Term life insurance · Florida & nationwide
Protect your family and your home for 10 to 30 years at a price that may be lower than you think. Roger compares top-rated companies for you and shows you the best options side by side.
Independent, licensed Florida agent (W472056). Free, with no obligation to buy.
Free term life quote
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2For how long?
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Roger FishelYour independent agent. 20+ years helping Florida families.Why Florida families get their term life quotes through Roger
Your quotes from several highly rated insurers, compared side by side, so you see the best price for your health.
One local advisor handles your quote. No call centers and no strangers calling you.
Many healthy applicants can skip the medical exam and may be approved in days.
Your rate is set when you are approved and does not go up during your term.
FreeNo obligationQuotes in about 2 minutes
How much does term life cost?
For a healthy non-smoker, a $500,000 policy that lasts 20 years can cost less than a streaming subscription or two each month. The younger and healthier you are when you apply, the lower your price, and it stays locked in for the whole term.
Your exact price depends on your age, health, tobacco use, coverage amount and the company. That is why we compare several companies for you.
Get My Exact Price| Age | Women, as low as | Men, as low as |
|---|---|---|
| 30 | $15/mo | $18/mo |
| 40 | $23/mo | $28/mo |
| 50 | $53/mo | $68/mo |
Sample monthly prices for a $500,000, 20-year, no-exam term policy in the best health class (Preferred Plus, non-smoker), based on 2026 data published by NerdWallet (LifeStein, February 2026). Not quotes. Your price depends on your age, health, tobacco use and the company; most applicants pay more than the best-class price.
Term life basics
Life insurance death benefits are generally income-tax-free to your beneficiaries under federal law.
Your premium is set when you are approved and does not go up during the term.
Many policies let you convert to permanent coverage later without new medical questions.
Planning for retirement
In your 50s and early 60s, term life is less about young children and more about getting you and your spouse safely to retirement. Here is how it fits.
Match your term to the year you plan to retire and your savings can replace your paycheck. A 10 or 15 year term often fits the last stretch before retirement.
Estimate how much you needIf you are thinking about a single-life pension for a larger monthly check, life insurance can be one way to protect your spouse. Compare both options carefully, because the pension choice is usually permanent.
Read: Pension payout choicesMany couples want the house paid off before they retire. A term policy sized to the mortgage keeps that plan on track if one of you dies first.
See mortgage protectionMany companies offer term life to people in their 60s and some into their 70s, usually with 10 or 15 year terms. Prices rise with age and health, so earlier is usually less expensive.
Read: Life insurance after 60Group life through your employer usually ends or becomes expensive to keep when you leave. Lock in your own policy while you are working and healthy.
Compare individual policiesMany term policies let you convert to permanent coverage without a new medical exam, as long as you do it before the policy's conversion deadline. Ask about this option before you buy.
Read: Life insurance in retirementWe quote term life for Orlando, Kissimmee, Lakeland, Tampa, Ocala and families across Florida, from multiple top-rated companies.
Mortgage protection life insurance
Mortgage protection is term life insurance sized to your mortgage, so if something happens to you, your family can pay off the house or keep making the payments.
| Question | PMI from your lender | Bank mortgage life insurance | Term life as mortgage protection |
|---|---|---|---|
| Who does it protect? | The lender | The lender | Your family |
| Who receives the money? | The lender | The lender | Your beneficiaries |
| Does coverage shrink? | Not life insurance | Often, as the loan is paid down | Can stay level for the whole term |
| Can money go to other bills? | No | No | Yes, your family decides |
| If you move or refinance? | Tied to the loan | Usually ends | Stays with you |
General comparison; features vary by company and policy. Coverage is subject to underwriting and approval. Roger Fishel Financial is not affiliated with any lender or government agency.
Term lengths
A simple rule: match your term to your longest money obligation, like your mortgage or the years until your youngest finishes school.
A short-term need, like a business loan or the last years before retirement.
A newer car loan, a refinanced mortgage or children in their teens.
Young children at home and a mortgage with 15 to 20 years left.
A newer mortgage and a family that is still growing.
A new 30-year mortgage or a newborn at home.
Who it is for
Replace your income so your children can stay in their home and school if something happens to you.
Make sure the mortgage gets paid and your family never has to sell the house.
Cover business loans or fund a buy-sell agreement so the business can carry on.
Protect a spouse who depends on your pension or income until your savings can take over.
Coverage through work? It is often only one or two times your salary and usually ends when you leave the job.
How it works
Answer a few quick questions online. It takes about two minutes.
Roger compares prices and features, including no-exam and living benefit options, and explains them in plain English.
Pick the policy that fits your family and budget, with help through the application and approval.
No cost and no obligation to buy anything.
Term vs. permanent
Most families start with term because it gives the most coverage for the lowest price. Permanent coverage can make sense for lifelong needs like final expenses or leaving a legacy.
| Question | Term life | Whole life |
|---|---|---|
| How long does it last? | 10 to 30 years | Your whole life |
| Cost for the same coverage | Lowest | Several times higher |
| Builds cash value? | No | Yes |
| Best for | Income, mortgage and family protection | Lifelong needs and legacy planning |
Frequently asked questions
It depends on your age, health, tobacco use, coverage amount and term length. As a guide, 2026 prices for a $500,000, 20-year policy in the best health class start around $15 to $18 a month at age 30 and $23 to $28 a month at age 40. Most people pay somewhat more depending on their health. A free quote shows your actual price.
Many families use the DIME method: add your debts, the income your family would need to replace, your mortgage balance and future education costs. Our calculator above gives you a starting point, and we fine-tune it with you.
Mortgage protection is usually a term life policy sized to your mortgage. If you pass away during the term, your beneficiaries receive the money and can pay off the home or keep making payments. Unlike PMI, it protects your family, not the lender.
No. Private mortgage insurance protects your lender if you stop making payments and pays nothing to your family. Mortgage protection life insurance pays your beneficiaries if you pass away.
Coverage ends unless you renew or convert it. Many term policies let you convert to permanent coverage before the term ends without new medical questions, and some can be renewed year by year at a higher price.
Often, yes. Many companies offer accelerated underwriting with no exam for healthy applicants, usually up to certain ages and coverage amounts. Fully underwritten policies may offer better pricing, and we show you both.
Life insurance death benefits are generally income-tax-free to beneficiaries under federal law, and Florida has no state income tax. Neither the firm nor its agents or representatives may give tax or legal advice.
Yes. Many companies offer term policies to people in their 60s and some into their 70s, usually with shorter terms such as 10 or 15 years. Prices rise with age and health, so a policy bought at 60 costs more than one bought at 50, but term is usually still less expensive than permanent coverage.
For many families it is not. Group coverage is often one or two times your salary and usually ends when you leave the job. An individual term policy stays with you.
Often, yes. Companies look at health differently, so a condition that raises your price with one company may be treated better by another. That is a big reason to compare several companies.
With no-exam options, some applicants are approved in days. Fully underwritten policies usually take a few weeks. We help you through each step.
