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Term life insurance is designed to give you the most coverage for the lowest cost during the years you need it most. It provides a set amount of protection for a specific period (like 20 or 30 years), helping ensure your mortgage and major expenses are covered if something happens to you.
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| 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 |
Ensure your loved ones are financially secure if something happens to you — covering income loss, daily expenses, and future needs.
Choose between Term Life for affordable protection or Whole Life for permanent coverage based on your goals and budget.
Know exactly what you’re paying. No surprises — just consistent premiums you can plan around.
With Whole Life, lock in coverage that never expires and builds guaranteed value over time.
Get covered without unnecessary delays. The process is straightforward and designed to save you time.
Feel confident knowing your family is protected and your financial responsibilities are covered.
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.
Term life insurance is the right choice when you know what you need to protect and for how long.
We talk for 15 minutes. I’ll ask about your mortgage, your health, and your worries.
I shop multiple A & A+ rated carriers to find a plan that fits your budget. No pressure. No obligation.
You review the options. If it makes sense, we move forward. If not, no hard feelings.
You get protected. I stay in your corner for questions or claims down the road.
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.
