Affordable Protection For Your Family's Future

Term life insurance solutions through Florida Combined Life Insurance.

Affordable Protection For Your Family's Future

Term life insurance solutions through Florida Combined Life Insurance.

No One Will Debate the Importance of Life Insurance ...

Life Happens logo.

Yet some common misconceptions remain that keep people from exploring the options available to them. These are the "Facts of Life" from

haven't bought life insurance or more of it because they're unsure of how much or what type to buy.
put expenses such as cable and cell phone ahead of buying life insurance.
of Americans overestimate the cost of life insurance.

2015 Insurance Barometer Study, Life Happens and LIMRA

When You Think Life Insurance, Think Life Event

Typically the best time to review your current life insurance situation is directly before or after a major life event. What stage of life are you in?

Married or getting married

Many families depend on two incomes. Would your spouse be able to maintain their standard of living if you died suddenly?

A parent or about to become one

New parents need life insurance more than anyone because their children rely on them for everything.

New homeowner

Life insurance can help pay down a mortgage to keep your family from having to move.

Job change

Whether you've been promoted or changed jobs, this can be a good time to ensure your family would be able to maintain its lifestyle.


Would your spouse have to make a drastic change to their lifestyle to make ends meet?


Whether you're providing financial support for family or carrying debt, you should consider life insurance.

Offering LifeEssentialsSM Term Life Insurance Protection Through Florida Blue

LifeEssentials Level Term Individual Life is an underwritten product that enables you to customize a number of the plan features.

Age 18 – 64

Life Essentials Level Term is available to all individuals between the ages of 18 to 64.

Up to 30 Years of Coverage

How long your term policy lasts is up to you. Choose from 10, 15, 20, 25 or 30 years of coverage.

Up to $100,000 of Coverage

Choose from coverage amounts of $25,000, $50,000, $75,000 or $100,000.

Optional Wavier
and Rider

Optional Wavier of Premium and Accidental Death riders can be added to each plan.

30-day Free Look Period

Not happy with your term life plan within the first 30 days? Just cancel the coverage and all premiums will be refunded.

Life EssentialsSM is offered through Florida Combined Life Insurance Company, Inc. (FCL), an affiliate of Blue Cross and Blue Shield of Florida, Inc. (BCBSF). BCBSF and FCL are Independent Licensees of the Blue Cross and Blue Shield Association. The amount of benefits provided depends upon the plan selected and the premium may vary with the amount of benefits selected.

Frequently Asked Questions