Start Building a Safer Tomorrow!

Insurance That Puts You First.

We offer affordable, personalized plans designed to protect what matters most your family, your retirement, and your peace of mind. With flexible options tailored to your needs, you can move forward with confidence knowing your future is secure.

Take a positive step

Protect the Things You Value Most

Our mission is to make a positive impact by helping people in meaningful ways. We assist consumers in saving money, empower businesses to reduce risk, and work with families to protect, preserve, and strengthen their financial future for years to come.

About Koz insurance

At Koz Insurance, we believe insurance is more than just a policy — it’s peace of mind, a promise, and a partnership. Our mission is to protect what matters most to you: your family, your future, and your financial security.

With years of experience in the insurance industry, we bring together deep expertise, personalized guidance, and a genuine commitment to helping our clients make informed decisions. From life insurance and tax-free retirement planning to final expense coverage, we tailor solutions to meet your unique needs and goals.

We pride ourselves on transparency, integrity, and long-term relationships. Every conversation begins with listening, because we know that understanding your story is the first step to protecting it.

Our promise is simple: to be there when you need us most, offering clarity in the complex, stability in uncertain times, and confidence in every stage of life.

Because at Koz Insurance, we’re not just insuring lives — we’re building futures.

Meet Jon Mall

Financial Strategist 🚀 Helping you create retirement income you won't outlive 💰 Multi 8-figure agency 🎯 Guarantee Income For Life | Protect From Loss | Maximize Generational Wealth

My Licenses and Certifications:

Series 6 Securities License, Life and Health Agent.

Former Registered Representative with Transamerica Financial Advisors

Florida State License Number: P222905, NPN-15536744.

Master of Public Administration & Bachelor of Science Degrees

Retired Police Sergeant & Graduate of the FBI National Academy S-210

Certified Public Pension Trustee (CPPT)

Financial Coach & Trainer

Loves to Help People Win!

Our Services Protecting Your Future Today

We provide comprehensive insurance and financial solutions designed to safeguard your health, wealth, and legacy. From life insurance and retirement planning to long-term care and group benefits, our goal is simple help you and your loved ones achieve financial security and peace of mind at every stage of life.

Whole Life

Guaranteed protection that lasts a lifetime. Secure cash value while protecting your family’s legacy.

Final Expense

Affordable peace of mind for life’s final costs. Ease the financial burden for the ones you love most.

Health Insurance

Stay covered with reliable, affordable healthcare plans. Protect your health and your wallet at every stage of life.

Tax-Free Retirement

Grow your wealth without the tax stress. Enjoy financial freedom and a worry-free retirement lifestyle.

Index Universal Life (IUL)

Build lifelong protection with growth tied to market performance. Flexible coverage plus cash value that works for your future.

Annuities

Fixed Annuities, Fixed Index Annuities, Income Annuities, Annuity Living Benefits

Long-Term Care

Prepare today for the care you may need tomorrow. Protect savings and ensure quality care without worry.

Critical Illness

One diagnosis shouldn’t mean financial devastation. Lump-sum protection so you can focus on recovery, not bills.

Group Health

Boost employee well-being with tailored group coverage. Affordable plans that strengthen teams and businesses alike.

You may or may not qualify for all or any of the options above. The best way to discover your options is to schedule a free consultation with a specialist today.

What is Life Insurance?

Life insurance isn’t just a policy it’s a commitment to the ones you love. We offer flexible plans tailored to your needs, so you can:

Provide Financial Security: Ensure your loved ones are financially protected if the unexpected happens.
Cover Outstanding Debts: Protect your family from the burden of unpaid debts, like mortgages, loans, and final expenses.
Plan for Education Costs: Leave a legacy that supports your children's dreams and aspirations.

Common Types of Life Insurance

Term Life Insurance

Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

Whole Life Insurance

Whole life insurance, or whole of life assurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.

Universal Life Insurance

A type of permanent life insurance. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy. The cash value is credited each month with interest, and the policy is debited each month by a cost of insurance (COI) charge, as well as any other policy charges and fees which are drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer, but has a contractual minimum rate of 2%. When an earnings rate is pegged to a financial index such as a stock, bond or other interest rate index, the policy is a "Equity Indexed Universal Life" contract.

What is an Annuity?

Annuities are low-risk investment products where an individual pays a lump-sum premium to an insurance company, which then provides fixed, periodic payments over a set time period. The insurer invests the premium, generating returns that fund the payments to the insured while also compensating the insurer.

Conventional annuities offer a predictable income stream, often used for retirement, until the beneficiary’s death or a predetermined end date. They help accumulate funds and increase personal income through future lump-sum withdrawals, while legally avoiding taxes like income, capital gains, and estate taxes.

WHY CHOOSE US

We Provide Best Insurance Services For You

Choosing the right insurance company is about more than just finding the lowest price. It’s about trust, support, and long-term security. At Koz Insurance, we believe protecting what matters most to you should be simple, reliable, and stress-free. Here’s why thousands of families and individuals continue to choose us:

Service With Love

We go beyond policies, delivering care and protection with genuine compassion.

Clients Focused

Your needs shape our solutions, ensuring coverage that truly fits your life.

Individual Support

From questions to claims, we stand by you with personalized guidance every step of the way.

Our Travel Partner Is now providing you a FREE Hotel Savings Card When You Schedule a No obligation Consultation.

The Hotel Savings Card provides wholesale rates at over 1 Million Hotels worldwide and the
Restaurant Dining Advantage Card provides you with discounts at over 55,000 Restaurants around the country!

Enjoy this great offer! Compliments of Koz Insurance.

MISSION & VISION

We build valuable partnerships with our clients

Mission

Our mission is to provide insurance solutions that are simple, reliable, and filled with care. We are dedicated to protecting families, individuals, and businesses with integrity. By focusing on trust and personalized support, we bring peace of mind to every client. We exist to make security and protection a stress-free part of everyday life.

Vision

Our vision is to be a leader in the insurance industry built on trust and compassion. We aspire to create a future where everyone feels safe, supported, and valued. Through innovation, service excellence, and long-term commitment, we aim to inspire confidence. We see ourselves as lifelong partners, protecting what matters most at every stage of life.

What is the Hotel Savings Card Exactly?

Its similar to a gift card for booking hotel stays EXCEPT that it can only cover a portion of the stay (usually 10-50% off the lowest online price, depending on the hotel and length of stay)

They are valid at over 1 million hotels & resorts worldwide with no blackout dates and no expiration date. So whether you use it for last-minute business travel or planning your next vacation you will save big.

If you don't save the entire face value of the hotel savings card on one booking you will have a cash credit balance available for your next hotel booking that never expires.

That means if you Schedule a No obligation Consultation you get a $200 Hotel Savings Card.

200

+ Projects Done

110

+ Happy Clients

07

+ Active Experts

10

+ Win Awards

200

+ Projects Done

110

+ Happy Clients

07

+ Active Experts

10

+ Win Awards

TESTIMONIALS

What Client Say's

We’re proud to build lasting relationships built on trust, care, and commitment. Our clients value the personal attention and peace of mind they experience when working with us.

Sarah M

Working with Cynthia has been one of the best decisions for my family. They took the time to truly understand my needs and made everything simple and stress free. I finally have peace of mind knowing my future is in good hands.

Mindy

Cynthia helped me find a long term care policy for a fair premium. The process was very simple. LTC is very important to me since I experienced my husband's Alzheimer's. He declined rapidly and had to be placed in memory care. Paying out of pocket is very expensive. I got the LTC for myself so I won't be a burden on my children.

Bobby

Cynthia is a joy to work with! She showed me the difference between LIFE Insurance Final Expense. She got me set-up on and Index Universal Life policy that will guarantee me a TAX-FREE retirement income.