Home › Resources

Resources

How this actually works

Plain explanations of how these products actually work — Florida rules, contract mechanics, and the questions worth asking before you sign. Every claim is cited to the statute or regulation so you can check it yourself.

• Annuities

  Florida's annuity free-look period is 21 days — not 14

  Florida law gives every annuity buyer at least 21 days to return the contract for a full refund, at any age. A lot of published guidance still says 14 days, or says 21 only applies to seniors. Both are out of date.

  5 min read · updated 2026-09-17

• Annuities

  What Florida caps on annuity surrender charges — and what it doesn’t

  Florida limits surrender charges on annuities sold to buyers 65 and over. Below that age there is no statutory cap at all. Here is exactly where the line falls, and what the law requires instead.

  6 min read · updated 2026-09-17

• Final Expense

  Graded benefit final expense: read the schedule, not the plan name

  Two carriers can both call a policy “graded” and mean completely different things about what your family receives in year one. Here is how to tell which kind you are actually being offered.

  7 min read · updated 2026-09-17

• Mortgage Protection

  Mortgage protection, mortgage life and PMI are three different things

  All three get called “mortgage insurance.” One pays your family, one pays the lender, and one protects the lender against default and pays no death benefit at all. The distinction decides who gets the money.

  6 min read · updated 2026-09-17

• IUL

  Why the IUL illustration you were shown in 2019 looks different today

  The rules governing what an indexed universal life illustration may show have been tightened four times since 2015. If you are comparing an old proposal to a new one, you are not comparing like with like.

  7 min read · updated 2026-09-17

• Life Insurance

  Replacing a life policy in Florida: the forms you should be handed

  If an agent proposes replacing your existing life insurance, Florida requires specific disclosures at specific moments — including a comparison you can demand from the company you already have.

  6 min read · updated 2026-09-17