Business Details
46 Years
experience
Your Trusted Life Insurance Partner in Fort Walton Beach
Big Lou Insurance, operating as The Home of Big Lou, is a national life insurance brokerage firm headquartered in Fort Walton Beach, Florida. Established in the early 1980s, we specialize in providing term and permanent life insurance, annuities, and long-term care products to individuals and businesses nationwide. Our expertise lies in serving clients with health challenges such as diabetes, sleep apnea, and heart conditions, offering tailored solutions to secure competitive rates.We prioritize transparency, educating clients on the underwriting process to demystify life insurance and reduce premiums through informed decision-making. With over four decades of experience, we pride ourselves on exceptional customer service, leveraging our industry relationships to advocate for clients and deliver personalized financial protection strategies.
Services
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Medicare Planning
Living Benefits Insurance
Pension Maximization
Guaranteed Issue Policies
Details
- Year established: 1980
Highlights and features
- Over 40 years of experience in life insurance brokerage since 1980
- Specialize in impaired risk cases with health complexities
- No upfront payments required until policy approval
- Nationwide access to top-tier insurance carriers
- Transparent process with no hidden fees or surprises
What people say
Exceptional service for diabetics
Transparent pricing
Patient health advocates
Competitive rates secured
Knowledgeable staff
Services
Term Life Insurance
Term life insurance provides pure death benefit protection for a specified period, ideal for covering mortgages, debts, or dependents' needs. We offer customizable terms (10-30 years) with level premiums, return-of-premium options, and simplified underwriting for qualified applicants. Our expertise ensures competitive pricing even for complex health profiles.
Medicare Planning
Our Medicare services guide clients through plan selection, enrollment, and supplement options. We analyze doctors, medications, and coverage needs to create customized solutions, ensuring seamless transitions into Medicare while minimizing out-of-pocket costs through comprehensive policy comparisons.
Impaired Risk Insurance
We specialize in life insurance for individuals with health conditions like diabetes, heart disease, and sleep apnea. Through strategic carrier selection and underwriting advocacy, we secure coverage where traditional providers decline, leveraging our industry expertise to maximize approval chances at optimal rates.
Term Layering Strategy
This approach combines multiple term policies with varying durations to match evolving financial obligations. By structuring coverage to decrease as debts reduce, clients achieve cost savings while maintaining adequate protection during peak liability years through strategic policy stacking.
Living Benefits Insurance
These policies include riders allowing access to death benefits during terminal illness or chronic conditions. We offer no-cost terminal illness riders and premium options for critical illness/care coverage, providing financial flexibility while maintaining death benefit protection for beneficiaries.
People
Michael Paulzak
General Agent
Licensed in all 50 states with over 25 years of insurance brokerage experience, Michael Paulzak leads Big Lou Insurance's underwriting advocacy. His expertise in impaired risk cases and carrier negotiations ensures clients receive optimal policy terms and pricing.
Questions
Can I get life insurance with health issues?
Yes, we specialize in coverage for health complexities like diabetes, sleep apnea, and heart conditions through our impaired risk expertise.
How do your rates compare to other brokers?
We guarantee competitive pricing by leveraging relationships with all major carriers and advocating for optimal underwriting classifications.
What Medicare services do you offer?
We provide end-to-end Medicare planning, including plan comparisons, enrollment assistance, and supplement policy recommendations tailored to individual needs.
Do you charge upfront fees?
No, we require no payments until you approve and receive your finalized policy documentation.
How long does coverage take to obtain?
Standard processing takes 4-12 weeks depending on medical complexity, with expedited options available for qualified applicants.
Can I modify existing policies?
Yes, we review current policies for optimization opportunities and facilitate coverage adjustments through our carrier network.
Reviews (4)
Randy Czarnetzki
Jul 29, 2021
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No nonsense, straight-to-the-point, online insurance sales outlet. Prices are in-line with other similar term insurance aggregators.
Tito Chacon
Apr 17, 2021
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Seems like these agents have way too much work for him I tried calling and agent I missed him he tried calling me back he miss me but he never called again so that must mean they're too busy or too rich to accept my business
David Pannazzo
Apr 05, 2021
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I'm a 50 year old type 2 diabetic. A1C 6.0
I also have a single cardiac stent for a partial blockage found during a routine physical. In September of 2020 I applied for a 10 year policy. After numerous follow up emails asking the status of my application I received a letter in March of 2021 I was denied because of my condition.
I also have a single cardiac stent for a partial blockage found during a routine physical. In September of 2020 I applied for a 10 year policy. After numerous follow up emails asking the status of my application I received a letter in March of 2021 I was denied because of my condition.
Robert Fayant
Mar 18, 2021
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What a joke. They quoted me$1800. I waited 6 months on underwriting. Two days ago they said my policy was approved and going to be $2800 a year but when I got the policy documents it was $3200 a year. The agent said he made a mistake and he would fix but then did nothing and eventually said it was a typo and that he was sorry we could not do business. He made zero effort to try to resolve.
