Term life insurance gives your family maximum coverage at the lowest possible cost — locking in protection during your peak earning and family-raising years so they are never left without support.
No obligation. No pressure. Just honest guidance.
Term life insurance is the most straightforward and cost-effective type of life insurance. You pay a fixed monthly premium for a set period — commonly 10, 15, 20, or 30 years — and if you pass away during that term, your beneficiary receives the death benefit tax-free. There is no investment component, which keeps premiums low and the coverage amount high.
Term life is ideal for people who want to protect a specific financial obligation — a mortgage, a spouse's income, college tuition, or business debt — for a defined period. It is the most popular type of life insurance in the United States because it offers maximum protection at the most affordable price.
In Tampa, Florida, young families, truck drivers, veterans, and business owners often choose term life because it replaces their income if they pass away unexpectedly. A 35-year-old non-smoker in good health can typically secure $500,000 in coverage for less than $30 per month on a 20-year term — making it accessible for most households.
Brandon Lopez at Lopez Wealth Care works with A-rated carriers including Ethos, National Life Group, and Transamerica to find the right term policy for your age, health profile, and coverage goals. He will compare multiple offers side by side to ensure you get the best rate available — without you having to call carrier after carrier.
Brandon Lopez will personally walk you through your options — no pressure, no obligation.
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Simple, transparent steps — no jargon, no pressure.
Brandon reviews your income, debts, dependents, and financial goals to determine the right coverage amount and term length for your family's protection.
Using your health and lifestyle profile, Brandon shops multiple A-rated carriers simultaneously and presents the best available rates — saving you time and money.
Once you select the right plan, the application is submitted. Many term policies are approved within days, and some offer instant decision underwriting with no medical exam required.
This type of coverage is a strong fit for people in a variety of life situations.
Brandon Lopez serves clients throughout Tampa, Hillsborough County, St. Petersburg, Clearwater, Brandon FL, and Wesley Chapel. Whether you are a truck driver, a veteran, a business owner, or a parent planning ahead — Lopez Wealth Care is here to help you build a plan that fits your life.
Schedule My Free CallHere is why families and individuals in Tampa, FL choose this type of coverage.
Highest death benefit for the lowest premium — maximum value
Fixed premiums for the entire term — no surprise increases
Death benefit paid tax-free to your named beneficiary
Simple, easy-to-understand coverage with no investment complexity
Available in multiple term lengths: 10, 15, 20, or 30 years
Coverage amounts from $100,000 up to $2 million or more
Many plans available with no medical exam — just a health questionnaire
Can be converted to permanent coverage on many policies
Living benefits available on select policies for critical illness
Income replacement for your family in your highest-earning years
Protects your mortgage, car loan, business debt, and more
Ideal complement to employer coverage that may disappear if you change jobs
Real stories from Tampa Bay families and professionals.
“I drive long haul routes and my wife and three kids depend on my income. Brandon helped me get a 20-year, $750,000 policy for less than I expected. I sleep better knowing they're covered.”
James M.
CDL Truck Driver • Tampa, FL
“Brandon walked us through every option. We just bought our first home in Wesley Chapel and getting term life was the right move to protect our mortgage. Fast, simple, and no pressure.”
Priya & Kevin S.
First-Time Homeowners • Wesley Chapel, FL
“As a business owner I needed key person coverage quickly. Brandon found me a great rate through National Life Group and handled everything. The whole process took less than a week.”
Robert A.
Small Business Owner • Clearwater, FL
* Testimonials are representative of client experiences. Individual results may vary.
Straight answers to the questions people ask most about term life insurance in Tampa, FL.
Term life insurance provides coverage for a fixed period — typically 10 to 30 years. If you pass away during the term, your beneficiary receives the death benefit tax-free. If the term ends without a claim, coverage expires and no benefit is paid.
Cost depends on age, health, coverage amount, and term length. A healthy 35-year-old in Tampa may pay $25–$40 per month for $500,000 in coverage on a 20-year term. Brandon Lopez provides free personalized quotes from multiple carriers.
A common guideline is 10 to 12 times your annual income, plus any outstanding debts. Brandon Lopez will help you calculate the right amount based on your mortgage, income, number of dependents, and future goals.
When the term expires, coverage ends. You can often renew at a higher premium, convert to a permanent policy, or purchase a new policy. Brandon Lopez can help you plan ahead so there is no coverage gap.
Not always. Many carriers offer no-exam term life policies with instant or accelerated underwriting. A simple health questionnaire is all that is required. Some health conditions may still require a full exam.
Yes. Truck drivers and veterans often need substantial income replacement coverage. Term life is an affordable way to protect a household income that depends entirely on the insured. Brandon Lopez specializes in serving these groups throughout the Tampa Bay area.
Many term policies include a conversion rider that allows you to convert to a permanent policy — such as whole life or IUL — without a new medical exam. This is a powerful option if your health changes over time.
Brandon Lopez will personally review your situation and present options that match your goals and budget — using only A-rated carriers. No pressure. No obligation.
Regarding: Term Life Insurance
