We believe in the future and wish to assist you in planning for it. Our GoldenTrust staff is ready to help you develop retirement plans and annuities that will suit your financial and lifestyle objectives.

Plans for Retirement
We look forward to serving you and your family and developing a long-term relationship with you.

At Golden Trust Insurance we have an educated, devoted, and passionate team ready to educate our clients and give the proper insurance solutions, whether it is life, health, or auto insurance.

Transparency. Trust. Excellence. As one of the nation’s leading independent insurance firms, we aim to uphold these ideals.

At GoldenTrust, we believe in providing our clients with the best service, options, and solutions possible. That means we work hard to provide you with the best coverage and costs possible.

Life Insurance with Living Benefits

Most people buy life insurance to provide additional financial security to a beneficiary after they die. Unfortunately, traditional life insurance may not cover the high costs that can arise as a result of chronic, critical, or terminal illnesses.

Some insurance policy riders allow you to obtain the cash value or expedite death benefits while still alive. Additional benefit clauses (accelerated benefits riders, ABR) are optional clause alternatives that allow you to obtain all or a portion of your death benefits during your live.

There are no restrictions on life insurance with living benefits. You can use these money for any purpose once you qualify. Some of the most prevalent reasons for using living benefits from life insurance include:

• Daily care costs
• Home costs
• Home modifications
• Elderly Care
• Quality of life expenses

How do Living Benefits Work?

When a policyholder dies, the beneficiary receives the life insurance benefits. Policyholders with life insurance with living benefits can obtain a portion of their life insurance benefits if they are diagnosed with a qualifying disease and are unable to work.

These benefits will be paid in a single lump sum or can be put to an annuity that will provide an income stream over a set period of time. Policyholders can pick either expedited benefits for the entire policy or a partial benefit that allows them to keep some of their life insurance coverage. They can obtain the remaining policy money at a later date in partial instances.

A chronic, urgent, or terminal illness might result in increased expenses as well as decreased income. When the policyholder’s spending exceed his or her income, the policyholder will go into debt.

Living benefits are a safety net that GoldenTrust Insurance provides to its clients to help them through some of the most difficult financial periods they will ever face. Our team works tirelessly to assist our clients during extremely difficult times in their lives. Living benefits are a one-of-a-kind and timely offering, as well as one of the reasons our family of agents is so enthusiastic about what they do.

What Can Life Insurance with Living Benefits Cover?

If a policyholder is diagnosed as terminally ill with less than twelve months to live, life insurance with living benefits plans will pay out. Life benefits will also be available if a policyholder is diagnosed as chronically ill, suffers from cognitive impairment, or is unable to conduct two or more activities of daily living.

Before submitting a claim for life insurance for living benefits, a physician must verify that the policyholder is unable to execute two of six activities of daily living in the last 12 months.

Among these activities are:

• Bathing
• Dressing
• Eating
• Relocating
• Sanitizing
• Sphincter control

Policyholders can use these funds for experiment drugs, surgery and treatments, death preparation, or any other reason they want.

There is no waiting time and no maximum annual benefit amount that a policyholder can receive. Policies do, however, include restrictive additional benefit clauses that limit the number of benefit payouts. The life insurance policy must also be valid for at least two years.

How to Receive Living Benefits

Living benefits for critical illness and injury are classified into four categories based on the severity of the disease:

• Less
• Moderate 
• Severe 
• Potentially Fatal

The Potentially Fatal category has the largest possible payment. To get benefits, this additional clause must be valid for 30 days prior to diagnosis. Any claim must also be filed within 365 days of the qualifying event.

Providing Unbeatable Auto Insurance Coverage on All Personal Vehicle Types

ALL Florida drivers can get auto insurance from the GoldenTrust Insurance team. Our auto insurance policies include basic, personal, and family auto coverage, in addition to the more extensive protection that high net-worth individuals and classic car owners may require.

GoldenTrust Insurance will cover one or more automobiles, trucks, or SUVs, as well as give extra insurance and coverage for personal vehicles. Some common personal automobiles covered by our auto insurance include:

• Motorcycles
• Boats
• Jet skis and other personal watercraft
• RVs
• All-terrain vehicles
• Trailers

Affordable Auto Policies

With economical GoldenTrust Insurance auto premiums, there is no reason to forego coverage or quality. Our representatives deal with the greatest automobile insurance providers in the business. This allows us to give the greatest coverage at the best price based on a client’s individual demands.

With GoldenTrust Insurance – “Your Quality Insurance,” obtaining the correct coverage is simple. We can help our policyholders save a considerable amount of money, with no limitations, including citations, accidents, and DUIs.

Purchase vehicle insurance coverage to learn more about saving money on your auto insurance policy. We want you to understand how auto insurance coverage differ. You can browse information about rate differences, read recommendations, and compare insurance quotes on the instant quote page.

We also invite you to contact us via our handy email form or phone one of our knowledgeable agents for a free quotation.

5 Types of Car Insurance Coverage

Do you know what kind of auto insurance you require? Understanding the many forms of auto insurance coverage is the greatest approach to save the most money while giving the finest protection for all of your vehicles.

Liability Coverage

Liability insurance will protect a policyholder in the event of a car accident caused by their actions. This coverage covers the cost of repairing any property damage caused by an accident, as well as the medical expenditures resulting from the injuries.

Most jurisdictions will require drivers to have at least a minimum amount of liability coverage. However, it is a good idea to have liability insurance that exceeds the minimal amount for the extra protection it can provide if a driver is at fault in an accident that exceeds the minimum amount.

Collision coverage

Collision coverage pays for necessary repairs to the policyholder’s car in the event of an accident. Collision coverage will pay for the total worth of a car if it is totaled in an accident.

A collision insurance policy for an older automobile may not be worth it, depending on the vehicle’s value. For example, new and expensive vehicles with collision coverage can help drivers go back to where they were before the car was damaged. Collision coverage is required if a motorist has a lienholder who owns the title to the vehicle.

Comprehensive Coverage

When cars sustain weather damage, natural disaster damage, or are stolen, liability and collision coverage do not apply. This is expressly excluded from complete coverage.

This form of auto insurance policy can be expensive and isn’t always essential when a vehicle can be replaced. Nonetheless, the presence of anti-theft and tracking systems in the vehicle will make this sort of policy significantly more inexpensive. Vehicles having a lienholder, like collision coverage, must have comprehensive coverage.

Personal Injury Protection

It is not always necessary to have comprehensive coverage. Personal injury protection (PIP) is, on the other hand, something that every driver should consider.

Accident expenses can quickly mount up. Personal injury protection is provided to help with a driver’s medical expenditures as well as the passengers in the automobile in the event of an accident.

Uninsured/Underinsured Motorist Protection

Every driver is required by state law to have a minimum level of auto insurance coverage. Regrettably, this is not always the case. Even if the at-fault motorist has liability insurance, the minimum required may not be sufficient to pay all expenditures in an accident.

When these conditions occur, a person who is legally at-fault for an accident without insurance coverage or insufficient liability coverage is nevertheless liable for the incident’s losses. This means that the victim will either not receive money or will receive less than is required to cover the harm.

When an accident occurs as a result of an underinsured driver’s activities, uninsured and underinsured motorist protection assures that the victim can still pay for their automobile repairs, etc.

Auto Insurance Coverage From Golden Trust Insurance

When looking for auto insurance, you should compare prices from various suppliers.

To ensure a correct and accurate comparison, compare apples to apples by picking the same sort of coverage.

You may also choose to add coverages to your vehicle that are not required by the state. When adding extra coverage, make sure to include it in any prices you compare.

If you require any additional information, please do not hesitate to contact our agents at GoldenTrust Insurance.

Our insurance professionals want to advise you on the right coverage for your needs, and we offer a free estimate as part of our service.

Florida home insurance

Every house insurance policy is a package policy, which means you will receive a collection of different coverages packed into the policy for a single monthly payment. These could include coverage for both the building and your belongings within. Some insurance packages will additionally include liability and medical insurance in the event of an injury or liability concern on the property.

One of the most critical considerations you can make when purchasing a homeowner’s insurance policy is the quantity of coverage you have for your home. This is frequently a crucial component in policyholder satisfaction with their house insurance coverage. You’ll need a house insurance policy that actively protects your investment while also ensuring that your finances aren’t devastated if something unexpected happens to your property.

In each deal, price is an important consideration. When looking for the finest home insurance for your needs, always insure the home based on its replacement cost. If your home is damaged or destroyed, this is the amount you will need to repair or rebuild it. Because it frequently costs more to rebuild a home than to buy one on the open market, replacement cost provides more security than market value.

Our GoldenTrust Insurance team works with a variety of insurance companies, allowing us to shop for the BEST Florida insurance coverage at the BEST price. Your home is most likely one of your most valued things, and it is frequently the largest and most significant purchase you will ever make.

It is critical to protect your investment with insurance coverage, especially in a state like Florida, where Mother Nature can cause significant damage to a property at any time.

Different Types of Florida Home Insurance Coverage

Dwelling Coverage

This coverage will protect the overall structure of the house, including the rood and the walls.

Personal Property Coverage

Personal Property Coverage safeguards the contents of the residence. Furniture and appliance fittings are examples of commonly covered products. This type of policy will cover these valuables even if they are damaged or stolen away from home.

Other Structure Coverage

Other structure coverage is for the physical structure of structures on your property that are not attached to or physically separate from your home. This could contain detached garages, sheds, and workshops, among other things.

Liability Protection

Liability insurance can help defend and protect you if another person sues you after being harmed on your property or causing damage to their property.

Living Expense Coverage

A house insurance policy may pay additional expenses incurred as a result of habitation issues following a covered loss. This form of coverage is typically used by policyholders when they must be away from home due to rebuilding or repair, including rent, hotel stays, and meal costs.

At GoldenTrust, our company offers the following optional coverages that you can add to your home insurance policy:

• Identify Theft Protection
• Personal Injury
• Increased Replacement Costs on Dwelling
• Scheduled Personal Property

Flood insurance is not commonly covered by home insurance in Florida. As a result, getting flood insurance is critical to ensure coverage from the area’s frequent hurricanes and tropical storms. We provide the following home and flood insurance policies:

• Mid- to High-Value Homeowner’s Insurance
• Condo & Tenants Insurance
• Personal Umbrella Insurance
• Excess Flood Insurance
• Personal Inland Marine Insurance

Aside from special coverage for personal property, you can also get coverage for extremely valuable things such as stamp and coin collections, fine art, photographic equipment, collectibles, yachts, and musical instruments.

Getting The Right Health Insurance Coverage

Finding the correct health insurance plan entails first analysing your medical needs for the coming year, then looking for a plan that offers both a low premium and low out-of-pocket costs.

Obtaining a plan with a low premium can be an appealing notion for individuals who have access to cost help. However, simply analysing the insurance premium alone doesn’t always get you the best plan possible.

Health insurance provides protection in the form of preventative services as well as payment for additional care if you get ill or injured. When you sign up for a plan, your insurance company will pay a portion of your medical expenditures as long as they are for covered treatments. These things typically include doctor and hospital visits, prescriptions, testing, maternity care, and other medical-related services that you require.

A deductible, coinsurance, copayment, and an out-of-pocket limit will be included in healthcare costs. You will also have to pay a monthly fee while your health insurance plan is active.

It is not always easy to understand how medical expenditures are paid and who receives funds for your treatment. The good news is that our GoldenTrust Insurance team is here to assist you.

In addition to assisting you in finding the correct insurance, we believe in educating our clients because information is power and can assist you in making the best decisions for you and your family.

Deductible

A deductible is the amount you pay before your insurance plan begins to pay for eligible health care services.

With a $2,000 deductible, for example, you are responsible for the first $2,000 in covered services.

Even before you achieve your deductible, all Marketplace health plans cover the full cost of certain preventative services.
Certain services, including as prescription medicines, may have different deductibles in some plans.
Family plans frequently have both an individual deductible that applies to each individual and a family deductible that applies to all family members.

Copayment

A copayment, also known as a “copay,” is a set amount ($20, for example) that you pay for a health care service when you receive it. The copay amount varies depending on the type of service.

Copays for different services within the same plan, such as medicines, lab tests, and specialist appointments, can vary.

Coinsurance

Coinsurance is your portion of the cost of medical service. It’s commonly calculated as a percentage of the money we allow for service charges. After you’ve paid your plan’s deductible, you begin paying coinsurance.

GoldenTrust Insurance is a Florida-based insurance broker that assists Floridians in the community in protecting their businesses with commercial insurance. We provide the following services:

Out-of-pocket

The most you can pay for covered services in a plan year. Once you have spent this amount on deductibles, copayments, and coinsurance for in-network treatment and services, your health plan will cover 100% of the expenses of covered benefits. Your monthly premiums are not included in the out-of-pocket maximum.

Commercial Insurance

Running a business is really difficult. Owners and managers must make a variety of decisions that have a significant impact on the operation and success of a business. Choosing the right commercial insurance provider and coverage is one of these decisions.

A commercial insurance coverage is quite similar to a contract. Commercial insurance is essentially a contract in which an insurance provider commits to pay for the replacement, repair, and recovery of the value of whatever a firm insures if it is lost or damaged due to a number of circumstances.

All businesses, large and small, require some type of insurance. While certain types may not appear to be essential or relevant to a business’ industry, one tiny error without coverage might leave you bankrupt.

Commercial Auto Insurance

Commercial auto insurance can assist business owners in covering the financial consequences of ensuing auto accidents when employees are judged to be at fault. Even in the event of a deadly accident, these plans can assist pay for property damage and medical expenses.

Commercial auto insurance coverage, which cover automobiles, vans, and huge trucks, are helpful and necessary instruments. Your business may rely on commercial auto insurance to handle any circumstance that may arise.

Ensure security for your commercial vehicles when personal auto insurance cannot, whether for a fleet of vehicles or a single automobile, by working with our agents at GoldenTrust Insurance.

General Liability Insurance

The GoldenTrust staff is aware of the potential risks and liabilities that a company may face. This is why we provide general liability insurance to safeguard your organisation and its assets in the event of an unforeseen legal action. A general liability coverage will protect you from claims of bodily harm or property damage that occur at your place of work.

Our experts can help you choose the best liability coverage for your needs. We analyse every component of our insurance packages in order to present you with the best coverage possible. GoldenTrust also assists in the creation of unique, individual strategies to meet the needs of every situation.

Commercial Property Insurance

An unanticipated development is difficult enough to deal with when trying to run a business properly, let alone a scenario in which a storm or other disaster damages or destroys company property.

Catastrophic occurrences can have a significant influence on the entire well-being and operation of any business. This is where commercial property insurance can assist your company recover from loss and destruction to its assets.

With GoldenTrust commercial property insurance, you can get back to business quickly. Some plans may provide compensation for lost income or increased expenses incurred as a result of the business shutdown.

Worker’s Compensation

Almost every business requires worker’s compensation. Workers’ compensation is intended to cover medical expenses and missed wages for employees who are injured or sick on the job.

This provision will also include recovery and rehabilitation services to help employees return to work. In other cases, worker’s compensation will provide coverage for claims filed against the firm as a result of potentially hazardous employment circumstances.

Commercial Insurance Policies from GoldenTrust

GoldenTrust Insurance’s insurance agents have years of experience putting up commercial insurance policies for businesses. This provides protection in the event of unforeseen occurrences that may have a negative influence on the company’s well-being. Contact GoldenTrust Insurance today to learn more about our coverage!

Retirement Plans

We believe in the future and wish to assist you in planning for it. Our GoldenTrust staff is ready to help you develop retirement plans and annuities that will suit your financial and lifestyle objectives.

Plans for Retirement
We look forward to serving you and your family and developing a long-term relationship with you.