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One guide for the coverage your whole life needs.

Most agents sell a single product and call it a day. Lenny Burton, CLU, shops the whole market across life, travel, and more, so the coverage fits your family instead of someone's sales quota.

Lenny Burton, CLU
Lenny Burton, CLU®
Your Licensed Insurance Agent NPN 19046937
"You're the hero.
I'm your guide."
Independent agent not captive CLU® highest life insurance designation Licensed in FL, OH, IN & TX No obligation, no spam

Pick the coverage you came for.

Every coverage gets the same treatment: plain-language answers, quotes shopped across the market, and a real person on the other end.

Life Insurance

Protect the people who count on your income. Term, whole, and final expense, shopped across the whole market.

Explore Life Insurance →

Travel Insurance

One annual plan covers every trip you take for a year. Cancellations, medical emergencies, lost luggage, all of it.

Explore Travel Insurance →

Jewelry Insurance

All-risk coverage for rings, watches, and heirlooms. $0 deductible, worldwide protection, and a quote in about 60 seconds.

Explore Jewelry Insurance →

I understand what you're going through.

"Twenty-two years ago an agent offered me life insurance and shrugged his shoulders when I asked a question. My family pays for that mistake every month. I built Ask For Lenny so that never happens to you."

Lenny Burton, CLU

I've worked with hundreds of families making sure they have the right coverage. Here's why they trust me:

  • I work for you, not any single carrier. I shop the whole market.
  • CLU designation means I've done the advanced coursework most agents skip. The Chartered Life Underwriter designation is the highest academic credential in life insurance, held by fewer than 5% of agents in the country.
  • I handle diabetes, health conditions, and situations other agents turn away.
  • Virtual meetings. I work with families across Florida, Ohio, Indiana, and Texas.
  • You can get a quote and apply without ever talking to me. Or we can talk through everything. Your call.
Lenny Burton

Lenny Burton, CLU®

Chartered Life Underwriter

Independent agent serving families across Florida, Ohio, Indiana, and Texas. Licensed and appointed with top-rated carriers. Available by text, email, or scheduled call.

(772) 675-5433
ahoy@coveragecaptain.insure

Ready to protect what matters?

Get quotes in about 5 minutes. No obligation. No pushy follow-up.

Your situation might be different.

A few things worth knowing before you go.

Have diabetes or another health condition?
Most agents hear the word diabetes and stop listening. Lenny doesn't. There are carriers who say yes, and Lenny knows which ones. The same goes for high blood pressure, sleep apnea, a history of cancer, or carrying a few extra pounds. If you smoke, there are options for you too. Other agents use health conditions as an excuse to show you the door. If you've been told no before, that conversation isn't over.

What you need to know about Life Insurance with diabetes

Why Should I work with a CLU®?
Why not put every tool in your tool bag for your family? The CLU® designation is an important risk management tool your family gets to use, all at no extra cost for you!

Why do families need life insurance?
Because the people who love you shouldn't have to figure out how to pay rent the month after you're gone. Life insurance isn't a financial product, it's an act of love. It matters whether you're a two-income household, a stay at home parent whose contribution can't be replaced by a paycheck, a single parent carrying everything alone, or a family that just had a new baby and finally understands what's at stake. Watch this:

For the moments that matter most.
This is why Lenny does what he does. Not for the commission. For the call that comes in when everything has changed and a family needs to know they are going to be okay. It doesn't matter if you're self employed with no employer benefits, recently divorced and rebuilding, or just starting out, the moment you have someone depending on you is the moment this conversation matters.

How much life insurance does my family actually need?
Too little and your family is left in trouble. Too much and you'll drop it when the payments feel heavy. The right number is the one you can carry for the long haul and it's different for every family. A self-employed business owner has different income replacement needs than a salaried parent with a mortgage. Lenny built How Much Life Insurance Do I Need to help you figure it out in about two minutes, no agent required.

Use How Much Life Insurance Do I Need, free, no signup
Do I need a medical exam to get covered?
Not always. Many carriers offer no medical exam life insurance for healthy applicants coverage that can be approved and in force in days, not weeks. For higher coverage amounts or certain health histories, a brief exam may be required. Either way, Lenny will tell you upfront what to expect before you fill out a single form. No surprises, no wasted time.
What's the difference between an independent agent and a captive agent?
A captive agent works for one company and can only offer that company's products. An independent agent like Lenny works for you he shops the whole market across multiple top-rated carriers to find the coverage that actually fits your family and your budget. You get more options, honest comparisons, and an agent whose loyalty is to you, not to a quota.
Serving families across Florida, Ohio, Indiana, and Texas.
Lenny Burton, CLU is licensed and appointed in Florida, Ohio, Indiana, and Texas. He works virtually: video calls, text, email so geography is never a barrier. Families from Fort Pierce, Stuart, Port St. Lucie, Vero Beach, and Palm City on Florida's Treasure Coast work with Lenny. So do families in Cincinnati, Columbus, and Cleveland in Ohio, Indianapolis and Fort Wayne in Indiana, and San Antonio, Dallas, Houston, and Austin in Texas. Wherever you are, you get the same independent, no-pressure guidance.

Florida license: W548097  |  Ohio license: 1258856  |  Indiana license: 3417602  |  Texas license: 3502591  |  NPN: 19046937