A Term Life Insurance Plan Made Just For You
Get the coverage you need at a price you can afford.
Everyone Deserves To Live Covered.™

A lot of people have life insurance plans that don’t actually fit their needs, which means they are either overpaying or are undercovered. At Cornerstone Insurance, we take the time to get to know you first and then put together a plan that actually fits. That way, you get the most value out of every dollar and get the term life insurance you need without overpaying.

5-Star Tampa Term Life Insurance Company

★★★★★

Looking for life insurance Tampa residents can count on? Cornerstone Insurance is here to help. We are a family-owned and operated Trusted Choice® independent personal lines insurance agency serving Floridians in Tampa, Orlando, Ocala, Jacksonville and many towns and cities in between.  

We care about your family and have years of experience helping clients find just the right term life plan for their needs.  We get to know you and shop the top carriers for you so you receive the best term life insurance available.  As members of the Florida Association of Insurance Agents, we take pride in the exceptional customer service we provide to all of our customers.

Cornerstone Insurance, Inc. Better Business Bureau logo and A+ rating
3 Easy Steps to Better Coverage
Step 1

Get A Quote

Because we take the time to get to know you and ask the right questions, we’re able to put together a quote that fits you best, so you don’t overpay for your term life insurance.

Step 2

Review Your Options

As an independent insurance agency, we are able to work with a wider number of providers than most agencies, so you get the best value for your policy.

Step 3

Breathe Easy!

We’ll walk you through the whole process, help you cancel your previous coverage, and are here for you whenever your insurance needs change.

Here's What Our Clients Have to Say

4.8
Based on 16 reviews
5.0
Based on 6 reviews
We had a great experience getting a new insurance policy with Josh. He did a really nice job explaining everything well and we were so pleased with his level of service. The process was very timely and smooth. We would highly recommend Josh and Cornerstone!
Kelly S.
Kelly S.
04:44 12 May 22
I recently had the pleasure of working with Kelley Hoffman to see if I could obtain any cost Savings with my current auto policy. I was pleased to find out that Kelly not only saved me some premium dollars, but was able to also lower my deductible. I am also now locked into a 12-month policy as opposed to the typical 6 month policy that many... insurance companies use. And you know after six months the price will go up. I found Kelly to be extremely professional, responsive, and knowledgeable. Within 24 hours she had my quotes completed and finalized. I would highly recommend Cornerstone and working with Kelley Hoffman.read more
Jim R.
Jim R.
08:21 04 May 22
I purchased an older Home in Odessa, and needed Home owners insurance in a time sensitive situation.After contacting National companies online with zero luck, and trying 2 other local Tampa companies,I was lucky enough to find Cornerstone in Odessa. Gina McNairy truly worked very hard for me, and went above and beyond, to secure my homeowners... policy. She is a [email protected] expert, lives in the area, and understands our weather , and other obstacles we have to contend with insuring our homes here in Florida. Her knowledge and expertise worked for me, and I now have a new insurance agent. She will be youre advocate , save you money, and get things done. Gina and cornerstone are excellent, I will work with them for years to come.read more
Steve S.
Steve S.
00:24 27 Apr 22
Gina and the staff at Cornerstone were extremely helpful. Efficient communication via both email and phone made the process go smoothly.
David M.
David M.
15:11 14 Apr 22
Interacted with Iliana, she was helpful, responsive, and willing to walk me through many parts of insurance I didn't understand. Would highly recommend.
Keith L.
Keith L.
19:48 01 Apr 22
Gina McNairy is the best! She has really helped us with getting our insurance needs sorted quickly and efficiently! Highly recommended!
Mike C.
Mike C.
17:31 31 Mar 22
Gina was AWESOME!!! Her honesty and insight into the insurance industry was super helpful and saved me from making a big mistake when it came to my homeowners policy. Thank you Gina you ROCK 👍
Alan B.
Alan B.
16:42 30 Mar 22
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Choosing A Term Life Insurance Plan

Life insurance is designed to provide for the loved ones that you would leave behind in the event of your death. “Term” life insurance is an option that allows you to live covered for a specific length of time. This is an attractive option for many people because the rates are fixed at the beginning and will not change throughout the length of the term. The cost of this kind of life insurance tends to be lower than other plans because it is for a set length of time, rather than for the entire life of the insured.

Frequently Asked Questions About Life Insurance

The bottom line is that if there are people who are dependent on your income to provide for them, then yes, you absolutely need it.  There are many affordable options out there, and at Tampa’s Cornerstone Insurance Agency we work  to build a plan that fits your specific needs and budget.

There are several factors that need to be considered when purchasing term life insurance.  Here are some important questions that can help determine how much life insurance your family needs.

How much do you spend each month?  Your family will need to deal with the current living expenses, and that number will help find the right level of coverage for you.

What debt do you currently have?  If there are car payments, student loans, or credit card debt that will be left, you need to make sure that your family will be able to make those payment as wells.

How many dependents do you have?  A family of three will have drastically different financial needs than a family of five.

What are your long-term savings goals?  Your family may need to pay for college tuition or retirement, so it’s important to make sure the specific needs of your family will be met.

Will my family need personal time? If your spouse would need to take time away from their job after a tragedy, their lost income also needs to be taken into account.