Life Insurance for Santa Rosa Beach and 30A Families and Business Owners

We write life insurance through Auto-Owners Life Insurance Company: term, whole life and universal life, plus three simplified issue policies that need no medical exam. Health questions are required, and issuance may depend on evidence of insurability. As of October 2026, a qualifying policy can earn a discount on an Auto-Owners auto or renters policy, subject to eligibility. Call 850-622-5283.

Auto-Owners life insurance facts as of October 2026

• Who writes it: Auto-Owners Life Insurance Company. Fuller Insurance is an independent agency that sells its policies, and Chris Jayne, Trista Cordell and Garrett Fuller are our licensed life agents.

• Level term life insurance: a level death benefit for 10, 20 or 30 years, starting at fifty thousand dollars of coverage. The level coverage ends when the period ends, any renewal is at a new premium, and all level term coverage ends by age 95.

• No medical exam: three simplified issue policies, a five-year level term life insurance policy, simplified issue whole life insurance and the Children’s Advantage Plan Plus, a whole life insurance policy for children, from ten thousand to fifty thousand dollars of combined coverage per person. Health questions are required, and issuance may depend on evidence of insurability.

• Permanent coverage: whole life insurance, including ten pay and single pay, lasts up to age 110, and Auto-Owners Life Insurance Company also writes Perma Term 2 and Perma Term 3 universal life insurance policies.

• The life discount on personal policies: Auto-Owners’ website lists a Life Multi-Policy Discount on its personal auto, renters, homeowners, mobile home, motorcycle and boat insurance when you have a qualifying Auto-Owners Life Insurance Company policy, and Auto-Owners Life Insurance Company’s consumer brochure (form 12912, 08-23) puts it at up to five percent on personal lines policies. Auto-Owners sets the amount on each policy, and we can check for it, subject to eligibility.

• The life discount on business policies: Auto-Owners’ website also lists the Life Multi-Policy Discount on its commercial auto, commercial umbrella and garage insurance and on the business insurance it writes for contractors and restaurants. Auto-Owners sets the amount, and we can check for it on a business account, subject to eligibility.

• Florida protections: a buyer’s guide and a policy summary; a policy that cannot be contested after two years in force during the insured’s lifetime, except for nonpayment of premium and, at the insurer’s option, its disability and accidental death benefit provisions; and a grace period of at least 30 days on premiums after the first.

• Where to start: call 850-622-5283 and ask for Chris Jayne, Trista Cordell or Garrett Fuller, email hello@fuller.insure, or fill out the life insurance quote request on this page.

These policies have exclusions, limitations, reductions of benefits and terms under which a policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.

Can a life policy lower my car insurance?

It can, when the car and the life policy are both with Auto-Owners. As of November 2026, Auto-Owners’ website lists a Life Multi-Policy Discount among the ways to save on its auto insurance, for customers who have a qualifying life policy from Auto-Owners Life Insurance Company. In Florida we see it on personal auto and renters policies, and Auto-Owners’ website lists it on homeowners, mobile home, motorcycle and boat insurance too. Auto-Owners notes that discounts may not be available in all states. Auto-Owners Life Insurance Company’s consumer brochure (form 12912, 08-23) puts the discount at up to five percent on personal lines policies; the amount on your policy is set by Auto-Owners, and every discount is subject to eligibility.

Put simply, the savings on the other policy can offset part of what you pay for the life policy, as long as both stay in force. If your auto, home or renters policy is already with our office, we can check for the discount on that account. If you own an Auto-Owners Life Insurance Company policy on a child, we can check whether it qualifies too, subject to eligibility.

Business policies can qualify too. Auto-Owners’ website lists the Life Multi-Policy Discount among the ways to save on its commercial auto, commercial umbrella and garage insurance, and on the business insurance it writes for contractors and restaurants, which includes general liability and commercial property. If your business policies are with Auto-Owners through our office and there is a qualifying Auto-Owners Life Insurance Company policy, we can check for the discount on the business account, subject to eligibility.

Two recent examples from our office, with the identifying details left out. A household with its personal auto insured with Auto-Owners added a whole life policy from Auto-Owners Life Insurance Company, and the Life Multi-Policy Discount then applied to the auto policy. A business that carries its general liability and commercial auto with Auto-Owners bought a level term policy and a whole life policy on its owner from Auto-Owners Life Insurance Company, and the discount then applied to both business policies. Every account is different. We can check for the discount on yours, subject to eligibility.

The Auto-Owners companies that write auto, home, renters and business policies are separate companies from Auto-Owners Life Insurance Company and are not responsible for its financial condition or contractual obligations.

The Auto-Owners life policies we offer, as of October 2026

Every policy below is issued by Auto-Owners Life Insurance Company. The ages and amounts are Auto-Owners Life Insurance Company’s as of October 2026, everything is subject to underwriting, and the policy itself controls. These policies have exclusions, limitations, reductions of benefits and terms under which a policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.

Level term life insurance for 10, 20 or 30 years

Level term life insurance pays a level death benefit if the insured dies during the period you choose: 10, 20 or 30 years. Auto-Owners Life Insurance Company writes it from fifty thousand dollars of coverage, for ages 18 to 70 on the 10-year plan, 18 to 60 on the 20-year plan and 18 to 50 on the 30-year plan. When the level period ends, the level coverage ends; some plans can be renewed at a new premium under the policy’s terms, and all level term coverage ends by age 95. Many families match the term to the mortgage on the house and the years the kids are at home.

Five-year level term life insurance, simplified issue

A short-term policy for a short-term need, like a car, boat or business loan. It pays a level death benefit if the insured dies within five years, from ten thousand to fifty thousand dollars, for ages 18 to 70. It can be renewed once for five more years at the rate for the insured’s age then, so it ends after ten years at most. There is no medical exam. Health questions are required, and issuance may depend on evidence of insurability.

Simplified issue whole life insurance

Permanent coverage that pays a death benefit of ten thousand to fifty thousand dollars, with coverage that lasts up to age 110, for ages 50 to 80. People use it for final expenses such as funeral and medical bills, or to leave something to family. There is no medical exam. Health questions are required, and issuance may depend on evidence of insurability.

Children’s Advantage Plan Plus whole life insurance

The Children’s Advantage Plan Plus is a whole life insurance policy on a child, for ages 15 days through 17, from ten thousand to fifty thousand dollars, with coverage that lasts up to age 110. The original death benefit increases by half at age 18 and again at age 25, so a fifty-thousand-dollar policy becomes seventy-five thousand dollars at 18 and one hundred thousand dollars at 25. There is no medical exam. Health questions are required, and issuance may depend on evidence of insurability. Our child life insurance page has more on insuring a child.

Whole life insurance: traditional, ten pay and single pay

Whole life insurance is permanent coverage that pays a death benefit when the insured dies, with coverage up to age 110, and Auto-Owners Life Insurance Company writes three versions. Traditional whole life is for ages 15 days to 75, from fifteen thousand dollars. Ten pay whole life is paid for over ten years, for ages 15 days to 75, from ten thousand dollars. Single pay whole life is paid for with one premium, for ages 15 days to 85, from ten thousand dollars.

These three can include an accelerated death benefit that can advance part of the death benefit if the insured is diagnosed with a terminal illness, and we go over whether the policy you are looking at carries it. A single pay policy is usually a modified endowment contract under federal tax rules, so money taken out through a loan or surrender may be taxed and may carry IRS penalties. Talk to your tax advisor before you fund one.

Perma Term 2 and Perma Term 3 universal life insurance

Universal life insurance is a flexible premium life insurance policy that pays a death benefit when the insured dies, and Auto-Owners Life Insurance Company says it can be structured as lifetime coverage or for shorter-term needs. It writes two universal life insurance policies, Perma Term 2 and Perma Term 3, for ages 15 days to 75, from twenty-five thousand dollars of coverage. After the second policy year the required premium can go up or down, never above the maximum stated in the policy. Both have surrender charges, so we go over how each one works before you apply.

Optional riders, each with its own premium and terms: an accidental death benefit on level term, traditional whole life and universal life, which pays an extra death benefit for an accidental death before age 70; a children’s term rider, up to ten thousand dollars of term coverage on each child from the fifteenth day of life to age 25; a guaranteed purchase option on traditional whole life and universal life, which lets the insured buy more coverage at ages 25, 28, 31 and 34 without proving insurability; and a disability waiver, which waives premiums, or on universal life the monthly deductions, while the insured is totally disabled as the policy defines it.

These policies have exclusions, limitations, reductions of benefits and terms under which a policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company.

Do I need a medical exam to get life insurance?

Not always. Here is how it works at Auto-Owners Life Insurance Company as of October 2026.

The three simplified issue policies, the five-year level term life insurance policy, simplified issue whole life insurance and the Children’s Advantage Plan Plus whole life insurance policy for children, do not require a physical exam or medical tests. You answer a few health questions on the application, and you need to be able to answer no to them to qualify. Health questions are required, and issuance may depend on evidence of insurability. The trade-off is the amount: simplified issue coverage tops out at fifty thousand dollars per person, across all three.

Level term, traditional whole life and universal life go through full underwriting. Auto-Owners Life Insurance Company decides what it needs based on your application, your age, the amount and your health history, and that can include an exam or lab work. We go over what your application is likely to need before you apply. If you have a health condition, we can ask an Auto-Owners life underwriter about it first, which Auto-Owners’ website calls a pre-screen; a pre-screen gives only an estimate.

How much life insurance do you need, and for how long?

Start with the debts and the years. For many families we insure, that means the balance on the house, the years until the youngest is out of school, and enough to replace income for as long as the family would need it. A couple with a mortgage on a 30A home often starts with level term matched to the loan. Permanent coverage fits a need that does not end: final expenses, an estate plan, or a business that will need cash when an owner dies.

What you pay depends on your age, health and tobacco use, the amount, and the kind of policy, and your age and health when the policy is issued go into the price. That is why we quote it for you instead of posting a number on a web page.

Life insurance for business owners: key person and buy-sell

Many of the businesses we insure along 30A, the contractors, restaurants and property managers, depend on one or two people. Two kinds of life coverage can help with that.

Key person coverage is a policy the business owns on someone it cannot run without. If that person dies, the death benefit goes to the business to cover lost income, pay down debt or hire a replacement. Buy-sell funding puts life insurance behind your buy-sell agreement, so the surviving owners have money toward buying out the family of an owner who dies, on the terms of the agreement. Your attorney writes the agreement, and we can help put coverage behind it, subject to underwriting.

When the business itself owns the policy, as with key person coverage or a buy-sell where the company buys the shares, and its business policies are with Auto-Owners through our office, we can check whether the Life Multi-Policy Discount applies to them, subject to eligibility. Business-owned life insurance has tax rules of its own, so talk to your tax advisor.

Florida rules that protect you when you buy life insurance

You get a buyer’s guide and a policy summary. Under section 626.99 of the Florida Statutes, the insurer has to give them to you before it takes your first premium, unless the policy gives you an unconditional refund for at least 14 days, in which case they come with the policy. When the policy arrives, check it for a free-look provision, which gives you a set number of days to return the policy for a refund, and note how many days it gives you.

After two years, the policy cannot be contested. Section 627.455 makes a life policy incontestable once it has been in force during the insured’s lifetime for two years from its date of issue, except for nonpayment of premium and, at the insurer’s option, its disability and accidental death provisions. Before then, a material misstatement on the application can be grounds to contest it, which is why we ask you to answer every health question completely and accurately.

Premiums have a grace period. Section 627.453 gives you at least 30 days to pay a premium after the first, and the policy stays in force during that time. Auto-Owners’ application also lets you name a secondary addressee, a second person who is notified if a premium goes past due and the coverage may lapse.

Replacing a policy has its own paperwork. If a new policy would replace one you already have, Florida rules require the agent to give you a Notice to Applicant Regarding Replacement of Life Insurance, signed by you and the agent, no later than when the application is taken. We recommend keeping the old policy in force until the new one is issued and in force.

How to start with our office

Call the office at 850-622-5283 and ask for Chris Jayne, Trista Cordell, or Garrett Fuller, Fuller Insurance LLC, Florida license L039483. All three are licensed to sell life insurance in Florida and write Auto-Owners Life Insurance Company policies. Email , or fill out the Individual Life Insurance Quote Request at the bottom of this page with a good time to reach you. If your auto, home, renters or business policies are already with us, say so, and we will check the discount on the same account. The office is at 4821 US Highway 98 W, Suite 103, Santa Rosa Beach, FL 32459, open 9 to 4, Monday through Thursday.

The policies, ages and amounts on this page are from Auto-Owners Life Insurance Company’s consumer brochures as of October 2026, and the discounts are those the Auto-Owners companies that write auto, home, renters and business policies list on Auto-Owners’ website as of November 2026. The up-to-five-percent figure for personal lines is from the Children’s Advantage Plan Plus consumer brochure, form 12912 (08-23). Every one is subject to underwriting and eligibility, and the amount of any discount is set by Auto-Owners. The Florida rules are sections 626.99, 627.453 and 627.455 of the Florida Statutes and rule 69B-151.006 of the Florida Administrative Code.