Independent Life Insurance Broker — Davie, FL
Compare 10+ A-Rated Life Insurance Carriers.
Find your lowest rate.
Affordable coverage for every stage of life — including seniors with diabetes, COPD, heart disease, and cancer history. Compare personalized plans in minutes, no pressure, no obligation.
ⓘ Rate notice: Life insurance premiums lock in at your current age. Your rate increases on your next birthday — locking in today guarantees your lowest possible rate for life.
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Licensed in 49 states✓
10+ A-rated carriers✓
No-pressure guarantee✓
Same-day approval availableLarry La Spina is an independent broker — not captive to any single company. He personally answers every call, reviews every quote, and has helped clients across 49 states find coverage other agents couldn’t offer. Former business owner. Licensed since 2021. Real person, not a call center.
Larry La Spina — Your Independent Broker
NPN #21598508 • Davie, FL • Licensed in 49 states • Answers personally
Our coverage options
Life insurance plans for every family
Whether you’re just starting out or planning your legacy, we’ll find the right fit.
Term Life
Affordable protection for a set period — 10, 20, or 30 years. Ideal for income replacement and mortgage protection.
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Whole Life
Lifetime coverage with guaranteed cash value growth. Premiums never increase — locked in for life.
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Universal Life
Flexible premiums and adjustable death benefits. Builds cash value over time for long-term needs.
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Final Expense
Cover burial and end-of-life costs so your family isn’t left with the bill. No medical exam, easy approval.
Learn more →
Pre-existing conditions covered
Coverage for seniors with health conditions
Most health conditions don’t disqualify you — they just change which carrier is your best fit. See your specific condition below.
Burial Insurance With Diabetes
Most diabetics qualify for level benefit coverage — but NOT at Mutual of Omaha. Carrier selection is everything.
See diabetes options →Burial Insurance With COPD
Transamerica and Royal Neighbors offer preferred rate level benefit for COPD. Even oxygen users can get covered.
See COPD options →Burial Insurance With Heart Disease
Transamerica uniquely accepts congestive heart failure for level benefit. Bypass and stent history covered too.
See heart disease options →Burial Insurance With Cancer History
Many cancer survivors qualify for level benefit after 2 years in remission. Non-melanoma skin cancer often doesn’t affect rates at all.
See cancer survivor options →Burial Insurance for Smokers
Smokers can get level benefit burial insurance. American Amicable has the best smoker rates in the market. Quit 12+ months? You may qualify as non-smoker.
See smoker rates →Final Expense Insurance in Florida
Florida has the highest cremation rate in the US. Most seniors need less coverage than they think. See Florida-specific rates and carrier options.
See Florida rates →Independent carrier reviews
Who to buy from — and who to avoid
Not all final expense carriers are equal. Here’s our honest, unsponsored take on the most commonly advertised companies.
Best Final Expense Insurance Companies 2026
☰ Full RankingsAll carriers ranked by independent broker. Best by health condition — diabetes, COPD, heart disease, cancer. Rate comparison table. Who to avoid and why.
Mutual of Omaha
✓ RecommendedBest level benefit rates for healthy, non-diabetic applicants. A+ AM Best. Our most-placed carrier for healthy profiles.
American Amicable
✓ RecommendedBest for diabetics & smokers. Level benefit for insulin users. Best smoker rates in the market.
Transamerica
✓ RecommendedThe only carrier accepting CHF for level benefit. Best for COPD at preferred rate. A+ AM Best.
Royal Neighbors of America
✓ RecommendedLowest premiums in the market — especially for women. Level benefit for diabetics including insulin users and COPD patients.
Americo
✓ RecommendedOften the lowest rate available when you qualify. Underwrites by medication list — broker pre-screening required before applying.
AIG / Corebridge Financial
✓ RecommendedGuaranteed issue accepts everyone ages 50–80. Also offers simplified issue level benefit. The answer when other carriers decline.
Aetna Senior Life
✓ RecommendedCovers seniors up to age 89 — one of the widest age ranges in the market. 10% Medicare Supplement discount. Available in 39 states.
⚠ Approach with caution
Colonial Penn $9.95 Plan
⚠ Avoid$9.95 buys as little as $418 in coverage with a 2-year wait. The real monthly cost for $15K in coverage is $119+.
Open Care
⚠ Use CautionA marketing agency, not an insurer. Doesn’t disclose carriers. Daily follow-up calls after quote requests.
Globe Life
⚠ AvoidRates 25–50% above independent broker alternatives. The $1 first month hides ongoing above-market premiums.
Lincoln Heritage
⚠ AvoidRates 30–50% higher than competitors. Captive agents can’t show you alternatives. FCGS membership doesn’t pay funeral costs.
Questions about which carrier is right for your health profile? Larry answers personally.
📞 Call (754) 800-1152 — Free, no obligationCoverage available in 49 states
Simple process
Get covered in 3 easy steps
We make it simple, clear, and stress-free.
1
Get your free quote
Fill out our short form or call Larry directly. We compare 10+ top carriers to find your best rate in minutes — including carriers most lenient for your specific health conditions.
2
Choose your plan
Larry walks you through your options personally — no jargon, no pressure, no call centers. He explains which carrier fits your profile and exactly why.
3
Get protected today
Apply online or by phone. Many plans offer same-day coverage with no medical exam required. Premiums lock in at today’s age rate.
Ready to get started? Larry answers personally — Mon–Sat, 9am–7pm ET.
📞 Call (754) 800-1152 — Larry answers directlyClient stories
What clients say about Larry
★★★★☆
4.7
• 3 Google Reviews
JR
John Redmond
March 2026
★★★★★
“Larry was really helpful, always available, and can answer any questions you have. Gets you a good policy — highly recommend.”
Posted on Google
CA
Curt Ash
March 2026
★★★★★
“On top of things, knows his job, explains things so you can understand what he says. Very nice experience.”
Posted on Google
KA
Kenneth Alexander
March 2026
★★★★
“My agent was very helpful and patient with me through my experience in getting me and my wife life insurance. Thanks Larry.”
Posted on Google
Common questions
Frequently asked questions
What types of life insurance does Anchor Life offer?
Anchor Life offers term life, whole life, universal life, and final expense insurance. As an independent broker, Larry compares 10+ A-rated carriers to find your best rate — not just one company’s options.
Do I need a medical exam to get coverage?
Most final expense and simplified issue policies require no medical exam at all. Many applicants are approved the same day with just a few health questions. Guaranteed issue options are also available for those with serious conditions — no health questions asked.
How much does life insurance cost?
Final expense insurance typically starts around $30/month for seniors, depending on age, health, and coverage amount. Term life can start as low as $18/month for younger applicants. Because Larry shops 10+ carriers, he can often find significantly lower rates than going directly to a single carrier like Colonial Penn or Lincoln Heritage.
Can I get covered if I have a pre-existing condition?
Yes — in most cases. Conditions like diabetes, COPD, heart disease, and even some cancer histories do not disqualify you. They simply mean certain carriers are a better fit than others. Larry pre-screens your health profile before recommending any carrier, so you never apply blind and risk a decline on your record.
What is an independent broker and why does it matter?
An independent broker like Larry is not employed by or captive to any single insurance company. That means he can shop across 10+ carriers on your behalf and show you who has the best rate for your specific age and health profile. A captive agent at a company like Colonial Penn or Lincoln Heritage can only offer their own products — even if a competitor would give you a better deal.
Compare life insurance rates from 10+ A-rated carriers.
Get your free, no-obligation quote in under 2 minutes. Larry answers personally.
📞 Call Larry Now — (754) 800-1152
📞 Get a Free Quote →
Free • No obligation • Mon–Sat 9am–7pm ET