Term Life
Most affordableBig coverage for the years that matter most — mortgage, kids, income replacement. 10, 20 or 30 year terms.
Life insurance built for Florida families.
Term, whole life, IUL and final expense coverage tailored to your goals. As an independent brokerage, we compare top A-rated carriers to find the right fit — statewide, in every Florida county.
Coverage options we offer
Every family's situation is different. We'll match the right type of policy to your budget and your goals — not the other way around.
Whole Life
Lifetime coveragePermanent protection with guaranteed premiums and cash value that grows for as long as you keep it.
Indexed Universal Life
Tax-advantaged growthProtection plus cash value tied to market index performance, with a floor that guards against losses.
Final Expense
Simple approvalSmaller whole life policies built to cover funeral costs and last bills. No exam, easy health questions.
Life insurance in Florida — by coverage type
Below is a closer look at each type of policy, how Florida rates and underwriting typically work, and who each one usually fits best. Licensed in Florida and able to help clients in select other states as well.
Term life insurance in Florida
Term life is the lowest-cost way to cover a mortgage, replace income, or protect young kids. You pick a level premium for 10, 20 or 30 years and the rate is locked for that period. Because we're independent, we compare A-rated carriers side by side rather than quoting a single company.
- Often the least expensive coverage per dollar of death benefit
- Many carriers offer no-exam accelerated underwriting
- Convertible options let you switch to permanent coverage later
- Good fit for families, new homeowners and business owners
Whole life insurance in Florida
Whole life is permanent coverage with a guaranteed premium, a guaranteed death benefit and cash value that builds over time. It's built for people who want protection that never expires and a policy they can borrow against later in life.
- Premiums that never increase with age
- Guaranteed cash value growth you can access via policy loans
- Coverage that stays in force for life when premiums are paid
- Popular for legacy planning and final wishes
Indexed universal life (IUL) in Florida
An IUL combines permanent life insurance with cash value credited based on the performance of a market index, with a floor that protects against index losses and a cap that limits the upside. Values are not guaranteed and depend on caps, participation rates and policy charges.
- Growth potential linked to an index, with a 0% floor on index losses
- Flexible premiums and adjustable death benefit
- Tax-advantaged access to cash value through loans and withdrawals
- Best suited to long-term, adequately funded plans
Final expense insurance in Florida
Final expense is a small whole life policy — typically $5,000 to $35,000 — designed to cover funeral costs, medical bills and other last expenses. There's no medical exam, just a short set of health questions, and many Florida seniors qualify even with existing conditions.
- No medical exam — simplified health questions only
- Coverage commonly available from ages 50 to 85
- Benefit paid directly to the beneficiary you choose
- Options available for applicants with health conditions
Where we serve: Tampa Bay & all 67 Florida counties
Kevin is based in Hillsborough County and focuses on the Tampa Bay and Nature Coast region — Hillsborough, Pasco, Hernando, Citrus and Pinellas counties — with service available in every county in Florida by phone or video. Clients in select other states are welcome too.
Hillsborough County
Kevin's home county — Tampa, Brandon, Riverview and Plant City. In-person appointments available.
Pasco County
Wesley Chapel, Land O' Lakes, New Port Richey and Zephyrhills — a fast-growing area for both young families and retirees.
Hernando County
Spring Hill and Brooksville, including a large retiree population shopping final expense and whole life coverage.
Citrus County
Crystal River, Inverness and Homosassa — Nature Coast clients looking for straightforward permanent coverage.
Pinellas County
St. Petersburg, Clearwater and the beaches, with term and IUL options for working families.
All 67 counties County
From Jacksonville to Miami to the Panhandle, coverage is available statewide by phone or video — plus select other states.
Not in one of these counties? We write life insurance statewide — from the Panhandle to the Keys — and can help in other states where we're licensed. Request a free quote.
Get your free life quote
Kevin personally replies — usually the same day.