Independent & licensed · 100+ families served

Protect your family.

Let's get clear on your insurance.

Affordable life insurance solutions for families, individuals, business owners, veterans, and retirees.

Get my free quote Call (207) 956-1745

No medical exam options · No obligation · Quotes in 60 seconds

100+

Families served

20+

A-rated carriers

$1M

No-exam coverage

Coverage BriefJC

$500,000

Term coverage · healthy 35-year-old

Monthly premium: ≈ $24
Approval time: 24–48 hrs
Medical exam: Not required
Carriers compared: 20+

Build my brief

01Coverage

The right protection for every stage of life

From your first policy to lifelong protection — coverage built around your real life, not a script.

Term Life

Maximum coverage. Minimum cost.

Lock in 10, 20, or 30 years of protection. A healthy 35-year-old can get $500k for under $25/month.

Lowest premiums available
Convertible to permanent later
No medical exam options up to $1M

Whole Life

Permanent protection + cash value.

Coverage that never expires, premiums that never increase, and guaranteed cash value you can borrow against tax-free.

Guaranteed lifetime coverage
Tax-deferred cash value growth
Dividend-paying carriers available

Universal Life

Flexible, lifelong coverage.

All the benefits of permanent insurance with the flexibility to adjust your premium and death benefit as life changes.

Adjustable premiums & death benefit
Indexed UL options for market upside
Living benefits for chronic illness

Jessica Claar, licensed life insurance agent in St. Petersburg, FL

02Why Jessica

An advocate in your corner

I'm Jessica Claar, an independent life insurance agent based in St. Petersburg, FL. Independent means I don't answer to any one carrier or sales quota — I answer to you. I compare 20+ A-rated carriers to find the coverage that actually fits your life and your budget, whether that's term, whole life, mortgage protection, final expense, or building tax-advantaged retirement through an IUL.

I do this work because I know firsthand what it feels like to have no safety net. I built my life from the ground up, and nothing was handed to me — that's exactly why I'm passionate about making sure your family always has one. My approach is simple: focus on your problem, not a product. I'll walk you through your options in plain English, and you decide. No pressure, no jargon.

Let's get clear on your insurance.

Independent — not captive

I shop 20+ A-rated carriers to find you the best rate. A captive agent can only offer one company's products.

100+ families, personally served

I've helped families navigate everything from first policies to estate planning. Experience matters when the claim is filed.

Honest advice, lifetime service

I'll tell you when you don't need more coverage. And I'm your agent for life — not just until the policy is signed.

03The process

Covered in three simple steps

Free 15-min discovery call

We talk about your family, income, and goals. No pitch — just questions and listening.

Custom side-by-side quotes

I shop 20+ carriers and walk you through 2–3 options that actually fit your situation.

Apply in under 20 minutes

Most policies are approved in days, not weeks. I handle the paperwork and follow-ups.

In their words

Trusted by families who needed it most

After my husband passed unexpectedly, the claim paid out in 9 days. The peace of mind that gave me and my kids — I can't put a price on it.

Sarah M.

Client since 2019

I shopped 4 agents before finding Jessica. Same coverage, $84/month cheaper, and she actually explained things in plain English.

James T.

Term life, $1M policy

Reviewed my parents' old whole life policies and found better coverage for less. Honest, patient, and never pushy. Wish we'd called sooner.

Priya K.

Whole life & policy review

04Free quote

Sixty seconds is all it takes

Fill this out and I'll personally email you 2–3 quotes from top-rated carriers within one business day. No spam, no robocalls — just real numbers from a real person.

Real quotes from 20+ A-rated carriers
Zero obligation — we may not even be a fit
Your info is never sold or shared

Jessica Claar · Licensed in FL · License #22200993

FAQ

Questions clients ask me most

How much life insurance do I actually need?

A common rule of thumb is 10–12× your annual income, plus enough to cover your mortgage, kids' future education, and final expenses. In a free 15-minute call I'll build you a personalized needs analysis — no obligation.

Can I get coverage without a medical exam?

Yes. Many of the carriers I represent offer accelerated or simplified-issue underwriting up to $1M+. Approval can take as little as 24–48 hours instead of 4–6 weeks.

What's the difference between term, whole, and universal life?

Term covers you for a set period (10/20/30 years) at the lowest cost. Whole life is permanent with guaranteed cash value growth. Universal life is permanent but flexible — you can adjust premium and death benefit over time.

How are you paid? Is the quote really free?

Quotes and consultations are 100% free. I'm compensated by the insurance carrier — not you — only if and when you choose to move forward with a policy. You pay the same premium with or without an agent.

What if I already have a policy?

I'll do a free policy review. About 1 in 3 clients I review are overpaying or underinsured — but if your current policy is the right fit, I'll tell you that too. Honest advice, every time.