Final Expense Florida

11/19/2025

I'm not selling you anything, which is why you should take my insiders perspectives on having a will and some insurance seriously

11/19/2025

As a licensed independent Florida insurance and annuities agent, I take professional standards seriously. I recently completed the Florida Annuity Best Interests and Standards course and passed the examination with a score of 100 percent.

What continues to concern me is how many consumers rely on insurance and annuity advisors who only need a minimum passing score of 70 percent to become certified. Many take the test multiple times just to reach that threshold. When you are trusting someone to help protect your retirement savings and guide you through decisions that affect your long term financial security, their level of knowledge matters.

You do not need to work with me. I already have a full time job. But please ask any advisor you are considering what they scored on their licensing examinations. Their level of mastery is directly connected to the quality of advice you will receive.

For transparency, I earned a 97 percent on my Florida insurance licensing exam and 100 percent on the annuity exam. I hold myself to a higher standard so that you can feel confident about the guidance you receive.

11/19/2025

The Securities and Exchange Commission’s Regulation Best Interest rule—Proposed in 2018 and finalized in June 2019, the SEC’s “Regulation BI” establishes a best-interest standard of conduct for broker-dealers (and their representatives) beyond the previous suitability obligation, and requires a broker-dealer to act in the best interest of the customer when making a recommendation and to place the customer’s interest ahead of the broker-dealer or other associated persons.

Why should you care? In short, this means we are required under law to act in YOUR best interest, not the best interest of the carriers, when we are talking with you about annuities. And, as an independent agent, I am required to find products that are suitable for you, not sell you what some company wants me to push. In short, I work for you, in your best interest, when we are discussing annuities in the State of Florida. As... it should be.

11/12/2025

https://youtu.be/JMop_ano54w?si=M7R0ICTz6RSvz9lM

Having final expense and burial insurance is the best way to ensure your family isn't left with the burden of funeral and burial costs. Find the best options...

11/11/2025

Final expense insurance provides peace of mind by covering end-of-life costs such as funeral expenses and outstanding medical bills. It’s designed to protect your loved ones from financial hardship during an already difficult time.

If you live in Florida and don’t have a plan in place yet, now is a great time to review your options. Coverage is more affordable than most people think, and the process is simple.

Message this page to schedule a quick consultation — no pressure, just honest information to help you make the right choice for your family.

09/27/2025

https://refinedbyfire.substack.com/p/four-things-you-cannot-put-off-any?open=false

11/06/2024

We have Florida state approved low cost final expense insurance that you can qualify for as a Florida resident so you don’t have to deal with running a GoFundMe for a loved one in the midst of your grief. We can make a hard thing easier with a final expense insurance policy that is Florida approved.

Prayers to this family. We will donate every time we see one of these, especially locally.

My name is Keenan Joyce, and my family is heartbroken to share that on November 2nd, my… Keenan Joyce needs your support for Support Kevin's Memorial Services

11/02/2024

https://www.businessinsider.com/life-insurance-doesnt-feel-like-enough-2024-11

Now that we're in our 50s and my husband has become my caregiver, I know our life insurance policy wouldn't last me more than five years.

10/22/2024

Life insurance provides financial support to your family in the event of your passing. Annuities, conversely, ensure your financial resources outlast your lifetime.

10/16/2024

Guaranteed Acceptance life insurance without medical exams, health questions, or rate increases.

10/14/2024