Protect the People
Who Matter Most
Life insurance isn't about death — it's about love. It's the promise that the people who depend on you won't face financial hardship when you're gone. Whether you want to cover final expenses, replace income, or leave a legacy, we have a policy that fits.
Get a Free QuoteOr call (813) 454-0108
Policy Types
Which Type of Life Insurance Is Right for You?
Term Life Insurance
Maximum coverage for the lowest cost
Term life provides a death benefit for a set period — typically 10, 20, or 30 years. It's the most affordable way to protect your family during your working years or while a mortgage is outstanding.
Best for: Income replacement, mortgage protection, family with young children
Whole Life Insurance
Lifetime coverage + guaranteed cash value
Whole life coverage never expires as long as you pay premiums. It builds a guaranteed cash value over time that you can borrow against. Premiums are fixed and never increase.
Best for: Final expense coverage, estate planning, leaving a guaranteed inheritance
Indexed Universal Life (IUL)
Flexible coverage with growth potential
IUL links your policy's cash value growth to a stock market index (like the S&P 500), with a floor so you can never lose money due to market downturns. Premiums and death benefits are flexible.
Best for: Tax-advantaged savings, retirement supplement, wealth transfer
Final Expense Insurance
Simple, affordable burial coverage
Smaller face-value policies ($5,000–$25,000) designed specifically to cover funeral costs and end-of-life expenses. Simplified underwriting — often no medical exam required.
Best for: Seniors who want to ease the burden on family for funeral expenses
The Reality
What Happens Without Life Insurance?
The average funeral in the United States costs between $7,000 and $12,000. Without life insurance, that cost falls directly on your family — often at the worst possible time, when they are already grieving.
Funeral and burial costs
$7,000–$12,000 on average — paid upfront before the estate is settled.
Outstanding debts
Medical bills, credit cards, and loans don't disappear. Co-signers or surviving spouses can be held responsible.
Mortgage or rent payments
If your household depended on your income, your family may struggle to stay in their home.
Lost income
A spouse or dependent who relied on your Social Security or pension benefits will see those reduced or eliminated.
Common Questions
Life Insurance FAQ
Am I too old to get life insurance?
No. We work with carriers that offer coverage up to age 85. Final expense policies are available at any age and don't require a medical exam. Whole life and IUL are available into your 70s depending on health.
Do I need a medical exam?
It depends on the type of policy. Term and whole life policies typically require a health questionnaire and sometimes a medical exam. Final expense insurance uses simplified underwriting — just a few health questions, no exam.
How much life insurance do I need?
A common rule of thumb is 10–12x your annual income for income-replacement purposes. For seniors focused on final expenses, a $15,000–$25,000 policy is often sufficient. We'll help you calculate the right amount based on your goals.
Is the death benefit taxable?
In most cases, life insurance death benefits are received income-tax-free by the beneficiary. The cash value growth inside a whole life or IUL policy is also tax-deferred. We can walk you through the tax implications in detail.
Give Your Family the Gift of Security
We'll find a policy that fits your budget and your goals. The call is free and obligation-free.
Call (813) 454-0108