David Happe Insurance

07/01/2026

Industry leaders work harder than anyone else, and that's why they win. When you come across them you will know. Today, I ran across one. A unicorn.

There's a guy in the insurance industry named Joseph Kohut. He leads a company called Catholic Financial Life from Trusted Fraternal Life. He's their director of sales distribution, which means he deals with agents across the country.

Today, while he was traveling and swamped, he returned my call from the road, within an hour. Keep in mind, I don't do business with Catholic Financial Life yet. I am licensed in Florida for insurance and annuities, but it's pretty much a friends and family thing for me. Joe had no reason to prioritize my call.

Friends, he prioritizes everyone's call. I have met executives like him before. Not only is he authentic, but he probably realizes every phone call may be one step away from a blockbuster deal (as I usually am). So, he called.

Not only did he call, but after the call, from the road, he an hour or two later sent a follow up email with an illustration of what we talked about. I didn't ask for it, but he knew I could use it. Exceptional. Above and beyond. Unusual. I will use what he sent to put some business in motion.

If you have made it this far, let me tell you who his company is. As a consumer looking for life insurance or annuities, this is the type of company you want in your corner. This is the type of company you want to do business with.

Trusted Fraternal Life and Catholic Financial Life are nonprofit fraternal benefit societies that provide life insurance and other financial products while also supporting their members through charitable giving, scholarships, volunteer programs, and community service. Unlike traditional stock insurance companies that exist to generate profits for shareholders, a fraternal insurance company is a member-owned organization built around a common bond, such as religion, ethnicity, or another shared affiliation. Fraternal insurers are regulated insurance companies that offer many of the same life insurance products as traditional carriers, but they also emphasize member benefits, community involvement, and a mission of serving their membership rather than maximizing shareholder profits.

If you're in Florida, hit me up and I will connect you with them to get you a quote new or replacement life insurance, and annuities. You don't have to be a Catholic to work with them and from what I have seen, there are a ton of reasons to say YES to Trusted Fraternal Life.

John Borgen I hope you realize what a diamond in the ruff you have here. You are welcome to call me with any questions.

06/18/2026

Finally an insurance market correction for Florida

Florida’s auto and home insurance markets are stabilizing, delivering much-needed relief to drivers and homeowners across the state as insurance prices come down. The downward trend stems directly from changes passed by state lawmakers in 2023, which helped reduce insurance claim costs and lawsuit...

06/12/2026

I may be one of the only insurance agents you ever meet that is skeptical about the insurance business, and that's probably why I am so good at this. Lets talk...

06/11/2026

06/11/2026

We are just starting to dip our toes in some Google advertising to start to expand our reach beyond Pinellas.

03/10/2026

This is the picture from where I was sitting at a meeting.

I visited with a funeral director the other day in Seminole. It was surreal as we were talking business, but sitting in his “selection center.” Every day, people find themselves in a surreal storm as they sit at that table picking out a casket for a loved one that passed away a few hours prior. Shock, overwhelming sadness and emotional paralysis.

Add financial trauma. The most simple cremation is a few thousand dollars. Add a casket and service and the rest and you’re talking several thousand. A lot of people sit at the table I was at and the financial trauma is the final psychological straw.

That’s part of the reason we’re rolling Form America nationally. One of the goals is to become the best at helping people who don’t have insurance get a cheap “final insurance” policy in place so when their loved ones are sitting at this table, they don’t have to worry about how much this costs.

For people like me that hate insurance companies, final expense is the responsible thing to do. It’s around $50 bucks a month (+/-) and covers the full cost of final expenses and more.

If you’re in Florida, visit www.finalexpenseflorida.com and we can hook you up no matter your age or medical condition. It’s the responsible thing to do for your family.

03/05/2026

https://apnews.com/article/nascar-kyle-busch-insurance-lawsuit-da7a1a794a16e8a960367301d0f95566

Two-time NASCAR champion Kyle Busch and a life insurance company have settled an $8.5 million lawsuit in which the driver said he was misled into purchasing policies marketed as safe retirement plans.

03/04/2026

Trust Matters When It Comes to Your Family’s Future

When you’re dealing with life insurance, protecting your family, and planning your legacy, trust matters.

David Happe scored in the 97th percentile on the Florida life insurance licensing examination and earned a perfect 100% on the Florida annuity examination.

He is an independent Florida insurance agent, not captive to a single insurance company pushing its own products. That independence matters. It means the conversation starts with your family, your goals, and your financial security not a quota from a corporate sales desk.

At Final Expense Florida, you receive:

• Full disclosure
• Full transparency
• Access to multiple A-rated insurance carriers
• Guidance tailored to your specific needs and budget

Whether you are exploring term life insurance, whole life insurance, final expense coverage, or Florida-approved annuities, the person advising you should be someone you trust to put your family first.

Who you choose to advise you on insurance and annuities matters.

When families in Florida want straightforward answers, clear options, and an independent advocate working on their behalf, they turn to David Happe and Final Expense Florida.

Your family deserves financial security.
Your legacy deserves protection.

Final Expense Florida
Insurance and annuity solutions for Florida families
David Happe, Independent Insurance Agent
Florida License

02/28/2026

This is not intended as legal or investment advice, but it is my editorial opinion on what I think the ramifications of bombing Iran might be for the short term :

A fast, opinionated read on what this Iran war could do to your wallet next week

02/28/2026

https://podcasts.apple.com/us/podcast/the-happe-hour/id1817056878?i=1000752067835

Podcast Episode · The Happe Hour · February 28 · 51m