Protect today. Plan for tomorrow.
Life insurance and annuity options, explained in plain English — by a local licensed agent, with no pressure.
Life changes. Your protection should keep up.
Families grow, retirement gets closer, and sometimes it's simply time to make sure the people and plans that matter most are protected.
Curbello Health Consultant helps you explore life insurance and fixed annuity options without pressure or confusing financial terms. We're based in Palm Beach County and serve clients across Florida. A conversation and a personalized illustration cost you nothing — so let's see what your options could look like.
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More than a death benefit
Life insurance helps protect the people you care about — and depending on the policy, it may also offer benefits you can use while you're living.
Term life insurance
Coverage for a set period, often 10, 20 or 30 years. It's usually the most affordable way to protect:
- Your family's income
- Your mortgage
- Your children's education
- Other financial needs that won't last forever
Term focuses on the death benefit and generally doesn't build cash value.
We offer: term life · return of premium term · mortgage protection
Permanent life insurance
Designed to last your whole life when properly funded and kept in force. Some policies also build cash value with tax advantages. Permanent coverage can help with:
- Family and legacy planning
- Final expenses
- Lifelong protection
- Extra financial flexibility and estate-planning goals
We offer: whole life · final expense · indexed universal life (IUL) · guaranteed issue
Benefits you may be able to use while living
Many policies offer optional living-benefit or long-term care riders.
Depending on the policy and your situation, these riders may let you use part of your death benefit if you're diagnosed with a qualifying terminal, chronic or critical illness, or need long-term care.
Benefits, qualifying conditions, costs and limitations vary by policy. Using an accelerated benefit generally reduces the amount left for your beneficiaries.
Protection with a purpose
A fixed annuity is an insurance contract designed to help protect your principal, earn interest and potentially create income for the future.
A fixed indexed annuity may earn interest based partly on a market index. Your money isn't invested directly in the stock market, and crediting terms — like caps, participation rates and spreads — can limit growth.
Depending on the contract, a fixed annuity may offer:
- Protection from direct stock-market losses
- Tax-deferred growth
- Guaranteed minimum contract values
- Optional income benefits
- The potential for guaranteed lifetime income
- Options for your beneficiaries
Help with the costs health insurance leaves behind
Hospital indemnity
Pays a set cash benefit for covered hospital stays. You decide how to use it — deductibles, copays, travel or bills at home.
Home health care
Coverage designed to help with the cost of in-home care and support, so you can stay comfortable and independent at home.
Supplemental plans are not a replacement for health insurance or Medicare. Benefits and limitations vary by policy.
Why start with an illustration?
An illustration turns insurance language into real numbers, so you can compare products, assumptions and tradeoffs before you decide.
An illustration is not a promise that non-guaranteed values will happen. There's no cost and no obligation to review one.
An illustration can show:
- Your proposed premium or deposit
- Available death benefits
- Guaranteed and non-guaranteed values
- Potential cash-value growth
- Income options
- Rider costs and benefits
- Surrender periods and access to your money
See what your options look like
You don't need to know which product you want before you call — that's what the conversation is for. We start with your goals, explain your options and prepare an illustration when it makes sense.
Before recommending anything, we talk through:
- Who and what you want to protect
- How long you need coverage to last
- Your budget for premiums or deposits
- Your health and age, which affect eligibility and price
- Any coverage you already have
- Your retirement savings goals
Curbelo Healthcare LLC, doing business as Curbello Health Consultant, is an independent insurance agency based in Palm Beach County, serving clients in Florida, where licensed (FL License G114712). Life insurance and annuity products are subject to availability, eligibility, underwriting, suitability requirements and insurance-company approval. Riders may involve additional costs and are subject to contract conditions. Annuities are long-term products that may have surrender charges and are not FDIC insured. Guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. This information is educational and is not legal, tax, investment or financial advice.
Let's protect what matters most
A short conversation and a no-cost illustration are all it takes to see your options.