Life insurance
A death benefit can help beneficiaries with living costs, debts, and other needs after the insured person dies, subject to the policy.
LIFE & INCOME PROTECTION • BROWARD COUNTY
Help Protect Your Family’s Financial Future
Explore life insurance for the people who depend on you—and income protection if illness or injury keeps you from working. We’ll help you review available options with your responsibilities and budget in mind.
Choose how to explore life insurance
Compare available life insurance options through BackNine, or explore an online application through Ethos. You can use either option without completing our callback form first.
Continue to our agency-linked BackNine quote tool for available term, whole life and final expense options. Products and insurers vary by eligibility and availability.
Continue to Ethos, our life insurance application partner. Available products, eligibility and final premiums depend on your application and underwriting. For disability income protection or help reviewing an existing policy, request a conversation with our team.
What would you like to protect?
Choose a starting point. You can change your choice or discuss it with us by phone.
A conversation with your priorities in mind
Michael Roberts and Direct Insurance Network, LLC help individuals and families review available coverage. Our independent agency is based in Boca Raton and serves Broward County.
Meet Michael and our agency →Looking specifically for term life?
Our Broward County term life guide helps you consider a coverage period, prepare for an application and compare available online options. It includes our BackNine and Ethos routes, plus an agency callback option.
Stay on this page if you want to compare broader life insurance choices or discuss disability income protection with our team.
START A CONVERSATION
Request a life or income protection callback
Only your name, phone, and ZIP are required. You can discuss your goals and budget with us by phone. You do not need medical records or a completed application to request help. If you already have coverage, have the policy amount and term handy for your conversation.
Appointments with Michael: Monday–Friday, 11 a.m.–5 p.m. Eastern, subject to availability and holidays. Our AI phone assistant answers 24/7 at (800) 310-2743.
By submitting, you authorize Direct Insurance Network, LLC to contact you about this request by phone or email. See our Privacy Policy. Do not send health records, identification numbers, or payment details through this form. A request does not bind, change, or cancel coverage.
Two different ways to protect your household
Disability income insurance
Can replace part of your income if a covered illness or injury prevents you from working. Ask about the definition of disability, waiting period, benefit period, and monthly limits.
Explore our agency’s disability insurance information →Term or permanent life insurance?
| Compare | Term life | Permanent life |
|---|---|---|
| Duration | A stated coverage period. | Designed for long-term coverage when policy requirements are met. |
| Cash value | Generally none. | May include cash value; guarantees and access vary. |
| Premiums | Ask how long premiums stay level and what renewal costs. | Ask about required funding and guaranteed versus illustrated values. |
| Questions to ask | Does the term match my need? Can I renew or convert? | Can I sustain the cost? How do loans or withdrawals affect coverage? |
Specific policy terms control. See the NAIC life insurance guide and Insurance Information Institute disability guide.
Start with a budget you can maintain
Ask us to review coverage amounts, policy types, and payment schedules with your budget in mind. A quote depends on the insurer’s underwriting and the coverage requested; a general advertised price may not fit your situation.
Before deciding, ask which premiums and benefits are guaranteed, what could change, and whether optional features add cost.
Talk Through My OptionsBuild a starting estimate for life insurance
Organize the amounts you want to discuss. This worksheet is optional and estimates a life-insurance planning gap, not disability benefits or a recommended purchase amount.
The calculator does not send or save your entries. Its figures are not included in the callback form.
Include income or caregiving costs your household would need.
How long would that support be needed?
Do not count mortgage payments again in monthly support if you include the full payoff here.
Include one-time goals not already counted.
Your own planning allowance.
Only amounts you intend to use for these goals; do not count an emergency reserve twice.
Check workplace coverage and whether it will remain available.
Calculation: monthly support × 12 × years + debts + future expenses + final expenses − available resources − existing coverage, with a minimum of zero. It does not adjust for inflation, investment returns, taxes, or changing needs. Avoid counting the same expense twice. A zero result does not establish that you need no insurance.
Questions before you get started
Is life insurance through work enough?
Check the benefit amount, who is covered, and what happens when employment ends. Compare that with your household’s responsibilities before deciding whether to explore individual coverage.
Can a stay-at-home parent need life insurance?
Consider the cost of replacing childcare, household work, and other support, even when that person does not earn a salary. Include those costs in your planning discussion.
Will I need a medical exam?
It depends on the insurer, product, and applicant. Health questions, records, or an exam may be required. The insurer determines eligibility and final terms. Discuss medical details through the appropriate application process, not this callback form.
What should I bring to an existing-policy review?
Have your benefit amount, premium schedule, policy type, beneficiaries, and any recent notices ready. Do not cancel current coverage before the new policy is approved and effective and you understand any conditions.
How is disability income coverage different from life insurance?
Life insurance generally pays beneficiaries after the insured dies. Disability income insurance can replace part of earnings during a covered illness or injury that prevents working. Definitions, waiting periods, and benefit limits matter.
What happens after I request a callback?
Our licensed team follows up Monday–Friday, 11 a.m.–5 p.m. Eastern, excluding closures to discuss your goals and the next steps. A preferred callback time is not an appointment. Sending the form does not create or change coverage.
Your next step can be a conversation
Tell us your starting point. We’ll discuss your goals, review available options, and explain the information an insurer may need.
Coverage, premiums, and eligibility depend on insurer approval and policy terms. This page and worksheet provide general information, not individualized financial, tax, or legal advice.