If something happened to you tomorrow, would your family be okay?
Most families don't know if their coverage is enough until it's too late. Let's take a quick look, with no pressure and no obligation.
Most people we talk to either have no coverage, or coverage they're not sure about. We work for you, not the insurance companies. With 96+ carriers across 30+ states, our job is to help you figure out what makes sense for your family. And if nothing does, we'll tell you that too.
Why Families Talk to Us
Coverage
Not sure which type is right for you? That's normal. Here's a quick breakdown.
Term Life Insurance
Need protection while the kids are growing or the mortgage is still there? Term life covers the years your family depends on you most, usually at the lowest cost.
Whole Life Insurance
Want coverage that never runs out and builds cash value you can use later? Whole life protects you for your entire life.
Universal Life Insurance
Want the flexibility to adjust your payments and coverage as life changes? Universal life grows with you.
Final Expense Insurance
Would you want your family dealing with funeral bills while they're grieving? Final expense covers those costs so they don't have to.
Health Insurance
Worried about what one hospital visit could cost you? The right health plan protects your savings, so a surprise medical bill doesn't set your family back.
Dental, Vision & Hearing
When was the last time you got your teeth, eyes, or hearing checked without worrying about the cost? Many plans also include OTC allowances for everyday health items and fitness benefits like gym memberships.
Testimonials
Katie Jennings
Insurafamily solved my problems in a day, now my family can rest assured we're protected in case the unexpected happens to one of us.
Sally Charters
I was looking for health insurance and Terry and his team went out of their way to find something that would protect me and my family and also fit our budget.
Alex Garcia
I drive for a living and I wanted some protection on the road. In case I get in an accident and can't provide for my family, I know something will be there for them while I'm gone. Thank you Terry, I can't thank you enough!
Helpful Guides
Medicare Questions, Answered Simply
Short, easy-to-understand guides from Terry Fairchild, your licensed Florida agent.
Medicare & Mobility
Is Medicare Helping Pay for Your Mobility Scooter?
What's covered, who may qualify, and what you might pay before ordering equipment.
Read the guide →Turning 65
5 Medicare Deadlines You Can't Afford to Miss
The key dates and late penalties to know as you approach Medicare.
Read the guide →Questions People Usually Ask Us
Straight answers about Guaranteed Issue Final Expense and more
Guaranteed Issue Life Insurance is a type of whole life insurance that you cannot be turned down for, regardless of your health.
There are:
No medical exams
No health questions
Approval is guaranteed
It’s designed to help cover funeral costs, burial, cremation, and final bills.
Who is Guaranteed Issue Final Expense coverage best for?
This coverage is ideal for people who:
Have serious health conditions
Have been denied life insurance before
Have diabetes, heart problems, COPD, cancer history, or other illnesses
Are between ages 50 and 85
Want to make sure their family isn’t left with funeral expenses
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Do I have to take a medical exam for Guaranteed Issue Final Expense ?
No.
There is:
No medical exam
No blood test
No doctor visit
You cannot be denied for health reasons.
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With the GI Final expense Will my monthly payment ever go up?
No.
Your premium:
Never increases
Never changes
Never expires due to age
As long as you pay, your coverage stays active.
What can the money be used for?
Your family can use the money for anything, including:
Funeral and burial costs
Cremation
Medical bills
Debts
Living expenses
There are no restrictions.
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Why do people choose Guaranteed Issue instead of regular life insurance?
People choose Guaranteed Issue because:
They’ve been declined before
They have serious health conditions
They want guaranteed approval
They want peace of mind
It ensures their family is protected.
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