INSURANCE

Personal Life Insurance vs. Business Life Insurance

Personal Life Insurance

Purpose: Provides financial security to an individual's family or beneficiaries in the event of the policyholder's death.
Beneficiaries: Typically family members or other personal dependents.
Coverage Types: Includes term life, whole life, and universal life insurance.
Uses: Pays for funeral costs, outstanding debts, living expenses, and future financial needs like children's education.

Business Life Insurance

Purpose: Protects a business from financial loss due to the death of an owner, partner, or key employee.
Beneficiaries: Usually the business itself or business partners.
Coverage Types: Often includes key man insurance and buy-sell agreement policies.
Uses: Covers loss of revenue, costs of hiring and training a replacement, and ensures business continuity. In a buy-sell agreement, it can fund the purchase of a deceased owner's share of the business.

Mortgage Protection

The structure of your home
Replacement costs
Personal possessions (up to a set limit)
Living expenses in case of a disaster
Liability

Homeowner’s coverage doesn’t have to be difficult to understand. A basic

Tomorrow Homeowners Insurance Policy will cover the following:

Life Insurance Employee life insurance is a valuable benefit that provides financial protection to your employees' families in the event of an untimely death. We offer customizable life insurance plans that ensure your employees' loved ones are taken care of, fostering loyalty and peace of mind among your workforce.

Health Insurance Ensure your employees have access to quality healthcare with our comprehensive health insurance plans tailored to meet their diverse needs.

Key Man Insurance Our policies provide financial stability and cover the costs of finding and training replacements, ensuring your business remains resilient and thriving.

We offer comprehensive small business insurance solutions to safeguard your company from unexpected events. Our policies cover property, liability, and employee-related risks, ensuring your business remains secure and resilient.

Small
Business

HOURS & LOCATION

Mailing Address

PO Box 1245

Riverview, FL 33568

edpennbenefits@aol.com

Tel: 813-333-8065 (FL)

210-675-7366 (TX)

Fax: 210-547-7773

Hours

Monday - Saturday

8:00 am to 5:00 pm

Evenings by Appointment

Family Insurance

Life Insurance Ensure your loved ones are financially protected with our comprehensive life insurance plans.

Health Insurance Access quality healthcare with our flexible health insurance options tailored to meet your needs.

Dental Insurance Maintain your oral health with our affordable dental insurance plans covering routine check-ups and major procedures.

Vision Insurance Keep your vision sharp with our vision insurance plans, covering eye exams, glasses, and contact lenses.

Personal Accident Insurance Protect yourself from unforeseen accidents with our personal accident insurance, providing financial support for medical expenses and recovery.

Living Benefits Insurance Benefit from coverage that provides financial assistance during serious illness or injury with our living benefits insurance.

You can also add supplemental policies such as:

Valuable Articles/Floater policies

(i.e. Jewelry Insurance)

Flood policies
Umbrella policies (additional liability)

Church/Non-Profit

We strive to be a warm and welcoming community for all. Our mission is to spread love, hope, and faith through our actions and words. We offer a variety of worship services, community outreach programs, and spiritual growth opportunities. Whether you are new to the area, seeking a deeper connection with God, or looking for a community to belong to