Maria Lissarrague
Insurance Broker
If there’s one thing I’ve learned in my decades of working with families across Florida, it’s this: most people want to protect their loved ones—they just don’t always know how. Life insurance is one of the most powerful and caring tools you can use to do just that.
Whether you’re in your 30s building a young family, in your 50s thinking about retirement, or simply trying to get your finances in order, this guide is for you. Let’s make sense of life insurance together—without the confusing jargon or sales pressure.
🌴 Why Life Insurance Matters in Florida
Florida is a beautiful place to live—but life here comes with unique financial challenges:
- Our cost of living is rising, especially in housing and long-term care.
- Many retirees settle here but don’t plan far enough ahead.
- We’re one of the top states for seniors, yet many lack basic life or final expense coverage.
Life insurance isn’t about fear. It’s about love—and giving your family peace of mind, not financial stress.
💡 What Is Life Insurance?
Life insurance is a policy that pays a lump sum—called a death benefit—to your chosen beneficiary when you pass away. That money can be used to:
- Cover funeral and burial expenses
- Pay off debts (like a mortgage, credit cards, or loans)
- Replace lost income
- Fund your child’s education
- Leave a legacy for your family or church
Some policies even build cash value you can use while you’re living.
🧾 Types of Life Insurance
- Term Life Insurance
- Affordable and temporary
- Covers a set number of years (10, 20, or 30)
- Ideal for families, homeowners, and people in their prime working years
- Permanent Life Insurance
- Coverage lasts your whole life
- Can build cash value over time
- Includes Whole Life, Universal Life, and Final Expense policies
- Great for legacy planning or ensuring final expenses are covered
🧠 Do You Really Need Life Insurance?
If you answer “yes” to any of the following, it’s time to consider coverage:
✅ Someone depends on you financially
✅ You want to cover funeral or medical costs
✅ You want to leave something behind
✅ You want peace of mind
Even if you’re not the main income earner, your role in the household has real value.
🤔 Common Questions I Hear
“I already have a policy through work. Isn’t that enough?”
Group life insurance often isn’t portable and may not offer enough coverage.
“Isn’t life insurance expensive?”
Many policies—especially term—are surprisingly affordable.
“I’m older or have health conditions. Can I still get coverage?”
Yes. There are policies specifically designed for seniors or people with health concerns.
👣 Ready to Explore Your Options?
I’m here to help you sort through the noise and find the plan that works for you—your needs, your goals, your budget.
📞 Schedule your free consultation today
It’s not about selling—it’s about protecting what matters most to you.
