Use our L.I.F.E. Needs Analysis to calculate the right amount of coverage for your family’s future. Get clarity, not guesswork, so you can protect what matters most with confidence.

Use the L.I.F.E. methodology, calculating your family's total required financial resources and subtracting available assets to determine the necessary coverage gap.
The first step in identifying how much life insurance you personally need is by outlining all your exposures. Fill out the following fields to determine your total exposure.
Add all liabilitis: Mortgage, vehicle loans, student loans, and any debt or liabilities
Multiply your income by how many years of replacement are needed (5-10 years)
Funeral expenses in Florida are close to $10,000 on average.
Any education for kids or extra estate planning desired.
The next step is to determine what you currently have in place to mitigate these exposures and risks. Enter the following fields to get your final results.
Total all current life insurance policies including employer benefits.
Total all current assets including cash reserves and liquid assets.
You’re now ready to take the next step toward true protection. Our Insurance Guardian Consultant will use your information to tailor life insurance options that fit your unique goals and lifestyle. Don’t settle for cookie-cutter coverage, get a plan built specifically for you, so you can move forward with clarity and confidence.
Home insurance doesn’t have to be complicated. We make sure you understand every option available.
Don’t settle for cookie-cutter insurance. Get expert advice, competitive options, and the peace of mind that comes with having a trusted advisor on your side.