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The most affordable way to protect your family — starting at $25/month for $500,000 in coverage. Lock in your rate today while you're healthy.
Term life insurance is the purest form of life insurance: you pay a fixed premium, your family is covered if something happens to you during the term, and the cost is far lower than permanent policies because there's no cash value component built in.
For most Florida families — especially those with a mortgage, young children, or a spouse who depends on your income — term life provides the maximum protection per dollar. A $500,000 policy might cost less than your monthly streaming subscriptions.
Rates are locked in at the time you apply. A healthy 30-year-old who locks in a 20-year term will pay the same rate at 49. Waiting even a few years can meaningfully increase your premium — especially if health changes occur.
Rates shown are approximate for healthy, non-smoker applicants. Your exact rate depends on health history, coverage amount, and carrier.
Approximate rates. Actual quotes vary by carrier, health class, and state. Get a personalized quote for your exact rate.
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Term life insurance provides coverage for a set period — typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit tax-free. If you outlive the term, coverage ends (no payout). It's the most affordable type of life insurance and is ideal for covering specific financial obligations like a mortgage, children's education, or income replacement.
A common rule of thumb is 10-12x your annual income, but the right amount depends on your specific obligations. Consider: outstanding mortgage, years until children are independent, your spouse's income needs, remaining debts, and future expenses like college. A licensed agent can build a coverage analysis based on your actual financial picture.
A healthy 35-year-old in Florida can typically get a $500,000 20-year term policy for $25–$40/month. A 45-year-old might pay $60–$100/month for the same coverage. Smokers pay significantly more. Rates are locked in at the time you apply — the sooner you lock in coverage, the lower your rate for the entire term.
Match your term to the duration of your financial obligations. A 30-year mortgage and young children suggest a 30-year term. If your children will be independent in 15 years and you have no major debts, a 20-year term may be sufficient. The goal is to have coverage until your financial dependents are self-sufficient.
Yes — many carriers now offer no-exam or accelerated underwriting policies for applicants in good health. These policies use data sources (prescription history, motor vehicle records, etc.) instead of a medical exam. They typically max out at $3 million and require you to be under a certain age (usually 60). A licensed agent can identify which carriers offer no-exam options you may qualify for.