Protect your family and your home in about 10 minutes.
Check your term life rate online, apply from your phone, and get a decision fast. Many applicants never need a medical exam. If you want a hand, I'm a licensed Florida agent and a phone call away.
Free to check. No obligation. Won't affect your credit score.
- Coverage up to $2 million, terms from 10 to 30 years
- No medical exam or blood test for many applicants
- Same price as buying direct, plus a real agent who answers
How it works
Check your rate
Answer a few quick questions about your age, health, and how much coverage you want. You'll see real prices right away.
Apply online
Finish a short health questionnaire on your phone or computer. Most people are done in about 10 minutes.
Get covered
Many applicants get a decision right away. Once approved and your first payment goes through, your family is protected.
Who term life is built for
Parents
Replace your income if something happens, so your kids can stay in their home, their school, and on track for college.
Florida homeowners
A term that matches your mortgage means your family keeps the house, not just the memories.
Self-employed & business owners
No employer coverage? Own a policy that stays with you, whatever happens with the business.
How much coverage do you need?
A quick starting point: replace about 10 years of income, pay off the mortgage and debts, and set money aside for your kids' education. Then subtract what you already have.
Enter your numbers to see an estimate. This is a rough guide, not advice for your situation.
See my price for this amountCommon questions
How much term life insurance do I need?
A common starting point is about 10 times your yearly income, plus your mortgage and other debts, plus future costs like your children's education, minus savings and coverage you already have. The calculator above does that math for you.
Do I need a medical exam?
Many applicants are approved without a medical exam or blood test by answering health and lifestyle questions online. Some applicants may be asked for more information, and approval isn't guaranteed.
Isn't my life insurance through work enough?
Workplace coverage is often only one or two times your salary and usually ends if you leave the job. Many families add an individual term policy they own and keep no matter where they work.
What if I change my mind?
Applying is free and non-binding. If you buy a policy, you have a free-look period to cancel for a refund of premiums paid. Check your policy for the exact terms.
Does it cost more to buy through an agent?
No. You pay the same premium, and you get a licensed Florida agent you can call or email with questions.
Your agent: Thomas Alvarez
I'm a licensed life insurance agent in Florida with TMA Advisors, LLC. You can do everything online on your own, and if you'd rather talk it through, call or email me and I'll help you pick the right amount and term.
See your price. It takes a minute.
Checking is free and doesn't commit you to anything.
Check my rate