01
Life insurance
Explore term, whole life and other coverage options with a clear view of purpose, cost and trade-offs. The aim is protection that makes sense today and continues to serve tomorrow.
Little Bird Financial · Tampa Bay
Protect what you’ve built. Prepare for what’s next.
Clear, personal guidance for life insurance, legacy planning and the financial foundations that help your family move forward with confidence.
01Life insurance
02Protection planning
03Legacy strategy
About the practice
Protection should feel personal—not transactional.
Little Bird Financial was founded on a simple conviction: sound financial protection begins with listening. Every family carries a different set of responsibilities, ambitions and concerns. Your plan should reflect them.
Andrew Michael Smith, known professionally as Dru Michael, brings a calm, plainspoken approach to life insurance and long-range financial strategy—helping clients understand their choices before making a commitment.
Andrew Michael Smith · Founder · NPN 22362563
Services
Advice shaped around real life.
Every recommendation begins with your priorities—not a product. We make the options understandable, then help you choose a path that fits your family, goals and budget.
02
Family protection
Build around income replacement, final expenses, debt and the people who rely on you—so an unexpected moment does not undo years of hard work.
03
Legacy planning
Connect protection with longer-term goals such as leaving a legacy, preserving options and creating a stronger financial foundation across generations.
04
Policy review
Revisit existing coverage as life changes. We help clarify what you have, identify potential gaps and discuss whether an adjustment deserves consideration.
Coverage calculator
Start with a clearer number.
Use these sliders for a preliminary estimate of the life insurance your household may want to consider. Then refine the picture in a personal review.
For educational purposes only. This simplified estimate is not financial, tax or legal advice and does not guarantee eligibility, pricing or coverage.
A stronger financial foundation can start with one honest conversation.
Tell Dru what you’re planning for. There’s no pressure—just a thoughtful first step.
Contact Dru Michaelandrewmichael.insurance@gmail.com