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about term Life Insurance

I am James Sparkman. I am the founder and CEO of TermLife Mutual.   I am afamily-oriented person. My wife and I have been married for over 20 years! We have 5 children. We have 2 set of twins and 1 middle child. Since joining the financial services industry in 2004, I have made it my focus to help individuals, families and business owners save money on life insurance costs, reduce taxes, protect assets, build wealth and eliminate debt. While I try to help everyone that I can, I particularly enjoy working with those that seek to enjoy the journey of life.

Termlife Mutual is a life insurance agency that primarily provides individuals, families, and business owners with Term Life insurance. While TermLife Mutual’s flagship product is Term Life insurance, we do have other insurance products and services. Our goals are to help insure America with quality life insurance.

We work with multiple life insurance companies however our primary partner is Haven Life who are wholly owned by MassMutual Life insurance company. MassMutual is an A+ rated life insurance company that has been around for over 160 years.

 Most of life insurance industry is still catching up with the times of internet and technology. Most life insurance is still sold thru a life insurance agent. At TermLife Mutual, we have partnered up with one of most up-to-date technology to allow our clients to purchase life insurance without the need for agent nor medical exams (no needles). This is our strong point that separates us from most life insurance agencies. We have platform that you can complete a quick application in less than 10 minutes without the need for agent. Our partners at

has the technology and secure site for quotes and applications for our products and services. Amazingly this technology was developed by Levinson and Associates, who are leading the way in advancing life insurance products. Once you decide on the amount of your term life insurance, you can simply click for quote, scroll down until you see the LIFE icon, receive quote and then move forward with a simple application. We welcome you to the family of TermLife Mutual!

Instant Quotes

We accept Credit Cards
Visa, MasterCard, American Express, Discover and CashApp Visa!

Trusted Partner



Does not decrease due to the term.


Does not decrease in the term period.


Large Death Benefit up to 500K


Short 15 minute Application and Simplified Life Insurance Policies do NOT require an exam!

Customer Reviews

I absolutely love how you stay connected with your customers. If we have any problems or questions you’re always available to help out as much as you can.

Genia R.

Leesburg, FL

James is reliable and efficient and showed great concerns for my needs.

Carrie G

Wildwood Florida

Very professional, willing to answer any questions and definitely goes above and beyond to make sure clients have the coverage they need and is best for their unique situation!

Antoinette B

Apopka Florida

James is knowledgeable, friendly and accommodating.

Tray T

Central Florida

James is a remarkable human being, and I appreciate all of James’ hard work and dedication to serving people……

Kenny J


James is very professional, knowledgeable, kind and outgoing. He helps get the insurance that’s right for the person and their situation.

Samantha B

Central Florida

I met Mr. James in my neighborhood; he gave me insight about different companies. He explained very clearly to me I really enjoy the information.  I have referred others because of his performance. Mr. James is the man!

Vert. K

Atlanta Georgia and Central Florida

Keep being beautiful, God bless!

Barbara F

Leesburg, Florida

James is a very outgoing young man. He is very informative on the product that will best serve his client.

Joyce T

Orlando Florida

This is not just one sentence that rates your services or character. You are truly amazing; you give comfort knowing about your services and all if provides and your character is phenomenal extremely trustworthy.

Zakiya W

Orlando, Florida

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Our Address

23616 Stream Ave Suite 101 Sorrento FL 32776