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For Over 30 Years, 100,000 People Have Trusted Us With Their Life Insurance.  No Cost. No Obligation To Start.

Who We Are...


TermProvider is a national Life Insurance Brokerage firm based in Fort Walton Beach, Florida. Founded in the early 1980s, we are one of the largest life insurance brokerages in the nation. We solicit term and permanent life insurance, annuities, and long-term care products through nationwide advertisements.


TermProvider is a leader in the "Impaired Risk" life insurance market. Cardiac problems, diabetes, cancer? We can address these issues and find you coverage. Our Customer Service is the finest in the insurance industry. Our niche market includes upscale, affluent customers who have serious insurance needs.

Term Provider conducts business in 50 states and the District of Columbia, with more than 40 of the best life insurance companies. We only deal with the top-rated companies, and strive to keep the process of purchasing life insurance as simple as possible for our clients.

Our Company is composed of financial professionals who offer high quality insurance and financial products and services to the individual and business marketplace. We take pride in knowing that our clients keep returning to us for advice.

Who Is Big Lou?


Big Lou® is the Brand Name used in advertising created by TermProvider in 2011.  Big Lou is an every person idea, meaning, that he is just like most of our clients in that he needs Life Insurance and has a few health glitches.  Many people find it difficult to navigate the Life Insurance marketplace if they are overweight, have diabetes, or other health issues. Big Lou's® mission is to make the process as simple and understandable as possible. We educate our clients on what goes on behind the scenes during the Life Insurance process to help them understand what is required, and in the end, find the best rate possible. 


A quote is just a quote until a policy is in your hand, and any agent can look at a computer program and give you a potential number. Big Lou® aims to get you the right price the first time so there are no surprises when the policy is approved.  We don't play the bait and switch game by quoting an unrealistic price for your health profile and try to push to take a higher price later. If you are honest with us about what is contained in your Medical Records, Driving History, and Prescription History, we will get you the lowest price period.

Big Lou® doesn't ask for money up front and no payment is required until you get a policy you are happy with.  If you want to shop around, we encourage you to do so, and will give you our exam which can be used with any other broker or insurance company in the country. We are confident that we will get the best rate at the end of the day. Ask your broker if he will give us a copy of his or her exam so we can compete with them. They will not agree to do that.

Upfront. Honest. Dependable People. That is who you find at TermProvider | The Home of Big Lou®

Find out more from Big Lou® at 

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