From protecting your family today to building lasting wealth, we match you with the right products from top-rated carriers.
Whole Life
Permanent protection with guaranteed death benefit and cash value that grows tax-deferred for life.
Learn more βFinal Expense
Affordable coverage that ensures your end-of-life costs never become a burden to your loved ones.
Learn more βIUL
Index-linked growth with downside protection β build wealth while keeping your family covered.
Learn more βAnnuities
Guaranteed income streams for retirement β never outlive your money with the right annuity strategy.
Learn more βTerm Life
Maximum coverage at the lowest cost for the years your family needs protection the most.
Learn more βReady to Protect Your Family?
Get a free, no-obligation consultation from a local expert who genuinely cares about your future.
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About Sebastian River Insurance
A local, independent agency built on trust, community, and a genuine commitment to protecting Florida families.
Sebastian River Insurance was founded with a simple belief: every Florida family deserves honest, personalized insurance guidance β not a sales pitch. As an independent agency, we represent multiple top-rated carriers, which means we shop the market for you and recommend only what fits your life and budget.
Agent Taylor Parr specializes in Whole Life, Final Expense, IUL, Annuities, and Term Life. Whether you're just starting a family or planning a secure retirement, Taylor walks you through every option in plain language with zero pressure.
Our tagline says it best: Our Family Helping Yours. That's not marketing β that's our promise.
π€ Trust First
We never push a product that isn't right for you. Period.
π Community Roots
We live and work here. Your family's security matters to us personally.
π¦ Carrier Choice
As an independent agency, we compare across carriers to find your best fit.
π Always Available
Real answers from Taylor directly β not an 800 number or a chatbot.
Insurance Products & Services
Five powerful solutions to protect your family, grow your wealth, and secure your retirement β customized to your life.
Whole life insurance provides lifelong coverage with a guaranteed death benefit that never expires β as long as premiums are paid. It also builds cash value over time that you can borrow against tax-free for emergencies, education, or retirement income.
Ideal for families who want permanent protection and a guaranteed financial legacy.
Get a Whole Life QuoteFinal expense insurance is affordable whole life coverage designed to cover funeral, burial, and end-of-life costs. With simplified underwriting, most applicants qualify regardless of health β providing dignity and financial relief for your family when it matters most.
A simple, compassionate plan that protects your loved ones from unexpected end-of-life expenses.
Get a Final Expense QuoteAn IUL offers flexible life insurance coverage while allowing your cash value to grow linked to a stock market index β with a floor so you never lose money in a down market. It's one of the most powerful tools for tax-advantaged wealth building alongside life insurance protection.
Perfect for clients who want life insurance and a smart wealth-building vehicle with tax advantages.
Get an IUL QuoteAnnuities provide a guaranteed income stream for retirement β you'll never outlive your money. Whether you want a fixed annuity for predictable growth, or an indexed annuity for upside potential, we'll help you find the right structure for your retirement goals.
Great for pre-retirees and retirees who want guaranteed income without the risk of the stock market.
Get an Annuity QuoteTerm life delivers maximum death benefit coverage for a set period β 10, 20, or 30 years β at the lowest possible premium. It's ideal for young families, mortgage protection, and income replacement during your peak earning years.
Ideal for young families who need significant coverage now at a budget-friendly monthly premium.
Get a Term Life QuoteGet Your Free Quote
Call or text us directly and Taylor Parr will help you find the right coverage β no pressure, no obligation.
Speak Directly with Taylor Parr
π 229-292-2946Licensed in 49 States
Sunday: By appointment
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β Back to main websitePrivacy Policy
Last updated: June 2026
Sebastian River Insurance ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request a quote, or otherwise interact with our agency.
We may collect the following types of information:
- Contact information such as your name, phone number, email address, and mailing address.
- Quote and application information such as your age, health information, beneficiary details, and other information relevant to the insurance products you inquire about.
- Communications you send us, including messages submitted through our contact and quote request forms.
- Technical information such as your IP address, browser type, and pages visited, collected automatically when you use our website.
We use the information we collect to:
- Provide insurance quotes and process applications you request
- Communicate with you about your inquiry, policy, or account
- Connect you with licensed insurance agents and, where applicable, third-party insurance carriers
- Improve our website and services
- Comply with legal and regulatory obligations
As an independent insurance agency, we may share your information with:
- Insurance carriers for the purpose of obtaining quotes or processing applications on your behalf.
- Service providers who help us operate our business, such as hosting providers and software platforms, under obligations to protect your information.
- Legal authorities when required by law, regulation, or legal process.
We do not sell your personal information to third parties.
We use reasonable administrative, technical, and physical safeguards to protect your personal information. Account credentials for our agent portal are encrypted and never stored in plain text. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
You may contact us at any time to ask what information we have on file, request corrections, or ask that we delete your information, subject to any legal or contractual obligations we may have to retain certain records (such as those required by insurance regulations).
Our website may use cookies or similar technologies to improve your browsing experience and understand how visitors use our site. You can control cookies through your browser settings.
Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision.
If you have questions about this Privacy Policy or how we handle your information, please contact us at 229-292-2946 or through our contact page.
Terms of Service
Last updated: June 2026
These Terms of Service ("Terms") govern your access to and use of the Sebastian River Insurance website, including any content, features, quote requests, and the agent portal (collectively, the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.
Sebastian River Insurance ("we," "us," or "our") is an independent insurance agency licensed in Florida and other states, offering access to life insurance and related products through licensed agents and third-party carriers.
Information provided on this Site, including product descriptions, quotes, and calculators, is for general informational purposes only. It does not constitute an offer of insurance, a binder, or a guarantee of coverage. Actual coverage, rates, and terms are determined solely by the underwriting carrier and are set forth in the official policy documents issued to you.
When using this Site, you agree that you will:
- Provide accurate, current, and complete information when requesting a quote or contacting us
- Use the Site only for lawful purposes and in accordance with these Terms
- Not attempt to gain unauthorized access to the agent portal or any other restricted area of the Site
- Not interfere with or disrupt the operation of the Site or its servers
Access to the agent portal is restricted to authorized agents and staff. Credentials are personal to the individual to whom they are issued and may not be shared. You are responsible for maintaining the confidentiality of your login information and for all activity that occurs under your account.
All text, graphics, logos, and other content on this Site are the property of Sebastian River Insurance or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
The Site may reference or link to insurance carriers and other third parties. We do not control and are not responsible for the content, policies, or practices of any third party. Any insurance product ultimately issued to you is governed by the terms of that carrier's policy.
The Site is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or secure.
To the fullest extent permitted by law, Sebastian River Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of, or inability to use, the Site.
We may update these Terms from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles.
If you have questions about these Terms, please contact us at 229-292-2946 or through our contact page.