Simplifying Life Insurance for Families

Welcome to Jhojhy Life Insurance

At Jhojhy Life Insurance, we simplify securing your family's future with personalized support and advocacy in South Florida, Oklahoma, and Texas.

John Doe

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Life Insurance Made Easy

Simplifying life insurance for families in South Florida, Oklahoma, and Texas with personalized support.

Term Life Policies

Affordable term life options tailored to protect your family’s future and financial security.These are short-term policies ranging 10, 15, 20, 30 years for short term needs.

Final Expense Plans

Comprehensive final expense insurance to ease the burden on your loved ones during difficult times- Known as funeral insurance

It is a form of a whole life policy generally for individuals above 55 years old. These policies carry a small cash value component. They compensate in the quick decision process with no labs, low coverage of upto $50k and pays quick at death of insured.

Permanent Life Policies

Last the entire life of the insured or until age 110 (on average). These have a death benefit and builds cash value via different avenues such as an IUL (indexed universal life) where the value is tied to an equity index or Whole Life with cash accumulation depends on the policy. Infinite Banking (or Velocity Banking) strategies use whole life policies.

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Frequently asked questions

What is your relationship to the insurance carriers?

We are an insurance agency licensed in FL, OK and TX and our agents are fingerprinted and registered in each state. We are contracted with numerous carriers in the states that we represent. We complete the pre-underwriting on behalf of the carriers, manage and negotiate with the carriers on your behalf during the application process, until you are the owner of your policy with the carrier that matches your needs.

How does the process of getting a life insurance policy work?

Essentially, we pre-underwrite your case in understanding the type of insurance you need and the insurance carriers that you may qualify for. We then proceed to collect all data and documentation that the insurance carrier requires to process you application and underwrite your application internally. Payment may be collected at time of application or after approval If you decide to proceed with purchasing a policy from a carrier, once approved, the carrier issues your policy. In the intere

How much can I expect to pay for a life insurance policy?

The policy premium varies depending on the insurability risks of each individual, the type of policy and length of coverage.

Some of the factors taken into consideration to determine the cost of the policy are health, age, gender and other specific criteria depending on the carrier (ex: smoker, high risk activities, medications, surgeries, etc.). We offer a variety of options to fit your needs and budget. Part of the work we do is determining the best carrier depending on your profile.

The final amount is determined by the insurance carrier once underwriting is completed and an application is submitted.

For example: A 10-year term policy for a 30 year old healthy male in Florida for $200,000 of coverage can cost an average of $12 per month.*

* = For illustration purposes only.

Can I still get coverage if I have pre-existing conditions?

Yes, there are policies available for individuals with different health conditions from a large variety of carriers. Please reach out to us, we are able to assist you find the policy that best matches your situation.

What documentation do you need to process an insurance application?

It depends on the carrier and type of policy applied for. In general, a valid driver's license may only be required. However, for most policies, your social security number or ITIN will be needed to process the application.

You can reach us by info@jhojhy.com. We are always happy to answer your questions.

How long is the process of applying for a life insurance policy?

The process in many instances depends on how quickly you provide the required information and documentation. The process may take from a few minutes to several weeks depending on the type of policy.

Some policies are instant decision, and after quick underwriting questions you get a quick approval and your policy is issued following payment. In other situations, there are more complex policies that in order to secure better terms, blood work may be required and the process can sometimes take as long as 3 weeks.