Term Life Insurance
Affordable protection for a set period—often used to protect income, children, debts, and major family responsibilities.
Learn how it works
Independent guidance for Florida families
BE THE
SENTINEL.
Protect what depends on you. Organize the plan before it is needed.
Personal guidance Multiple solutions Serving families across Florida
Find my coverage
Start with what matters—not a sales pitch.
Answer a few simple questions. Gary will personally help you understand the protection options that may fit your family and budget.
About two minutes No obligation No sensitive financial information
What would you most like to protect?
A better way to think about protection
Protecting your family
isn’t negative.
It’s one of the most responsible and loving decisions you can make.
A Sentinel doesn’t predict what will happen. A Sentinel prepares for what could—so the people they love can keep moving forward.
Protection with a purpose
Solutions built around
your real life.
No one-size-fits-all pitch. We start with your family, priorities, and budget—then help you understand the options clearly.
Mortgage Protection
Help your family remain in the home you worked to provide if the unexpected happens.
Learn how it worksFinal Expense
Straightforward coverage designed to keep funeral costs and final bills from becoming your family's burden.
Learn how it worksPermanent Life Insurance
Lifetime coverage options for long-term protection, legacy planning, and—when appropriate—cash-value goals.
Learn how it worksIndependent by design
Options from multiple carriers. Guidance from one person who knows your goals.
Sentinel Life LLC is not an insurance company and does not manufacture policies. We help Florida families compare suitable options available through the carriers we represent.
Talk through my optionsINDEPENDENT FLORIDA AGENCYMeet Gary Boarman
Family protection should feel personal—because it is.
I built Sentinel Life around a simple belief: people deserve a real conversation about protecting their family, not pressure or scare tactics.
As an independent insurance agent and a father, I help Florida families understand their choices and make a plan they can feel confident about.
Gary Boarman Founder, Sentinel Life LLC
Simple. Personal. No pressure.
Your protection review in three steps.
1
Tell me what matters
Share a few details about your family, goals, and current coverage.
2
Understand your options
We’ll compare suitable solutions and explain them in plain language.
3
Choose with confidence
Move forward only when the protection and the budget make sense.
Straight answers
Questions Florida families ask before getting covered.
Insurance should be understandable before it becomes a commitment.
How much life insurance do I need?
A useful starting point is the financial gap your family would face: income replacement, mortgage and debts, childcare or education, final expenses, and any existing coverage. Gary can help you organize those numbers without pressuring you into a predetermined amount.
Does independent mean you work for one insurance company?
No. Sentinel Life LLC is an independent Florida insurance agency, not an insurance carrier. That allows us to consider available options from multiple carriers instead of representing only one company.
Will I need a medical exam?
Not always. Requirements depend on your age, health, coverage amount, product, and carrier. Some applications may use health questions and electronic records, while others may require an exam.
How much does a protection review cost?
Nothing. The 30-minute protection review is free, and there is no obligation to apply for coverage.
Not sure where to start?
Get the free Family
Protection Checklist.
Take five minutes to organize what matters: the people who depend on you, household obligations, current coverage, beneficiaries, and the next questions worth asking.
- Simple and practical
- No pressure or obligation
- Built for real family conversations