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Life insurance and annuity agent serving all of Florida
Independent agent for term life, indexed universal life (IUL), annuities and retirement income planning in Florida. We compare multiple carriers and meet by phone and video anywhere in Florida.
Short answer: TrueFin Services is an independent life insurance and annuity agency licensed in Florida. We compare term life, IUL and annuity options from multiple highly rated carriers for Florida families, from Miami and Fort Lauderdale to Orlando, Tampa and Jacksonville, then help you apply.
Why people in Florida work with us
- Florida has no state income tax, so retirement planning focuses on federal taxes and tax-free buckets
- Retirees moving to Florida want part of their savings turned into guaranteed income
- Families buying homes around Orlando, Tampa and Jacksonville need term life sized to a new mortgage
- Professionals relocating to Florida often leave employer life insurance behind
- Business owners use life insurance for buy-sell, key person and premium financing plans
What we offer in Florida
Your consumer protections in Florida
- Regulator: the Florida Department of Financial Services licenses insurance agents and handles consumer complaints.
- Free look: every new life insurance policy and annuity comes with a free-look period, usually at least 10 days and often longer for seniors and replacements, when you can cancel for a refund. We point it out in your contract.
- Guaranty association: Every state has a life and health insurance guaranty association that protects policyholders if an insurer fails. In most states that means at least $300,000 in life insurance death benefits, $100,000 in cash value and $250,000 in annuity benefits, per person, per insurer.
Agent tip: Your rate is locked to your age and health on the day you apply. Waiting a year usually costs more than the policy itself.
Florida life insurance and annuity questions
Are you a licensed life insurance agent in Florida?
Yes. Nagendra (Nag) Sonti is licensed to sell life insurance and annuities in Florida. You can verify any agent's license with the Florida Department of Financial Services or through the NAIC's national lookup.
Can I buy term life or IUL in Florida without meeting in person?
Yes. We meet by phone and video anywhere in Florida. Applications are signed electronically, and many healthy applicants qualify without a medical exam.
How much does life insurance cost in Florida?
Price depends mostly on your age, health, tobacco use, the coverage amount and the term length, not your city. We compare several carriers to find your best rate.
Can I roll my 401(k) or IRA into an annuity in Florida?
Yes. A direct rollover into a fixed or fixed indexed annuity avoids taxes and the 20% withholding. We help Florida residents compare annuity rates, surrender periods and income options.
What protects my policy if an insurance company fails in Florida?
Every state has a life and health insurance guaranty association that protects policyholders if an insurer fails. In most states that means at least $300,000 in life insurance death benefits, $100,000 in cash value and $250,000 in annuity benefits, per person, per insurer. Limits vary by state; see nolhga.com for details.
What if I move out of Florida?
Your policy or annuity stays in force when you move. We can keep serving you in any state where we are licensed, and we add licenses as clients need them.
Your price is based on your age and health today.
A free 10-minute call shows exactly where you stand. Straight answers, no obligation.