Licensed Florida Agency · A-Rated Carriers

Coverage this certain used to take weeks. Now it takes one call.

PFG matches Florida families with life insurance from A-rated carriers in a single 10-minute phone call. Licensed advisors, three transparent options, zero pressure — and coverage that can start the same day.

10 minaverage call to a clear decision
A-ratedcarriers only — we shop them for you
Same-daycoverage available on most final expense plans
$0cost to compare your options
Premium leadsLive licensed advisorsSame-day coverageA-rated carriers onlyOne call, three options Premium leadsLive licensed advisorsSame-day coverageA-rated carriers onlyOne call, three options
Why PFG

Life insurance had an experience problem.
We fixed the experience.

One call. Three options. Your choice.

No home visits, no three-appointment sales circus. A licensed advisor builds good / better / best around your budget on one call — and tells you plainly if what you already have is worth keeping.

🛡

Licensed humans, modern tools

Real Florida-licensed advisors quoting live from carrier software — not a call-center script, not a chatbot. You see exactly what you qualify for, priced to the dollar.

We stay after the sale

Your advisor stays your contact: a review every year, help the day a claim happens, and one number saved in your phone that actually picks up.

The difference

The old way vs. the Pence way

The old way

  • Three appointments and a kitchen-table pitch
  • One company's products, pushed hard
  • An agent who vanishes after the sale
  • Pressure until you sign

The Pence way

  • One 10-minute phone call
  • Multiple A-rated carriers, compared live
  • Annual reviews and one saved number that answers
  • Three options, your pick, zero pressure
Coverage

Protection for every stage

Because we represent multiple A-rated carriers, we work for the family on the call — not for one insurance company.

Most requested

Final Expense

Funeral costs and final bills handled — no medical exam for most, price locked for life. Ages 50–85.

Homeowners

Mortgage Protection

If something happens to you, the house stays in the family.

Families

Term Life

Maximum coverage per dollar while the kids are home and the bills are big.

Permanent

Whole Life

Lifetime coverage building guaranteed cash value.

Build & protect

Indexed Universal Life

Protection plus tax-advantaged growth potential — offered only where it genuinely fits.

Retirement

Annuities

Turn savings into protected income you can't outlive.

Explore all coverage →

How it works

Three steps. About a week, start to covered.

Book your callPick a time that works — two minutes on the calendar, that's it.
See your exact optionsA licensed advisor runs your age and health across our carriers live and shows you three plans priced to the dollar.
Get coveredApprove on the call — most final expense policies issue within days, some the same day. Your advisor stays your contact for life.
Straight answers

The questions everyone asks

Is this a sales call?

It's a comparison call. A licensed advisor runs your age and health across multiple A-rated carriers and shows you three real options priced to the dollar. If none of them beat what you have — or you simply pass — the call ends politely and your phone doesn't blow up afterward.

I already have coverage. Why bother?

Bring it to the call. If your policy is solid, we'll tell you so and put it in writing — that's a published standard here. Work coverage is the one worth double-checking: it usually ends the day the job does.

Why phone instead of someone coming to my house?

Speed and honesty. On the phone we compare carriers live on screen, you decide at your own kitchen table without a stranger sitting at it, and coverage can be in force the same day instead of after three appointments.

How does PFG get paid?

By the insurance carriers, when a policy is placed. Comparing options costs you nothing, and because we represent many carriers instead of one, our incentive is fit — a policy that fits stays in force, and that's the number we measure our advisors on.

What if my health isn't perfect?

Different carriers treat the same condition very differently — that's precisely why independent agencies exist. Diabetes, blood pressure, heart history: there's usually a carrier that takes it well, and finding that carrier is the job.

Ready when you are

Ten minutes today can protect your family for decades.

Licensed Florida advisors · Multiple A-rated carriers · By phone or video, on your schedule

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