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 Certification Pending
Service-Disabled Veteran-Owned Small Business — certification pending (SBA VetCert).
About SBA VetCert →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, SDVOSB Certification Pending
Jon Lynch Insurance Group operates under the Jon Lynch Financial Group umbrella, a veteran-owned holding company (SDVOSB Certification Pending). 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) will be eligible for SDVOSB set-aside and sole-source contracts under FAR Part 19 once SBA grants certification. 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