Personal Insurance
Palomino Insurance Group
Florida Health, Life & Business Insurance
Proudly Serving Florida Since 1986!
Answer a few questions and we will
provide you with a quote by email or
phone. Choose the Florida personal
or business insurance coverage
you're interested in from the menu
above.
Palomino Insurance Group Corp.
7515 S.W. 32nd Street
Miami, Florida 33155
Miami-Dade County, FL
(305) 267-0000
Fax (305) 267-0004

International
Life Insurance
Palomino Insurance Group Corp.
Copyright 2006-2008 All rights reserved
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International Term and Universal Life Insurance
Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A
person should have life insurance that approaches six to eight times their
annual gross income. Under current laws, there is generally no federal
income tax on death benefits paid to a named beneficiary.
Using the strength and experience of our life
insurance markets, we offer affordable term life
and universal life insurance policies.
Term Life Insurance Information
Life insurance coverage for a specified length of
time. A term life insurance policy is usually
purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face
value of the policy upon the insured (your) death.
Term life is attractive for those with a limited
income, high short term insurance needs, or for
personal family protection.
If the insured survives the time period, the policy
expires. There is no cash value at the expiration of
a term life insurance policy. Some policies have a
convertible feature permitting a policyowner to
exchange a term policy for a cash value policy
without evidence of insurability.
Level Term Life Insurance Policy Features
A constant death benefit and a level premium for a
specified number of years. We offer 10, 15, 20, and 30
year terms.
Decreasing Term Life Insurance Policy Features
Has a decreasing death benefit and a level premium.
Click on the link below to fill out a quote request form for an
International Term Life Insurance policy that will provide excellent life
insurance coverage at an affordable cost. Or speak with our
Personal Insurance Specialist at (305) 267-0000 to discuss the
features.
Click on one below to learn more!
International Universal Life Insurance Information
A flexible premium policy that combines protection against premature
death with a savings account that typically earns a money market rate of
interest. A universal life insurance policy is a combination of term life
insurance protection with the cash savings value of whole life insurance.
Interest rates paid on the cash value are typically higher than with whole
life insurance because they tend to follow the markets.

Premiums for universal life insurance policies can be paid in a lump
sum, annually, or anywhere in between. Interest on the cash value is
usually guaranteed, but will vary according to the investment
performance. Each month deductions are made from the cash value
fund to support the costs of the insurance protection. As long as the
cash value is substantial enough to maintain the monthly costs, the
policy will remain in force. Typically the death benefit reduces in
proportion to the increase in cash value, thus causing a level death
benefit.
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
Click on the link below to fill out a secure quote request form for an
International Universal Life Insurance policy that will provide excellent
life insurance coverage at an affordable cost. Or speak with our
Personal Insurance Agent Specialist at (305) 267-0000 to discuss the
features.
We are your local Miami, Florida insurance agency, offering affordable
international life insurance services in the following cities and counties: Coral
Gables, Kendall, Richmond Heights, Pinecrest, Howard, Coral Way Village,
Westchester, Westwood Lakes, Brownsville, Sweetwater, Key Biscayne,
North Bay Village, Miami Beach, Miami Springs, Virginia Gardens, Hialeah, El
Portal, Miami Shores, Medley, Indian Creek, Surfside, Bal Harbour, North
Miami, Biscayne Park, Pinewood Park, Opa Locka, Bunche Park, Hialeah
Gardens, Palm Springs North, Carol City, Norland, Ojus, Miami Lakes,
Biscayne Gardens, Hallandale, Sunny Isles Beach, Golden Beach, Aventura,
Uleta, Miramar, Pembroke Pines, North Miami Beach, Hallandale Beach, Ives
Estates, Pembroke Park, Hollywood, Dania Beach, Cooper City, Davie, West
Miami, Weston, Plantation, Playland Isles, Melrose Park, Lauderhill, Sunrise,
Tamarac, Fort Lauderdale, Wilton Manors, Oakland Park, Lauderdale Lakes,
Sea Ranch Lakes, Pompano Beach, Margate, Coral Springs, North
Lauderdale, Lighthouse Point, Hillsboro Beach, Coconut Creek, Deerfield
Beach, Boca Raton, The Hamptons, Highland Beach, Boca West, Delray
Beach, Boca Pointe, Boynton Beach, Lantana, Rainbow Lakes, Atlantis, Lake
Worth, South Palm Beach, Palm Springs, Greenacres, Wellington, Haverhill,
Palm Beach, Golden Lakes, Riviera Beach, Glen Ridge, West Palm Beach,
Lake Park, Royal Palm Beach, Jupiter, Juno Beach, North Palm Beach,
Loxahatchee, Belle Glade, Palm Beach Shores, South Miami, Cutler Ridge,
Princeton, Perrine, Naranja, Homestead, Florida City, Leisure City, Miami-
Dade County, Broward County, Palm Beach County, FL. We also offer
international life insurance services in the remainder of Florida, including
Orlando, Jacksonville, Lakeland, and the Tampa Bay area.
SSL Secure
SSL Secure
This international life insurance will cover you in
the country where you reside, while traveling to
other countries, or if you wish to be treated for
any medical condition in the United States.