Questions? Ask Rocco.
Call or text (727) 598-0735 or email ryacobozzi@mymedahealth.com.
Life insurance with personal guidance
Protect the people and plans that matter most.
Life changes. Your coverage should reflect the people who depend on you and the goals you are building toward. I’ll help you understand your choices and compare available options.
Rocco Yacobozzi · Independent broker licensed in 34 states. Availability varies by state and carrier.
Explore your options
Life coverage for different goals.
Open a card to see how each kind of coverage generally works. We can review policy details, costs, and eligibility together.
Term Life
Coverage for a chosen period, often used to protect income while family or financial obligations are highest.
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Term policies generally provide a death benefit if the insured dies during the covered term. They typically do not build cash value.
- Choose a term aligned with a mortgage or years of income support
- Review benefit amount and renewal or conversion features
- Premiums and eligibility depend on the policy and applicant
Whole Life
Permanent coverage with policy cash value, subject to the contract and required premium payments.
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Whole life can provide a death benefit for life when its terms are met. Cash value generally grows under the policy schedule.
- Typically includes scheduled premiums
- May offer access to available cash value through loans
- Loans can reduce the death benefit and may have tax consequences
Indexed Universal Life
Permanent insurance with flexible features and interest crediting linked to an index formula.
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Indexed universal life can accumulate cash value based on contract crediting rules. Caps, floors, fees, insurance costs, and funding affect results.
- Premium and benefit flexibility is subject to policy limits
- Index-linked crediting is not direct investment in an index
- Illustrations and policy charges deserve careful review
Final Expense
Often smaller permanent policies intended to help loved ones with funeral costs and other final bills.
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Final expense policies may have simplified applications. Coverage limits, waiting periods, and eligibility vary by carrier and product.
- Consider the amount your family may need
- Compare premium and benefit terms
- Read any graded or limited benefit provisions
Mortgage Protection
Life coverage that may help your family manage housing costs if you pass away.
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A life policy can provide a benefit that beneficiaries may use for a mortgage or other expenses. Product designs and beneficiary rules vary.
- Match coverage to a loan balance and household needs
- Compare term and permanent approaches
- Check whether benefits stay level or decrease
Child Life Insurance
Coverage purchased for a child that may continue into adulthood under policy terms.
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Parents or grandparents may consider a child policy for permanent coverage and possible cash value. Features for future increases differ by contract.
- Review ownership and beneficiary choices
- Ask about future purchase options
- Compare long-term costs and policy values
Key Person Coverage
Business-owned life insurance to help an organization through the loss of a vital person.
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The business generally owns the policy and receives its benefit. Proper consent, ownership, and tax treatment matter, so coordinate with your business advisers.
- Plan for transition or replacement costs
- Consider owners and essential employees
- Review coverage amount and business structure
These are general descriptions, not policy terms or an offer of coverage. Availability, rates, underwriting, benefits, and riders vary by carrier, state, and applicant. Policy documents control.
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Ready to compare life insurance options?
Tell me what you are hoping to protect. I’ll personally help you explore coverage that fits your goals.
Coverage note
Loans and withdrawals may reduce cash value and death benefit and may have tax consequences. This website is a solicitation for insurance.