MCF
Life
At Massey, Clark, Fischer our team is happy to go far beyond being simple Florida insurance Agents—we aim to be the insurance leaders you trust to protect your most valuable asset—your life.
From providing you with reliable Florida auto insurance, home and business coverage, we are prepared and awaiting the chance to take it to the next level by insuring something truly irreplaceable: your life with our inclusive Florida life insurance solutions.
We know that finding the best life insurance program can get confusing—and even a bit overwhelming at times.
From having to weigh the pros and cons of term life insurance versus whole, universal and variable and beyond—it’s easy to get lost amongst the terminology and coverage differences.
By helping you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime; we vow to secure you a tailored Florida life insurance plan you can rely on.
Term Life Insurance Basics: Coverage for a “term” or period of your life. Lower premiums for higher coverage. Rates can change after specific terms expire. No equity – policy has no cash value.
Whole Life Insurance Basics: Exactly like it says – permanent, not for a specific period. Protection carries with you your whole life. Can build equity and have cash value. Higher premiums than term life, but can be more valuable in the long run.
Term and Whole Life Combined: Build lifelong base of whole live coverage. Supplement specific times of your life with term insurance.
MCF
Life
At Massey, Clark, Fischer our team is happy to go far beyond being simple Florida insurance Agents—we aim to be the insurance leaders you trust to help protect your most valuable asset—your life.
From providing you with reliable Florida auto insurance, home and business coverage, we are prepared and awaiting the chance to take it to the next level by insuring something truly irreplaceable: your life with our inclusive Florida life insurance solutions.
We know that finding the best life insurance program can get confusing—and even a bit overwhelming at times. From having to weigh the pros and cons of term life insurance versus whole, universal and variable and beyond—it’s easy to get lost amongst the terminology and coverage differences.
That’s exactly why we at Massey, Clark, Fischer want to be more than just your typical insurance provider, we want to be your trusted coverage ally and friend. By helping you navigate your way through one of the most crucial policy decisions you will ever have to make in your lifetime; we vow to secure you a tailored Florida life insurance plan you can rely on.
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Term Life Insurance Basics:
- Coverage for a “term” or period of your life.
- Lower premiums for higher coverage.
- Rates can change after specific terms expire.
- No equity – policy has no cash value.
Whole Life Insurance Basics:
- Exactly like it says – permanent, not for a specific period.
- Coverage carries with you your whole life.
- Can build equity and have cash value.
- Higher premiums than term life, but can be more valuable in the long run.
Term and Whole Life Combined:
- Build lifelong base of whole live coverage.
- Supplement specific times of your life with term insurance.
When to choose term life?
Most people choosing term life have a strategy for long-term net worth. They need specific coverage for a period of their lives to help protect debt, loved ones, and children. For a homeowner with children, it may make more sense to have a term life policy that covers the mortgage and living requirements until their children are old enough to provide for themselves. In this case, the term would expire around the time your children move out.
When to choose whole life?
Whole life can be used in the retirement years as a cash asset. It can provide equity for loans and have fixed payments that do not increase with time. Often times, whole life policies will pay dividends – although not always.
With a variety of alternatives and policy possibilities, it’s understandable that you may feel a bit anxious but remember, life insurance is all about you and you are certainly worth insuring!
Give us a call and let one of our professional life insurance agents get you started on the right path. Contact Massey, Clark, Fischer for more information and get a free Florida life insurance quote today!
BackWhat our clients say?
This is by far one of the best insurance companies I have ever worked with. The staffs are very professional, and they reply in a timely manner. I did not have to go through multiple people like you would at GEICO or other big insurance firm to get my answers. For all your insurance needs such as disability, life, auto, house, etc.; these guys are amazing, and I would recommend them to everyone.
R S
April 16 2022
Massey Clark Fisher is an invaluable resource when you are trying to find the insurance coverage you need.
Laurel Drazen
March 30 2022
Hank and his staff are very professional and friendly. They always give us quick response. We recommend them for all your insurance needs.
Ron Algeri
October 14 2020
Hank is very knowledge about the insurance industry and provides trustworthy service to his clients. - Esther Zapata Ruderman
Conroy Simberg
September 11 2020
You can be confident when you do business with Hank Massey that your insurance needs will be taken care of in a professional and caring manner. The office is great to work!
JoAnn W.
August 19 2020
Professional service without loosing the personal touch. I have used them many times over the years and I have always pleased with their recommendations. Recently I needed a new policy for my rental. It was a challenge, but they didn't give up until they found the solution.
charles Walker
August 10 2020
Great deals. Lots of insurance options!
Mansa Smith
June 16 2020
They were an excellent resource. Worked tirelessly to find the best policy for our application. Much gratitude for the significant savings!
charles walker
June 02 2020
Quick response. Very helpful in finding a policy that's right for my needs! Friendly staff!
Dee Egizio
June 02 2020
Hank, I made the change last year to use your services. Your staff is always friendly and extremely professional.
Vincent Cordo
June 02 2020
My company partners with local insurance providers as we help clients with purchasing a home. Hank and his team are responsive and have helped clients become homeowners in Palm Beach County.
Ray Premuroso
June 02 2020
Hank, thank you so much for your work and quick response.
Leonard Pisciotto Jr.
March 06 2020
Kudos to MCF. Great service. Woud recommend.
VinayDeep Raj
December 17 2019
Experienced agents. Excellent services.
james henry
December 12 2019
Getting insurance has never been this easy! Definitely recommend going to Massey, Clark, Fischer.
Nandanie Ram
November 25 2019
Massey, Clark, Fischer is a professional insurance agency located in West Palm Beach area. They are always willing and ready to help you with any insurance needs one may have. Not only this Agency has years in business, but they are extremely knowledgeable and prompt when it comes to service. Their policyholders and employees are Very important to them. I am proud to be part of of this agency.
Claudia Upson
October 12 2018
Trusted adviser with our insurance policies. Quick to respond to any questions.
Rome C
October 11 2018
Hank Massey and his firm have been practicing in the insurance business in Palm Beach County for decades and continue to provide excellent insurance service, for both personal and business needs. I would highly recommend his firm for all your insurance needs.
keith kjackson@engenuitygroup.com
September 30 2018
I have been with Massey Clark Fischer for many years and have several policies with them...The owner, as well as my agent, offer personalized service and genuinely seem to care...They call back when they’re supposed to,are knowledgeable of their product, and follow through with any requests I may have...Real Human Beings! Highly recommend!!
MyBadabing
September 27 2018
Working with MCF has been a life changing experience. This is a hybrid agency that evolves with the insurance industry changes. You will find an extremely experienced, and helpful service team that will strive to get you the best option to fit your needs. I highly recommend you allow us to review your insurance portfolio to ensure you are receiving the best bang for the buck. #muckbunnymarykay
Jennifer Lutfey
September 25 2018
MCF has taken care of my insurance needs for the past 10 years, and I would highly recommend their services! As opposed to selling a specific product or roping you in to a single plan, Mr. Massey and his team can compare rates and policies to fit your individual needs. From the friendly staff to the great customer service, I highly recommend the professionals at MCF!
Michael Shelton
September 08 2018
Wonderful service! The staff is knowledgeable, quick to answer any questions, and trustworthy. It gives our family peace of mind knowing MCF is behind us.
Erin Walters
September 04 2018
Working for Massey, Clark, Fisher, Inc. is a pleasure couldn't asked for a better palace to work. Everyone here is very friendly, helpful, professional and make you feel part of the Family. Thank you for having me.
Ro A
August 09 2018
I started working for Massey Clark Fischer Inc in 2001. Everyone here feels like family. Hank Massey and Eric Fischer are very easy to work for. We all care about our clients. Our dedication to the clients is our main focus.
Barbara de la Vega
August 08 2018
My husband and I have been doing business with Massey Clark Fisher since the 80s. They are extremely professional and still treat you as family. Through the years I have had many insurance needs and work with me to determine the best product at the best price!
suzan kelly
August 08 2018
Great team 👍
Miranda Grace Massey
August 08 2018
Great service nice staff
mike massey
August 07 2018
We have used Hank and his firm for our personal and business insurance needs for the past few years. Great Firm. They have always been extremely responsive and willing to work for the best insurance for us. Highly Recommend them!
David Blotnick
July 31 2018
Hank and his team are great! I would highly recommend this company!
Spencer Adamson
July 31 2018
Working with Hank and his team has been an awesome experience! Massey Clark Fischer is an excellent company. I highly recommend them.
Chuck Konga
July 30 2018
I interned here for my community service hours, and i had a great time. Everyone is very helpful and very nice.
Alexis Upson
July 26 2018
Very helpful! Have been able to answer any questions that we have had and have guided us to find the exact coverage for our needs. Our mortgage company failed to pay our premium and our homeowner’s policy got cancelled. They were able to get the situation fixed painlessly for us! Highly recommend!!!
Jessica Shelton
July 19 2018
It is a great honor and pleasure to work at Massey Clark Fischer.” We are truly a Family ♥
Emily Abelha
June 20 2018
Most professional agency with the friendliest and kindest licensed agents! They are the most helpful in getting you the best rate out there.
Lisa Ortiz
June 18 2018
Great experience with the team at Massey! Definitely recommend them.
Poke Trooper
January 23 2018
Awesome firm. Very personal service. Highly recommended. Use them for both my personal and business needs! Hank is the true epitome of an insurance professional.
Paul Ramkissoon
February 09 2017
