Hi, I'm David. I'm the guy who shows up with the check.

Nobody wakes up excited to buy life insurance. I get it. But I've seen what happens when a family gets a check at exactly the moment they need it, and I've seen what happens when they don't. That's why I do this.

How I got here

I could not read in third grade. Letters and numbers looked backwards to me. The school found out I had severe dyslexia, and they moved me back to second grade. I felt ashamed, and I wanted to quit school. My mom would not let me. I finished high school on the honor roll.

Then I went to work. I have been a mechanic, a forklift salesman and a seafood salesman, and I am a former stock and commodities broker. I went through bankruptcy in 2006 and 2007. I put my head down, went back to work and rebuilt.

I started out raised by a single mom, and I never wanted a broken family of my own. Today I'm married and a father of four. My faith matters to me too.

I sell life insurance because I saw a better way to protect a family. I wanted one of these policies for myself. Now I help other families get that same protection.

I sell dreams. Guarantees are how they come true.

Guarantees are backed by the claims-paying ability of the issuing insurance company.

What I do

I'm a life insurance and annuity agent licensed in 30 states and Washington, D.C., based in Deerfield Beach. I work with families and business owners by phone and video call wherever I'm licensed, and in person at their homes in South Florida. I help people figure out how much coverage they actually need, what kind makes sense for their situation, and what it really costs, including the fine print most people never hear about until it's too late.

That covers term life, mortgage protection, whole life, indexed universal life (IUL), key person and buy-sell coverage for business owners, estate planning coverage, final expense and annuities, plus long-term care coverage where licensed.

How we meet

By appointment only. We meet by phone, by video call or in person at your home in South Florida, whichever is easier for you. There are no office meetings. Pick a time or call (850) 612-8175.

How I work

Plain English. If I use a word like "participation rate," I'll explain it.
The costs, out loud. Fees, caps, riders and surrender charges get discussed before you apply, not after.
Tools first. Our free calculators let you run the numbers yourself, with no email required.
No pressure. If the right answer is "the coverage you have is fine," I'll tell you.
Team player. For business and estate planning, I work alongside your attorney and CPA. I don't replace them.

South Florida

Life here has its own math: home values that climbed fast, insurance bills that climb every hurricane season, lots of small-business owners, and plenty of families supporting parents and kids at the same time. My job is to make sure your coverage fits that life, not some generic one.

Licensing and the details

Licensed Life Insurance & Annuity Agent ? FL License #W827787 ? Licensed in 30 states + Washington, D.C.

Florida life insurance agent license #W827787 (you can verify it on the Florida Department of Financial Services licensee search)
Licensed for life insurance and annuities in 30 states and Washington, D.C.: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, and Washington, D.C. Florida is my resident state; the others are nonresident licenses.
Independent agent: I work with several insurers, so I can show you options from more than one company.
Long-term care coverage where licensed
Meetings by appointment only: by phone, video call or in person at your home in South Florida. There are no office meetings.