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Jana McDonald
Jana McDonald

Hello! We are Jana and Chris McDonald, owners of Term Brokers Insurance, and we have combined insurance careers of more than 25 years. We've worked for corporate “mega-companies” who, in the end, didn’t stand by their policy holders (in fact, some are now barred from doing business in Florida — you all know the stories), and we've worked for small, local agencies in our hometown of Duluth, Minnesota, too. In 2004, we moved to sunny Florida with the hopes of finding a niche in the familiar territory of insurance.

Shortly after arriving and seeing the dramatic economic changes, our philosophy changed. No longer were we going to “sell” insurance; instead we found an opportunity to “offer” Florida homeowners, business-people and individuals security, protection, peace of mind, and financial vigor, which has become our Corporate Mission Statement.

The McDonald Family
McDonald Family

Our knowledge of and expertise in the insurance industry has made it possible for us to create the fastest growing and most highly acclaimed insurance brokerage enterprise covering the 16 counties of the Florida panhandle.

The many awards and accolades we've received since Term Brokers’ inception have not changed or altered our corporate mandate “to strengthen the economy of northwest Florida by offering the very best insurance coverage at unbeatable prices.”

McDonald Family
McDonald Family

As you can see to the right in this updated family picture, our family has grown over the last few years. Just as our family has grown, Term Brokers Insurance Services also has grown to include thousands of policies covering homeowners, flood, health, life, commercial, and auto insurance. Term Brokers is now one of the largest and most diversified insurance companies in the Florida panhandle!

We are proud members of the local Chamber of Commerce, the Better Business Bureau, and many other insurance industry-related professional organizations.

Along with our four children, we enjoy our lives in Florida. In fact, it was the best move of our lives.  Our children are heavily involved in community events, activities, and sports programs. 

Michael and Jana McDonald
Michael McDonald
Gabriel
Gabriel McDonald


Michael McDonald is a licensed insurance agent! He's fluent Spanish and is going to school to be an accountant and teacher. Michael loves to study the bible. He also loves the Destin area, the beautiful beaches and, of course, surfing.

Gabriel McDonald is a licensed insurance agent and is working part-time in the Ft. Walton Beach office doing account management and client audits while attending college in Pensacola.

Andrew Carl bio
Andrew Carl

I was born in Honolulu, Hawaii, and was raised there for the first decade of my life before my family relocated to Florida to be closer to our relatives. I attended J.W. Mitchell High School in New Port Richey, Florida, graduating magna cum laude in 2005. I was offered an academic scholarship from the University of South Florida and went on to obtain a bachelor's degree in finance. Throughout college I worked in the booming construction industry around Tampa Bay and as a server at Carrabbas Italian Grill before going to work for Allstate during my senior year.

At Allstate, I first became licensed as a 4-40 customer service representative and, realizing the intricacies of Florida's insurance market, went on to obtain a 2-20 general agent license. I enjoy working with customers to find the best coverage at the most affordable price and helping them to understand their policy.

Outside of work I enjoy running, working out, and am an avid fisherman.

Becky Mason
Becky Mason

I was born and raised in Trussville, Alabama. After graduating high school, I joined an excellent team on the service side of Liberty National Life Insurance and, after two years, I advanced to First Protective Life Insurance and continued to grow in my customer service skills. After visiting the Gulf Coast and meeting my husband in 2000, I fell in love with this area and what it had to offer, so I quickly moved to Fort Walton Beach.

In 2001 I acquired my 220 general agent’s license and serviced the area under Access Mortgage and Insurance/Parish National Bank and Insurance/Whitney National Bank and Insurance/Hancock Bank and Insurance. After four bank acquisitions and 14 years of sales and service experience, I am now employed with Term Brokers Insurance. I bring a vast knowledge of the Florida insurance markets and what they have to offer, and I look forward to servicing my new clients.

My husband and I have two sons ages 12 and 19, and we enjoy middle school football and baseball, fishing, surfing, skimming, boating, and everything the Florida lifestyle has to offer!

Kristyn Souto
Kristyn Souto

The Panhandle is my home! I went to elementary, middle, and high school here, graduating from Fort Walton Beach High School in 2009. I then traveled to the University of West Florida in Pensacola to achieve my bachelors degree in Community Health Education and Exercise Science.

I stumbled upon the insurance industry, starting out at State Farm in Pensacola where it lit a passion inside me to help other people in the local community. I am very passionate and motivated to help others achieve their needs by managing their everyday risk.

Outside of work I love being outdoors, crafting and being creative, practicing yoga, and enjoying time with my friends and family.

Lacy Carters bio
Lacy Carters

I was born and raised in Florida. This is my home! I graduated from Niceville High School and, in addition to working at Term Brokers, I am a student at the University of West Florida and will shortly receive an associate’s degree. I will continue my studies, working toward a degree in engineering.

I am married to Michael McDonald and we are expecting our first child in June 2014. I look forward to serving all in the Florida Panhandle as a certified Insurance Agent and am excited about serving our community in Niceville further. I expect to make an important impact of the highest quality customer service to those we serve at Term Brokers.

Gabriel McDonald
Gabriel McDonald

I am a licensed insurance agent working part-time in the Fort Walton Beach office doing account management and client audits while attending college in Pensacola.

Copyright Term Brokers Insurance Services 2014 [License Nos. L048446 and 17077, Jana McDonald License No. E155640 Licensed 220 (property and causality), life, and health license. Christopher McDonald Licensed 220 E160810. Commercial use by others is prohibited by law.]