The Laviano Group is an independent life insurance brokerage specializing in whole life, final expense, and retirement-focused products for individuals ages 50–85. As independent agents, we shop multiple top-rated carriers to find the best coverage, best price, and the easiest approval for each client.

We provide a wide range of policy options, including: Final Expense Whole Life (50–85)
Level Benefit & Graded Benefit Plans
Guaranteed Issue Policies
Term Life Insurance
Annuities & Retirement Income Products
Accidental Death Coverage
If you're unsure which option fits your needs, our agents will help guide you.

No. Most of our policies require no medical exam, no bloodwork, and no physicals. Approval is based on simple health questions and a quick prescription history check.

Many clients are approved same-day or within 24–48 hours, depending on the insurance carrier and the type of policy you choose.

Coverage amounts vary based on age, health, and carrier availability. Typical options range from $5,000 up to $50,000+ for whole life plans.

Absolutely.

Your monthly payment never goes up, your coverage never decreases, and your policy never cancels due to age or health changes—as long as premiums are paid.

Your policy provides a tax-free cash benefit to your family to help with:
Funeral and burial expenses
Debt protection
Medical bills
Income replacement
Legacy or inheritance planning
It gives your loved ones peace of mind during a difficult time.

No problem! We often help clients:
Lower their monthly payments
Increase benefits
Replace old or cancelled policies
Add additional protection
Our agents will review your current coverage at no cost.

Payments are typically drafted automatically each month by bank account (ACH). This ensures your policy stays active and avoids lapses.

Coverage begins once your application is approved and your first premium is processed. Many policies include day-1 coverage for full benefits.

Yes. All agents with The Laviano Group are fully licensed, background-checked, and appointed with multiple A-rated carriers nationwide.

You can:

Call us directly
Submit a request on our website
Speak with an agent for a quick, no-pressure consultation
Quotes take 2–3 minutes and are 100% free.

The Laviano Group

📞 (772) 222-7508
🌐 thelavianogroup.com
📧 john@thelavianogroup.com