Insurance Solutions for Southwest Florida
We understand every client has unique insurance needs. Ensure your family and assets are protected by trusted options.
Protect What Matters Most
Most families don't think about life insurance until it's too late.
- 42% of American adults have no life insurance coverage at all. -LIMRA 2024
- The average gap between what families have and what they need falls around $400,000.
- The average American family can cover expenses without their primary earner's income for only 6 months. - Federal Reserve
The best time to get covered is before you need it. This is where Jessica Mak comes in.
About Jessica Mak
As a licensed, independent insurance professional with 10+ years of experience, Jessica Mak provides tailored insurance solutions to ensure comprehensive protection for your family and assets.
"Our goal is to guide Southwest Florida families through the complexities of insurance policies with clarity and care. We prioritizes your peace of mind above all else."
Ready to start your coverage journey?
Life Insurance Options
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
The most straightforward and affordable type of life insurance. You choose a coverage period (10, 20, or 30 years) and if something happens during that time, your family receives the full death benefit. Once the term ends, so does the coverage unless you renew or convert.
Best for young families, mortgage holders, and anyone needing affordable protection during peak earning years.
Whole Life Insurance
Universal Life Insurance
Whole Life Insurance
Permanent that lasts your entire lifetime, as long as premiums are paid, with guaranteed cash value growth. Your premiums never increase, and you can borrow against the policy's value over time. Predictable, stable, and designed for long-term financial stability.
Best for people who want lifelong coverage, guaranteed savings growth, and long-term financial stability.
Universal Life Insurance
Universal Life Insurance
Universal Life Insurance
A flexible permanent policy that lets you adjust your premiums and death benefit as your life changes. Cash value grows at a credited interest rate, giving you room to adapt your coverage as your income and family needs evolve over time.
Best for people who want permanent coverage with the flexibility to adapt as their income and family needs change.
Variable Life Insurance
Financial Expense Insurance
Universal Life Insurance
Combines permanent life insurance with investment options tied to market sub-accounts. Offers higher growth potential for those comfortable with market exposure, while still providing a guaranteed death benefit to protect your family.
Best for financially savvy individuals comfortable with market risk, who want insurance and investment growth in one policy.
Financial Expense Insurance
Financial Expense Insurance
Financial Expense Insurance
A smaller whole life policy designed to cover funeral costs, cremation, medical bills, and other end-of-life expenses. Typically $5,000 to $25,000 in coverage with simplified approval, so your family isn't left with financial burden during the hardest time.
Best for seniors and anyone who wants to ensure end-of-life expenses are covered without burdening loved ones.
Group Life Insurance
Financial Expense Insurance
Financial Expense Insurance
Typically offered through your employer as part of a benefits package, providing basic coverage (oftentimes 1-2x your salary) at little to no cost. A solid starting point, but it usually ends when you part ways with your employer, so it is often worth supplementing with individual coverage.
Best for employees seeking baseline coverage, but often best supplemented with an individual policy for full protection.
Frequently Asked Questions
Getting life insurance doesn't have to be confusing. Here are answers to the questions we hear most.
Please reach us at jmakinsurance@outlook.com or fill out the "Contact Us" form below if you cannot find an answer to your question.
An independent agent is not tied to one company. Jessica is free to shop across multiple carriers to find the best coverage and pricing to match your specific needs. Most importantly, she's with you for the long term, not just for the sale.
We offer a range of life insurance options including term life, whole life, variable life, final expense, universal life, and group coverage.
The amount of life insurance you need will depend on factors such as your income, debts, and family's financial needs. A common guideline is 10-12x your annual income, but it does depend overall on your needs and goals. We can help you determine the best range of coverage for you.
Life insurance is more affordable than most people think! A healthy 30-year-old can often get $500,000 in term coverage for only $25-30 per month. The cost of waiting is almost always higher than the cost of starting now.
Some policies can be issued in as little as 24-48 hours. Traditional underwritten policies typically take 2-4 week. We will guide you through the fastest path based on your situation.
Yes! While health conditions may affect pricing, there are policies designed for almost every situation - including guaranteed issue and simplified issue policies that require no medical exam.
Term life insurance provides coverage for a set period (10-30 years) at a lower cost. Whole life insurance provides coverage for your entire lifetime and includes a savings component, but premiums are higher. Many families use a combination of both.
Contact Us
Term Life • Whole Life • Universal Life • Variable Life • Final Expense • Group Coverage
Serving Naples, Cape Coral, Fort Myers, and all of Southwest Florida.
239-443-9896
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