Florida Life Insurance

Term life insurance provides a fixed death benefit for a set number of years (typically 10, 20 or 30). It's the most affordable way to lock in a large amount of coverage — ideal for replacing income, paying off a mortgage, or putting children through college. Premiums stay level through the term and policies can often be converted to permanent coverage later.

Whole life insurance covers you for your entire life, builds tax-deferred cash value you can borrow against, and offers predictable premiums. It's a powerful tool for estate planning, leaving a legacy, or supplementing retirement income.

Final expense / burial insurance is a smaller whole-life policy designed to cover funeral costs, medical bills and small debts so loved ones aren't left scrambling. Coverage is usually $5,000 to $35,000 with simplified underwriting — no medical exam in many cases.

A common rule of thumb is 10–12 times your annual income, but the right amount depends on your debts, dependents, future plans and existing assets. We walk through a quick needs analysis covering mortgage payoff, future college costs, replacement income for your spouse, and any final expenses. Then we shop carriers like Mutual of Omaha, Foresters, Americo, AIG and more to find your best rate.

• Most healthy adults qualify for no-exam term policies up to $1M.
• Tobacco use, diabetes, heart conditions and other factors are underwritten — we know which carriers are most forgiving for each condition.
• Premiums lock in based on your age at issue, so buying younger almost always means paying less for life.
• Beneficiary designations override what's in your will — we'll help you set them correctly.