COALITION FINANCIAL helps families, homeowners, and seniors across 16 states find the right life insurance and mortgage protection — fast, clear, and pressure-free.
From protecting your mortgage to securing your family's future — we find the right fit from top-rated carriers.
If you pass away, your family keeps the house. Simple term coverage tied to your mortgage balance — one of the most important policies a homeowner can have.
Learn More →Term, whole life, and IUL options to replace your income, pay off debt, and give your family a financial safety net for decades to come.
Learn More →Affordable whole life coverage to handle end-of-life costs. No medical exam required. Fast approval. Give your family peace of mind without financial burden.
Learn More →Guaranteed retirement income you can't outlive. Fixed and indexed annuity solutions that grow your savings tax-deferred and pay you for life.
Learn More →As an independent agent licensed in 16 states, I shop 30+ carriers to find the best rate and coverage fit for your situation. No quotas. No pressure. Just the right policy for your family.
My Story →Takes less than 2 minutes. No obligation. Benjamin will personally follow up within the hour.
Benjamin will call you within the hour. Questions now? Call (561) 962-5749.
Whether you need a 20-year term to cover your working years or permanent whole life for lifelong protection, COALITION FINANCIAL shops 30+ carriers to find the right policy at the best price.
Get a Free QuoteLife insurance isn't about dying — it's about making sure the people who depend on you can keep living the life you've built together. It replaces your income, pays off debts, covers the mortgage, and gives your family time to grieve without financial pressure.
Pure protection for 10, 15, 20, or 30 years. Highest death benefit for the lowest premium. Best for families with children and homeowners in their 30s-50s.
Permanent coverage that never expires. Builds guaranteed cash value over time. Ideal for wealth transfer, estate planning, or clients who want lifelong protection.
Flexible permanent coverage with cash value tied to a market index. Tax-advantaged growth, downside protection, and a death benefit in one product.
Free, no-obligation quote from 30+ carriers. Benjamin responds within the hour.
Benjamin will be in touch shortly. Call now: (561) 962-5749
If you pass away unexpectedly, would your family be able to make the mortgage payments? Mortgage protection insurance ensures the answer is always yes.
Protect My HomeMortgage protection is a term life insurance policy designed to cover your outstanding mortgage balance. If you die during the policy term, the death benefit pays off what's left on the mortgage — so your family never has to worry about losing the home.
Common trigger: If you just bought a home or refinanced in the last 12 months, you likely received a mailer about mortgage protection. COALITION FINANCIAL can compare quotes from 30+ carriers and find you a better rate than anything that came in the mail.
We'll shop 30+ carriers and find the best rate for your home and family.
Benjamin will call you within the hour. (561) 962-5749
Final expense insurance covers funeral costs, medical bills, and other end-of-life expenses so your family doesn't have to. Simple. Affordable. Approved fast.
Get Covered TodayFinal expense insurance is a simplified whole life policy with face amounts typically between $5,000 and $25,000. It's designed specifically for seniors who want to ensure their loved ones aren't left with burial costs, medical bills, or unpaid debts.
Full death benefit from day one. Best rates for applicants in good health. No waiting period.
For applicants with moderate health conditions. Reduced benefit in years 1-2, then full benefit from year 3 onward.
No health questions at all. Acceptance guaranteed for ages 50-80. Ideal for clients who've been declined elsewhere.
Fast approval. Affordable premiums. Benjamin will find the right policy for your situation.
Benjamin will call you within the hour. (561) 962-5749
An annuity is a contract with an insurance company that turns your savings into guaranteed income — for a set period or for the rest of your life. It's the closest thing to a personal pension available today.
Explore My OptionsCOALITION FINANCIAL works with top-rated carriers to match you with the right annuity based on your income needs, risk tolerance, and time horizon.
Earns a guaranteed interest rate for a set term. Simple, predictable, and safe. Ideal for conservative retirees who want zero market risk and guaranteed growth.
Growth tied to a market index (like the S&P 500) with a floor of 0% — you can never lose principal due to market drops. The most popular annuity for pre-retirees today.
A fixed rate locked in for 3–10 years — like a CD, but with higher rates and tax-deferred growth. Great for rolling over 401(k)s or IRAs in a stable, predictable vehicle.
Convert a lump sum into immediate monthly income that starts within 30 days. Perfect for recent retirees who need cash flow now and want guaranteed income for life.
| Feature | Fixed | Fixed Indexed | MYGA | Immediate Income |
|---|---|---|---|---|
| Guaranteed Rate | Yes | Floor only | Yes | Yes |
| Market Upside | No | Yes (capped) | No | No |
| Principal Protection | Yes | Yes | Yes | Yes |
| Tax-Deferred Growth | Yes | Yes | Yes | No |
| Immediate Income | No | No | No | Yes |
| Good for IRA/401k Rollover | Yes | Yes | Yes | Sometimes |
No cost, no obligation. Benjamin will explain your options and find the best rates from top-rated carriers.
Benjamin will call you within the hour. (561) 962-5749
10+ years protecting homeowners' most valuable asset. Now focused on protecting what's inside — the people, equity, and future you've worked so hard to build.
Benjamin Holmes spent over a decade in the roofing industry building something most people overlook until it's too late — trust. Working directly with homeowners across the country, he saw firsthand how much people pour into their homes: their savings, their sweat, their sense of security. He became an expert at protecting that investment from the outside in.
But Benjamin recognized a gap. While he was protecting the structure, no one was protecting the family inside it.
That realization drove him to transition into life insurance and financial services, where he founded COALITION FINANCIAL — an independent agency licensed in 16 states and built on one core belief: the families who work hardest to build something deserve the most protection around it.
Today, Benjamin specializes in mortgage protection, life insurance, final expense, and annuity solutions that ensure his clients' homes, equity, and loved ones are never left vulnerable. He brings the same homeowner-first mindset from his roofing days into every conversation — practical, honest, and focused on what actually matters.
National Producer Number: #22170045
No jargon. No hidden fees. We explain every policy in plain English and never recommend coverage you don't need.
Same-day quotes. Applications completed on the first call. We respect your time and move fast when you're ready.
Every policy decision starts with one question: what's best for your family? That's the only lens we use.
Straightforward guides, tips, and answers to the questions families across 16 states ask most.
Most homeowners assume their mortgage is handled. It's not. Here's exactly what happens and how to protect your family in under 10 minutes.
The "10x your income" rule is a start — but here's how to calculate the right number for your specific situation.
Market upside with zero downside risk. Here's how FIAs work and who they're right for.
Being declined at one carrier doesn't mean you're uninsurable. Independent agents have options captive agents don't.
Final expense insurance is one of the most overlooked and underpriced policies available. Here's what you need to know.
A side-by-side breakdown of the three most common life insurance types — and which one fits your stage of life.
No obligation. No pressure. Benjamin will personally follow up within the hour to answer your questions and run quotes across 30+ carriers.
📞 Best way to reach us: Call or text (561) 962-5749 for the fastest response. Benjamin answers calls during business hours and typically responds to messages within the hour.
Benjamin will call you within the hour. Need to reach him now? (561) 962-5749
