Term Life Insurance | Lyons Resources

Simple term life insurance.
Mostly online. Human when you want one.

Life insurance does not need to become a two-hour insurance presentation. Pick the way you want to do this.

Want to do this yourself? Great.

See your options and start online. Many people finish in one sitting.

Get My Quote

Rather talk to someone first? Great.

A short call with me. Ask your questions, then pick up in the quote tool when you are ready.

Talk to Tim First

How it works

1. See your optionsAnswer a few simple questions and see term life quotes from multiple carriers.
2. Apply onlinePick a plan and complete the application. Many applicants may be able to finish without a traditional exam, depending on the carrier and underwriting.
3. Get coveredThe carrier reviews your application and makes a formal offer. If you have questions along the way, I am a call or text away.

Quotes are estimates. Final price, approval, and coverage are decided by the carrier after underwriting. Quotes and applications are completed on Simplicity LifeLink, a separate online platform.

Questions people bring to the call

  • How much coverage do I need?
  • How long should the term be?
  • Does my work coverage count?
  • Should I review an old policy?
  • What happens if underwriting changes the offer?
I Have Questions

Quick reality checks

  • “I have life insurance through work.” Great. How much? Is it enough? What happens if you change jobs?
  • “I already have $250,000.” Great. What is it supposed to cover? Income, the mortgage, college, debt?
  • “Life insurance is expensive.” Maybe. Maybe not. Why guess? Check the price. In a 2025 industry study, healthy adults 30 and under guessed the cost of term life about 10 to 12 times too high.1
  • “I will take care of it eventually.” Price is based on your age and health when you apply. Don’t wait until yesterday.

Ready to see your price?

Check My Price

Already have a policy?

Maybe what you have is great. Maybe your life changed. There is one way to know.

Review My Coverage

Who is Tim?

Tim Lyons. Husband. Dad of four. Financial planner.

I do not own life insurance because I expect to die tomorrow. I own it because people I love are counting on me being here. I want to help you get the coverage you need without making it harder than it has to be.

Call or text me at 561-331-6226. You will reach me, not a call center.

Common questions

Will I need a medical exam?

It depends on the carrier, your age, your health, and the amount of coverage. Many applicants may be able to finish without a traditional exam, blood draw, or urine sample. You will know what to expect before you accept an offer.

What is underwriting?

It is when the carrier reviews your application and health information and makes a formal offer. It is the step between a quote and a policy.

Can the price change after I apply?

Yes. A quote is an estimate. If the carrier’s offer is different from the quote, I can walk you through it and your options.

What is term life insurance?

Coverage for a set number of years, such as 10, 20, or 30. If you pass away during the term, your beneficiaries receive the death benefit. It does not build cash value.

What does it cost to talk to Tim?

Nothing. The call is short, there is no obligation, and you can still do the whole thing online.

Pick a lane

Get My Quote
Talk to Tim First

Source: LIMRA and Life Happens, 2025 Insurance Barometer Study. Insurance products are offered through licensed carriers and are subject to underwriting and approval. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. Lyons Resources and LPL Financial are separate entities.

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