Life insurance in Fort Lauderdale

Fastlane Financial is an independent life insurance agency based in Fort Lauderdale. We work with families across Broward County — and across Florida — to put coverage in place: mortgage protection, final expense, term and whole life, and permanent policies with a cash value component.

Being independent is the part that matters. We are appointed with multiple A-rated carriers rather than working for one, so we shop your health history rather than defending a single company's underwriting.

What we see most often here

A few patterns come up repeatedly in this market, and they shape what we end up recommending.

1. 01

   Homeowners who believe they are already covered

   South Florida households carry heavy property insurance — homeowners, windstorm, flood — and the premiums are large enough that people reasonably assume the house is protected. None of those policies pay the mortgage if the person making the payment dies. That gap is the most common one we find.

2. 02

   Recent buyers at the top of their budget

   Broward home prices mean a lot of families are carrying a mortgage that only works on two incomes, or on one specific income. That is precisely the situation term life is built for, and the coverage need is usually larger than the balance on the loan once income replacement is counted.

3. 03

   Retirees who want the funeral handled

   Florida's older population makes final expense a large part of what we write. The goal is almost always the same: the funeral and the last bills should not land on the children, and nobody should be raising money in the first week.

4. 04

   Self-employed and 1099 households

   Contractors, agents, tradespeople and small business owners have no group life policy through an employer. Everything has to be bought individually, which also means it is portable and priced on their own health rather than a group's.

Areas we serve

We are based in Fort Lauderdale and work throughout Broward County and south Palm Beach County, including Plantation, Sunrise, Davie, Pembroke Pines, Coral Springs, Pompano Beach, Hollywood, Weston, Miramar, Deerfield Beach and Boca Raton. Because most appointments run by phone and video, we also work with families elsewhere in Florida and in the other states we are licensed in.

A few Florida-specific things worth knowing

• Rates do not vary by neighborhood. Life insurance rates are filed with the Florida Office of Insurance Regulation. Unlike homeowners insurance, your zip code does not change the premium — your age, health and tobacco use do.
• Florida has a free-look period. Life policies generally carry at least 14 days from delivery to cancel for a full refund, and longer when the policy replaces existing coverage. Actually read the policy in that window.
• Florida law provides significant creditor protection for life insurance proceeds and cash value payable to a named beneficiary. The details are specific and worth reviewing with an attorney if it matters to your situation.
• Name a beneficiary, and a contingent. Proceeds paid to a named beneficiary bypass probate. Proceeds paid to your estate do not — and Florida probate is not fast.
• Verify any agent's license. The Florida Department of Financial Services publishes a public license lookup at MyFloridaCFO.com. Use it on us, and on anyone else who calls you.

How a first conversation goes

About twenty minutes. We ask about income, debt, who depends on you, health history and what you can comfortably spend each month. Then we build a needs analysis, shop it across our carriers, and come back with options and the tradeoffs stated plainly.

That regularly includes telling someone they need less than they called about, or that the coverage they already have through work is enough for now. There is no fee for any of it, and the premium is identical whether you go through us or straight to the carrier, because the commission is already inside the state-filed rate.

Fastlane Financial is an independent insurance agency and is not an insurance carrier. Policies are underwritten and issued by the insurance carrier, and all coverage is subject to carrier underwriting, approval, and the terms of the issued policy. Product availability, riders and pricing vary by carrier, state, age and health. Statements about Florida law are general information current as of the date below, not legal or tax advice — consult your own attorney or tax professional. Nothing on this page is an offer of insurance or a quote.