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For 1099 workers, freelancers & sole owners

Life insurance
when you work for yourself.

No employer means no group life policy. We help self-employed Floridians set up their own coverage, sized to what their family would really need.

Book a 15-minute call

Common worries

Your income moves.
Your family's bills don't.

Self-employed people bring us the same three questions again and again:

My income goes up and down.

Insurance companies often look at a few years of tax returns instead of one paycheck. A steady average can help support the amount you ask for.

I write off so much that my net looks small.

Underwriters usually look at net income. Big deductions can lower the amount they will approve, so bring your returns early.

I don't have any coverage through work.

Many employees have a small group policy. You start from zero, so your own policy has to carry the whole load.

Young professional focused on a laptop at a bright desk

How it works for you

Same policies.
Different paperwork.

Self-employed people buy the same types of coverage. The proof of income is what changes.

  • Expect to share recent tax returns, such as Schedule C or K-1 forms, if the amount is large.
  • Many people start with term life sized to replace income for the years their family would need it.
  • Add debts you would leave behind, including business loans you signed for.
  • Premiums for your own personal policy are generally not a business deduction. Talk with your CPA or attorney before you set this up.
  • If you have partners or employees, see life insurance for business owners.
Paul Daniels
Paul DanielsLicensed insurance agent · NPN 20986580

How we help

We already speak 1099.

We work with self-employed people every day on health coverage. The same habits help with life insurance: know your net income, keep your returns handy, and plan for the slow months.

Not sure where your work fits? See the industries we serve.

  • Calls that fit around client work
  • Life insurance in states where we are licensed for life insurance · Paul Daniels, NPN 20986580 · FL license G065122
  • No fee for our help. If you buy, the insurance company pays us a commission, and commissions can differ by company.

Three steps

Self-employed life insurance, step by step.

Share your numbers

Net income for the last two years, debts, and who depends on you.

Pick an amount and term

We compare options so the coverage lasts as long as the need.

Apply

The insurance company checks health and income and decides on approval.

Book a 15-minute call

Honest expectations

Self-employment is not a red flag.

Working for yourself does not, by itself, stop you from getting coverage. It just means the income proof comes from your returns.

  • We do not promise approval or a price.
  • We do not suggest coverage you could not keep paying in a slow year.
  • We do not give tax advice.

Have these ready

Your short list.

  • Last two years of tax returns
  • A list of debts, including business cards and loans
  • Any old policy from a past job or a bank
  • Health history and medicines
  • Who you want to name as beneficiaries

Questions

Self-employed life insurance FAQ.

As of October 13, 2026.

Can I get life insurance if I am self-employed?

Yes. Self-employed people can apply for the same term and permanent policies as anyone else. The insurance company checks income using tax returns and decides on approval.

How do insurance companies verify self-employed income?

They usually ask for recent tax returns and may look at Schedule C, K-1, or 1099 forms. Most look at net income after business deductions.

Can I deduct life insurance as a business expense?

Usually not for a personal policy that protects your family. Talk with your CPA or attorney before you set this up.

How much coverage should a freelancer get?

Look at how many years your family would need your income, plus debts and future costs, minus savings. We can do the math with you.

Is term life a good fit for self-employed people?

Many choose term because it often costs less for the amount. If you need coverage for life, permanent coverage may fit. It depends on the goal.

Do you help self-employed people outside Florida?

We help in states where we are licensed for life insurance. Florida is our main focus.

Related guides

Florida life insurance Business owners Self-employed health insurance Industries we serve

Build the safety net
your job doesn't.

Book a free 15-minute call between clients.

Book a 15-minute call

By Paul Daniels, licensed insurance agent (NPN 20986580).

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage, not an insurance company. Agent: Paul Daniels, NPN 20986580, Florida license G065122. We help with life insurance only in states where we are licensed for life insurance. Life insurance is not health insurance. Every policy depends on approval by the insurance company, based on things like age, health, habits, and income. Prices and terms are set by the insurance company. We never guarantee approval or a price, and we do not promise any company's rates. Cash value, loans, and riders work differently in each policy. This page is general information, not legal or tax advice. Talk with your CPA or attorney about tax and legal questions.