Personal Insurance
Protecting your personal assets from all perils and liabilities is our job. In this challenging environment put our expertise of developing a plan to the test.
Life
Insurance This product line works a great estate and family planning tool. Most types of ownership provide a tax-free death benefit for loved ones. Further cash values of life insurance can be borrowed against or transferred via 1035 tax-free exchange to annuities for future income.
As we have seen interest rates rise Life Insurers are reducing rates. To attract new clients’ carriers are more aggressive on class coding so if you were a standard rate 5 years ago we may be able to price you at a preferred rate today. We have access to roughly 20 A-A++ rated carriers to market your needs.
Insurance This product line works a great estate and family planning tool. Most types of ownership provide a tax-free death benefit for loved ones. Further cash values of life insurance can be borrowed against or transferred via 1035 tax-free exchange to annuities for future income.
As we have seen interest rates rise Life Insurers are reducing rates. To attract new clients’ carriers are more aggressive on class coding so if you were a standard rate 5 years ago we may be able to price you at a preferred rate today. We have access to roughly 20 A-A++ rated carriers to market your needs.
Personal Articles
/Jewelry Personal Articles Floater is important coverage for rugs, furniture, artwork and jewelry that exceeds values covered under a general homeowners policy endorsement. In the past few years many have seen how much the value of jewelry has skyrocketed. Also remember it is important to update the appraisals on these items every 2-4 years.
/Jewelry Personal Articles Floater is important coverage for rugs, furniture, artwork and jewelry that exceeds values covered under a general homeowners policy endorsement. In the past few years many have seen how much the value of jewelry has skyrocketed. Also remember it is important to update the appraisals on these items every 2-4 years.
Michael Ayers
EVP Personal Lines
We are proud to announce the hire of one of the area’s top insurance brokers, Michael Ayers. Ayers has taken the position of Executive Vice President of Personal Lines for Ocean One Insurance Agency. The addition of Michael Ayers to our team enhances our presence both locally and throughout Florida.
Ayers is a third generation Palm Beach County resident and will manage operations nationally for Ocean One Insurance’s Personal Lines Division. Following a successful career in the golf industry, with his final role as Head Golf Professional at Jupiter’s Dye Preserve Club, Ayers was drawn to the insurance industry in 2005.
After 14 years with the Celedinas Agency, Ayers maintained executive roles with Bridgepoint Risk Management and Cross Private Client. Ayers has provided risk management solutions for high-net-worth individuals and their businesses for nearly 20 years.
Michael Ayers is an exceptional addition to our team. With his vast knowledge of the insurance industry, attention to detail and gift for personal service, Ayers will be a huge asset to our organization.
Ayers resides in Palm Beach Gardens with his wife Jeni and teenage son Kenny. In his free time, he enjoys spending time with his children, fishing, golf and playing the guitar.
