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Independent Insurance Agent David Happe Appointed To Sell Full Range of Life Insurance to Floridians

David Happe, based in Tarpon Springs, Florida, secured a critical appointment of a branded insurance offering that completes a full range of life insurance services available across the State of Florida from his Tampa (Tarpon Springs, FL) office. Happe, a Florida licensed independent insurance agent, is growing quicly in part due to his Buy Happe Guarantee which provides customers with a unique set of transparency and integrity guarantees.


The full range of life insurance options available through David Happe includes:


Term Life Insurance:

  • Affordable and straightforward coverage for a specified term, offering financial protection during crucial life stages.

Child Life Insurance:

  • We work with the #1 child life insurance brand, who provides not only a cash value life insurance policy that grows over the years but provdes a guarantee of future insurability without qualification.

Saving For College:

  • Unique insurance vehicle that provides a safe, secure and easy way to help pay for college, with both guaranteed savings growth and adult life insurance.

Whole Life Insurance:

  • Permanent coverage with a cash value component, providing lifelong protection and potential for financial growth.

Universal Life Insurance:

  • Flexible and customizable coverage with the ability to adjust premiums and death benefits to suit changing needs.

Indexed Universal Life Insurance:

  • Combining the flexibility of universal life with the potential for growth tied to market indexes, offering a unique approach to wealth accumulation.

Guaranteed Issue Life Insurance:

  • Coverage without the need for a medical exam or health questions, ensuring accessibility for individuals with health challenges.

Final Expense Insurance:

  • Designed to cover end-of-life expenses, providing financial assistance to loved ones during a difficult time for all incomes regardless of health history and with no medical exams.

Accident Protection / Accidental Death and Dismemberment (AD&D) Insurance:

  • Coverage specifically for accidental death or injury, offering additional protection beyond traditional life insurance.


Being an independent fiduciary licensed insurance agent in Florida signifies that the individual holds a license to operate as an insurance agent in the state of Florida. Additionally, the term "independent fiduciary" carries significant implications for their professional conduct.


As an independent agent, this individual is not tied to a specific insurance company or product. Instead, they have the flexibility to offer a diverse range of insurance products from various providers. This independence allows them to objectively assess and recommend insurance solutions tailored to the unique needs of their clients.


Moreover, the designation of "fiduciary" implies a high standard of trust and ethical responsibility. A fiduciary is obligated to prioritize the best interests of their clients above all else, ensuring transparency, honesty, and diligence in their recommendations. This commitment to acting in the client's best interest helps build a relationship based on trust and confidence.


In the context of insurance, an independent fiduciary licensed insurance agent in Florida is expected to thoroughly understand the insurance landscape, stay informed about industry developments, and guide clients through the complexities of insurance policies. Their role involves not only helping clients find suitable coverage but also providing ongoing support and advice as their insurance needs evolve. Clients can rely on them to make recommendations that align with their financial goals and risk tolerance, backed by a commitment to ethical and client-centric practices.


David Happe is an independent feduciary licensed insurance agent in Florida.







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