Super Insurance of South West Florida
Southwest Florida

Life Insurance in Bonita Springs, Naples, Fort Myers and Estero

Term, whole life and final expense insurance. Life insurance is offered through Todd Shelbaugh of Insurance Insights, an independent life insurance agency we work with. Todd compares quotes from the carriers he works with and can review the policies you already own, subject to carrier availability and underwriting.

(239) 495-0805
Free, no-obligation

Start your quote

0%
About you
Coverage
Your details
Date of birth 
Gender 

How we use and share your information: Privacy Notice.

What happens next
  1. 1 Your details go to Todd, who compares carriers that offer life insurance.
  2. 2 Todd comes back with your options, usually the same business day.
  3. 3 You decide. No obligation, and we do not sell your information.
Super Insurance Insurance Insights

Life insurance arranged with a dedicated life insurance agent

Life insurance is often a longer conversation than a car quote, so we work with a life insurance agent who focuses on it full time. We introduce you to Todd Shelbaugh of Insurance Insights, who has worked in life insurance and estate planning for decades. We stay in touch with you throughout.

  • Term vs. permanent. Understand the differences between term and permanent coverage.
  • Later-in-life coverage. Options may be available at older ages or with health conditions, subject to underwriting.
  • Funeral and final expenses. Coverage that may help with end-of-life expenses.
  • Policy reviews. Review policies you already own and the beneficiaries they name.
  • Long-term care and business coverage. Planning discussions for long-term care, including policies that combine life insurance with long-term care benefits, and for business owners, where available.
Todd P. Shelbaugh

Todd P. Shelbaugh

Managing Partner, Insurance Insights

Todd founded Insurance Insights in 2008 and brings decades of experience in life insurance, estate planning, and wealth transfer strategies. Having previously represented organizations such as Northwestern Mutual and National Financial Partners, he specializes in helping clients use insurance for protection, retirement planning, long-term care, and legacy goals. Todd takes a holistic, personalized approach, believing that every solution should be tailored to the unique needs of the individual or business owner. We make the introduction and stay in touch with you throughout the process.

Independently licensed in Florida · Look up any agent's license

Request a quote Book a consultation

Todd Shelbaugh is an independently licensed agent and the managing partner of Insurance Insights, a separate firm. Life insurance arranged through this introduction is handled by Todd and Insurance Insights, not by Super Insurance of South West Florida. Paul Hancock, owner of Super Insurance, may receive compensation on sales made through this introduction. Neither Todd nor Super Insurance provides legal or tax advice. Insurance Insights

Policy types

Types of life insurance and what each is for

Many people start with what the coverage needs to do and for how long, rather than with what a policy might earn.

Comparison of term, whole life, universal life and final expense insurance
Term Whole life Universal life Final expense
Duration Set period, often 10, 20 or 30 years Lifetime, if premiums are paid Lifetime, if adequately funded Lifetime, if premiums are paid
Premiums Typically level for the term Typically level Flexible, within policy limits Typically level
Cash value Typically none Yes. Guarantees are based on the insurer's claims-paying ability. Yes. May decrease if underfunded. Typically small
Typical use May be used to cover a mortgage or family income over a defined period May fit a lifelong need, such as final costs or a legacy May fit a lifelong need, with flexibility and regular reviews May help cover funeral and final costs

Indexed universal life may credit interest linked to a market index, subject to caps and participation limits, and may credit none in some periods. It is life insurance, not an investment. Projected values are illustrations, not guarantees. Features vary by carrier and product, and coverage is subject to underwriting.

Getting covered later in life

Can I still get covered at 60, 70 or older?

Often, depending on the carrier and your health. Age and health affect how a carrier underwrites you and what the coverage may cost. Approval is not guaranteed.

  • Fully underwritten

    Medical records and sometimes an exam. May offer the lowest price for applicants in good health, subject to underwriting.

  • Simplified issue

    Typically no medical exam, only health questions. Approval depends on your answers.

  • Guaranteed issue

    Typically no health questions, with lower coverage amounts and often a limited benefit in the first years.

  • Health conditions

    Many conditions, such as diabetes or a heart history, do not automatically rule out coverage. They can affect which carriers and products may fit.

  • Age limits

    The oldest age at which a policy can start varies by carrier and product.

  • Couples

    Survivorship policies typically cover two people and pay after the second death.

Declined before, or told you're too old? Carriers differ on age and health, and an agent who works with several carriers may be able to identify options. Approval is not guaranteed. Call us at (239) 495-0805.

Living benefits

Living benefit riders on life insurance, explained

Some life policies offer riders that may pay part of the death benefit early if you are diagnosed with a qualifying terminal, chronic or critical illness. Because riders are sometimes described more broadly than their terms support, the actual rider wording matters.

Rider availability, qualifying conditions and costs vary by carrier and product. Todd can review the actual rider wording with you before you apply.

Four things to know
  • Not long-term care insurance. Living benefit riders are not a substitute for a long-term care policy.
  • Reduces the death benefit. Amounts paid early typically reduce the benefit your beneficiaries receive.
  • Possible tax treatment. Payments may be taxable in some circumstances. Consult a tax advisor.
  • Possible benefit impact. Receiving payments may affect eligibility for Medicaid and other public benefit programs.

Riders may carry an additional premium or a fee when exercised. Features are subject to policy terms and underwriting.

Already own a policy?

When Did You Last Review Your Life Insurance Policy?

Many households hold life policies purchased years ago. Some older universal life policies were designed around interest rate assumptions that may no longer apply, and they may require higher premiums to stay in force. Beneficiary designations can also become outdated after a marriage, divorce or death.

A review does not mean replacing anything. Replacing a policy can involve new charges and a new contestability period, and replacement rules may apply. In some cases, a review may confirm that the existing policy is still working as intended, though results vary.

Is it still funded?
An in-force illustration from the carrier may show how long a policy could last at current premiums. Illustrations are not guarantees.
Who does it name?
Beneficiary designations often take precedence over a will, so it is worth confirming they match your wishes.
Is the term ending?
Some term policies may be convertible to permanent coverage without new health questions, up to a deadline set by the policy.

General information only, not legal or tax advice. Policy features vary by carrier and contract. Whether to keep or replace a policy is your decision.

Bring what you have

The policy itself, its most recent annual statement and your current beneficiary designation. If you cannot find the policy, the carrier may be able to send you a copy.

Common questions

Life insurance, answered

Do I need life insurance after 65?

It depends on who relies on you. Common reasons include a surviving spouse who could lose part of a pension or Social Security income, debts you would leave behind, final costs, and estate plans. Some retirees find they no longer need coverage. Todd can talk through your situation with you.

My mortgage is paid off. Do I still need life insurance?

Possibly not for the mortgage. Before letting a policy go, it can be worth reviewing other needs, such as income a spouse could lose, final costs, and what you want to leave behind. Consider the policy's cash value, conversion options and your health before canceling, since replacing coverage later may cost more or may not be available.

How much does life insurance cost at 70 in Florida?

Cost depends on your health, the amount of coverage, and the type of policy. Guaranteed issue policies typically cost more per dollar of coverage than fully underwritten ones. Todd can request quotes from the carriers he works with so you can compare options. Quotes are not guaranteed and are subject to underwriting.

Can I get life insurance with diabetes?

Possibly. Carriers typically consider how well the condition is managed and whether there are complications, and their guidelines differ. Todd compares options across the carriers he works with. Approval and pricing are subject to underwriting and are not guaranteed.

Is term or whole life better for retirees?

It depends on the need. Term insurance typically covers a need with an end date at a lower premium. Whole life typically covers a lifelong need, such as final costs, at a higher premium. Some retirees use a combination, or a smaller final expense policy. Todd can review which structure may fit your situation.

What is final expense insurance?

A smaller whole life policy that may help cover funeral and final costs, typically with simpler underwriting than a larger policy. Many have waiting periods or graded benefits in the early years, so review the policy terms carefully.

Can I get life insurance without a medical exam?

Possibly. Simplified issue policies typically ask health questions instead of requiring an exam, and approval depends on your answers. Guaranteed issue policies typically ask no health questions but offer lower amounts, and the benefit may be limited in the first years. Pricing is typically higher than for fully underwritten coverage.

What are living benefits?

Living benefit riders may pay part of the death benefit early after a qualifying illness. They are not long-term care insurance, they typically reduce the death benefit, payments may be taxable in some circumstances, and they may affect eligibility for programs such as Medicaid. Availability, cost, and qualifying conditions vary by carrier and product.

Are life insurance payouts taxable?

Death benefits paid to a beneficiary are generally not subject to federal income tax, though exceptions exist, and other situations, such as policy loans, surrenders, or accelerated benefits, may be taxed differently. Talk to a tax advisor about your circumstances.

Life insurance is arranged through Todd Shelbaugh, an independently licensed agent and the managing partner of Insurance Insights, a separate firm, and not by Super Insurance of South West Florida. Policies are issued by the insuring carrier and are subject to underwriting approval. Availability, features and rider terms vary by carrier. Death benefits paid to a beneficiary are generally not subject to federal income tax; talk to a tax advisor about your own circumstances. This page is general information, not tax, legal or investment advice.

Ready to talk about life insurance?

Start with a few details, and Todd will follow up to talk it through.

Start your quote (239) 495-0805

Other coverage we offer

Homeowners Insurance

Homeowners coverage for your property. We compare carriers for standard homes, and we may be able to find options for older roofs, non-renewals, and homes looking for an alternative to Citizens.

Homeowners Insurance

Flood Insurance

NFIP and private flood compared side by side, including whether Citizens now requires you to carry it.

Flood Insurance

Manufactured Home Insurance

Manufactured and mobile homes: park or private land, tie-downs, roof age and occupancy can all affect which carriers will write your home. We work with carriers that insure these homes and compare your options.

Manufactured Home Insurance