Life Insurance

Get coverage built to protect your life & family.

Barakat Insurance is more interested in fitting your needs, regarding a life policy. Understand, that life policies are individually based.  Everyone has different needs – either for final expense or family.  Read on to see all that Barakat Insurance has to offer.

Coverage &

Get your documents and support with your online account at Barakat.


Learn how you can save on Life insurance by browsing different types of policies.

Want to make a Claim?

Get helpful information about filing a to use your life policy with Barakat.

What type of Life Policies are there?

It depends on what you are looking for to cover.  There are hundreds of life policies, and many are designed to cover certain aspects of your life.  Some are the following;

Term Policies
Permanent Policies
Whole Life
Final Expense
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner.
If you outlive your term life insurance policy, the funds are forfeit. ... The premiums from individuals who don't die while their policies are in force ultimately support the generous payouts that insurance companies can pay to those who do.
Generally, you can withdraw a limited amount of cash from your whole life insurance policy. In fact, a cash-value withdrawal up to your policy basis, which is the amount of premiums you've paid into the policy, is typically non-taxable. ... A cash withdrawal shouldn't be taken lightly.
Generally, if you have no other options, your life insurance coverage will end when you leave your job. That means you'll need to apply for new coverage (either at your new job or independently from a life company or broker) based on your current age and health status.
Most term life insurance policies last 10, 20 or 30 years, but many companies offer additional five- or 10-year increments, some up to 35 or 40 year terms. For example, a 20-year term policy covers you for 20 years from date of purchase, as long as you keep paying the premiums.
If a loved one dies and has an existing life insurance policy, it may be used to pay for the funeral services. A family member simply needs to bring the policy information when they meet with the funeral home, who will handle all the paperwork to claim the benefit on their behalf.

Still have any problems & seeking solutions?

For any inquiries relating life insurance, please feel free to contact us.  We are there to assist.

Head office address:

2722 13th Street
Saint Cloud, FL 34769

Call for help:

(407) 705-3877 Off
(407) 705-3878 Fax

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