Life Insurance

Protecting the people who depend on you

Life insurance is about the people you would leave behind: a spouse, children, a business partner, or anyone who relies on your income. The right policy replaces that income, pays off a mortgage or debts, and gives your family time to adjust. The wrong policy costs too much or covers too little.

Maria Regeci has been a licensed Life and Health Insurance Agent since 2003. We work with the leading carriers and take the time to explain the differences, so you understand exactly what you are buying and why.

Term Life

Term insurance covers you for a set period, often 10, 20 or 30 years, at a fixed premium. It is the simplest and usually the most affordable way to protect a family during the years a mortgage is being paid and children are at home.

Permanent Life

Whole life and universal life policies are designed to last your lifetime and build cash value over time. They cost more than term but can serve long-term needs such as estate planning, final expenses, or leaving a legacy.

How Much Is Enough?

A quick rule of thumb is not a plan. We look at your income, debts, future expenses such as college, and what your family already has in place, then recommend an amount and a type of coverage that fits your budget.

Business Owners

Key-person coverage and buy-sell agreements funded with life insurance help a business survive the loss of an owner or partner. We help small business owners in Flagler County put that protection in place.

Already Have a Policy?

Needs change. A policy bought years ago may no longer match your family, your mortgage, or your retirement plans. We are happy to review existing coverage and tell you honestly whether it still fits. Contact us for a review.

*Representative is registered with and offers only securities and advisory services through PlanMember Securities Corporation (PSEC), a registered broker/dealer, investment advisor and member FINRA/SIPC. 6187 Carpinteria Ave, Carpinteria, CA 93013, (800) 874-6910. MLR Financial Company and PlanMember Securities Corporation are independently owned and operated companies. PlanMember is not responsible or liable for ancillary products or services offered by MLR Financial Company or this representative. The information presented here is for general educational purposes and is not specific to any individual’s personal circumstances. See our Disclosures.

We’re here to help answer your questions. Financial, insurance, and tax matters can be complicated. Our knowledgeable staff are on hand to help inform you of every aspect regarding your accounts. We take great pride in using our experience for you and look forward to hearing from you.