page title
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 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.

Sam Smith bio
Sam Smith

Term Brokers newest agent Sam Smith is a Northwest Florida native hailing from Panama City Florida.

He is a 1994 graduate from Troy State University with a bachelor’s degree in Social Science with a focus on History and Anthropology. 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. In his free time he enjoys being a soccer dad and fishing and playing guitar.

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!

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.

Adrienne Thompson
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. I enjoy the fast pace of work at Term Brokers.

Outside the office I am an avid cook – from Julia Childs to Jamie Olive – my family loves to cook. We also love browsing around antique shops and going on hikes with our two boxers.

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.]