"I can't afford it."
Most families can get $500K in coverage for less than $1/day. It's likely cheaper than your streaming subscriptions.
Life Insurance for Florida Families
Your family is counting on a plan you haven't made yet.
You know you need coverage. You've been meaning to look into it. But life keeps moving — and every day without protection is a day your family carries the risk. Let's fix that today.
"I'll do it later."
Premiums go up every year you wait. A 35-year-old pays nearly double what a 25-year-old does for the same policy.
"I don't know what I need."
That's exactly what we're here for. Our free Coverage Finder gives you a personalized recommendation in 3 minutes.
"I'm healthy — I don't need it yet."
That's exactly when to get it. You'll qualify for the lowest rates now, and lock them in before anything changes.
Meet JM Insurance Group — Your Florida Life Insurance Source
Clear, personalized life insurance guidance for Florida families. Led by Jessica Mak — a licensed independent insurance professional serving Cape Coral, Fort Myers, Naples, and all of Southwest Florida with 10+ years of experience — JMAK focuses on clarity, integrity, and long-term support.
Coverage Types
Life Insurance Options
Not all life insurance is the same. Understanding the differences is the first step toward choosing the right protection for your family.
Not sure which type is right for you?
Find My Coverage →How It Works
A Clear, Guided Process
From the first conversation to your policy in hand, we're with you every step. No jargon. No pressure. Just clarity and confidence.
01
Discovery
We start by listening — understanding your family, finances, and what protection means to you. No forms. Just a real conversation.
02
Options
We show you clear, side-by-side comparisons tailored to your situation — so you can choose with confidence, not confusion.
03
Application
We handle the paperwork, explain every question, and make sure nothing falls through the cracks. You'll never feel lost.
04
Underwriting
While your application is reviewed, we keep you informed at every stage — no wondering, no waiting in the dark.
05
Delivered
Your policy is active and your family is protected. And we're still here — for annual reviews, changes, or any question that comes up.
Ready to take the first step?
Free. No obligation. Takes about 3 minutes.
Reality Check
What Would Happen
to Your Family?
Real scenarios. Real numbers. See the financial gap that gets left behind when there's no plan in place.
The financial gap left behind
Free. No obligation. Takes 3 minutes.
Common Questions
Frequently Asked Questions
Getting life insurance doesn't have to be confusing. Here are answers to the questions we hear most.
How much life insurance do I actually need?
A common guideline is 10–12x your annual income, but it depends on your debts, dependents, and goals. Our free Coverage Finder can give you a personalized estimate in about 3 minutes.
What's the difference between term and whole life?
Term life covers you for a set period (10–30 years) at a lower cost. Whole life covers you for your entire lifetime and builds cash value, but premiums are higher. Many families use a combination of both.
Can I get coverage if I have health issues?
Yes. While health conditions may affect pricing, there are policies designed for almost every situation — including guaranteed issue and simplified issue policies that require no medical exam.
How quickly can I get covered?
Some policies can be issued in as little as 24–48 hours. Traditional underwritten policies typically take 2–4 weeks. Jessica will guide you through the fastest path based on your situation.
Is life insurance really affordable?
More than most people think. A healthy 30-year-old can often get $500,000 in term coverage for around $25–$30 per month. The cost of waiting is almost always higher than the cost of starting now.
Why should I work with an independent agent like Jessica?
An independent agent isn't tied to one company. Jessica shops across multiple carriers to find the best coverage and pricing for your specific needs — and she's with you for the long term, not just the sale.
Still have questions? Jessica is happy to talk it through — no strings attached.
Get Started
Let's Protect What Matters Most
Choosing life insurance is a meaningful decision, and you deserve clear guidance, real answers, and zero pressure at every step.
- Personalized guidance based on your family, budget, and long-term goals.
- Clear, side-by-side options explained in plain language so you can choose with confidence.
- Direct support at jmakinsurance@outlook.com for pricing, coverage, and next-step questions.
No pressure, no obligation. You get thoughtful guidance, honest recommendations, and personal support that continues long after your policy is active and working.
Not Ready to Call? Try the Coverage Finder →