I'm Jon Lynch — independent agent, veteran, Florida-based.
If you've been passed around between three different "agents" who don't return calls — or pitched whole life when you needed term — I get it. I built Jon Lynch Insurance Group to be the opposite of that.
What I do
I'm an independent Florida-licensed insurance agent. That means I'm not tied to a single carrier — I shop your case across multiple A-rated insurers and recommend what genuinely fits your situation, not what pays the highest commission.
I focus on three areas:
- Life insurance — Term, Whole Life, and Indexed Universal Life (IUL). Most families need term first; some have specific goals that warrant permanent coverage. I'll tell you which is right for you.
- Health insurance — ACA Marketplace plans, supplemental coverage, short-term plans, and dental/vision. I help with both Open Enrollment (Nov 1 – Jan 15) and Special Enrollment Periods.
- Annuities — Fixed annuities, indexed annuities, and MYGAs for retirement income. The conversation always starts with your goals, not a product pitch.
Credentials
FL DFS 2-15 License
Life, Health, & Variable Annuity Producer — issued by the Florida Department of Financial Services.
Verify on FLDFS →SDVOSB Certified
Service-Disabled Veteran-Owned Small Business — verified by the U.S. Department of Veterans Affairs.
SBA registry →Multi-Carrier
Not appointed exclusively with any single carrier. I shop your case across multiple A-rated insurers.
English & Spanish
Full conversations, paperwork explanation, and policy delivery in either language.
How I work
What you can expect
- I answer the phone. Not a phone tree, not a callback queue. If I'm with another client, I call you back the same business day.
- No-pressure consultations. The first conversation is education, not a pitch. I'll only recommend products if they actually fit your situation.
- Honest conversations about cost. I'll show you real quotes from real carriers — not vague "starting at" pricing designed to get you on the phone.
- Clear explanations in plain language. No jargon, no sales-speak. If you don't understand something, that's my problem, not yours.
- I'll tell you when not to buy. If life insurance or annuities aren't right for you right now, I'll say so. I'd rather have a long-term client than a short-term sale.
Why Florida-only
I'm licensed and resident in Florida and I work exclusively with Florida residents. That's a deliberate choice — I know the FL DFS rules, the carriers active in this state, and the local market dynamics in Miami-Dade, Broward, and Monroe counties. A specialist beats a generalist every time.
Veteran-owned, federally certified
Jon Lynch Insurance Group operates under the Jon Lynch Financial Group umbrella, an SDVOSB-certified holding company. SDVOSB isn't a marketing label — it's a federal certification that requires service-connected disability documentation, ownership verification, and ongoing eligibility review every three years.
For commercial customers, that signals operational discipline. For federal customers, JLIG (through the parent) is eligible for set-aside and sole-source contracts under FAR Part 19. Read the full SDVOSB credentials page →
Ready to talk?
Direct line: (786) 777-8869
Email: [email protected]
Office: Homestead, Florida (service area: all of Florida)
Hours: Mon–Fri 8am–8pm ET, Sat–Sun 9am–6pm ET