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Protect your family's financial future with life insurance coverage tailored to your unique situation and needs.

Florida-licensed since 2011

Who this is for

  • Young familyMortgage and income protection.
  • Pre-retireeFinal expense and estate planning.
  • Business ownerKey-person and buy-sell agreements.

What's typically covered

  • Term life policies
  • Flexible premiums
  • Whole life options
  • Family protection

Florida rules to know

  • Exam-free optionsUp to certain face amounts, no medical exam required.
  • Beneficiary designationReview yearly — it controls payout, not your will.

Florida is not a community-property state — beneficiary designations on life policies override state probate rules in most cases, so naming the right beneficiary (and a contingent beneficiary) matters more than people realize. A surviving spouse is not automatically entitled to the proceeds if someone else is named. Florida has strong creditor-protection laws on life insurance: under Fla. Stat. 222.13 and 222.14, the death benefit is generally exempt from the insured's creditors when it's payable to a named beneficiary (any person or entity) rather than to the insured's estate, and the policy's cash value is likewise protected from the owner's creditors — though once a beneficiary receives the proceeds, those funds can be reached by that beneficiary's own creditors. This makes Florida one of the better states for using life insurance in asset-protection planning. Florida residents also need to know about the contestability period (typically two years from issue) during which the carrier can investigate and deny claims based on application misrepresentation. Be honest on the application — even small misstatements can void the policy in year one or two.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

About you

Life Insurance

What this coverage includes

Life insurance protects the people who depend on your income — covering a mortgage, replacing earnings while a family adjusts, paying for college, or covering final expenses so survivors aren't writing checks during the worst week of their lives. Term life is the most cost-effective tool for income-replacement years; whole life and universal play a role for permanent needs, estate planning, and certain cash-value strategies.

We're independent, which means we quote across a wide range of life carriers and underwriting niches: standard issue, simplified issue (no exam), guaranteed issue (no health questions), and impaired-risk specialists who write policies for diabetes, heart history, or other conditions other carriers decline. One call gets you real numbers from multiple companies instead of a single carrier's pitch.

Coverage examples

  • 30-year term covers the mortgage

    A 35-year-old non-smoker with a $400,000 mortgage and two young kids buys a 30-year level term at $500,000. Standard preferred underwriting through a paramedical exam puts the rate at roughly $35-50/month. Term coverage stays level until the mortgage is paid off and the kids are independent. If the insured passes during the term, the family receives the $500,000 income-tax-free death benefit and the mortgage doesn't follow them. After 30 years, the policy expires — by that point, savings and equity should fill the gap.

  • No-exam policy issued in a week

    A 45-year-old self-employed contractor needs $250,000 of coverage quickly to satisfy an SBA loan. A simplified-issue policy uses a phone or online interview, MIB/MVR/prescription database checks, and no paramedical exam. Underwriting wraps in 5-10 business days, often with same-week approval. Premiums run 10-30% higher than fully-underwritten, but the speed and convenience are worth it for many applicants. No-exam underwriting typically caps at $500K-$1M of coverage depending on age and carrier.

  • Final-expense policy for an 80-year-old

    An 80-year-old grandmother wants $15,000 of coverage to handle funeral and burial costs without leaving the bill to her kids. Guaranteed-issue final-expense policies have no health questions and no exam — anyone qualifies regardless of medical history. Premiums run $80-150/month for $15-25K of coverage at that age. There's typically a two-year graded death benefit during which the policy returns premiums plus interest on non-accidental death; after two years, the full face amount pays out. We disclose the graded period upfront so the beneficiary isn't surprised.

Why Us

Why customers choose First Choice

Life Insurance

Frequently asked questions

How much life insurance do I actually need?
A common rule is 10–12× annual income, but the real answer depends on debt (mortgage, loans), how long your kids need support, whether your spouse works, and what your savings already cover. We walk through it before quoting so the policy fits the actual gap.
Term or whole life?
Term is usually right for the years your family is most financially dependent on you — much more coverage per dollar. Whole or universal makes sense for permanent needs (final expense, estate liquidity, certain business uses). We frequently write both: a large term for the working years plus a small permanent policy for end-of-life expenses.
Will my health history disqualify me?
Usually not. We work with carriers who specialize in impaired-risk underwriting — diabetes, heart history, cancer survivors, mental health, certain occupations. Rates vary but coverage is almost always available. Tell us the basics and we'll route to the right carrier instead of getting a flat decline.
Term, whole, or universal — what's the actual difference in 60 seconds?
Term gives you a level death benefit for a set period (10, 20, 30 years) at the lowest cost per dollar of coverage; it ends when the term ends with no payout if you survive. Whole life is permanent: a level premium for life, guaranteed death benefit, and slowly-building guaranteed cash value. Universal life is also permanent but with flexible premiums and a cash value tied to either an interest crediting rate (UL) or an index like the S&P 500 (IUL) or actual market investments (VUL). Term covers income-replacement years; whole and universal cover permanent needs.
Are no-exam policies available, and up to what amount?
Yes — most carriers now offer simplified-issue (phone interview plus database checks, no paramedical exam) up to $500K-$1M depending on age and health. Some accelerated underwriting paths offer fully-underwritten rates with no exam if data sources come back clean. No-exam is fastest (5-10 business days vs 4-8 weeks fully-underwritten), with premium typically 10-30% higher than the standard fully-underwritten rate. We compare both paths on every quote where the applicant qualifies.
How do beneficiary designations work in Florida?
Life insurance proceeds pass directly to the named beneficiary outside probate. Florida is not a community-property state, so a surviving spouse has no automatic claim if someone else is named. Name a primary and at least one contingent beneficiary, keep them updated through life events (marriage, divorce, kids), and consider naming minor children through a trust rather than directly (carriers can't pay minors). For high-net-worth situations, an irrevocable life insurance trust (ILIT) can keep proceeds out of the taxable estate.
What's an accelerated death benefit rider?
It lets the policyholder access a portion of the death benefit early — typically 25-50%, sometimes more — while still living, if diagnosed with a terminal illness (often defined as 12-24 months life expectancy) or certain chronic conditions. Many carriers include the rider at no extra premium; some charge a small annual fee. The accelerated payment reduces the death benefit by the same amount plus interest. It's a meaningful piece of coverage for end-of-life medical costs without selling the policy through a life settlement.

General information, not legal or tax advice. Rules, limits, and thresholds change over time — confirm current requirements with the relevant state or federal agency, or ask us about your specific situation.

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