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Individual Life Insurance in Lutz FL & Tampa FL

Reassurance for you and your Loved Ones.

Chris Black Insurance provides life insurance to individuals in Lutz, Tampa, Zephyrhills, Wesley Chapel , Brandon, Land O Lakes, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Chris Black Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Chris Black Insurance offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Chris Black Insurance is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Chris Black Insurance will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Locations

Lutz

1916 Highland Oaks
Lutz, FL 33559
Main office: 813-782-1777
Toll free: 877-807-1333

Palm Beach

12300 Alt A1A, Suite 104
Palm Beach Gardens, FL 33410
Main office: 561-784-4464

Sarasota

3384 Magic Oak Lane
Sarasota, FL 34232
Main office: 941-922-2600

Our Providers

I am Mike Wooten. I just want to tell you how happy I am working with Chris Black Insurance and Sharon. I was here today and talked to them about my homeowners and they were able to save me over $1200 a year on my homeowners insurance. I would recommend Chris and his agency to anybody.
Mike Wooton
My name is Bonnie. I have been a customer of Chris Black Insurance for about three years. Recently with the skyrocketing price of insurance, I wanted to find a better price and Chris and his staff were on top of the situation and they hooked me up with a good insurance company, Travelers, and saved me roughly $700 in the transition. So kudos to them.
Bonnie Hess
I am Gordon Bogart and I live down here during the winter. I own an insurance agency in Ohio and I got involved with Chris several years ago. He does a great job and I send a lot of people to him that I know from down here. We've got a very large agency in Ohio and I wish Chris would come work for us up there.
Gordon Bogert
My name is Bob. I have been a Chris Black Insurance customer for a couple of years now. The reason I began business with Chris is because he was so responsive. I did some checking and his rates are extremely competitive and they have got great customer service. I highly recommend them to my friends and neighbors.
Bob Cline
Chris es la primera person aquí en Florida, después de 13 años, que pasó mucho tiempo conmigo explicando los detalles de la póliza. Estoy muy complacida y satisfecha con el servicio que recibí. Lo recomiendo con confianza. Chris is the first person to take the time to explain the details of the policy. I am very pleased and satisfied with the service. I confidently recommend Chris to others.
Rocio Bonilla