverage. So you need an honest agency that focuses less on commissions and more on choosing the right product for the right time in your life!

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat."

John Smith, Designer

Our Top Rated Carriers

Our Top Rated Carriers

The Challenges of Getting a Life Insurance Policy

Premium Costs:

One of the biggest drawbacks to life insurance is cost, especially for those who are older or have pre-existing medical conditions. Life insurance premiums can be expensive and the amount you pay largely depends on your age, health conditions, lifestyle and type of policy you choose. So you need an agency that's able to compare multiple carriers to find the best options and price for you!

Complex Options:

Choosing the right insurance policy can be tough. There are many options to choose from: whole life, term and indexed universal life just to name a few. You will need to weigh options for different types of policies and their costs. This can result in information overload for those unfamiliar with life insurance policy jargon, which adds additional strain to the buying experience. So you need an agency that takes the time to educate and explain all your insurance options in a down-to-earth, digestible manner!

Policy Limitations:

Some life insurance policies have limitations on coverage, such as exclusions for certain medical conditions or activities. This can make it challenging for individuals in poor health or with certain hobbies to find coverage that meets their needs. So you need an experienced agency that is capable of matching carrier risk requirements with individual client needs!

Premium Increases:

Depending on the insurance product, the cost of life insurance premiums may increase over time, which can be hard to manage for policyholders who may have unwittingly purchased a policy with an initial low premium rate but later find themselves paying 10x more for coverage.

So you need an honest agency that focuses less on commissions and more on choosing the right product for the right time in your life!

The D2C Insurance Group Difference

Dare 2 Care (D2C) Insurance Group believes that everyone should have access to high-quality, affordable life insurance. We broker multiple carriers to provide our clients with an array of affordable insurance options to choose from. Our agents are nationally licensed with years of experience in designing policies to fit our client's unique needs, budget and circumstance. We're committed to helping you find the right policy for the right time in your life. We don't just do things differently, we do them right!

Here’s why our clients love purchasing life insurance policies from us:

01

More Affordable Policies:

We offer affordable life insurance policies tailored to meet the individual needs of our clients. At D2C Insurance Group, we work hard to provide policies that are both practical and affordable. Whether it's whole life or term life insurance we're committed to finding you a policy that's within your budget. Our policies also come with several complimentary riders, such as critical & terminal illness coverage, so we're able to find you a policy that best fits your needs.

02

Better Coverage:

With a life insurance policy from D2C Insurance Group, you will always receive coverage from "A" rated carriers and the "A" rating is the highest rating a carrier can receive in this industry. It not only speaks to their longevity in the business but also their financial strength. This means that you can have peace of mind knowing that your loved ones will receive the financial protection intended for them in the wake of your passing.

03

Protection for Your Family:

You have loved ones who depend on you for financial support and that's why a life insurance policy with

D2C Insurance Group is essential. It can help ensure your loved ones are taken care of upon the inevitable time of your passing. This monetary death benefit will provide necessary financial support to your family while they are still grieving and can be used to help cover all expenses incurred at the time such as: funeral costs, mortgage payments, estate taxes and living expenses. These funds could possibly be the only financial support they'll have during this difficult time.

Are You Ready to Protect the Ones You Love?

With any financial decision, it’s important to do your research and find the best quality product for the best value. At D2C Insurance Group, we’ve made this process fast and simple so you'll be able to start your new financial journey as quickly as possible.


Here’s how you can start your insurance journey today:

  • Click "Get Your Free Quote" and Fill out our online form.

  • We'll contact you with a FREE customized quote.

  • After our consultation, you'll be on the path to financial security.

The D2C Insurance Group Difference

Dare 2 Care (D2C) Insurance Group believes that everyone should have access to high-quality, affordable life insurance. We broker multiple carriers to provide our clients with an array of affordable insurance options to choose from. Our agents are nationally licensed with years of experience in designing policies to fit our client's unique needs, budget and circumstance. We're committed to helping you find the right policy for the right time in your life. We don't just do things differently, we do them right!

Here’s why our clients love purchasing life insurance policies from us:

01

More Affordable Policies:

We offer affordable life insurance policies tailored to meet the individual needs of our clients. At D2C Insurance Group we work hard to provide policies that are both practical and affordable. Whether it's whole life or term life insurance we're committed to finding you a policy that's within your budget. Our policies also come with several complimentary riders, such as critical & terminal illness coverage, so we're able to find you a policy that best fits your needs.

02

Better Coverage:

With a life insurance policy from D2C Insurance Group, you will always receive coverage from "A" rated carriers and the "A" rating is the highest rating a carrier can receive in this industry. It not only speaks to their longevity in the business but also their financial strength. This means that you can have peace of mind knowing that your loved ones will receive the financial protection intended for them in the wake of your passing.

03

Protection for Your Family:

You have loved ones who depend on you for financial support and that's why a life insurance policy with D2C Insurance Group is essential. It can help ensure your loved ones are taken care of upon the inevitable time of your passing. This monetary death benefit will provide necessary financial support to your family while they are still grieving and can be used to help cover all expenses incurred at the time such as: funeral costs, mortgage payments, estate taxes and living expenses. These funds could possibly be the only financial support they'll have during this difficult time.

How To Get Started

In any financial decision, it’s important to get the best deal. At D2C Insurance Group, we’ve made the process simple and fast so you can start on your new financial journey soon.

Here’s how you can get your free customized quote:

  • Fill out our online form.

  • Schedule a meeting with us.

  • After the meeting, receive your free quote.

How To Get Started

With any financial decision, it’s important to do your research and find the best quality product for the best value. At D2C Insurance Group, we’ve made this process simple and fast so you'll be able to start your new financial journey as quickly as possible.

Here’s how you can start your insurance journey today:

  • Click "Get Your Free Quote" and Fill out our online form.

  • We'll contact you with a FREE customized quote.

  • After our meeting, you'll be on the path to financial security.

"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat."

John Smith, Designer

Why Clients Trust D2C Insurance Group

When it comes to protecting your loved ones’ financial future, you need a life insurance provider that you can trust. At D2C Insurance Group, we are committed to providing our customers with the best possible coverage and service at the most affordable cost. Here are some reasons why you can trust us with all of your life insurance needs:

Dependable

AtD2C Insurance Group we think it's important to have an agent you can truly count on. That's why our clients have direct access to their assigned agent 24-7. It's also why as a D2C Insurance Group client you will never have to haggle with insurance carriers or waste your time waiting to get through on the phone to a carrier for policy updates, questions or changes, because your assigned agent will do this for you. We are serious about our commitment to you, your family and your beneficiaries for the life, from beginning to end.

Safe

We realize with so many different insurance, agencies, agents and carriers to choose from that safety is a major concern for potential clients. This is why, as a state licensed entity D2C Insurance Group only offers an "A" rated insurance carrier list for our clients to choose from. This is the highest rating that can be received in the industry and it signifies longevity and financial strength; the 2 most important factors to consider when choosing a life insurance carrier to protect your family. Take a look at some of our "A" rated carriers

Secure

With agents licensed in over 25 States, we understand the challenges of conducting business remotely in the most secure way. That's why our team is obsessed with client security. In addition to all of our client transactions being processed through a secure server, every single client also receives from us a redacted hard copy of all electronic documents submitted online or over-the-phone, in addition to their policy paperwork which is delivered separately by each carrier. We feel this check & balance system is necessary to ensure client security and instill confidence in our brand.

Why Clients Trust D2C Insurance Group

When it comes to protecting your loved ones’ financial future, you need a life insurance provider that you can trust. At D2C Insurance Group, we are committed to providing our customers with the best possible coverage and service. Here are some reasons why you can trust us with your life insurance needs:

Dependable

AtD2C Insurance Group we think it's important to have an agent you can truly count on. That's why our clients have direct access to their assigned agent 24-7. It's also why as a D2C Insurance Group client you will never have to haggle with insurance carriers or waste your time waiting to get through on the phone to a carrier for policy updates, questions or changes, because your assigned agent will do this for you. We are serious about our commitment to you, your family and your beneficiaries for the life, from beginning to end.

Safe

We realize with so many different insurance, agencies, agents and carriers to choose from that safety is a major concern for potential clients. This is why, as a state licensed entity D2C Insurance Group only offers an "A" rated insurance carrier list for our clients to choose from. This is the highest rating that can be received in the industry and it signifies longevity and financial strength; the 2 most important factors to consider when choosing a life insurance carrier to protect your family. Take a look at some of our "A" rated carriers

Secure

With agents licensed in over 20 States, we understand the challenges of remotely conducting business in the most secure way. That's why our team is obsessed with client security. In addition to all of our client transactions being processed through a secure server, every single client also receives from us a redacted hard copy of all electronic documents submitted online or over-the-phone, in addition to their policy paperwork which is delivered separately by each carrier. We feel this check & balance system is necessary to ensure client security and instill confidence in our brand.

The D2C Insurance Group Value

Here at D2C Insurance Group we offer various types of life insurance policies tailor made for each client, plus so much more. Explore some of the core and elective products that our clients have come to know and trust us for:

Final Expense Insurance:

Final expense insurance, also known as burial insurance, is a type of life insurance that is specifically designed to cover costs associated with a funeral and other final expenses. Coverage amounts are typically lower, ranging from $5,000 - $50,000, and the insurance is easier to qualify for than traditional life insurance. This insurance offers clients guaranteed acceptance and is well suited for the senior market.

Learn more about Final Expense insurance

Whole Life vs Term Insurance:

Knowing the difference between whole life insurance and term insurance is essential when considering the purchase of a life insurance policy. Each type of insurance serves a different purpose and carries distinct features for separate times in your life. This makes it crucial to understanding the contrasting characteristics between these two insurance types and determining which one aligns with your current needs & goals.

Learn more about the difference between Whole Life & Term Insurance

Mortgage Protection Insurance (MPI not PMI):

Mortgage protection insurance (MPI) is a type of insurance much different from Private Mortgage Insurance (PMI). It's designed to protect homeowners and their families from unforeseen circumstances that may impact their ability to make on-time mortgage payments. MPI protects you & your family, while PMI only protects your lender. Since a mortgage is often the largest financial obligation incurred by many homeowners, MPI is vital in providing a financial safety net. It protects your legacy by ensuring your mortgage payments will be covered in the event of a disability, critical illness, or even death.

Learn more about MPI

Annuities:

An annuity is a financial product often used in retirement planning to help protect & grow your financial assets. Annuities provide a regular income stream in exchange for a lump sum payment or regular scheduled payments. It can also provide a consistent source of income capable of supplementing other retirement savings, such as pensions, Social Security, or 401(k) distributions. Annuities can be attractive to clients who are not comfortable with market volatility and prefer a more conservative approach to their investments since certain types of annuities offer a guaranteed interest rate and a predictable income stream. Call us to Learn more about annuities

Surety Bonds:

We are committed to providing comprehensive financial protection to individuals and businesses alike. As a trusted life insurance broker and provider of surety bonds, we understand the importance of safeguarding your business and mitigating risk. We know that businesses require reliable bonding solutions to meet contractual obligations and comply with industry regulations. So, if your occupation requires a surety bond, we are here to guide you through the process and secure the bond you need efficiently and affordably with IN-HOUSE FINANCING programs and INTEREST FREE installment options available.

Learn more about Surety Bonds & get an instant quote

At D2C Insurance Group, we are devoted to helping you and your family find the right insurance products, at the right price for the right time in your life. With years of experience and hundreds of happy clients, you can feel confident in relying on our expertise to help you navigate the delicate journey of choosing the perfect life insurance to protect your family. Reach out to us today to see how we can help!

The D2C Insurance Group Value

Here at D2C Insurance Group we offer various types of life insurance policies tailor made for each client, plus so much more. Explore some of the core and elective products our clients have come to know and trust us for:

Final Expense Insurance:

Final expense insurance, also known as burial insurance, is a type of life insurance that is specifically designed to cover costs associated with a funeral and other final expenses. Coverage amounts are typically lower, ranging from $5,000 - $50,000, and the insurance is easier to qualify for than traditional life insurance. This insurance offers clients guaranteed acceptance and is well suited for the senior market. Learn more about Final Expense insurance

Whole Life vs Term Insurance:

Knowing the difference between whole life insurance and term insurance is essential when considering the purchase of a life insurance policy. Each type of insurance serves a different purpose and carries distinct features for separate times in your life. This makes it crucial to understanding the contrasting characteristics between these two insurance types and determining which one aligns with your current needs & goals. Learn more about the difference between Whole Life & Term Insurance

Mortgage Protection Insurance (MPI not PMI):

Mortgage protection insurance (MPI) is a type of insurance much different from Private Mortgage Insurance (PMI). It's designed to protect homeowners and their families from unforeseen circumstances that may impact their ability to make on-time mortgage payments. MPI protects you & your family, while PMI only protects your lender. Since a mortgage is often the largest financial obligation incurred by many homeowners, MPI is vital in providing a financial safety net. It protects your legacy by ensuring your mortgage payments will be covered in the event of a disability, critical illness, or even death. Learn more about MPI

Annuities:

An annuity is a financial product often used in retirement planning to help protect & grow your financial assets. Annuities provide a regular income stream in exchange for a lump sum payment or regular scheduled payments. It can also provide a consistent source of income capable of supplementing other retirement savings, such as pensions, Social Security, or 401(k) distributions. Annuities can be attractive to clients who are not comfortable with market volatility and prefer a more conservative approach to their investments since certain types of annuities offer a guaranteed interest rate and a predictable income stream for life. Call us to Learn more about annuities

At D2C Insurance Group, we are devoted to helping you and your family find the right insurance products, at the right price for the right time in your life. With years of experience and hundreds of happy clients, you can feel confident in relying on our expertise to help you navigate the delicate journey of choosing the perfect life insurance to protect your family. Reach out to us today to see how we can help!

Frequently Asked Question

What is life insurance?

Life insurance is a contract between an individual and an insurance company. In exchange for regular premium payments, the insurance company provides a lump-sum payment (death benefit) to the designated beneficiaries upon the policyholder's death.

Why do I need life insurance?

Life insurance offers financial protection to your loved ones in the event of your death. It helps replace lost income, covers debts, pays for funeral expenses, and can provide for your family's future needs.

What types of life insurance are available?

The two primary types of life insurance are:   

- Term life insurance: Provides coverage for a specific term (e.g., 10, 20, or 30 years). It is generally more affordable and offers a death benefit without any cash value component.   

- Permanent life insurance: Provides coverage for your entire life and includes a savings or investment component. Examples include whole life, universal life, and variable life insurance.

How much life insurance do I need?

The amount of life insurance you need depends on various factors such as your income, debts, dependents, and financial goals. A general guideline is to have coverage that is 7-10 times your annual income, but it's recommended to assess your specific needs with an insurance professional.

How are life insurance premiums determined?

Life insurance premiums are determined based on several factors, including your age, health, lifestyle habits (such as smoking), occupation, coverage amount, and the type of policy you choose. Generally, younger and healthier individuals pay lower premiums.

Can I change my life insurance coverage or beneficiaries?

Yes, you can usually change your coverage amount, beneficiaries, and other policy details. Review your policy terms or consult with your insurance provider to understand the specific procedures for making changes.

Is a medical exam required to get life insurance?

Many life insurance policies require a medical exam, especially for higher coverage amounts. The exam helps the insurance company assess your health and determine the premium rate. However, there are also options like "no medical exam" or "simplified issue" policies that require less or no medical underwriting.

Can I have multiple life insurance policies?

Yes, it is possible to have multiple life insurance policies. Some individuals choose to have a combination of term and permanent life insurance policies to meet different financial goals or provide specific coverage during different stages of life.

Will my life insurance premiums increase over time?

For term life insurance, premiums are typically fixed for the duration of the policy. However, some term policies have the option for annual renewable term, where premiums increase each year. Permanent life insurance premiums are usually higher initially but remain level throughout the policy's lifetime.

Is life insurance taxable?

 In most cases, the death benefit paid to beneficiaries is tax-free. However, if the policy has an investment component and you withdraw funds or surrender the policy, there may be tax implications. It's best to consult with a tax professional for specific guidance.

These FAQs provide general information. It's important to consult with a qualified insurance professional to understand the specifics of life insurance and get help determining the best options for your individual needs.

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