A captive agent sells you their company’s policy. I sell you the right one.
I’m Tommy Court, an independent life insurance broker. I’m appointed with more than twenty national carriers, which means I take your age, your health, your budget and your state, run them against all of them, and bring back the policy that actually fits — not the only one I’m allowed to offer.
No cost to talk. No obligation to buy. If nothing on the market fits you, I’ll say so.
Three steps, and you can stop after any of them.
We talk
Fifteen minutes on the phone. Who you’re protecting, what you can comfortably afford every month, and an honest walk through your health history and medications. That last part is what determines your price.
I shop it
I run your profile against the carriers I’m appointed with. Underwriting rules differ a lot between companies — the same condition that gets rated at one carrier is often standard at another. You get real numbers, not a ballpark.
You decide
If something fits, most applications are completed on the phone the same day, and several carriers return an underwriting decision within minutes. If nothing fits, I’ll tell you that instead of selling you something that doesn’t.
Four kinds of coverage, matched to four different problems.
Indexed universal life
Permanent coverage with a cash value account whose interest is credited based on the movement of a market index, subject to a cap and a floor. You are not invested in the market and you do not receive dividends. Most designs also let you accelerate part of the death benefit while you’re alive if you’re diagnosed with a qualifying critical, chronic or terminal illness.
Mortgage protection
Coverage sized against what’s actually left on your house, so the people living in it can keep living in it. Usually structured as level term for the years you still owe, sometimes as permanent coverage if you want it to outlast the loan.
Final expense
Small whole life built to cover a funeral, the burial or cremation, and the bills that arrive with them. Underwriting is simplified — usually health questions and a prescription check rather than an exam. Premiums are designed to stay level and the coverage doesn’t expire.
Term life
The most death benefit per dollar, for a set number of years. This is the right answer when the job is straightforward income replacement during the window that the kids are home and the mortgage is big. Many term policies today can be converted to permanent coverage later without new health questions.
Mostly people whose income stops the day they do.
If you’re self-employed, paid hourly, or your benefits belong to your employer rather than to you, the gap between what you have and what your family would need is usually bigger than you think.
The same person, quoted two ways.
One company’s shelf
Represents a single carrier. If that carrier rates your blood pressure medication, or won’t write your occupation, or simply isn’t competitive at your age, that’s still the policy you get offered — because it’s the only one on the shelf.
Twenty-plus shelves
I’m contracted with more than twenty carriers and I’m not owned by any of them. Carriers underwrite the same person differently — diabetes, sleep apnea, a DUI, working at height, a private-pilot license. My job is knowing which door to knock on for your file.
Tommy Court
I run Court Life Insurance out of Valrico, Florida, and I work with families across sixteen states, almost entirely by phone. There’s no call center here and no one is going to pass you around — the person who quotes your policy is the person who takes the application, and the person you call two years from now when something changes.
Most of my clients are people whose paycheck stops the day they stop working: owner-operators, tradesmen, nurses, first responders, small business owners. That work shaped how I sell. I ask about your health before I talk about price, because the price isn’t real until underwriting has seen the file. I’d rather tell you the honest number on the first call than a pretty one you find out about later.
And if the right answer is that you already have what you need, or that nothing on the market fits you today, that’s what I’ll tell you. I’d rather have the referral than the sale.
Questions I get on almost every call.
Do I have to take a medical exam?
Often, no. A lot of carriers now underwrite from your prescription history and industry databases rather than sending a nurse to your house, and many of my clients get a decision during the same phone call. Some cases still call for an exam or records from your doctor. When one is required, the carrier pays for it, not you.
What is this going to cost me?
It depends on your age, your health, tobacco use, how much coverage you want and which product fits. I won’t throw a number at you before I know those things — anyone who quotes you a price before asking about your health is guessing, and that number tends to change once underwriting sees the file.
I already have life insurance through work. Isn’t that enough?
It’s a good start, and it’s usually cheap or free. Two things worth checking: how much it actually is (group coverage is commonly one or two times salary, which doesn’t go far against a mortgage), and whether it follows you if you left that job tomorrow. Most group coverage doesn’t — and the day you need to replace it is rarely the day you’re healthiest.
Are you going to sell my information?
No. What you tell me is used to shop your case with carriers and to service your policy. I don’t sell or trade contact information to lead vendors or other agents.
What if I have health issues, or I’ve been declined before?
Worth a call. A decline from one carrier is not a decline from the market — underwriting guidelines vary widely, and there are guaranteed-issue and graded-benefit products built specifically for people who can’t qualify for fully underwritten coverage. Tell me what happened and I’ll tell you honestly whether I can help.
Do I have to buy anything?
No. There’s no fee to talk to me and no obligation at any point. I’m paid a commission by the carrier if and when a policy is issued and you keep it.
Tell me the basics and I’ll do the shopping.
Fastest way is always to call or text 813-514-1261. If you’d rather I reach out, fill this in and I’ll get back to you the same business day.
Here’s your summary.
Tap the button to text it to me, or copy it and email it over. Calling is always faster.