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Life Insurance & Health Insurance in Florida

Your Life Agency is a licensed independent insurance brokerage serving Florida, offering mortgage protection insurance, Indexed Universal Life (IUL), term and whole life insurance, and health insurance options including ACA marketplace plans and Medicare. We shop your situation across multiple carriers to find competitive coverage rather than representing a single insurer.

Mortgage protection insurance in Florida

Florida's high homeownership rate and active real estate market make mortgage protection insurance a common need for new homeowners, ensuring a mortgage balance doesn't become a burden for surviving family members. Rates depend on age, health, and mortgage balance, and Florida's large carrier market means comparison shopping across insurers often yields meaningfully better pricing than a single-carrier quote.


Health insurance in Florida

Florida has not adopted ACA Medicaid expansion, meaning low-income adults without children, a disability, or a qualifying dependent may fall into a coverage gap. Florida also has one of the largest ACA marketplace enrollments in the country, so subsidy eligibility and plan variety are significant factors for many residents. We help Florida residents compare marketplace, private, and Medicare options, including for retirees and snowbirds splitting time between states.


Why work with a licensed Florida broker

Florida's insurance market has specific carrier participation and underwriting patterns. A broker licensed in Florida can navigate those specifics rather than applying a generic national approach.