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Independent Life Insurance Broker

Your future,
protected
with intention.

I work for you — not an insurance company. As an independent broker, I compare policies across top-rated carriers to find coverage that actually fits your life.

15+
Carriers
$0
Broker Fees
100%
Independent
1:1
Personal service

Insurance shouldn't feel complicated.

I started as an independent broker because I believed people deserved real guidance — not a sales pitch. My job is to listen, educate, and find you the right policy at the right price.

Whether you're a first-time buyer or looking to review existing coverage, I'm here to make the process feel simple, honest, and entirely centered on you.

Carriers I represent

Americo
Life & FEX
Ethos
Term Life
Foresters
Life Insurance
Instabrain
Insurance
Mutual of Omaha
Life & FEX
American General
Life Insurance
F&G
Life & Annuities
NLG
Life Insurance
Fidelity
Life Insurance
Aetna
Life & Health
American Amicable
Life Insurance
Transamerica
Life Insurance
Chubb
Life Insurance
TruStage
Life Insurance
Ameritas
Life Insurance

Coverage types

01
Term Life Insurance

Affordable coverage for a set period. Perfect for protecting your family during key financial years.

02
Whole Life Insurance

Lifelong protection with a cash value component that grows over time.

03
IUL

Index Universal Life — flexible premiums with cash value tied to market index performance.

04
Final Expense

Focused policies designed to cover end-of-life costs and give your loved ones peace of mind.

05
Policy Review

Already have coverage? I'll review your existing policy and make sure it still works for you today.

06
Free Consultation

No pressure, no jargon. Just a real conversation about what makes sense for your situation.

Learn which is right for you →

Why work with an independent broker?

  • 01
    I'm on your sideNot tied to any one company. My loyalty is to you.
  • 02
    More options, better ratesAccess to 15+ top-rated carriers means I shop the market for you.
  • 03
    No cost to youMy compensation comes from the carrier — your premium is the same.
  • 04
    A real person, alwaysNo call centers. You get me — responsive, honest, available.

Let's find your right coverage.

Fill out the form and I'll be in touch within one business day. No commitment required.

Phone(321) 313-4893
HoursMon–Fri 10am–8pm EST · Sat 12pm–6pm EST

Which type of insurance is right for you?

Not all life insurance is the same. Here's a plain-English breakdown of the three main types — and who each one is best for.

⏱️
Simple & Affordable
Term Life

Coverage for a specific period — usually 10, 20, or 30 years. If you pass away during the term, your family gets the payout. If the term ends and you're still alive, the policy expires.

  • Lowest monthly cost
  • Easy to understand
  • Great for young families
  • High coverage amounts available
Best for: Young parents, people with a mortgage, anyone who wants maximum coverage at minimum cost
🏦
Lifelong + Cash Value
Whole Life

Permanent coverage that never expires as long as you pay premiums. Builds cash value over time that you can borrow against. Premiums never go up.

  • Coverage for life — no expiration
  • Builds cash value you can access
  • Premiums stay the same forever
  • Can be used as an asset
Best for: People who want permanent protection, estate planning, or a policy that doubles as a financial asset
📈
Flexible + Growth Potential
IUL

Indexed Universal Life combines permanent life insurance with a cash value component that grows based on a stock market index — without the direct risk of market losses.

  • Cash value tied to market index
  • Protected from market downturns
  • Flexible premium payments
  • Tax-advantaged growth
Best for: Higher earners, people who've maxed out their 401k, those who want life insurance + retirement savings in one

Not sure which one fits? Take the quiz.

Your Best Match

Talk to Jenna about this

How much coverage do you actually need?

Enter your info below for a quick estimate. This isn't a quote — just a helpful starting point.

Estimated Coverage Needed
$0
Starting estimate — actual needs vary
Income replacement$0
Debt coverage$0
Children ($25k each)$0
Final expenses$0

Everything you need, in one place.

Links to file claims, access your policy, and contact each carrier directly. Bookmark this page — it's here whenever you need it.

Need Help?

Not sure which link to use or need help filing a claim? Call or email me directly — I'm happy to walk you through it.

(321) 313-4893 jenna@jennacalabrese.com

Jenna Calabrese · Life Insurance Broker

Business Card Front
Business Card Back
Name
Jenna Calabrese
Title
Life Insurance Broker
NPN
21474937

Want to save my contact info? Tap below to call or email directly.

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