Term Life Insurance · South Florida
The most coverage per dollar, for the years your family needs it most.
10, 15, 20, 25 and 30-year term life insurance shopped across 30+ carriers — the most affordable way to cover a mortgage, replace income, or protect the years until the kids are grown.
Why it matters
Term life is simple, cheap, and the right answer more often than people expect.
You pick a length and an amount. If something happens inside that window, your family receives a tax-free check. If nothing happens, the policy ends. That simplicity is why term insurance delivers the highest death benefit per premium dollar of any product on the market.
The mistakes we correct most often in Fort Lauderdale and Boca Raton households: a term that runs out before the mortgage does, coverage sized to a rule of thumb instead of the actual budget, and policies bought a decade ago that are now overpriced relative to today's rates. We re-shop all three at no cost.
What's included
How we build a term policy that actually fits.
Term Lengths 10–30 Years
Matched to your mortgage payoff, youngest child's independence, or business loan.
No-Exam Options
Many carriers now issue six- and seven-figure policies with no needles and no paramed visit.
Level Premium
The rate is locked for the full term — no annual increases mid-window.
Conversion Privilege
Convert to permanent coverage later without proving health again.
Living Benefit Riders
Accelerated death benefit for terminal, chronic and critical illness at no extra premium with many carriers.
Laddering Strategy
Stack a 10-, 20- and 30-year policy so coverage steps down as obligations do — and premium drops with it.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Term Life questions we hear every week.
How much term life insurance do I need?+
A common baseline is 10–15× income plus the mortgage balance and future education costs. In Broward and Palm Beach County, where housing costs are elevated, we model against your actual monthly obligations rather than a generic multiple.
What does term life insurance cost in Florida?+
A healthy 35-year-old non-smoker can often get $500,000 of 20-year term for $25–$40 per month. Rates depend on age, health, tobacco use and term length.
What happens when my term expires?+
Coverage ends, or continues at a much higher annual renewal rate. The right move is to re-shop or convert 12–24 months before expiration — we calendar that for our clients.
Can I get term life with a health condition?+
Usually yes. We work with carriers that underwrite diabetes, hypertension, cardiac history, sleep apnea and cancer survivorship favorably — the trick is knowing which carrier reads which condition best.
How fast can coverage start?+
No-exam policies can be approved in 24–72 hours. Fully underwritten cases take two to four weeks.
Also from PB & J Insurance
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Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.