Life Insurance Broker

Hey—I'm Javier Garcia. I live in Palm Bay, I'm licensed for life & health, and I help Florida families get coverage that actually fits. No call-center nonsense. Just me, you, and a quick quote.

Why Choose Me?

Florida-licensed life insurance broker
Same-day quotes – text your age & zip code
No hidden fees – what I say is what you pay
Real reviews from locals (check my Google profile)
Family-owned – my wife Natasha keeps things smooth

Best Life Options for Floridians Right Now:

Term Life – 10–30 years. Great for mortgages, kids' college. $250k? Often under $25/mo.
Whole Life – Lifetime coverage + cash value. Solid if you're 50+ or want flexibility.
Final Expense – $5k–$25k for funerals. No exam, fast approval.
Mortgage Protection - Starting at $20/Month, protects your family.

FAQ

Do I need a medical exam?

Most plans do not require one.

What is the cheapest option?

There is no one answer fits all for this question. Overall, younger folks have the cheapest premiums. Let's find out what is yours.

Can I change later?

Yes, you can always change, add, or remove coverage.

What types of insurance do you offer?

I have all options that the insurance carriers offer.

What insurance carriers do you work with?

I work with a variety of reputable insurance carriers to provide my clients with the best coverage options. Some of the carriers I collaborate with include but are not limited to United Health Care, Aetna CVS, Cigna, Molina, Oscar, Ambetter, Americas, Mutual of Omaha, Americo, SBLI, Foresters, American Amicable, John Hancock, and Assurity, to name a few. By partnering with multiple carriers, I am able to offer my clients a wide range of insurance products, ensuring that they receive tailored solutions that meet their unique needs.

Will you take care of the claim process?

Hopefully, you’ll never have to make a claim, but if you do, I am legally obligated to be your advocate if you need to make a claim. While you need to keep your own records, as your broker, I will help you file your claim and monitor it to ensure everything happens promptly.

What happens if my insurance needs or my budget changes?

I understand that life is always changing, and so are your insurance needs and budget. If your insurance needs or budget changes, I am here to help, I will work with you to review your current insurance policies and make the necessary adjustments to ensure that you have the right coverage at a price that fits your budget. Whether you need to add coverage, remove coverage, or explore new options, we will guide you through the process and provide personalized recommendations tailored to your specific situation.

How long does it take you to respond to questions or problems?

I understand the importance of timely and effective communication. We strive to respond to all inquiries and concerns within 24-48 hours of receiving them depending on the complexity of the issue.

Insurance Services

Life Insurance

Individual Health Insurance

Medicare

Dental & Vision

Medicare

Medicare Advantage (Plan C)

MA Supplemental Plans

PDP Standalone

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Dental & Vision

Dental Plans

Vision Plans

Dental + Vision + Hearing

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Life Insurance

Term Insurance

Whole Life Insurance

Universal Life Insurance

Final Expense

Life insurance is designed to give you peace of mind and protect your family in the event of an unexpected death. It covers the financial burden that comes with death, such as funeral expenses, outstanding debts, and the loss of income for the surviving family members.

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Individual Health Insurance

Marketplace (Obamacare)

Individual Private Insurance

Ancillary Plans

Individual, Group, Marketplace or Medicare, my goal is to make it as simple and stress-free as possible. I take the time to listen to your needs, explain available coverage options and provide you with a quote that fits your needs. Don’t let the complexity of the health insurance market hold you back from getting the coverage you need.