Personal Insurance
Life Insurance
Term, IUL, whole life, annuities. We compare across multiple carriers.
Term life is the right call for most families — affordable, simple, locks in a 10/20/30-year benefit. IUL and whole life make sense for estate planning and tax-advantaged savings. We help you pick what's actually right for your situation, not what pays the highest commission.
What's covered
- Death benefit (tax-free to beneficiary)
- Optional cash value accumulation (IUL/whole life)
- Optional living benefits riders (chronic illness, critical illness)
What's not
- Suicide within 2 years (most policies)
- Fraud / misrepresentation
- Existing conditions not disclosed on application
Florida note
Florida has strong consumer protections on life insurance — and ample sun for in-person medical exams. We can usually get approved with no exam up to ~$500k.
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We write life insurance with these carriers:
- Life Insurance Co. of the Southwest
- Washington National
Related coverage
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FL DFS License W190034 · NPN 9069115 · Licensed broker · Brokers of America PR LLC