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Safe Harbor Life Advisors

Asset Protection & Retirement Planning in Florida & Beyond

Build protection around the people and goals that matter most. Alex Steppacher at Safe Harbor Life Advisors compares options, explains costs, and sets a clear roadmap for long-term security.

Education

Expert guidance on wealth protection strategies in Florida & California 

Addressing

Clear answers about term life & whole life insurance options 

Building

Building trusted relationships & providing unparalleled client support

tax

Tax-smart strategies with indexed universal life insurance 

Solutions

Providing custom business solutions

Health Insurance

Customized life insurance & fixed index annuities for your needs 

Life Insurance & Retirement Planning in Florida & Beyond

Safe Harbor Life Advisors provides multiple insurance options from term life to indexed universal life, designed for your specific needs. Whether protecting your family with life insurance in Florida, creating retirement plans in California, or building lasting wealth, our team makes sure every plan fits your financial goals. Our purpose is helping you make informed decisions about insurance and retirement with clear, straightforward guidance.

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What People Are Saying About Us

  • Selecting the best approach to retirement planning felt overwhelming until I started working with Alex. Alex was able to break down all my options clearly and counsel me in a direction that feels both reasonable and smart given my long term priorities. Not only is Alex easy to talk to, kind and a great listener, he’s a problem-solver with a can-do attitude. I just wish I started working with Alex sooner. I highly recommend Alex to anyone in need of a trusted advisor when making difficult decisions pertaining to retirement and insurance.

    Amelia Deren Steppacher

    CEO & Founder-Amelia Rose Design, Inc.

  • I have known Alex for many years, and I can confidently say that he is one of the most intelligent, hardworking, honest and personable persons I have ever met. Alex has an incredible ability to solve problems and bring people together. Moreover, he is one of the very best communicators I have ever gotten to know. His integrity and work ethic are unmatched, and he always approaches challenges with a solution-oriented mindset.

    Gary D. Coe Jr., JD, MBA

    Counsel at Bayer HealthCare

  • Alex is a collaborative partner that I had the pleasure of working with for four years. Alex is committed to his customers and getting things across the finish line. He is engaging, quick to action and open to innovative solutions.

    Anita Webb

    General Manager

  • Alex has been a trusted advisor of mine for years. He is a leader with an extensive network… an expert at bringing diverse resources together to find opportunities, and get the job done. He is highly intelligent, approachable, adaptable, entrepreneurial, and honest.

    Dean Workman, MBA, PMP

    Innovative Operations Leader

  • Alex’s character, knowledge, passion, attention to detail and keeping his eye on the objectives and making budget numbers and staying within budgets to achieve a team goal with out sacrificing his personal growth and goals.

    Richard M. Lewis

    Worked With Alex

Understanding Your Life Insurance Options

Term Life Insurance

Term Life Insurance

  • Coverage Duration: Specified term (e.g., 10, 15, 20, or 30 years)
  • Premiums: Fixed for the term period
  • Ideal For: Individuals seeking affordable, temporary coverage
  • Note: No cash value accumulation; coverage ends if not renewed
  • Living Benefits
Whole Life Insurance

Whole Life Insurance

  • Coverage Duration: Lifetime, as long as premiums are paid
  • Premiums: Fixed and do not increase over time
  • Cash Value: Guaranteed growth over time
  • Ideal For: Those seeking permanent coverage with a savings component
  • Final Expense Coverage Available
Indexed Universal Life Insurance

Indexed Universal Life Insurance

  • Coverage Duration: Lifetime, contingent on sufficient cash value
  • Premiums: Flexible; can adjust payment amounts and frequency
  • Cash Value: Accumulates based on interest rates; offers potential for growth
  • Ideal For: Individuals desiring flexibility in premiums and death benefits
  • Living Benefits
Retirement

Retirement

Whether you’re nearing or in retirement, it’s important to find a solution that addresses today’s key retirement challenges, including market volatility and changing interest rates. A fixed index annuity can help grow and protect your retirement savings.

What is a fixed index annuity?

A fixed index annuity (FIA) is a contract between you and an insurance company. An FIA offers several benefits including tax advantages and the opportunity to earn interest based on the changes of an underlying index. Because an FIA does not directly participate in any stock or equity investment, the money in your FIA (your initial principal plus any credited earnings) is protected from market risk.

Start Planning Your Financial Future

Meet With Our Florida Insurance Specialists - Virtually, or in Person

Schedule a consultation to discuss life insurance and retirement options. Compare term life and indexed universal life in Florida, or explore whole life insurance and fixed index annuities in California. Simple process, clear pricing, and regular updates.

Safe Harbor Life Advisors Provides Life Insurance, Annuities & Retirement Planning for Families & Business Owners in Florida & Beyond, Including:

  • Anaheim

  • Bakersfield

  • Cape Coral

  • Fort Lauderdale

  • Fresno

  • Hialeah

  • Jacksonville

  • Las Vegas

  • Long Beach

  • Los Angeles

  • Miami

  • Oakland

  • Orlando

  • Port St. Lucie

  • Reno

  • Sacramento

  • San Diego

  • San Francisco

  • San Jose

  • St. Petersburg

  • Tallahassee

  • Tampa