Term life insurance: maximum protection, minimum cost
Coverage for 10, 20, or 30 years — the years your mortgage and kids depend on your income. For most families, term is the smartest money in all of insurance.
The 10-minute needs calculation
Forget rules of thumb for a moment and add up the real numbers: your mortgage balance, other debts, annual income times the years your family would need it, childcare, and future college costs. Subtract savings and any employer coverage. The gap is your number.
For a typical Fort Myers family — $350,000 mortgage, two kids, one $75,000 income — that math usually lands between $500,000 and $1,000,000. We run it with you and then find the carrier pricing your age and health most favorably, because the same person can be quoted rates 40% apart by different companies.
- Terms of 10, 15, 20, 25, and 30 years
- Coverage from $100,000 to $2,000,000+
- Exam and no-exam options compared side by side
- Conversion privileges explained before you buy
Why carrier choice matters more than you think
Each carrier has its own playbook: one is lenient on blood pressure, another on family history, another on past anxiety treatment. Applying to the wrong one first can cost you a rate class — real money, every month, for decades. An independent agent's job is matching your profile to the right carrier the first time.
Frequently asked questions
How much term life insurance can I get without a medical exam?
Several carriers now offer $250,000 to $1,000,000 or more of term coverage with no exam for healthy applicants, using prescription and database checks instead — decisions in days, sometimes hours. Exam-free policies cost slightly more than fully underwritten ones; we quote both so you can decide if the convenience is worth it.
What happens when my term ends?
The coverage expires — which is the point. A 30-year-old with a 30-year term is covered until 60, when the mortgage is typically paid and the kids are grown. Most policies include a conversion option letting you switch to permanent coverage without new health questions, and some people ladder multiple terms to match shrinking obligations.
What does term life insurance cost in Florida?
A healthy 30-year-old might pay $20–$30 a month for $500,000 of 20-year term. At 45, the same coverage might run $60–$90. Tobacco use roughly doubles it. Every birthday raises the price — which is why 'I'll do it next year' is the most expensive sentence in life insurance.
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