Your Insurance Journey

Starts Now

We Insure Everything is here to guide you

every step of the way.

Financial & Legal

How Can We Help You?

Financial, Legal

Click to Expand


Annuities can indeed be a valuable investment tool, but it's essential to understand their workings, risks, and suitability for your financial goals. Here's a breakdown of key points to consider:

1. How They Work:.

- Annuities function as a means of converting a lump sum of cash into a stream of income over a specified period, often until death.

- In exchange for the initial investment, the annuity issuer guarantees regular payments to the annuitant (the individual who purchases the annuity) either immediately or at a future date.

2. Risks Involved:

- Longevity Risk: One risk associated with annuities is longevity risk, which refers to the possibility of outliving the income stream. If the annuitant dies early, they may not receive the full value of their investment.

- Investment Risk (for Variable Annuities): Variable annuities expose the annuitant to investment risk because the payments are based on the performance of underlying investments, such as stocks or bonds. Poor investment performance can lead to lower payouts.

3. Fixed vs. Variable Annuities:

- Fixed Annuities: Offer a guaranteed income stream, with payments typically based on factors such as age, gender, and initial investment amount.

- Variable Annuities: Provide the opportunity for higher returns but also carry greater investment risk. The payments fluctuate based on the performance of the underlying investments. *We do not sell variable products.

4. Index-Linked Annuities:

- Index-linked annuities offer a middle ground between fixed and variable annuities. The payouts are tied to the performance of a specific market index, offering the potential for growth while providing downside protection.

5. Suitability Considerations:

- Whether annuities are the right investment for you depends on your financial situation, risk tolerance, and retirement goals.

- Consider factors such as tax implications, liquidity needs, and other retirement income sources before deciding to purchase an annuity.

6. Consultation and Guidance:

- It's crucial to consult with financial experts who can assess your individual circumstances and provide personalized advice on whether annuities align with your investment objectives.

In summary, while annuities offer the benefit of a guaranteed income stream, they also entail risks and complexities that require careful consideration.

Contact us today to discuss your options and determine whether annuities are a suitable investment choice for you.

FAQ image

IRA, 401K, etc.

IRAs indeed offer valuable opportunities for individuals to save for retirement, with each type providing unique benefits tailored to different financial situations. Here's a breakdown of the two common types of IRAs:

1. Traditional IRA:

- Tax-Deductible Contributions: Contributions to a Traditional IRA may be tax-deductible, providing immediate tax benefits for eligible individuals. The deductibility of contributions depends on factors such as income level, tax filing status, and participation in an employer-sponsored retirement plan.

- Tax-Deferred Growth: Investments within a Traditional IRA grow tax-deferred, meaning that earnings on contributions are not taxed until withdrawals are made during retirement.

- Required Minimum Distributions (RMDs): Starting at age 72 (or 70 ½ if you reached 70 ½ before January 1, 2020), Traditional IRA owners are required to take minimum distributions from their accounts, which are subject to income tax.

2. Roth IRA:

- Non-Tax-Deductible Contributions: Contributions to a Roth IRA are made with after-tax dollars, meaning they are not tax-deductible. However, this allows for tax-free withdrawals of both contributions and earnings in retirement.

- Tax-Free Withdrawals: Qualified withdrawals from a Roth IRA, including both contributions and earnings, are tax-free as long as certain conditions are met. These conditions typically include reaching age 59 ½ and having held the account for at least five years.

- No Required Minimum Distributions (RMDs): Unlike Traditional IRAs, Roth IRAs do not require account owners to take RMDs during their lifetime, offering greater flexibility in retirement planning and distribution strategies.

Choosing between a Traditional IRA and a Roth IRA depends on factors such as current tax situation, anticipated future tax rates, and individual financial goals. By understanding the differences between these two options, individuals can make informed decisions that align with their retirement savings objectives.

If you're considering opening an IRA or exploring your retirement savings options, our experts can provide personalized guidance to help you select the IRA type that best fits your needs.

Contact us today to start planning for your retirement with confidence.


Offering a well-designed 401(k) plan is indeed a strategic move for businesses aiming to attract and retain top talent while promoting employees' financial security. Here's why:

1. Recruitment and Retention:

A robust 401(k) plan can serve as a powerful recruitment tool, attracting prospective employees who value long-term financial stability and retirement benefits. Additionally, it fosters loyalty among current employees, reducing turnover rates and promoting continuity within the organization.

2. Tax Advantages: 401(k) plans offer tax benefits for both employers and employees. Contributions made by employees are typically tax-deferred, meaning they are deducted from taxable income in the year they are made, reducing current tax liabilities. Employers may also benefit from tax deductions for contributions made to employees' accounts.

3. Employer Matching Contributions: Matching contributions from employers incentivize employees to participate in the 401(k) plan and maximize their contributions. This not only helps employees save more for retirement but also demonstrates the employer's commitment to their financial well-being.

4. Long-Term Investment: By providing employees with a vehicle for long-term savings and investment, businesses encourage financial discipline and planning among their workforce. Employees who feel supported in planning for retirement are more likely to remain with the company over the long term, contributing to organizational stability and growth.

5. Expert Guidance: Partnering with employee benefits experts ensures that businesses can tailor their 401(k) plans to meet the unique needs and preferences of their workforce. These professionals can provide valuable insights and assistance in designing, implementing, and managing a competitive 401(k) package that aligns with the company's goals and values.

In summary, offering a competitive 401(k) package demonstrates a commitment to employee well-being, enhances the company's appeal to prospective talent, and fosters a culture of financial responsibility and stability. For businesses interested in exploring their options and maximizing the benefits of a 401(k) plan, consulting with employee benefits experts is a valuable step.

Contact us today to learn more about how we can help you design a 401(k) plan that sets your business apart.

FAQ image


Coming Soon....

FAQ image

Tax Advisory

Coming Soon....

FAQ image

Debt Settlement

Coming Soon....

FAQ image

Our Preferred Carriers

Who we are:

Over 20 years of Insuring the Brickell area of Miami, FL

We are an independent insurance agency.

Specializing in a variety of insurance solutions designed for your unique needs. Because we’re independent, our priority is you—not the insurance company. We represent many different insurance companies that offer a wide variety of coverage options and price points.


"We believe in being a trusted source for each of your insurance needs, dedicated to bringing you advice and options to help you make an informed decision."

- Mikell Simmons, Founder

Our Services

What Makes Our Independent Agency Different?

We represent multiple insurance companies.

We are by your side every step of the way.

We are licensed insurance advisors.

We offer a variety of insurance solutions.

We are there for you in your time of need.

Client's Say

Our Mission Statement

At We Insure Everything, our mission is to uphold our founding principles of bringing our clients the highest quality services and solutions to match up with the unique needs of today’s world.

We are an independent insurance agency.

Specializing in a variety of insurance solutions designed for your unique needs. Because we’re independent, our priority is you—not the insurance company. We represent many different insurance companies that offer a wide variety of coverage options and price points.


Ines - HR 29 September

“Mickell is a very dedicated person, he took the time to look for the best options that would suit my needs and my budget and went through the details and the language of the policy to make it easier for me to understand.”


Santiago - Mgr Dir 14 September

"Mikell thank you for the great work, your sincere approach is really appreciated. You tell me you don't know the details sometimes of something but always seem to find the answer; I like how I can trust you."

Office: Brickell & Las Olas

Call 305-357-5605

Copyright© 2018 All Rights Reserved