Term life
Coverage for a set period — 10, 20, or 30 years. The most affordable way to carry a large amount of protection during your working and mortgage-paying years.
Life insurance, without the sales pitch
Life insurance is a cross-sell at AssureBay, not our focus — our focus is property & casualty. But it's the policy that protects your family's income if you're not here, so when Tampa Bay clients ask, we explain it straight.
Request a free quote Read the blogThe two families of life insurance
Permanent life
Coverage designed to last your whole life, with a cash value component. Costs more than term and fits specific long-term goals.
Annuities
Products that turn savings into guaranteed income for retirement. As with any contract, the details — fees, surrender periods, guarantees — matter more than the brochure.
How to think about it
Start with the need, not the product. Add up what your family would need if your income stopped tommorow — the mortgage, the bills, the kids' plans — then subtract what you already have. That gap is your coverage number, and for most families it's larger than the round number in an employer's group plan.
Waiting is the expensive option. Premiums are based heavily on age and health at the time you buy. A policy bought healthy at 35 costs a fraction of the same policy at 50 — and some health changes make coverage hard to get at any price.
Your work policy is a starting point. Group coverage through an employer is real protection, but it usually ends when the job does and rarely reaches the amount a family actually needs.
Common questions
How much life insurance do I need?
A common starting estimate is 10–15 times your annual income, adjusted for debts, kids, and savings. We'd rather run your actual numbers than hand you a rule of thumb.
Is a medical exam required?
Not always. Many term policies offer accelerated underwriting with no exam for healthy applicants, though fully underwritten policies can price better.
Can I get life insurance if I have health issues?
Often, yes — options range from simplified-issue to guaranteed-issue policies. The honest answer depends on the condition, so ask before assuming you're uninsurable.
Request a free quote
Tell us a little about yourself and we'll be in touch with your options. No obligation, and your information is never sold.