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A Term Life Insurance Plan Made Just For You
Get the coverage you need at a price you can afford.
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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.

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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.

Trusted Choice independent insurance agency in Florida
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

Switch with Ease

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

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Here's What Our Clients Have to Say

Excellent
Cornerstone Insurance Inc.4.9
Based on 585 reviews
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Paul Hillier
4 days ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Paul Hillier
4 days ago
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S
5 days ago
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Robert S
5 days ago
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Oscar Zuluaga
5 days ago
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Oscar Zuluaga
5 days ago
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Kayla Karpp
1 week ago
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
Kayla Karpp
1 week ago
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
MB
2 weeks ago
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
MB
2 weeks ago
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
janet Keehnle
2 weeks ago
Excellent customer service. Thank you Kyle
janet Keehnle
2 weeks ago
Excellent customer service. Thank you Kyle
Quinn Haze
2 weeks ago
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
Quinn Haze
2 weeks ago
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
Jenny R
3 weeks ago
James Bonn went above and beyond getting insurance for me, twice. Very nice people. Easy to work with.
READ MORE REVIEWS

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.

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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.

Cornerstone’s carriers provide a comprehensive range of personal insurance products for Florida residents, including:

Paul H.
Laura Litchy was outstanding. Very quick and personalized service. Helped us save a lot of money on our home insurance!
Robert S.
Laura helped me with a new homeowner’s policy and was very helpful and professional.
Oscar Z.
Mr. James at Cornerstone Insurance provided excellent service. He was professional, responsive, and took the time to explain everything clearly. He helped me find great coverage at a good price and made the whole process easy and stress-free. Highly
Kayla K.
James has been nothing but exceptional. Being a first time homeowner I wasn't sure what i needed or how the process worked, James walked me through everything step by step!
MB
Just wanted to share that working with Laura Litchy was great. I moved both our car and home insurance over to them and saved thousands a year with our new plans.
janet K.
Excellent customer service. Thank you Kyle
Quinn H.
Highly recommend! James Bonn saved me a bunch of money on my home insurance!
Jenny R.
James Bonn went above and beyond getting insurance for me, twice. Very nice people. Easy to work with.
Marie M.
Keri was so informative! She helped me to understand the process getting home owners insurance in Florida, since we are leaving NY for Florida. Hopefully I get to speak with her again.
Kathy D.
Ellis K.
Agent James Bonn was very helpful in getting Tower Hill home insurance on time when I had a short time period before my current insurance expired. He was with me all the way through until I was connected to my new service.
Erich K.
👋😎 thank you Laura L. 🤙
Raina R.
Worked with Joshua on a new policy due to current policy being non renewed (good ole Florida home insurance). Joshua was beyond patient, kind, very informative, and overall a great person to work with! I beyond appreciate his knowledge and guidance where we issued a policy that was just what I was looking for: good coverage with beyond high premiums). I would absolutely refer any and everyone to Joshua and his team when looking for FL Home Insurance!!
Tim
Customer service is as good as it gets!
Jean M.
Very helpful in giving different options when our current insurance would not renew. Sent several different policies that we could review. Very quick to responding to any questions. James Bonn was very easy to work with and very responsive. Would recommend to anyone looking to insure.
Maggie N.
My experience with James and his team was nothing short of wonderful. He explained everything in great detail and answered all questions I had. Very quick to respond and slways very courteous. Thank you!
maria W.
Kari answered the phone!! She is very knowledgeable and very pro-active. She knew what I needed and answered all my questions. This process was very smooth:)
Mike B.
Shayne T.
I had for a 4 point inspection and wind mitigation done. They approved the policy. My house insurance goes through my mortgage holder. So Tower Hill got paid through them, and I cancelled my old insurance carrier. Then after about a month and a half, I get a cancellation notice. They sent their own inspector in and reported a couple shingles were missing and a piece of soffit square was missing and rust on a decorative post on my porch. My roof was over 10 years old, so I quickly got the roof replaced and took care of the other issues as well before the cancellation deadline. They worked with me and not only did they keep the policy from getting cancelled, my premium is now lower because of the new roof.
Onell S.
They have the best customer attention i have seen, quick replies to emails and following up on issues. highly recommend the team at cornerstone
Topi C.
My experiences with James and Joshua before have been nothing short of amazing. Quick, prompt in follow up , clear on what can be done and most importantly helpful around what I at least needed which was to save some money. Highly recommend !
Robert W.
I just switched my homeowner's insurance through Joshua Gleaton with Cornerstone. I had been with my previous insurer for 32 years. Josh was outstanding to work with. He was responsive, easy to work with and provided me with tremendous savings (Cut my insurance in half). I only wish I had called him years ago.
Lidia M.
Very knowledgeable and very helpful
Anwar B.
Agent James Bonn was very helpful with good information on selecting Tower Hill Insurance Exchange for protection of our home and processing the initial payments electronically - Thank you James
CHERYL W.
James Bonn was a great agent! Very knowledgeable, helpful,and quick service! I am very pleased I was able to connect with him! Thanks James for you assistance in attaining my Home Insurance!