Life insurance · Final expense · Florida

So your family isn't left with the bill

Life insurance replaces your income if you're gone. A final expense plan covers the funeral and the bills left behind. We explain both, compare options and tell you plainly what you can get based on your age and your health.

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Licensed agent since 2005
License L099276 · Cutler Bay office since 2009

Life insurance

Term: protection for 10, 20 or 30 years, while you pay off the house or the kids grow up. The lowest cost per dollar of coverage
Permanent (whole life): lifetime coverage with a level premium
You choose your beneficiaries and can change them whenever you want
The company reviews your application and your health before approving; some policies require a medical exam and others only health questions

Final expense

Small policies designed for the funeral, cremation or burial and outstanding bills
For adults and seniors; available ages and amounts depend on the company
Many plans ask health questions only, with no medical exam. Approval and price depend on your answers
The benefit is paid to the person you name, to use as the family needs

Final expense through King Insurance Pro LLC, the final expense agency of SVM Insurance.

How to know how much you need

What you owe: mortgage, car, credit cards
What your family needs each month to live, and for how many years
What a funeral costs in Florida today
What you already have: savings or coverage from work, which you usually lose if you change jobs

What you'll need

Date of birth and whether you smoke
Medications you take and major health conditions
Names of your beneficiaries
15 minutes on the phone. If something isn't right for you, we say so

Proof, not promises

2005

Licensed agent since 2005

Roberto Rojas Jr. has insured Florida families for more than 20 years.

2009

Cutler Bay office since 2009

Same office, open Monday through Saturday. 18901 SW 106th Ave, Suite 124.

5.0

300 Google reviews

Written by real clients. Read them on Google.

A+

Better Business Bureau

BBB accredited since 2018, A+ rating.

Elite Plus

Marketplace Circle of Champions

CMS recognition for Roberto Rojas Jr. (NPN 8520815), every year since 2019. It does not imply government affiliation or endorsement.

Prefer a call back?

Leave your number and a licensed agent calls you during office hours, Mon–Fri 9 to 5:30 and Sat 9 to 2.

Frequently asked questions

What's the difference between life insurance and final expense?

Life insurance is meant to replace your income: larger amounts, to protect the people who depend on you. Final expense is a small policy designed to pay for the funeral and the bills left behind. Many families have both.

Can I be declined?

Yes. Every policy is subject to company approval based on your age, your health and your answers. That's why we ask first and tell you honestly what your options are, instead of promising something that won't be approved later.

Do I need a medical exam?

It depends on the policy and the amount. Many final expense policies only ask health questions. Larger life policies usually require an exam, paid for by the company.

How much does it cost?

It depends on your age, your health, whether you smoke and the amount you choose. We don't quote prices without knowing your case. A 15-minute call gets you real options.