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Independent Life Insurance

Protection built
around what you need

Honest guidance — finding the right coverage for your family, your budget, and your future.

You deserve someone that works for you

A captive agency can only offer their own products. Even if it's not the best option.

01

Access to multiple carriers

We're directly appointed with each insurance carrier. That means we match what you actually need to the carrier that does it best.

02

We keep it simple

Insurance can feel overwhelming. We break it down in plain language — no surprises. You'll understand exactly what you're getting and why.

03

Honesty

If the timing isn't right or a product isn't the best fit, that's okay. Our goal is a relationship, not a one time sale.

04

No quotas. No pressure.

We answer to our clients. Not a carrier, not a manager, not a sales target.

The right coverage for every stage of life

From mortgage and income protection, to covering final expenses, to giving your child a financial head start — there's a solution for everyone.

Start with a free conversation.

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Simple from day one

Getting coverage shouldn't be difficult or confusing. Here's what to expect

1

It starts with two questions

Who are you trying to protect — and what are you most worried about?

2

We find the right fit

Based on your specific situation, we figure out the best product and carrier for you.

3

We walk through it together

We present the plan clearly, answer every question, and make sure you feel confident before anything is signed.

4

Application

Together we fill out and submit your application directly to the carrier for approval.

5

Approved & Covered

For when it will matter most — you have protection in place.

Get Started Today

Protection is the product.
Peace of mind is what
you're getting

Everyone is different. Every situation is different. Here's a breakdown of what we provide — and who each product is built for.

Affordable, straightforward protection for a set period of time. Ideal for income replacement, mortgage protection, and covering your family during your working years. Simplified issue options are available with no medical exam required.
Whole life protection covers you for life. Your premiums stay the same and future health changes never affect your coverage. Ideal for anyone who wants permanent protection locked in while they're young and healthy. Builds cash value over time that you can borrow against.
Limited pay whole life covers you for life — but you finish paying in a defined window. Usually set up over 10 years (10-Pay), 20 years (20-Pay), or until age 65. Your premiums stop but your protection never does. Builds cash value faster and continues to grow long after your last payment.
Protection designed to help families handle end of life costs: burial, medical bills, and outstanding debts. Helps protect your loved ones from unexpected expenses while they're grieving. Simplified issue, no medical exam required, fast approval.
With a 20-Pay structure, payments are over right when they're starting their adult life. From day one it grows tax-free, and they can borrow against it for education, a first home, starting a business, or even funding their own future kids' policies. It also locks in protection at the healthiest and lowest rate they'll ever qualify for — future health changes can never touch their coverage, while forever building cash value. Ideal for parents or grandparents wanting to give their kids a head start.
The Conversation That Matters

There is a guarantee in life

No matter how much we try not to think or worry about it, the uncertainty is still there.

If something happened to you, what would it mean to the ones you protect that they're still taken care of? Your kids aren't going to have to change schools and can stay in their home. Your spouse won't have to work two jobs or get remarried. No one will need to rely on strangers for help.

That's all life insurance is. Keeping your loved ones financially safe while dealing with their biggest loss. It's not an easy conversation but it's one that needs to be had. The toughest calls are from families asking if there's anything we can do now. Let's make sure they're the ones receiving the call saying you're still protecting them.

Begin the Conversation

Terms & Conditions

Effective Date: January 1, 2025 · Last Updated: May 1, 2026

These Terms and Conditions govern your use of communications from Taylor Insurance Group, including SMS text messages. By opting in to receive messages from us, you agree to these terms.

1. About Taylor Insurance Group

Taylor Insurance Group is an independent insurance agency licensed in the state of Florida (License Type: 02-15). We provide insurance-related information, quotes, and consultation services for life insurance, annuities, and related products.

2. Supported Carriers

SMS messages may be delivered through major U.S. wireless carriers including AT&T, Verizon, T-Mobile, Boost Mobile, and Cricket Wireless. Delivery may vary by carrier and device.

3. Limitation of Liability

Taylor Insurance Group is not responsible for delays or failures in SMS delivery caused by third-party carriers or network issues.

4. Age Restriction

Our SMS program is intended solely for individuals 18 years of age or older. By opting in, you confirm you are at least 18 years old.

5. SMS / Text Message Program

  • Program Description: Taylor Insurance Group sends SMS text messages to individuals who have provided express written consent. Message types include insurance information, appointment confirmations, reminders, and policy-related follow-ups.
  • Message Frequency: Varies based on your inquiry and consultation stage — typically 1–8 messages per month.
  • Message & Data Rates: Standard message and data rates may apply depending on your carrier.
  • To Opt Out: Reply STOP to any message at any time. You will receive one confirmation and no further messages will be sent.
  • For Help: Reply HELP to any message or contact us directly.

6. Consent Is Optional

Consent to receive SMS messages is entirely optional and is not a condition of receiving any insurance services, quotes, or consultations from Taylor Insurance Group.

7. Accuracy of Information

Taylor Insurance Group relies on the accuracy of information provided by users when submitting inquiries or applications. We are not responsible for outcomes resulting from inaccurate, incomplete, or misleading information submitted through our website or communications.

8. Informational Purposes

Information provided in our communications is for general informational purposes only and does not constitute a guarantee of coverage, pricing, or eligibility. A licensed agent will review your specific situation before any policy is recommended or issued.

9. Related Services

If applicable, we may connect you with trusted partners offering relevant financial, insurance, or home-related services. You may opt out at any time by contacting us directly.

10. No Guarantee of Availability

Insurance products and rates vary by state, age, health status, and underwriting guidelines. The availability of any product, rate, or carrier is not guaranteed and is subject to change without notice. Nothing on this website constitutes an offer or guarantee of coverage.

11. Indemnification

By using this website or submitting your information, you agree to indemnify and hold harmless Taylor Insurance Group, its agents, and representatives from any claims, losses, or liabilities arising from your use of our services or reliance on information provided through our communications or website.

12. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised effective date.

13. Governing Law

These Terms are governed by the laws of the State of Florida.

14. Contact

Taylor Insurance Group
St. Petersburg, Florida
License: 02-15
(727) 642-7839

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We work with over 20 of the top-rated insurance carriers, known for their financial strength and product diversity. This ensures we find a solution tailored to you

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