A licensed Florida agentLicense #G194317, which can be checked with the Florida Department of Financial Services.
(561) 365-8237Licensed life insurance agent · Florida
See real life insurance rates in about a minute.
Compare live rates from leading carriers for final expense or term life. Then a licensed agent, not a call center, helps you apply.
Final expense
Cover funeral costs and final bills
- Ages 50–85
- $5,000 to $50,000
- Simple health questions; some plans ask none
Term life
Protect your family’s income and home
- Ages 18–75
- $100,000 to $2 million
- 10, 15, 20, 25 or 30 years
No call centersYour rates are yours to compare. When you want help, a licensed agent calls you personally.
Your information isn’t soldWe never pass your details to lead buyers or other agents.
Which coverage fits?
Two common reasons people buy life insurance.
Final expense
A small whole life policy that lasts your whole life, so the coverage is there whenever it is needed. Usually chosen in your 50s to 80s to keep funeral costs and final bills off your family.
Compare final expense ratesTerm life
Larger coverage for a set number of years, at a lower price. Usually chosen while you have a mortgage, children at home or an income your family depends on.
Compare term life ratesStill not sure?
Answer a few short questions about who you want to protect and what matters most, and a licensed agent will walk you through the options that fit.
Take the coverage checkHow it works
From questions to coverage, without the runaround.
- 01
Answer a few questions
Your age, health and the coverage you want. One question per screen, about a minute in all.
- 02
See live rates
Estimated monthly prices from carriers, side by side. Change the amount or term and they update instantly.
- 03
Apply with help
Pick a rate and start the application online. A licensed agent calls to answer questions and help you finish.
Prefer to talk it through?
Call a licensed Florida agent.
Based in West Palm Beach, with 190+ Florida families helped with auto, home and life insurance. You speak with a licensed agent, never a call center, and there is no obligation to buy.
Call (561) 365-82378 a.m.–8 p.m., 7 days a week
Frequently asked
Common questions about life insurance.
What is life insurance and how does it work?
Life insurance is a contract with an insurer. You pay regular premiums, and if you die while the policy is active the insurer pays a lump sum, called the death benefit, to the people you name as beneficiaries. That payout is generally free of federal income tax and can be used for anything, from clearing a mortgage to replacing lost household income.
What is the difference between term and whole life insurance?
Term life covers a set period, commonly 10, 20 or 30 years, and pays out only if you die during that term. Permanent policies such as whole life are designed to last your entire life and build cash value over time. Term is usually far less expensive for the same death benefit, which is why it is often chosen to cover a specific window, such as the years until a mortgage is paid off or children finish school.
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, though the right figure depends on your circumstances. A more careful approach is to add up what the money would actually need to cover — outstanding debts, the remaining mortgage, the income your household would lose, and future costs such as education — then subtract savings and any coverage you already have.
What affects the cost of life insurance?
Age and health are usually the largest factors, alongside tobacco or nicotine use, the amount of coverage and the length of the term. Insurers may also weigh family medical history, driving record, and higher-risk occupations or hobbies. Because age and health both tend to work against you over time, the same coverage generally costs more the longer you wait.
Do you need a medical exam to get life insurance?
Not always. Many traditional policies still involve a short medical exam with basic bloodwork, but a growing number of insurers use accelerated underwriting that relies on health questions and database checks instead. No-exam policies can be quicker to put in place, though depending on the insurer they may carry lower coverage limits or higher premiums.
Is life insurance through work enough?
Often not on its own. Employer coverage is typically limited to one or two times your salary, which falls well short of what most households would need. It also usually ends when you leave the job, so it is generally treated as a supplement to an individual policy rather than a replacement for one.
Does smoking affect life insurance rates?
Yes, usually by a wide margin. Insurers treat tobacco and nicotine use as a major risk factor, and premiums for smokers are commonly several times higher than for non-smokers. Most insurers require a period free of nicotine — often 12 months or more, though it varies — before they will consider you for non-smoker rates.