Life Insurance


Life Insurance; Simply put, life insurance gives your loved ones financial security after you’re gone. You pay a monthly premium, and if the unexpected happens, your loved ones get a death benefit they can use for things such as medical bills, funeral expenses, outstanding mortgage, college tuition and even living expenses. You can feel confident today knowing your family will be secure with the life insurance policy that you choose if they ever have to make it on their own


This coverage lasts for a “term” you choose, usually 10, 15, 20, or 30 years. During that time, your life insurance premiums are guaranteed not to increase. If you pass away during that time period, your beneficiaries get a cash death benefit. If you live longer than the term period, you have the option to continue your life insurance coverage for an annual, renewable premium, which is generally much higher. You can usually convert a term life insurance policy to a permanent life insurance policy without getting a new medical exam. Get a term life insurance quote now.


Universal life gives you more flexibility than Whole Life. Once your policy has built up cash value, you can decide when and how much you want to pay. So how does this work? As long as you have enough cash value to pay for your policy’s insurance charges, your coverage stays in force. You can even skip payments if you’ve built up enough cash value to cover the premium. This gives you the ultimate flexibility in when and how much to contribute to your policy each year. And if your needs change, you can also increase or decrease your death benefit amount within certain limits without buying a new policy (though you might need to get a medical exam).

Insurance that works right for you! 
Carrie Lee Covington and her team of seasoned insurance professionals are ready to show you what great protection with friendly professional service is!
  • Homeowners Insurance
  • Condominiums
  • Auto Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Life Insurance
  • Business Insurance
  • General Liability Insurance
  • RV Insurance
  • Marine Insurance

Covington Insurance Agency serves all Treasure Coast communities:

  • Port Saint Lucie
  • Saint Lucie West
  • Stuart
  • Palm City
  • Vero Beach
  • Fort Pierce
  • Jensen Beach

Learn about setting the right deductible and getting the coverage that is best for you!