Independent Guidance. Better Coverage. No Guesswork.

Your income, your home, and your family’s future deserve more than a one-size-fits-all policy. As an independent broker with over 16 years of experience, I work with multiple A & A+ rated carriers to find the right coverage – built around your life, your health, and your budget.

My Network of A & A+ Rated Carriers

Real Protection. Rates You'll Actually Afford.

Straightforward coverage designed to protect what matters most — your family, your home, your future. No surprises, no fine print.

Coverage amount	Starting at
$100,000	$6/ mo
$200,000	$10/ mo
$500,000 Most popular	$13/ mo
$1,000,000	$18/ mo
$2,000,000	$30/ mo

Who I am?

I’m the founder of DeFazio Insurance Brokerage, and I specialize in helping individuals and families lock in the right protection before it becomes expensive—or unavailable. This isn’t about selling policies. It’s about structuring coverage correctly the first time so there are no gaps, no surprises, and no guesswork down the road.

With over 16 years in sales and client strategy, I’ve seen where people get misled, overpay, or end up with coverage that doesn’t actually protect them when it matters. My role is to cut through that—quickly identify what you qualify for, what makes the most sense financially, and how to structure it for long-term flexibility.

As an independent broker, I work with 40+ A and A+ rated carriers. That means we’re not forcing one product—we’re finding the best option based on your health, budget, and goals. More importantly, we focus on policies that include living benefits and real flexibility, not just a payout someday.

I run a very direct, efficient process. We get you properly qualified, review your options, and if it makes sense, we move forward. If not, you’ll at least know exactly where you stand. Either way, you’re walking away with clarity—and that’s the goal.

Insurance Solutions That Keep You Protected and Confident

Every client’s situation is different. That’s why I offer a focused range of insurance solutions designed to address the real financial risks individuals and families face — from protecting your income today to building long-term stability for tomorrow.

Mortgage Protection & Equity Protection

Keep your family in their home no matter what happens. I help you protect your mortgage and the equity you've worked hard to build.

Indexed Universal Life (IUL)

Build cash value and long-term wealth with a flexible policy that grows with the market — while protecting you from the downside.

Whole Life & Term Life Insurance

Lifelong or term-based — I'll help you find the right level of protection for your family at a price that fits your budget.

Final Expense & Guaranteed Issue Whole Life

Give your family peace of mind. These plans cover end-of-life costs so your loved ones aren't left with unexpected financial burdens.

Annuities and Health Insurance

Secure reliable retirement income and the right health coverage - all in one place. I'll help you build a plan that protects both your health and your financial future

Experienced, Independent, and Always On Your Side

Working with an independent broker means you get honest guidance — not a sales pitch tied to one company’s products. I combine 16+ years of industry experience with a straightforward, client-first approach to make sure you walk away with a policy you actually understand and can rely on.

Independent broker : I shop multiple A & A+ rated carriers so you get the best fit, not just the easiest option
Transparent pricing with no hidden fees : or confusing fine print

Let's Talk About Protecting Your Future

Whether you’re exploring your options for the first time or looking to review an existing policy, I’m here to help. Reach out and I’ll get back to you promptly.

Strategic Financial Protection — Built Around You

⦁ Independent Broker — No Bias:
I shop top A & A+ carriers and match you based on health, goals, and budget — so you get the strongest approval and best structure. Not what’s convenient. What’s right.

⦁ Mortgage Protection & Living Benefits:
This isn’t just a payout when you pass. It’s built to protect your income, your home, and give you access to benefits while you’re living. That’s real coverage.

⦁ Built for the Long Term:
I don’t sell short-term fixes. Your plan is designed to last, with flexibility to adjust as life changes — without starting over.

⦁ Simple, Direct Process:
We run a quick qualification, I show you what you qualify for, and we move forward based on facts. No guesswork.

⦁ Bottom Line:
We lock in the right coverage at the best rate you qualify for — and close your file properly.

Why Clients Choose DeFazio Insurance Brokerage

We make protecting your family simple, clear, and built around what actually matters to you — no confusion, no pressure, just the right coverage done the right way.

1. Clear, Straightforward Guidance

No confusing language or hidden details. You’ll always know exactly what you have, how it works, and why it fits your situation.

2. Fast, Efficient Process

From qualification to approval, everything is designed to move quickly and smoothly — without unnecessary delays or back-and-forth.

3. Ongoing Support You Can Rely On

We don’t disappear after you’re approved. Whether it’s updates, questions, or claims, we’re here to make sure everything continues to work the way it should.

Client satisfaction with responsive, stress-free service

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Families and individuals protected

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Insights, Guides & Insurance Updates

Stay informed with the latest articles on insurance trends, policy planning tips, and expert guidance to help you make smarter decisions about your coverage.