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I’m a licensed insurance broker. I help families protect what matters — your home, your income, your future.

Joseph ‘Troy’ Whedbee
Contact: 561.285.1980
Broker NPN License #: 1977772

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Insurance Made Simple.

I’m independent – not tied to one company. So I work for you, not them. No quotas, no pushy sales goals. Just access to multiple top companies so I can find your best fit – better rates, better coverage, straight advice built around you.

Easy

Getting covered shouldn’t be a hassle. I take the guesswork out. In under a minute, I search top companies to find what actually works for you – not some generic quote. Real results, real fast.

Affordable

Your budget comes first. I start with what you’re comfortable spending, then find the best coverage to match. No upselling, no pressure. Just a plan that works – because the best policy is one you can actually keep.

I’ve Got Your Back

Coverage is just the start. I’m here for the long haul – policy support, help when it matters. Most people don’t realize only the original agent can handle a death claim. If that moment comes, I’ll walk your family through every step.

How it works:

Get coverage for your home in 3 easy steps:

01. Start with a few quick questions.

Takes about 10 minutes – age, health, mortgage details, existing coverage. Just enough so I can see what you qualify for. No medical exams, just basic health and lifestyle stuff.

02. See your pre-qualified options.

I’ll compare offers from top carriers based on your info. We’ll look at a few solid options together and pick one that protects your family and fits your budget. Zero pressure.

03. Apply for coverage when you’re ready.

Like one of the options? I’ll walk you through the application. Some approvals are instant, others take 1-3 days. Get approved? You get your policy plus 30 days to review everything risk-free.

Only the Best Carriers. One Simple Process. Zero Guesswork.

Access to 25+ top life insurance companies – all in one spot. No shopping around, no pricing games. You pay the same rates as going direct, but with expert guidance and options built around you.

What to expect when we meet:

What info should I have ready?

To make this quick and easy, grab:
• Driver’s license
• Social Security number
• Medical history (major stuff, past procedures)
• Current prescriptions
• Your doctor’s name and number

Why do you need this info?

Your license and Social helps verify who you are – prevents fraud and speeds up approval. Medical history and prescriptions give them a clear health picture so you can skip the medical exam. Everything stays secure and private.

Is my information kept confidential?

Yes — your info stays 100% private.
I only share your application with the insurance company you’re applying to. I’m licensed and legally required to protect your information. All data is encrypted using industry-standard protections.
Your info is never sold, shared, or exposed.

What questions will you ask me?

Expect questions about:

• Your health
• Legal and driving history
• Prescription
• Job and income
• Lifestyle and hobbies
• Drug/alcohol use

Will I need a medical exam?

Usually no – just health questions. Sometimes if you want high coverage, (1 million+) they might need a quick health check. It’s free and convenient – a licensed tech comes to you, checks height, weight, blood pressure, small blood and urine sample. Takes 20-30 minutes.

How long will our appointment take today?

About 15-25 minutes. Quick questions, look at options, see if there’s a fit. Got questions? We’ll answer them. No pressure and nothing to pay today.

Alex P.

Hey Troy, that was way easier than I thought it’d be. Last time I got insurance it felt like pulling teeth, but you made it simple. Thanks for walking me through everything – definitely not what I expected!

Tina B.

Troy thanks for keeping it quick today. 20 minutes and done – exactly what you said. Appreciate you not dragging it out with a bunch of sales stuff.

Andrew K.

Troy really came through when I thought nobody could help. Had some issues and figured I was screwed after my last experience with insurance companies. But Troy kept his word – found me coverage and took care of my family like he promised. If you need life insurance, Troy’s your guy. Already told my friends to call.

Antonio & Blanca C.

Just had my first good experience with insurance shopping. Troy took care of mortgage insurance and also saved me $60 a month on my life insurance with better coverage. My wife thinks he’s a magician. This was the simplest and easiest insurance I’ve ever bought – old insurance companies need to step into the current century! Troy gets it.

Rosa D.

Troy – thank you so much for helping us get through this. I was expecting a fight with the Insurance but having you in our corner made all the difference. This went better than I thought it would go. Thanks for being there for us.

What to expect after you apply:

What happens after I apply?

Once we submit everything, underwriters review your info and decide. Most approvals take 1-3 days, some happen same-day when it’s straightforward.

Need more info? They might ask follow-up questions or, rarely, want a medical exam. If that happens, I’ll walk you through it.

First carrier says no? No problem – we pivot to one of your backup options. No starting over.

Once approved, I’ll reach out to confirm details.
Sometimes you get approved with tweaks – lower amount or adjusted rate. You’ll see the exact offer first. Nothing moves without your approval. Like the new terms? We confirm and issue the policy.

What if my application gets declined?

No problem – we pivot to one of the backup options you’re already qualified for. No starting over. I’ll guide you through the next steps to keep things moving.

What payment methods are accepted?

Most companies take bank transfer (ACH) – secure auto-withdrawal from your checking account, just like your mortgage. Keeps your coverage active even if credit cards expire or get lost. Most reliable way to protect your policy.

Can I cancel or change my mind later?

You can pull your application anytime before approval – no penalties, no fees. Once approved, you get 30 days to review, make changes, or cancel for full refund. You’re always in control.

How long does approval take?

Some get approved instantly. Most take 1-3 business days, depending on how fast they get any extra info. If they need anything, I’ll help speed it along.

What if I’m approved with different terms?

Sometimes you get approved with tweaks – lower coverage or adjusted rate. You’ll see the exact offer first. Nothing moves without your approval. Like the new terms? We confirm and issue the policy.

Mortgage Protection 101:

Does this cover both me and my spouse?

Absolutely. Each person applies separately based on age and health, but we’ll look at all your options together – shared plan or separate ones, whatever works best.

Will this affect my credit score?

Nope. Some carriers might do a soft check for identity verification on large policies, but it won’t ding your score.

How does this insurance actually work?

Simple – pays your family a lump sum if you pass away so they can cover the mortgage and keep the house. Some plans include disability or job loss benefits too. Life insurance designed specifically for your home.

Why get this if I have Homeowners or PMI?

PMI and homeowners protect the lender and property – not your family. Mortgage protection pays your loved ones directly so they don’t lose the house. It protects people, not banks.

Is mortgage protection required by my lender?

No. Lenders require PMI, which protects them. Mortgage protection is optional coverage ensuring your family keeps the home no matter what. Peace of mind, not a requirement.

What’s different from regular life insurance?

Most people have some life insurance, but it’s often too little, tied to their job, or not enough for the full mortgage. This is designed specifically to pay off the loan so your family isn’t caught off guard.

What is a replacement policy?

New life insurance that replaces existing coverage – usually because the original doesn’t meet your needs anymore. I’ll help you see if we can improve your current coverage or cost with something better.

Is work life insurance enough?

Work coverage is nice, but it ends when you leave and usually only pays 1-2 years salary. Often not enough to protect the home or give your family real recovery time. This fills that gap.

How much coverage could I get

Anywhere from 10% up to your full mortgage amount – depends on your age, health, and what you qualify for. I’ll show you what’s available and which carriers fit your needs and budget.

How would a payout work?

You pass away, insurance pays your beneficiary a lump sum. They can use it for the mortgage, bills, whatever they need. No restrictions

What if I refinance or move homes?

Most policies follow you, not the loan. Move or refinance? Keep the same policy or adjust it. I’ll help make changes so your coverage always fits.

What does this policy actually cover?

You can pull your application anytime before approval – no penalties. Once approved, you get 30 days to review, change, or cancel for full refund. You’re in control. I’ll make sure you understand everything before we finalize anything.