Florida-Licensed · Division of North American Senior Benefits
Day-One Life Insurance Coverage at Florida’s Lowest Prices
Florida Life Insurance Depot is a full-service brokerage working with the highest-rated carriers in the country — including clients with pre-existing health conditions.
- Day-One Coverage
- Most Health Conditions Accepted
- Term, Whole, IUL, Annuities
Who we are
A small-town broker with national muscle.
Florida Life Insurance Depot is a full-service brokerage offering all types of Life Insurance — including Term Life, Whole Life, Children’s Policies, Annuities, and IULs — through many of the highest-rated carriers in the U.S.
We have carriers that will work with most health conditions, and we focus on getting our customers Day One coverage at the lowest prices in the State of Florida. We are a division of North American Senior Benefits (NASB), and we specialize in working with seniors and those on fixed or limited incomes.
In 2025 we sold over 500,000 policies, and we’re growing at a rate of 30% per year — among the highest growth rates in the industry.
Call now to talk to a live state-licensed agent and get a quote. 334-777-9732.
Why Florida chooses us
Built for the people big insurers turn away.
A real broker, not a captive agent. That means we can quote across many carriers and find the policy that actually fits you.
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Day-One Coverage
No long waiting periods. The protection you sign up for is the protection your family has — starting today.
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Lowest Prices in Florida
We shop policies across America’s highest-rated carriers and pick the one that fits your health and budget best.
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Most Health Conditions Welcome
Diabetes, heart conditions, prior cancer — we have carriers that will work with most pre-existing conditions.
Top-rated carriers
We shop America’s highest-rated carriers so you don’t have to.
A.M. Best A-rated and above. We pick the policy that actually fits your health, your timeline, and your budget.
- Americo
- CVS Health (Aetna)
- Transamerica
- Liberty Bankers Insurance Group
- United Home Life
- AIG
- Royal Neighbors of America
- Gerber Life
- Foresters Financial
- National Guardian Life
- Baltimore Life
- Columbian Financial Group
Logos coming soon. We’re sourcing each carrier’s official press logo — in the meantime, here’s the lineup we shop on every quote.
Why this matters
What happens when there’s no policy in place.
It’s not abstract. When a family loses someone without life insurance, the costs land within days — on the people who can least afford to absorb them.
- Funeral & final expenses average $8,000–$15,000.
- Outstanding debts don’t disappear — family often pays them.
- Lost wages can stretch months beyond the funeral.
- Grief counseling, travel, time off — nobody plans for it.
A small monthly premium today protects your family from all of this. Call 334-777-9732 — we’ll show you what’s actually affordable.
Meet your agent
Ray Holley
Ray is a Florida-licensed life insurance broker focused on seniors and families on fixed or limited incomes. He treats every quote like it’s for his own family — because for most of his clients, that’s exactly what it is.
Because Ray is a broker, not a captive agent, he can shop your case across more than a dozen top-rated carriers and find the one that says yes — even when other agents have said no.
Call Ray directly — 334-777-9732Free, no-obligation quote
Get your quote in minutes.
Tell us a little about you and what you want covered. Ray Holley or someone on his team will reply with carrier options, prices, and next steps — usually the same day.
- No phone tag — we work on your schedule.
- No medical exam required for most policies.
- Coverage decisions in days, not weeks.
Prefer a real voice? Call 334-777-9732.
Talk to a live, state-licensed agent right now.
334-777-9732No application. No commitment. We shop the carriers; you save.