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Plan for What’s Next with Life Insurance & Annuities in Winter Park

Whether you’re building a life, growing a business, or preparing for retirement, the right protection makes all the difference. At Living Tree Financial Group, we help Central Florida families and individuals take care of what matters most—through personalized life insurance and annuity plans.


As an independent insurance agency based in Winter Park, FL, we offer options from multiple top-rated carriers. That means no cookie-cutter policies—just smart, honest guidance on what fits your stage of life, your finances, and your long-term goals.

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Financial Confidence

Protecting Your Family’s Future

Life insurance isn’t just for the unexpected—it’s a key part of planning ahead. And annuities can help ensure your retirement income lasts as long as you do. Whether you’re just starting a family, caring for aging parents, or getting ready to retire, we’ll help you make confident choices today that provide peace of mind tomorrow.


Our team works with:


  • Young couples and growing families
  • Business owners and professionals
  • Seniors and retirees preparing for final expenses or long-term income
  • Individuals with health conditions or hard-to-place policies



Because we’re independent agents, we can compare products from several trusted insurance companies—and match you with the one that’s right for your needs and budget.

Types of Life Insurance: Find the Right Fit

No two families or goals are the same—and that’s why life insurance isn’t one-size-fits-all. We’ll help you compare options like:

01

Affordable coverage for a set period (10, 20, 30 years). Ideal for income replacement, debt protection, or young families.

02

Permanent coverage that lasts your lifetime, with a cash value component. Used for lifelong protection or estate planning.

03

Flexible permanent insurance with adjustable premiums and potential cash value growth. Some types (like Indexed Universal Life) offer market-linked growth potential without direct market exposure.

04

Simplified whole life policies with smaller coverage amounts, designed to cover funeral costs and final bills.

We’ll explain each clearly and help you decide based on your goals, age, and what stage of life you're in.

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Income Security

Annuities for Retirement Income Planning

Annuities can be a powerful tool when you're thinking about how to turn your savings into reliable income. They’re contracts with insurance companies that offer tax-deferred growth and the option for guaranteed income for life.


Common types we offer include:


  • Fixed Annuities: Provide a guaranteed interest rate over time. Steady and low-risk—think of it like a long-term CD.


  • Fixed Indexed Annuities (FIA): Earnings tied to a market index like the S&P 500, with protection from loss if the market dips. A great balance between growth potential and security.


  • Immediate Annuities: Start paying you monthly income right away—great if you’re retiring now.


  • Deferred Annuities: Build value now and turn into income later—perfect for retirement planning.


Many clients use annuities to roll over 401(k) or IRA funds when retiring. We’ll explain the pros and cons and help you find the right mix of growth and guaranteed income based on your comfort with risk and retirement timeline.

Who We Help – Tailored Options for Real Life

We don’t just sell policies—we help solve real-life problems. Here’s how we guide different clients every day:


  • Young family buying their first home: We often recommend Term Life to protect the mortgage and provide for children.


  • Empty-nesters thinking ahead: Whole Life or Final Expense helps with estate planning or legacy gifts.


  • Recent retiree with a 401(k): We’ll review rollover options and explain how a Fixed Indexed Annuity can turn savings into lifetime income.


  • Seniors on a budget: Final Expense life insurance offers peace of mind for funeral costs without straining monthly finances.


No matter your age or situation, we’ll listen first—then guide you toward the right policy with no pressure.

Personalized Help

Carriers You Can Trust & Agents Who Know Their Stuff

We work with leading life insurance and annuity providers, giving you access to competitive rates and a range of coverage options. Our agents are fully licensed in Florida and stay up to date on underwriting guidelines and product changes.


If you’ve been turned down before or have a health condition, don’t worry—we know which carriers are more lenient and how to find policies that work.



And because we’re not tied to any one company, our advice is always based on what’s best for you.

Frequently asked questions

Frequently Asked Questions About Life Insurance & Annuities

  • What’s the difference between term life and whole life insurance?

    Term life insurance provides coverage for a set period—typically 10, 20, or 30 years—and is often the most affordable option. Whole life insurance lasts your entire life and includes a cash value component that grows over time. We’ll help you decide which fits your goals and budget.

  • How much life insurance do I need?

    That depends on your income, debt, family size, and financial goals. A young family might need enough to replace income and pay off a mortgage, while a retiree may only want enough for final expenses. Our agents can walk you through a simple needs analysis to find the right amount.

  • Can I get life insurance if I have a health condition?

    Yes—there are policies available even if you’ve been turned down before. We work with multiple carriers and understand underwriting guidelines, so we can often find options for people with diabetes, high blood pressure, or other common conditions.

  • What is a final expense policy?

    Final expense insurance is a small whole life policy designed to cover funeral costs and other end-of-life expenses. It’s popular with seniors because premiums are typically affordable and the approval process is simple, often with no medical exam.

  • How do annuities work for retirement?

    Annuities are contracts with insurance companies that can provide guaranteed income, either now or later. You pay into the annuity (either as a lump sum or over time), and it can grow tax-deferred. Later, you can turn it into a monthly income stream that may last your lifetime.

  • What types of annuities do you offer?

    We focus on fixed annuities and fixed indexed annuities.


    • Fixed annuities offer a guaranteed interest rate.

    • Fixed indexed annuities are tied to market indexes (like the S&P 500) with no risk of market loss.

    These are designed for steady growth and income in retirement.

  • Can I lose money in an annuity?

    Not with the fixed and indexed annuities we typically recommend. Unlike variable annuities, these are designed to protect your principal while still offering potential for growth. We’ll show you exactly how the guarantees and limits work before you buy.

  • Is life insurance taxable?

    In most cases, life insurance death benefits are not subject to income tax for your beneficiaries. Some policies with cash value may have tax implications if accessed early, which we can explain in plain terms. We also coordinate with your tax preparer if needed.

  • When should I buy life insurance?

    The earlier, the better—rates are lower when you’re younger and healthier. But it’s never too late. Whether you’re starting a family, planning for retirement, or want to leave something behind, we’ll find a policy that fits where you are now.

  • How do I get started with a life insurance or annuity plan?

    Call us at (321) 214-4594 or send a message. We’ll schedule a no-obligation consultation to explore your options, answer your questions, and help you choose a policy or annuity that supports your goals.

Let’s Review Your Plan—Or Build One from Scratch

Protect What Matters

Life can change fast. Whether you’re reviewing an old policy or shopping for the first time, we’re here to help.


Call us at (321) 214-4594 or contact us for a free, no-obligation consultation. We’ll walk you through your life insurance or annuity options—and help you make a confident decision that protects your loved ones and your future.


Already have coverage? Let’s review it together—you may be able to improve your benefits or lower your premiums.

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