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Lisa Faina Agency
Life insurance in Cooper City, FL
— Personal · LifeLife Insurance

Life insurance for every stage

— peace of mind for the people you love.

Whatever your life looks like, we cover it

Life insurance isn't one product — it's a category. Term policies cover a defined window when your family needs you most: a mortgage, kids in school, a business loan. Whole and universal life policies build cash value over decades and never expire. The right one depends on what you're protecting and for how long.

We walk through your situation — income, dependents, debts, business interests — and recommend the policy structure that actually fits. No upselling, no surprises.

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Plan Types

Policy types we write

Term, whole, and universal — each with a clear purpose. We'll explain the trade-offs in plain English so you can choose what actually fits your family and your timeline.

Plan types we offer

  • Term Life (10, 20, 30 year)
  • Whole Life
  • Universal Life
  • Final Expense / Burial
  • Mortgage Protection
  • Business Key-Person Coverage
FAQ

Frequently Asked Questions

How much life insurance do I actually need?
A common starting point is 10–12x your annual income, but the better answer comes from looking at what the policy needs to do: replace income, pay off the mortgage, fund kids' education, cover final expenses. We walk through each piece and arrive at a number that reflects your actual obligations rather than a generic multiple.
Term vs. whole life — which is better?
They serve different purposes. Term life is the most affordable way to cover a specific window (the years your kids are at home, the life of a mortgage). Whole and universal life cost more but never expire and build cash value you can borrow against. Most families benefit from a primarily-term strategy, sometimes with a smaller permanent policy alongside it.
Can I get life insurance if I have health issues?
Usually yes — but the right product matters. Standard term and whole life policies are medically underwritten, and certain conditions affect rates or eligibility. There are also simplified-issue and guaranteed-issue policies that skip the medical exam, with trade-offs in price and coverage limits. We'll find the path that gets you covered.
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Tell us about you — we'll take it from there.

Helping South Florida families plan ahead since 1989

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