Independent broker · Licensed in Florida
Protection that holds up when the plan meets real life.
Osurity is an independent insurance broker. We model your actual numbers, put every trade-off in plain language, and only recommend coverage that earns its premium.
What we do
Three disciplines, one conversation
Most households need a mix. We start with the gap, not the product.
Protect
Life Insurance
Term for the years that carry the most risk, permanent coverage where the need never ends. We compare carriers rather than sell one.
- Term, whole life and IUL
- Independent carrier comparison
- Underwriting guidance
Guarantee
Annuities
Convert a portion of savings into income you cannot outlive, with the trade-offs stated before you sign, not after.
- Fixed and fixed indexed
- Income riders explained
- Surrender terms in writing
Sequence
Retirement Planning
Where income comes from, in what order, and how tax treatment changes the answer across a 30-year retirement.
- Withdrawal sequencing
- Tax diversification
- Longevity stress tests
Coverage model
How much coverage does your household actually need?
Move the sliders. The premium band reflects real level-term pricing for a healthy non-smoker — a range, because underwriting class and carrier move the number.
Recommended coverage
$2.29M
$2,288,000 total benefit
- Income replacement
- $1,840,000
- Dependents
- $300,000
- Debt
- $148,000
Level term, healthy non-smoker, 20-year term.
This is an illustrative planning model, not a quote or an offer of insurance. Final premiums depend on age, health, underwriting class, carrier and state of issue.
Get an exact quoteCompare
Term, whole life and IUL, side by side
No blanks, no half-truths. Term life has no cash value and no growth, and it ends. That is the point of it.
Pure protection for a fixed period. The most coverage per dollar, and nothing else.
- What it's for
- Income protection for a defined window
- How long it lasts
- 10, 15, 20 or 30 years
- Premium
- Lowest cost per $1,000 of benefit
- Cash value
- None
- Growth
- Not applicable
- Access to cash value
- Not available
- Expiry
- Coverage ends at the end of the term
- Typically suits
- Young families, mortgages, business loans
For business owners
Key person, buy-sell and Section 162 bonus plans
A partner's death should not force a sale, and a key employee's exit should not end the company. We fund the agreements that keep a business intact — with the tax treatment spelled out.
Corporate servicesNext step
A conversation, not a sales call
Tell us what you're trying to protect. We'll tell you what it takes, and whether you already have it.
- Toll free
- 1-786-548-0104
- Direct
- 1-305-916-8808
- info@osurity.com
Life insurance and annuities are not FDIC insured, are not bank deposits, are not guaranteed by any bank, and may lose value.