ABOUT US
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.
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.”

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 and two grandchildren, 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. 
Insurance Woman is here to save you money! 
Read More About Jana
MEET THE TEAM
  1. Michael 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.
  2. Gabriel McDonald
    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.
  3. Sam Smith
    Sam Smith is a NW Florida native hailing from Panama City Florida. He is a 1994 graduate from Troy State University. He is married with nine year old twin boys. His insurance specialties include personal lines policies, particularly Home Auto and Life insurance with a special focus on customer service.
  1. Beck 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.
  2. Lacy McDonald
    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.
  3. Adrienne Thompson
    I was born in Manchester, England and raised on the west coast of Canada. After several years of living in northern Alberta, my husband and I, along with our three daughters moved to Florida and became an active part of the school band programs. I worked for many years in the field of accounting both in public practice and industry while living in Canada. After a year off work, I have come back to Term Brokers to continue doing account maintenance, client audits and working with commercial renewals.
  1. Madison Wires
    I was born and raised in the small town of Atoka, Tennessee before moving to Niceville with my family in June 2013. We have been so happy living in Florida; we love the sunshine and warm weather! My sister and I both graduated from Niceville High School and have attended Northwest Florida State College. I have accumulated 6 years of experience in customer service, with 4 years of professional management experience. As of 2017, I am a licensed 4-40 Certified Professional Service Representative and I am pleased to provide excellent service to all of our customers here at Term Brokers!
  2. Kathryn Kuhlman
    I was born and raised in Florida and have always loved the panhandle area. After high school I joined the U.S. Army, as a logistics specialist. My time in the Army ended when I became pregnant with my 3-year-old son, Jonah. After returning back to the panhandle I started in the insurance industry at Northwestern Mutual as a customer service representative where I attained my 2-15 license in life, health, and annuities. Last year I earned my 2-20 license in general lines and have received the best training while becoming an agent for Term Brokers. I enjoy the fast-paced environment at this agency and look forward to continuing to serve our area with the upmost professionalism and integrity.

The McDonald Family