Income protection for the people who count on you.
One job: keep your family's life intact if yours stops.
Most working parents in Southwest Florida are underinsured by six figures and don't know it. We compare term, permanent, and hybrid options across multiple top-rated carriers — and recommend only what your household actually needs.
If any of these sound familiar — you're not alone.
The middle market has the largest coverage gap in the country, and it's getting bigger every year. These are the patterns we see in almost every first conversation.
Group coverage at work — and that's it.
If you change jobs or get laid off, the policy ends with the badge. Most families lose 100% of their coverage the day they leave.
A policy bought 8+ years ago that nobody has re-checked.
Income, mortgage, kids, and health all change. Most policies bought before a major life event are now mis-sized — sometimes in your favor, often not.
A quote from one captive agent who only sells one carrier.
If the only tool is a hammer, everything looks like a nail. We compare carriers side-by-side so the recommendation reflects your needs, not someone's quota.
of US adults say they need more life insurance than they have
LIMRA / Life Happens Barometer Study, 2024
drop in personal coverage ownership since 2011
LIMRA Life Insurance Fact Sheet, 2024
annual income — common starting point for income-replacement coverage
Industry rule of thumb — refined per household
Here's the honest one-paragraph version.
Term life insurance is the cheapest and simplest way to put a wall between your family and a worst-case year. You pick the term length — usually 20 or 30 years to cover the years where losing your income would actually hurt — and you pay a fixed monthly amount. If something happens during those years, your family receives a tax-free check. If nothing does, the policy ends. Permanent insurance — whole life or IUL — does a different job: lifelong coverage with cash value mechanics layered in. Most families need term first. Some, layered correctly, eventually want a small permanent policy on top. We start with what protects the income, then we talk about the rest.
"If you can't explain it to your spouse in one sentence, the recommendation isn't done yet."
What changes after a real protection review.
You're guessing whether $250k or $500k is enough — based on a number you read somewhere.
You see exactly how the number was built: income, debts, runway. Your spouse can re-explain it without you in the room.
One agent, one carrier, one quote — usually their highest-margin product.
Multiple top-rated carriers compared in one document. You see why one beats the others for your situation.
You apply to a carrier you might not qualify for and get rated up — locking in a worse price.
We pre-screen so you only apply where you're likely to be approved at the rate you were quoted.
You file the policy and forget it. Five years later it no longer fits the life you actually live.
A simple yearly nudge to confirm the coverage still matches your income, debts, and beneficiaries.
Term vs. permanent — without the spin.
The honest answer for most families is term first, permanent considered carefully later. Here's the side-by-side we walk through.
Four steps. No mystery.
Tell me what you want protected
10 minutes. No quote questions yet — just what your family actually counts on.
I shop multiple carriers
Pre-underwriting screen so we apply where you'll qualify at the rate quoted.
You get a clear, written proposal
Plain-English options, side-by-side, with the trade-offs spelled out.
You decide on your timeline
Apply now, in a month, or next year. There's nothing you owe me for a clear answer.
What people actually ask Blake
Blake Levy is a licensed insurance producer. Insurance products are issued by third-party carriers and subject to underwriting, eligibility, and policy terms. This site is for informational purposes only and is not investment, tax, or legal advice.