We specialize in protecting your family from financial disaster through life and health insurance and saving U.S. businesses money utilizing the most modern supplemental health insurance offerings in the industry.
We offer comprehensive life & health insurance solutions throughout Florida
Life insurance in Sarasota will make sure that your loved ones will be taken care of in the event of your passing.
learn moreHealth insurance in Sarasota provides financial protection for health care costs. We work hard to secure the best benefits possible for your family.
learn moreWe help U.S. Companies boost their bottom line profits through top tier benefits designed with employee satisfaction in mind.
learn moreBlue Wave Financial is a leading distributor of life and health insurance products throughout the US. Our foundation was built in 2010 on Mortgage Protection, Life and Health Insurance products and has greatly expanded to help U.S. businesses in boosting their Profits and EBITA with No-Net Cost solutions.
Read more about usAre you tired of the 9-5 Rat Race? Commuting, Traffic, and spending little free time with family and friends? Becoming an Insurance Agent may be one of the best decisions of your career.
Everyone needs insurance and if you have a passion to help people, this may just be the career you’ve been looking for.
The best question to ask yourself is “Do I have anyone dependent on my income to sustain their standard of living?” In other words, when you pass away, would those dependent on your income have the ability to pay for rent or mortgage payments and other bills? What other financial obligations would they need help with? If the money you have set aside is more than what they need, you might not need life insurance. If you do not have enough set aside currently, then you should consider what life insurance options work best for you and your needs.
Term life insurance is the simplest form of life insurance. It provides a death benefit for the insured for a specific period of time. (the "term"), such as 10, 15 or 20-30 years. Term life insurance is a great option for individuals needing the most cost effective way to get the most amount of coverage. Term is also frequently used for mortgage protection coverage.
Generally, Term Life Insurance does not build cash value. There are specific term policies offered by carriers that may have a return of premium option. These are best for typically younger clients looking to have the death benefit protection but also have the ability to get their money back if they outlive the initial term.
Permanent life insurance is designed to provide protection for the entire life of the insured person, as long as the premiums are paid. There are many different versions and variations of permanent insurance. At Blue Wave Financial, we offer both whole life and universal life insurance policies.
While we believe it is best to start as young as possible, we offer policies up to age 89.
Absolutely. We offer many policy options for children. Premiums will be less the younger you are and life insurance is a great gift to the younger generation in your family. In many cases, you can lock in low childhood rates that never increase and guarantee coverage throughout adulthood regardless of future health or occupation.
Payroll optimization is a cost containment strategy that helps business owners boost their profits and EBITA with no-net cost solutions designed to enhance current employee benefit offerings.
For more information on working with Blue Wave Financial please use any of the links provided to schedule a time to speak with us.