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Best Life Insurance Companies in Clearwater

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2023
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Arlo Henderson logo
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License Verified:

License: W263641

Florida Division of Insurance Agent and Agency Services

Arlo Henderson

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11588 Fountainhead Drive, Tampa, FL 33626
  • Life Insurance
  • Health Insurance

Business Description

State Farm insurance agent Arlo Henderson provides various insurance solutions to clients in Clearwater and the surrounding communities. His insurance offerings include life insurance coverage, health insurance, and home insurance. Additionally, he offers auto, property, and business insurance options. Arlo has been in the banking and financial services industry for more than 20 years. He has previously worked as a life coach and a freelance author. He is also a Freemason and serves on the board of Autism Shifts.

License Verified:

License: W263641

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (43)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Blackwell Insurance logo
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License Verified:

License: L076253

Florida Division of Insurance Agent and Agency Services

Blackwell Insurance

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10014 Grove Drive, Port Richey, FL 34668
  • Life Insurance

Business Description

Blackwell Insurance is an independent insurance agency that serves Clearwater and the surrounding communities. It offers life insurance products that help clients take care of future obligations such as family expenses, mortgages, and other miscellaneous debts. The company also offers various personal insurance products, including auto, home, flood, and boat insurance. Additionally, commercial clients looking to get coverages such as property insurance, general liability, workers' compensation, and commercial auto insurance can also consult with the company for personalized plans.

License Verified:

License: L076253

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brightway, The Saltzman Agency logo
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License Verified:

License: W314995

Florida Division of Insurance Agent and Agency Services

Brightway, The Saltzman Agency

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13909 North Dale Mabry Highway, Tampa, FL 33618
  • Life Insurance

Business Description

Brightway, The Saltzman Agency provides a wide variety of insurance products, including life insurance to residents in Clearwater and nearby communities. As an independent agency, it represents numerous insurance carriers rather than any single provider. Its team of experienced insurance agents delivers term and whole life insurance policies designed to meet their client's needs while considering their age, mortgage, and lifestyle considerations. Brightway, The Saltzman Agency also offers property, vehicle, and business insurance options. The agency's owner, Rich Saltzman, carries 25 years of industry expertise.

License Verified:

License: W314995

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.8 / 5 (9)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Bruners Insurance of East Lake Inc. logo
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License Verified:

License: L088113

Florida Division of Insurance Agent and Agency Services

Bruners Insurance of East Lake Inc.

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8777 North 56th Street, Temple Terrace, FL 33617
  • Life Insurance

Business Description

Bruners Insurance of Eastlake, Inc., is an independent agency that provides insurance services to residents and businesses in Clearwater and the surrounding communities. It handles various life insurance plans, like term and permanent life insurance, through its partnership with multiple companies. Additionally, it offers business insurance packages, like workers’ compensation, general liability, and commercial auto insurance. Janette D. Foley is the agency’s owner. She established the firm in 2009 and has been working as an agent since 1998.

License Verified:

License: L088113

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (60)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Business Insurance Center logo
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License Verified:

License: L051300

Florida Division of Insurance Agent and Agency Services

Business Insurance Center

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325 North Belcher Road, Clearwater, FL 33765
  • Life Insurance
  • Health Insurance

Business Description

Business Insurance Center is a team of insurance brokers and consultants in Clearwater that provides tailored insurance solutions for clients in the area. Some of its life policies include individual term and whole life, group life, long-term care, and disability insurance. The firm is led by its president, Robert T. Newsome, Jr., who started his career in personal and business insurance in 1993. He handles a team of 10 personnel that sources, analyzes, and underwrites life insurance products.

License Verified:

License: L051300

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Dance Ferrentino logo
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License Verified:

License: L057374

Florida Division of Insurance Agent and Agency Services

Dance Ferrentino

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11049 Countryway Boulevard, Tampa, FL 33626
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Dance Ferrentino Insurance and Financial, Inc. is an independent agency that offers customized services in Clearwater and its surrounding cities. It provides various personal insurances such as life, condo, umbrella, and teen drivers. It also assists commercial clients with property, workers' compensation, restaurant, and employment practices liability insurance. The agency is affiliated with The Junior League of Tampa. Its owners have 57 years of combined experience as insurance professionals. Dance Ferrentino has been operating for over 10 years.

License Verified:

License: L057374

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (100)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dieguez Insurance logo
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License Verified:

License: L048101

Florida Division of Insurance Agent and Agency Services

Dieguez Insurance

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7904 Land O' Lakes Boulevard, Land O' Lakes, FL 34638
  • Life Insurance
  • Health Insurance

Business Description

Dieguez Insurance is an independent insurance company serving English-speaking and Spanish-speaking clients in Clearwater and the surrounding areas for over 25 years. It specializes in life insurance options that come in permanent, whole, term, and variable categories. The company also provides options for auto, boats, motor homes, renters, and flood damage. It works closely with different businesses to provide insurance options for general liability, workers' compensation, and surety bonds. Dieguez Insurance represents several insurance carriers, including National Flood Services, Foremost, Heritage Insurance, and United Healthcare.

License Verified:

License: L048101

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (12)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Family Benefit Services logo
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Family Benefit Services

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5644 Main Street, New Port Richey, FL 34652
  • Life Insurance
  • Health Insurance

Business Description

Family Benefit Services handles the life insurance concerns of individuals and families in Clearwater and the nearby communities. The business operates six days a week to accommodate clients searching for whole life insurance programs. A mobile quote calculator is available on the company's website and an online needs analysis tool intended to cover a family's cash flow, mortgage protection, life protection, and burial expenses. Family Benefit Services is committed to providing services with dignity and equality.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Florida West Insurance, Inc. logo
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License Verified:

License: R000463

Florida Division of Insurance Agent and Agency Services

Florida West Insurance, Inc.

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12749 West Hillsborough Avenue, Tampa, FL 33635
  • Life Insurance

Business Description

Florida West Insurance, Inc. serves the Clearwater area with a wide range of insurance plans including life insurance. Individuals may choose from term life, universal life, or whole life policies. The company also offers coverage services involving homes, automobiles, businesses, and flood events. Virginia Rigo, a former IFA insurance agent, has been the head of Florida West Insurance, Inc. since 1999. She holds a Florida Property & Casualty Insurance License and has work background on managerial positions with various companies.

License Verified:

License: R000463

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (11)
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Focus Wealth Strategies, LLC logo
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License Verified:

License: A152710

Florida Division of Insurance Agent and Agency Services

Focus Wealth Strategies, LLC

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1812 Manatee Avenue West, Bradenton, FL 34205
  • Life Insurance

Business Description

Focus Wealth Strategies is an independent insurance agency serving clients in Clearwater and its surrounding areas. The firm offers term, universal, variable, and whole life insurance policies based on the comprehensive needs of each client. In addition to life insurance, the company also deals with disability and short and long-term care insurance plans. Mike Lehman, the CEO of Focus Wealth Strategies, is a Certified Financial Planner who is also an LPL Financial Advisor with an MBA.

License Verified:

License: A152710

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
iInsure logo
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License Verified:

License: W188079

Florida Division of Insurance Agent and Agency Services

iInsure

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13220 McCormick Drive, Tampa, FL 33626
  • Life Insurance

Business Description

iInsure is a locally owned and locally operated insurance company serving individuals and business owners in Clearwater. As an independent agency, it works with several life insurance carriers that allow its clients to choose the insurance policy that protects what is most important to them. Other insurance products offered include auto, home, and business insurance plans. For clients with an existing policy, the company's agents are equipped to check the current coverage and recommend ways to close it, if needed.

License Verified:

License: W188079

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lewis Insurance Group, LLC logo
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License Verified:

License: L105340

Florida Division of Insurance Agent and Agency Services

Lewis Insurance Group, LLC

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17896 U.S. 41, Lutz, FL 33549
  • Life Insurance

Business Description

Lewis Insurance Group, LLC, is a locally owned insurance company serving clients in the Clearwater area. The business has been catering to individuals, families, and businesses for over 19 years, providing policies designed to meet the client's and the company's standards. Such insurance policies include term, permanent, and group life insurance, in addition to home and auto coverage. It also offers general liability and workers' compensation coverage for its commercial clients. Furthermore, Lewis Insurance Group works with 37 insurance companies.

License Verified:

License: L105340

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Peter Markos Insurance logo
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License Verified:

License: A165184

Florida Division of Insurance Agent and Agency Services

Peter Markos Insurance

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1454 Main Street, Dunedin, FL 34698
  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

For over 23 years, Peter Markos Insurance has been helping the residents of Clearwater and other nearby communities with their insurance needs. It helps clients pick the best insurance coverage policy that fits their budget, lifestyle, and personal goals. The agency offers personal insurance policies which include life, auto, home, flood, and specialty insurance. In addition, it also assists small businesses to acquire both liability and property insurance that can cover suspended operations, lawsuits, or property damage.

License Verified:

License: A165184

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (9)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Roney Insurance logo
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License Verified:

License: L088541

Florida Division of Insurance Agent and Agency Services

Roney Insurance

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13920 North Dale Mabry Highway Suite 3, Tampa, FL 33618
  • Life Insurance
  • Health Insurance

Business Description

Roney Insurance presents whole, term, and universal life insurance plans in Clearwater. It helps families prepare for unexpected events by providing different protection packages that can shoulder debts, medical bills, and funeral expenses. Home, auto, and business insurance policies are also available. Roney Insurance has a team of agents with more than 25 years of combined experience in the field. It aims to deliver a straightforward analysis of the market and its risks to ensure every client can form sound decisions.

License Verified:

License: L088541

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Routt Insurance logo
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License Verified:

License: A227151

Florida Division of Insurance Agent and Agency Services

Routt Insurance

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3455 Countryside Boulevard 29, Clearwater, FL 33761
  • Health Insurance

Business Description

Routt Insurance has been serving the insurance needs of Clearwater for over 29 years. It helps individuals and families find life insurance policies that include term life insurance, final expense, annuities. Its agents compare various providers and yield policies that are in line with each client's unique needs and goals. The company has a collection of final expense plans and procures customized programs for its clients. It also provides insurance products and services along the lines of Medicare Supplement, individual and group health insurance, and long-term care.

License Verified:

License: A227151

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Simmons Insurance logo
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License Verified:

License: L029379

Florida Division of Insurance Agent and Agency Services

Simmons Insurance

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1465 South Fort Harrison Avenue, Clearwater, FL 33756
  • Life Insurance

Business Description

Simmons Insurance, Inc. is a life insurance agency serving clients from Clearwater and its surrounding areas. The company provides a wide range of life insurance options such as term, whole, and universal. There are also other insurance policies available for homes, condominiums, floods, and vehicles. This independent firm has been providing its services to the community for more than 65 years. It is led by Terry S. Simmons, who has been in the insurance sector since 1972.

License Verified:

License: L029379

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.8 / 5 (54)
Facebook
4.0 / 5 (20)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Steven Papola logo

License Verified:

License: W411144

Florida Division of Insurance Agent and Agency Services

Steven Papola

PO Box 5896, Hudson, FL 34674
  • Life Insurance

Business Description

Steven Papola is the agency principal of Centurion Insurance and Financial Services who caters to clients in the Clearwater metro. Included in his line of products are term and permanent life insurance policies which can help with business succession, college planning, family protection, financial planning, and long-term care. Furthermore, he also provides auto, commercial, flood, home, and recreational insurance plans. Steven previously worked in the New York City Police Department prior to shifting to the insurance industry.

License Verified:

License: W411144

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Strategic Insurance Services logo
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License Verified:

License: L007935

Florida Division of Insurance Agent and Agency Services

Strategic Insurance Services

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2727 Ulmerton Road, Clearwater, FL 33762
  • Life Insurance

Business Description

Strategic Insurance Services is an independent insurance brokerage that serves residents and businesses in Clearwater and the surrounding areas. It offers a range of risk management solutions, including life insurance, which can pay federal and estate taxes and create an inheritance for heirs. Its team of professionals also provides extensive coverage for businesses, including cyber liability. Its principal advisor, Douglas Levi, was included in the Top 40 Under 40 by Tampa Bay Business Journal in 2016.

License Verified:

License: L007935

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (271)
Facebook
5.0 / 5 (91)
Yelp
4.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tampa Bay Insurance logo

License Verified:

License: R000542

Florida Division of Insurance Agent and Agency Services

Tampa Bay Insurance

2402 Merchant Avenue, Odessa, FL 33556
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance
  • Health Insurance

Business Description

Tampa Bay Insurance serves the Clearwater metro. It is an independent agency that provides an array of insurance solutions to individuals, families, and businesses. Life insurance products such as term life insurance, whole life insurance, and group life insurance are offered by the company. It also has personal insurance options like homeowners insurance, automobile insurance, motorcycle insurance, auto warranty insurance, and personal article floater insurance, and umbrella insurance. Tampa Bay Insurance is a locally owned business that was established in 2001.

License Verified:

License: R000542

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Fessler Agency, Inc. logo

License Verified:

License: L054658

Florida Division of Insurance Agent and Agency Services

The Fessler Agency, Inc.

3165 McMullen Booth Road, Clearwater, FL 33761
  • Life Insurance

Business Description

The Fessler Agency, Inc. is an independent insurance agency that has served clients in Clearwater since 1984. It can shop and research life insurance policies from over 15 different carriers, such as Lighthouse and Olympus Insurance. The agency can teach new policyholders about term-life and permanent life benefits, including death benefits and cash value growth. Its account managers can also review existing contracts and update the policy to add new beneficiaries. Founder Jack Fessler has been in the insurance industry for over 35 years.

License Verified:

License: L054658

Florida Division of Insurance Agent and Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (14)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.