About Nathan Allard — Independent Life Insurance Agent in Sun City Center, Florida
Nathan Allard is an independent life insurance agent and the founder of Life Legacy Financial, a Florida-based agency serving seniors and families in Sun City Center, Tampa, and the surrounding Hillsborough County communities.
With more than 5 years of experience specializing in final expense insurance, whole life policies, and Indexed Universal Life (IUL) products, Nathan helps Florida residents protect their families from the rising cost of funerals and end-of-life expenses — without the pressure tactics common in the insurance industry.
A licensed, independent national agent.
Nathan is not captive to any single insurance company. This allows him to shop multiple A-rated carriers on behalf of each client and recommend the policy that fits their health, budget, and family situation. Life Legacy Financial focuses on:
Final Expense Insurance
Whole life policies designed to cover funeral, burial, and end-of-life costs — typically $5,000 to $25,000 in coverage.
Whole Life Insurance
Permanent coverage with guaranteed cash value growth for clients seeking lifelong protection.
Indexed Universal Life (IUL)
Flexible permanent life insurance with cash value tied to market index performance, used for tax-advantaged retirement strategies.
Term Life Insurance
Affordable coverage for younger families needing high coverage during working years.
Mortgage Protection
Coverage designed to pay off a home in the event of death or disability.
A neighbor-first agency.
Nathan and his business partner Teri — a former medical office CFO with 20 years of healthcare finance experience — built Life Legacy Financial as a neighbor-first agency. Most of their clients live within a few miles of their Sun City Center office. They meet clients in their homes, at the local coffee shop, or by phone — whichever is most comfortable.
Multiple Top-Rated Carriers
Represents Transamerica, American General, AFLAC and other A-rated companies — not captive to any single insurer.
Specializes in Seniors 50–85
Including clients with diabetes, COPD, and heart disease that other agents turn away.
No-Exam Policies Available
Simple, fast coverage for clients who want protection without a medical visit.
Plain-English Guidance
No jargon, no high-pressure sales scripts, no surprise fees.
Lives in the Community
Attends the same churches, shops, and community events as the families he serves.
Nathan's Experience
Nathan Allard has been a licensed life and health insurance agent for over five years, with deep expertise in:
- · Final expense and senior market insurance
- · Insurance compliance and Florida state regulations
- · Sales psychology and ethical client communication
- · Digital marketing and lead generation for insurance professionals
Life Legacy Financial is an independent agency. Today we serve clients across Florida as National Independent Agents.
Ready for a free, no-obligation quote?
Schedule a kitchen-table consultation or get a quick illustration.
Ready to Protect Your Family?
A licensed agent serving Sun City Center and Hillsborough County is ready to help — with no pressure and no obligation.