Life Insurancedone the right way.
Peace of mind for the people who count on you.
What a Florida
life insurance plan covers.
Every situation is different. We build the policy around yours.
Term Life
Affordable coverage for a set period — often the best fit for young families.
Whole Life
Lifelong coverage that builds cash value over time.
Final Expense
Smaller policies designed to cover funeral and end of life costs.
Key Person
Protects a business from the loss of an owner or essential employee.
Income Replacement
Coverage sized to replace your income for the years your family needs it.
Mortgage Protection
Keeps your family in the home if something happens to you.
What's usually not included in your insurance, but we may be able to get you coverage.
Undisclosed health history
Misstatements on your application can void a claim during the contestability period.
Certain high risk activities
Some aviation and extreme sports exposures are excluded or rated.
Initial policy restrictions
Standard policies may limit certain circumstances during the first two years.
Submit your details
Tell us what you're insuring and a few basics about your situation.
We shop multiple carriers
We compare coverage and pricing from the top rated markets for your risk.
You choose with confidence
We walk you through options, deductibles and discounts.
Let's protect your family's future.
- No pressure needs analysis
- Term, whole and final expense
- Many policies with no medical exam
Get started with a free quote.
Life insurance questions.
Common questions about life insurance for Florida families
How much life insurance do I need?
A common starting point is 10–12 times your annual income, adjusted for your mortgage, debts, education costs and existing savings.
Term or whole life?
Term covers a specific window — like the years you're raising kids or paying a mortgage — at the lowest cost. Whole life lasts your lifetime and accumulates cash value.
Do I need a medical exam?
Not always. Many carriers offer accelerated underwriting with no exam for healthy applicants within certain age and coverage limits.
Can I have coverage through work and my own policy?
Yes, and it's usually a good idea. Group coverage is often limited and ends when you leave the employer.
What is the difference between level term and decreasing term?
Level term keeps the same death benefit for the entire term — 10, 20 or 30 years. Decreasing term reduces the benefit over time and is usually tied to a mortgage balance. Most families are better served by level term for its flexibility.
Can I convert a term policy to permanent coverage later?
Many term policies include a conversion privilege that lets you move to a permanent policy without new medical underwriting, up to a stated age or deadline. If your health may change, that provision matters more than a small price difference.
Are life insurance proceeds taxable in Florida?
Death benefits paid to a named beneficiary are generally received income-tax-free, and Florida has no state income tax or state estate tax. Large policies can still be included in a federal taxable estate depending on ownership, which is a planning conversation worth having.
What happens if I miss a premium payment?
Policies include a grace period, commonly around 30 days, during which coverage stays in force. Beyond that the policy can lapse, and reinstatement may require evidence of insurability. Automatic payments are the simplest safeguard.
Should a stay-at-home parent be insured?
Yes. Replacing childcare, household management and transportation carries a real cost that a surviving spouse would have to fund. Coverage is typically inexpensive at younger ages.