Life Insurance · Florida

Make sure the people
you love are okay.

The life-insurance pitch usually comes with pressure. Ours doesn't. Luna pulls real term, whole, and no-exam numbers, and a bilingual local advisor — no scare tactics — helps you land on the right number for your familia. Punto.

4.7 · Google reviews
No-exam options
Se habla español
A family together on a Miami pier at sunset
Protected in Miami
Family first.
Luna matched a plan
Term · 20yr
$500k term
$31/mo
Saved
No exam
Approved
Some in 24 hrs

Comparing real life quotes from top-rated carriers

Geico Nationwide Liberty Mutual Travelers Mercury
Your options

Life insurance, without the mystery.

Two main flavors, a few smart add-ons, zero pressure — here's how to think about it like a person, not a prospect.

Term life — the workhorse

The most coverage for the least money — a fixed payout over 10, 20, or 30 years. Perfect for the mortgage and the years the kids still need you. Most families start and stay here.

Get a term quote →

Whole & permanent

Never expires and builds cash value over time. A fit for estate planning, a lifelong dependent, or anyone who wants a guaranteed payout plus a tax-advantaged place to grow money.

Bonus
Builds cash value

No-medical-exam

Skip the needles. Plenty of folks qualify for solid coverage off a few health questions — approved in as little as a day.

See if you qualify →

Final expense

Smaller, affordable policies built to cover the funeral and final bills so your family isn't passing a hat.

Learn more →
Worth knowing

The riders that make a policy yours.

Living benefits you can tap if you're diagnosed with a serious illness, the right to add coverage later, and waived premiums if you're disabled — the riders that make a policy actually yours.

Living benefits Child rider Guaranteed insurability Waiver of premium Accidental death
Luna Smart Quote Engine

Honest options,
zero pressure.

Luna pulls real term, whole, and no-exam numbers from top-rated carriers. A bilingual local advisor only steps in when you want to talk it through — no scare tactics, no 9pm sales calls.

Live price check
Luna pings multiple carriers at once to see who actually wants your business today.
No pushy sales call
Life insurance is famous for pressure. Luna shows you real numbers first, and an advisor only joins when you ask.
A human signs off
A licensed Florida advisor reviews every option before anything changes. Luna never binds coverage alone.
Luna Assistant
Online
Checking ratesComparing term rates for a healthy 35-year-old…
Best $500k 20-year term is $31/mo, no exam.
AdvisorWant me to have a licensed advisor walk through term vs. whole with you? No obligation.
A family enjoying a park in Miami
Why it matters
For your people
Coverage that fits your life

The right amount,
not the most expensive.

A good advisor sizes your coverage to your real life — la hipoteca, the income to replace, the kids' school years — and stops there. No overselling, just a number that makes sense for your familia.

10–30 yr
Term lengths matched to your mortgage and your kids' timeline.
No exam
Many applicants skip the medical and get approved in days.
Income x
A simple rule of thumb we tailor to your actual budget.
Bilingual
Sensitive conversations, handled in English or Spanish.
Real talk

Life insurance, demystified.

"Two kids and a mortgage and I'd been putting this off for years because I dreaded the sales pitch. wyn just showed me the numbers, answered my questions, and I had a 20-year term policy that night. Huge weight off."

Daniel & Rosa V. · Kendall · Term Life

Take care of your people.

Get a life quote in minutes — or unlock member rates and dark mode with 305.