Lifetime Peace Financial Services

Life · Health · Medicare · Annuities

Coverage That Protects What Matters Most

John Howell is an independent 2-15 licensed broker — meaning he works for you, not the carriers. He shops across multiple top-rated companies to find the right fit for your life and your budget.

Get a Free Quote727.516.2700
  • Family sitting together, representing life insurance protection
    Life Insurance

    Leave Love Behind, Not Financial Hardship

    Life insurance isn't about preparing for death — it's about protecting the people who have to keep living. John works with top-rated carriers to find term, whole, and final expense policies that fit your family's needs and your budget.

    • Term life — affordable coverage for your working years
    • Whole life — permanent protection that builds cash value
    • Final expense — guaranteed acceptance, no medical exam required
    • Universal life — flexible premiums with lifelong coverage
    Get a Life Insurance Quote
  • Doctor consulting with a patient about health coverage options
    Health Insurance

    Coverage That Works as Hard as You Do

    Navigating health insurance options is complicated. John simplifies it — comparing individual and family plans from multiple carriers so you get the right coverage at the right price, without the guesswork.

    • Individual & family health plans
    • ACA marketplace plans and off-exchange options
    • Short-term health coverage for gap periods
    • Dental and vision add-ons available
    Get a Health Insurance Quote
  • Senior couple reviewing Medicare options with a trusted advisor
    Medicare & Medicare Supplement

    Medicare Made Simple — No Confusion, No Pressure

    Medicare decisions are among the most important you'll make in retirement. John helps you understand your options — Original Medicare, Medicare Advantage, and Supplement (Medigap) plans — and find the coverage that protects your health and your savings.

    • Medicare Advantage (Part C) plans
    • Medicare Supplement (Medigap) plans — Plans A through N
    • Medicare Part D prescription drug coverage
    • Annual plan reviews to ensure you're not overpaying
    Get a Medicare Quote
  • Couple reviewing retirement savings and annuity options
    Annuities

    Guaranteed Income You Can't Outlive

    An annuity can be the foundation of a retirement income strategy — providing predictable, guaranteed payments no matter how long you live. John compares fixed, indexed, and income annuities from leading carriers to find the right fit for your retirement goals.

    • Fixed annuities — guaranteed interest, no market risk
    • Fixed indexed annuities — growth potential with downside protection
    • Income annuities — guaranteed lifetime income stream
    • Tax-deferred growth to maximize your retirement savings
    Get an Annuity Quote
From John's Desk

Hear It Straight From Your Broker

Short videos where John explains insurance topics in plain language — no jargon, no pressure.

Final Expense · Life Insurance

A Life Well Earned

John explains what final expense insurance is really about — making sure the people you love aren't left with funeral costs, medical bills, or debt when you're gone.

Final Expense · Life Insurance

Immediate vs. Graded Benefit: What's the Difference?

Not all final expense policies are the same. John breaks down the key difference between immediate and graded benefit coverage — and why it matters when choosing the right plan.

Common Questions

Answers Before You Even Ask

Insurance can feel overwhelming. These are the questions John hears most — answered plainly, without jargon.

  • Nothing. John is compensated by the insurance carriers — not by you. His job is to find you the best coverage at the best price, with zero cost or obligation on your end.

  • A captive agent works for one company and can only offer that company's products. As an independent broker, John is free to shop across multiple top-rated carriers — so he's always working in your interest, not a carrier's quota.

  • John holds a 2-15 license (Life, Health & Annuities) and is licensed in multiple states. Contact him directly to confirm coverage in your state.

  • Most quotes are delivered within one business day. John reviews your request personally and follows up with tailored options — no automated systems, no pressure.

  • Absolutely. John offers free annual reviews to make sure your existing coverage still fits your life and budget. Circumstances change — your insurance should keep up.

  • Medicare Advantage (Part C) replaces Original Medicare with an all-in-one plan, often including drug coverage. Medicare Supplement (Medigap) works alongside Original Medicare to cover gaps like copays and deductibles. The right choice depends on your health needs, budget, and preferred doctors. John walks you through both options.

  • Annuities aren't for everyone, and John will tell you that honestly. They work best as part of a broader retirement income strategy — particularly for people who want guaranteed income they can't outlive. John will help you understand whether an annuity fits your situation before recommending one.

Still have questions? John is happy to talk through your situation — no obligation, no pressure.

Ask John Directly
No Obligation · No Pressure

Ready to Protect What Matters Most?

Every family deserves the opportunity to grieve without worrying about finances. Let's make sure yours is protected.

Get a Free Quote727.516.2700
What You Get

Our Promise to You

  • No-obligation quotes — compare options with zero pressure
  • Multiple carriers compared — John shops top-rated insurers for you
  • 2-15 Licensed broker — life, health & annuity specialist
  • Fast turnaround — most quotes delivered within 24 hours
Reach Us DirectlyJohn Howell · 2-15 Licensed Insurance Broker
Tampa Bay, Florida · Licensed in Multiple States[email protected]