Compare quotes from 80+ carriers with a Florida-licensed advisor who does the homework for you — at no cost. Coverage sized for Florida life: the mortgage, the income, the family that’s counting on you.
Florida draws everyone — young families putting down roots in Tampa, Orlando, and Jacksonville, and folks in their 50s and 60s starting a new chapter in the Sunshine State. Term life insurance fits both: replacing your income and protecting the people who depend on it, for the years they depend on it most.
A common starting point is 8–12x your income plus your remaining mortgage balance — for many Florida families that lands between $250,000 and $1,000,000 or more. And if you’re shopping in your 50s or 60s, coverage is still very much on the table — that’s where comparing 80+ carriers matters most.
We’re an independent brokerage licensed in Florida (NPN #2764713) — not a call center. You’ll work with a licensed advisor who compares 80+ carriers side by side and explains your options in plain language.
Here’s something that surprises most shoppers: term life pricing is not state-rated the way auto or home insurance is — a healthy 40-year-old in Tampa generally pays about the same as one in Nashville. What changes your rate is age, health, term length, and most of all, which carrier you apply to. Sample monthly rates for a 20-year level term, preferred non-tobacco:
| Age | Female | Male |
|---|---|---|
| 30 | $13/month | $15/month |
| 40 | $20/month | $23/month |
| 50 | $40/month | $52/month |
| 60 | $112/month | $147/month |
| Age | Female | Male |
|---|---|---|
| 30 | $20/month | $24/month |
| 40 | $32/month | $37/month |
| 50 | $69/month | $93/month |
| 60 | $189/month | $274/month |
*Sample rates for illustration only, based on published 2026 industry averages. Your premium may differ based on age, health, lifestyle, coverage amount, and carrier. Not a guarantee of coverage or price.
Florida gives life insurance buyers solid consumer protections — it’s worth knowing your rights:
Florida law gives you a 14-day free-look window (Fla. Stat. §626.99) to review your new policy and return it for a full refund, no questions asked.
Insurers are regulated by the Florida Office of Insurance Regulation, and you can verify any advisor’s license — including ours (NPN #2764713) — through the Florida Department of Financial Services at myfloridacfo.com.
With level term life, the premium in your policy is contractually level for the full term you choose — 10, 15, 20, or 30 years.
Many carriers now offer no-exam approval through accelerated underwriting — qualified Florida applicants may be approved in 24–72 hours without a paramedical visit, often at the same preferred rates as a fully underwritten policy. Learn how no-exam term life works →
Managing a health condition? Getting covered is still very possible — see our guide to high-risk life insurance in Florida.
We work for you, not a single carrier — 80+ companies compared side by side in one conversation.
We’ve helped families through every kind of health history and budget.
Licensed to serve Florida families (NPN #2764713) — reachable by phone or video, on your schedule. Our comparison service is no-cost: advisors are paid by the carrier you choose, and your rate is the same either way.
Florida pricing tracks national averages — a healthy 40-year-old may pay roughly $32–$37/month for a 20-year, $500,000 policy. Your age, health class, and choice of carrier matter far more than your state.
Not always. Many carriers offer accelerated underwriting for qualified applicants — no exam, with decisions often in 24–72 hours, and preferred rates may still apply.
Yes — terms of 10–20 years are common at these ages, and carrier selection makes the biggest pricing difference. That’s exactly where comparing 80+ carriers pays off.
Yes — Florida’s free-look law gives you 14 days to return a new policy for a full premium refund.
Yes — it’s a no-cost service. We’re compensated by the carrier you select, and carrier premiums are filed with regulators, so you don’t pay extra for working with an advisor.
See full details on coverage amounts, term lengths, and pricing on our term life insurance rates by age page.
Talk to a licensed advisor and see quotes from 80+ carriers in one conversation.
Compare quotes from 80+ carriers with a Florida-licensed advisor who does the homework for you — at no cost. Coverage sized for Florida life: the mortgage, the income, the family that’s counting on you.
Florida draws everyone — young families putting down roots in Tampa, Orlando, and Jacksonville, and folks in their 50s and 60s starting a new chapter in the Sunshine State. Term life insurance fits both: replacing your income and protecting the people who depend on it, for the years they depend on it most.
A common starting point is 8–12x your income plus your remaining mortgage balance — for many Florida families that lands between $250,000 and $1,000,000 or more. And if you’re shopping in your 50s or 60s, coverage is still very much on the table — that’s where comparing 80+ carriers matters most.
We’re an independent brokerage licensed in Florida (NPN #2764713) — not a call center. You’ll work with a licensed advisor who compares 80+ carriers side by side and explains your options in plain language.
Here’s something that surprises most shoppers: term life pricing is not state-rated the way auto or home insurance is — a healthy 40-year-old in Tampa generally pays about the same as one in Nashville. What changes your rate is age, health, term length, and most of all, which carrier you apply to. Sample monthly rates for a 20-year level term, preferred non-tobacco:
| Age | Female | Male |
|---|---|---|
| 30 | $13/month | $15/month |
| 40 | $20/month | $23/month |
| 50 | $40/month | $52/month |
| 60 | $112/month | $147/month |
| Age | Female | Male |
|---|---|---|
| 30 | $20/month | $24/month |
| 40 | $32/month | $37/month |
| 50 | $69/month | $93/month |
| 60 | $189/month | $274/month |
*Sample rates for illustration only, based on published 2026 industry averages. Your premium may differ based on age, health, lifestyle, coverage amount, and carrier. Not a guarantee of coverage or price.
Florida gives life insurance buyers solid consumer protections — it’s worth knowing your rights:
Florida law gives you a 14-day free-look window (Fla. Stat. §626.99) to review your new policy and return it for a full refund, no questions asked.
Insurers are regulated by the Florida Office of Insurance Regulation, and you can verify any advisor’s license — including ours (NPN #2764713) — through the Florida Department of Financial Services at myfloridacfo.com.
With level term life, the premium in your policy is contractually level for the full term you choose — 10, 15, 20, or 30 years.
Many carriers now offer no-exam approval through accelerated underwriting — qualified Florida applicants may be approved in 24–72 hours without a paramedical visit, often at the same preferred rates as a fully underwritten policy. Learn how no-exam term life works →
Managing a health condition? Getting covered is still very possible — see our guide to high-risk life insurance in Florida.
We work for you, not a single carrier — 80+ companies compared side by side in one conversation.
We’ve helped families through every kind of health history and budget.
Licensed to serve Florida families (NPN #2764713) — reachable by phone or video, on your schedule. Our comparison service is no-cost: advisors are paid by the carrier you choose, and your rate is the same either way.
Florida pricing tracks national averages — a healthy 40-year-old may pay roughly $32–$37/month for a 20-year, $500,000 policy. Your age, health class, and choice of carrier matter far more than your state.
Not always. Many carriers offer accelerated underwriting for qualified applicants — no exam, with decisions often in 24–72 hours, and preferred rates may still apply.
Yes — terms of 10–20 years are common at these ages, and carrier selection makes the biggest pricing difference. That’s exactly where comparing 80+ carriers pays off.
Yes — Florida’s free-look law gives you 14 days to return a new policy for a full premium refund.
Yes — it’s a no-cost service. We’re compensated by the carrier you select, and carrier premiums are filed with regulators, so you don’t pay extra for working with an advisor.
See full details on coverage amounts, term lengths, and pricing on our term life insurance rates by age page.
Talk to a licensed advisor and see quotes from 80+ carriers in one conversation.
