Final expense, settled while you can
Most applicants qualify on a few health questions, with no medical exam, and the premium is locked at the rate they qualify for. The funeral is handled before anybody has to ask.
Serving Florida
Life Insurance & IUL Strategy in Florida
Florida is where a lot of the country comes to retire, and that shapes most of the conversations we have here. The question is often what replaces the life insurance that ended with a job up north.
- Licensed in Florida · NPN 11126989. Look me up before we talk. I would rather you did.
- Book any hour · sessions Mon–Sat, 9am–8pm ET
- Independent, not captive to any one carrier
Florida is served by video and phone, Monday to Saturday. Jacksonville, Miami, Tampa, Orlando and statewide.
- One Floridian in five is 65 or olderCensus figures put Florida well above the national share of residents 65 and up. Final expense is a large part of our work here, because a lot of families are planning for it now.
- No state income taxFlorida has no personal income tax. A pension, a paycheck or a retirement account goes further here, and the question becomes where the next dollar does the most good.
- The coverage stayed up northPlenty of retirees here had group life through a job in another state. It ended with the job, often in the same year they moved.
- One family, spread across the stateGrandparents near Tampa, children in Orlando, cousins in Jacksonville. Everything we do works by video and phone, so the whole family can be on one call.
Why Florida Families Work With Us
What's different about Florida
Replace what retirement took away
The day the job ended, the group life usually went with it. We look at what your family still depends on and write coverage you own to cover it.
Something left for the grandchildren
Some Florida families are past protecting an income and want to leave something behind. A death benefit paid to a named beneficiary is income-tax-free under IRC section 101(a) and passes outside probate.
Coverage Available in Florida
Two very different conversations
Most people arrive wanting one of these. They are not the same product and they are not for the same person, so we will tell you which one fits.
Indexed Universal Life (IUL)
For Florida households building long-term, tax-advantaged wealth on top of protection. It works best with an outlook of at least five to seven years.
- Uncapped Index Account; 113% participation, current and set by the carrier, and a 0.75% floor on the indexed credit. Participation rates and caps are at the carrier’s discretion and can change.
- Blended across S&P 500, Fidelity SMID Multifactor Index, Nikkei 225
- Access designed to be income-tax-free when properly structured
- Death benefit in force from day one
Not right for everyone. If you have no emergency fund yet, build that first, and we will say so.
How the IUL worksFinal Expense Coverage
For Florida families who want the funeral and the last bills handled so nobody has to fundraise during a week they should be grieving.
- Coverage from $1,000 to $100,000, ages 0 to 85
- Most applicants qualify with health questions and no medical exam
- Guaranteed issue where health is a barrier, and it is worth knowing what that means: the full amount is not payable in the first two years. Most people do not need it, because a few health questions get them day one coverage instead. How to tell which one you are looking at
- Premium locks at the rate you qualify for and does not increase
A full burial, with the funeral home and the cemetery together, runs $13,795 to $28,995, about $21,400 on average. The funeral home's part alone, in the South Atlantic region, has a median of about $8,023, or about $6,103 with cremation. Source: National Funeral Directors Association (NFDA) General Price List Study, 2023. These are regional medians across many providers. They are not a quote, and not what any particular funeral home in Florida will charge you. Ask them directly, and ask for the itemized price list they are required to give you.
Straightforward, quick, and a completely different conversation from wealth building. Plenty of our FL clients only ever need this.
How final expense worksWhere We Work in Florida
Jacksonville · Miami · Tampa and statewide
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Port St. Lucie
- Cape Coral
- Hialeah
- Tallahassee
Anywhere in Florida works by video and phone, application and underwriting included. Florida is served by video and phone, Monday to Saturday. Jacksonville, Miami, Tampa, Orlando and statewide.
In Their Own Words
What clients say
Verified Google reviews, in the reviewer's own words. Same theme in every one: he explains, he doesn't push.
5.0from 7 Google reviewsChaka was very helpful and knowledgeable about the different products. He helped me understand and choose the best option that was suitable for my family.
It was great meeting you and how you explained everything to me, took your time to make sure I understood everything about the policy and I really appreciate it. Thank you
Reviews are shown as posted on our Google Business Profile. Where a quote is shortened for length it is marked with an ellipsis and no wording is changed. We abbreviate reviewer names out of respect for our clients' privacy, the full names are on Google if you want to check. Read all 7 on Google · Worked with us? Leave a review
Book whenever suits you. Including 11pm.
Thirty minutes, free, no obligation. We look at what you already have, clarify where it stands, align the strategy, and write the coverage that fits.
Also licensed in North Carolina, South Carolina, Arizona, Oregon, Minnesota, Maryland, Nebraska, Georgia, Kansas, Michigan, New Jersey, Ohio, Texas and Virginia.
Straight answers
Florida questions, answered
- Are you licensed to sell life insurance in Florida?
- Yes. Chaka A. I. Ali is a licensed life and health insurance producer, National Producer Number 11126989, which you can verify yourself through the National Insurance Producer Registry at nipr.com before you ever speak to us.
- Do I have to meet in person to get covered in Florida?
- No. The whole process, from the strategy session through the illustration, application and underwriting, can be done by video and phone. Florida is served by video and phone, Monday to Saturday. Jacksonville, Miami, Tampa, Orlando and statewide.
- Can I book a time outside business hours?
- Yes. The calendar is open 24 hours a day, seven days a week. Sessions themselves run Monday to Saturday, 9am to 8pm Eastern. A strategy session is 30 minutes. A review of a policy you already own is 60 minutes. Both are free, with no obligation.