Expertise.com

2024

Last updated:

Best Life Insurance Companies in Lakeland

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lakeland Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

4642Reviewed

2792Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
410 Ware Boulevard, Tampa, FL 33619
  • Life Insurance

Why choose this provider?

Renee Scott is an insurance agency that serves clients in Lakeland and nearby areas. It is a locally and family-owned agency. It offers comprehensive life insurance policies for clients who want to secure financial protection for their families in the future. Rene Scott has over 25 years of experience in the insurance industry and offers other insurance policies for auto, home, recreational vehicles, business, and flood. Clients may get quotations online and refer to the site for the customer service directory of the agency's partnered carriers.

License Verified:

License: A236718

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 (15)

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

Website
27251 Wesley Chapel Boulevard, Wesley Chapel, FL 33544
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Open Access Insurance is a national insurance agency that provides its services to clients in Lakeland. It specializes in Medicare health plans and is affiliated with established insurance companies to provide life and health insurance products. It has more than 35 years of experience, and it focuses on giving clients the plans that fit their needs. Its life insurance product will help cover expenses from funerals or burials and payout money to beneficiaries.

License Verified:

License: L105842

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)

Website
100 East Main Street, Lakeland, FL 33801
  • Life Insurance

Why choose this provider?

Established in 1922, Heacock Insurance is an independent agency that has an office in Lakeland. It is a fifth-generation family-owned business that compares the rates of local and national carriers, such as Nationwide and Westfield Insurance. Its agents educate first-time clients and concerned policyholders about term-life and whole-life contracts. It can also recommend additional coverages like death benefits, final expenses, and disability plans. The agency offers 24/7 quotes for life insurance plans, as well as health and homeowners insurance.

License Verified:

License: L006796

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.
4.1
Google
4.0 / 5 (9)
Facebook
5.0 / 5 (5)
Yelp
1.0 / 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
––

Website
16415 West Colonial Drive, Oakland, FL 34787
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Abney Insurance Agency is a locally owned agency that has been providing life insurance products to clients in Lakeland for over 27 years. The company's dedicated agents bring more than 75 years of combined experience to working with clients in finding the insurance solution that meets their individual needs. It offers a wide range of individual, group, mortgage protection, long-term care, disability, and key person life insurance products from partner carriers such as AAA, Progressive, and Travelers. Abney Insurance Agency also offers home and business insurance.

License Verified:

License: W436881

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

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

Website
5503 War Admiral Drive, Wesley Chapel, FL 33544
  • Life Insurance
  • Health Insurance

Why choose this provider?

Whelan Insurance Group is a veteran-owned agency that serves Lakeland businesses and residents. It carries a variety of life insurance choices, including term, whole, universal, and juvenile life insurance. These life insurance policies provide coverage for cash value build-ups, death benefits, and living benefits in case of chronic illnesses. Whelan Insurance Group also offers accidental and final expense life plans. Ted Whelan, its owner and lead agent, writes policies for more than 100 insurance companies.

License Verified:

License: W026815

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)
Yelp
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

Website
3003 Florida Avenue South, Lakeland, FL 33803
  • Life Insurance
  • Health Insurance

Why choose this provider?

Better Place Insurance Group is a Lakeland-based insurance company. It offers a variety of life insurance policies that include term and permanent life insurance. The company aids individuals looking to provide financial support for their spouses, children, or relatives. Better Place Insurance also specializes in prescription drug plans, Medicare Advantage, and Medicare Supplements. As an independent insurance broker, it can also tailor insurance policies depending on the needs of its clients and give them options to choose from.

License Verified:

License: L111249

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.
4.1
Google
4.0 / 5 (61)
Facebook
4.5 / 5 (8)

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

Website
2211 Ashley Oaks Circle, Wesley Chapel, FL 33544
  • Life Insurance
  • Health Insurance

Why choose this provider?

Smart Health & Life Insurance Agency LLC is a life insurance company that services clients from Lakeland and nearby areas. The firm provides universal, whole, and term life insurance to prepare for the client's future. Medicare, dental, and health plans are also available. The business has been providing its services to the community since 2003. It is owned by Rob Hamilton, an insurance professional who is committed to serving senior citizens and providing them the best insurance options.

License Verified:

License: L089805

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
Facebook
4.0 / 5 (12)

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

Website
2929 Lakeland Highlands Road, Lakeland, FL 33803
  • Life Insurance

Why choose this provider?

A family-owned and operated business, Mitchell Insurance Agency has over 63 years of experience serving the insurance needs of Lakeland and surrounding areas. It offers a full range of life insurance products and annuities that provide individuals with financial security, retirement income stream, healthcare assistance, and interrupted income security. It has a broad network of insurance carriers, giving its clients flexible policy options with suitable coverages and premiums. The company also has insurance options that span auto, home, and business insurance lines.

License Verified:

License: R002581

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
Facebook
5.0 / 5 (63)
Google
4.0 / 5 (9)
Yelp
1.0 / 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

Website
414 North Alexander Street, Plant City, FL 33563
  • Life Insurance
  • Health Insurance

Why choose this provider?

Founded in 1977, Florida Insurance Center Inc. provides insurance solutions to families and businesses in Lakeland and the surrounding communities. The agency offers individual life insurance, fixed annuities, and group health plans. As an independent agency, it works with clients to find suitable coverage from a choice of various insurance providers. The business is a member of FAIA and Trusted Choice, and takes part in the local community through the Plant City Chamber of Commerce.

License Verified:

License: L075298

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
Facebook
4.0 / 5 (22)

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

Website
5115 South Lakeland Drive, Lakeland, FL 33813
  • Life Insurance

Why choose this provider?

Amerus Financial Group is a full-service insurance agency that has been serving families and businesses in the metro area of Lakeland for more than 20 years. The company specializes in employee benefits, annuities, health, and life insurance. It also provides individual and family, business, and senior solutions. Its team of agents thoroughly analyzes the customer's portfolio and makes tailored recommendations according to their needs. In addition, the business goal is to establish a long-lasting relationship with its clients.

License Verified:

License: L098106

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.
4.2
Google
4.0 / 5 (27)
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
––

Website
309 South Tennessee Avenue, Lakeland, FL 33801
  • Life Insurance
  • Individual Plans

Why choose this provider?

Sale Insurance Agency, Inc., is an independent insurance agency that has served clients in Lakeland for over 65 years. It can examine life insurance policies from over 20 national and regional carriers, like Lloyd's and Zurich. The agency can also modify each plan to cover individuals, families, and business owners. This includes excluding coverages or adding death benefits. Its founders are the husband-and-wife team of Robert and Britanny Sale, who also provide insurance plans for homeowners and automobiles.

License Verified:

License: L065428

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 (2)
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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
––

Website
229 North Florida Avenue, Lakeland, FL 33801
  • Life Insurance
  • Health Insurance

Why choose this provider?

Fields Insurance & Financial Group is an independent insurance agency providing life insurance products to clients in Lakeland and surrounding areas in Central Florida. With over 40 years of combined experience among the team, the company is capable of handling a wide range of life insurance and retirement services. The company's agents also offer assistance with final expenses coverage such as wealth transfer, estate planning, income protection, and employee or business benefits. Fields Insurance & Financial Group is also available for auto and homeowners' insurance.

License Verified:

License: R001247

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.
4.4
Google
4.0 / 5 (7)
Facebook
5.0 / 5 (3)
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

Website
1463 Oakfield Drive, Brandon, FL 33511
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Good Faith Insurance Services is a Brandon-based insurance agency that has served most of the Lakeland area. It offers term life insurance and whole life or permanent insurance to its clients. Additionally, it provides homeowners insurance, auto insurance, commercial insurance, healthcare insurance, and Medicare plans that can be customized for people over the age of 65. The agency distributes insurance products through its affiliations with carrier companies like Progressive, Optimum HealthCare Inc., UnitedHealthcare, and Windhaven Insurance.

License Verified:

License: L088850

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.
4.1
Facebook
4.0 / 5 (25)
Google
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

Website
16209 Fishhawk Boulevard, Lithia, FL 33547
  • Life Insurance
  • Health Insurance

Why choose this provider?

Melissa Snively leads a team of insurance professionals and serves Lakeland and its surrounding places. A State Farm insurance agent, Melissa educates her clients about different insurance products, such as life, property, home, and health insurance. She helps individuals and families obtain appropriate coverages for life insurance policies, which include death benefits and cash values that build over time. A 1993 graduate, Melissa has been in the insurance industry for over 25 years. Additionally, she is a BSA Scouts volunteer.

License Verified:

License: L096913

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.
3.9
Facebook
4.0 / 5 (49)
Yelp
3.0 / 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

Website
1112 North John Young Parkway, Kissimmee, FL 34741
  • Life Insurance
  • Health Insurance

Why choose this provider?

Insurance Pro is a life insurance agency that caters to families, business owners, and other clients in Lakeland. It educates first-time policyholders on each plan's coverage, from final expenses to business transfers. It also has an online calculator to help clients estimate annual payments for term-life or whole-life policies. The agency has been active for over a decade and caters to Spanish-speaking customers. It was awarded the 2020 Top Producer Award by multiple health insurance companies, including Ambetter Health and Foresters Financial.

License Verified:

License: L089305

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 (9)

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
––

Website
38283 US Hwy 27, Davenport, FL 33837
  • Health Insurance
  • Long Term Care

Why choose this provider?

Discovery Insurance Agency is an independent local company catering to residents of Lakeland and surrounding areas. The firm offers life insurance plans with options that fit different policyholders' needs. To protect the clients and their dependents, the agents use a comprehensive needs analysis method to determine the coverage required. It also provides home, auto, business, and health insurance. Before establishing Discovery Insurance Agency, co-owner David Murchison was a commercial underwriter who transitioned into working as an agent for two years at State Farm.

License Verified:

License: L088450

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.
4.1
Facebook
4.0 / 5 (33)
Google
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

Website
2025 E Edgewood Dr, Lakeland, FL 33803
  • Life Insurance

Why choose this provider?

Family Insurance Centers has operated in Lakeland and the surrounding area for more than 30 years, serving the insurance needs of its residents and local businesses. It is an independent insurance firm that carries life insurance plans like term life and whole life insurance. Moreover, it provides commercial insurance packages for business clients like workers’ compensation, homeowners’ association, professional liability, beauty salon business, garage liability, and inland marine insurance. Furthermore, it offers auto, boat, RV, motorcycle, and landlord insurance.

License Verified:

License: R015075

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 (16)

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

Website
38511 5th Avenue, Zephyrhills, FL 33542
  • Life Insurance

Why choose this provider?

Lee Reed Insurance is a locally owned company that has been delivering life insurance solutions in Lakeland and the surrounding areas since 1946. It gives universal, term, and whole life protection options for individuals and their families. In addition, auto, home, valuable possessions, commercial, and Medicare supplement insurance options are available. Given its 75 years of experience in the business, Lee Reed Insurance can better provide personalized and old-fashioned type of service supported by the values of respect and kindness for every client.

License Verified:

License: L100833

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 (219)
Facebook
4.0 / 5 (74)
Yelp
3.0 / 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

Website
1617 East Gary Road, Lakeland, FL 33801
  • Life Insurance

Why choose this provider?

Williams Hess Insurance is an independent insurance agency that has been serving individuals and businesses in Lakeland and its neighboring areas for over 50 years. The company writes term and whole life insurance policies and handles other products, including auto, home, rental, and recreational vehicle insurance. Moreover, it assists businesses by providing policy protection for commercial assets and workers' compensation. The agency has also partnered with numerous carriers, like Safeco and Progressive, to have access to various insurance coverages.

License Verified:

License: A028697

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.
3.2
Google
3.0 / 5 (9)
Yelp
5.0 / 5 (1)

FAQs

  • When is the best time to purchase life insurance in Lakeland?

    The sooner an individual from Lakeland purchases life insurance, the better because life insurance premiums are usually lower for the young and healthy. Purchasing a policy at a younger age comes with the advantage of locking in a lower rate for the duration of the policy. This can save the policyholder money in the long run.

  • Which life insurance policy works best for Lakeland residents with large loans or debts?

    Residents of Lakeland who have significant loans or debts can purchase term life insurance policies that can be customized to align with the timeframe of their financial responsibilities. For example, someone carrying a 20-year mortgage can secure a term life policy spanning the same 20-year duration. This ensures that the insurance coverage remains effective for the entirety of the financial obligation's term.

  • What are the key advantages of choosing term life insurance over whole life insurance for residents of Lakeland?

    Lakeland residents, especially those with a tight budget, benefit more from term life insurance policies because they typically offer lower premiums compared to whole life insurance. These policies also offer flexible coverage durations, allowing policyholders to align their plans with their specific financial needs. On the other hand, whole-life insurance policies are expensive, which can leave individuals underinsured.

  • Can Lakeland residents convert their term life insurance policies to whole or universal life insurance?

    Lakeland term life insurance policyholders can convert their policies into whole life insurance, provided such a conversion aligns with their specific objectives and requirements. A whole-life policy offers a guaranteed death benefit that remains in effect throughout the insured individual's lifetime. It also includes a cash value component that grows tax-deferred, allowing policyholders to tap into or borrow against it to address their financial needs.

  • Who needs life insurance in Lakeland?

    Life insurance is an essential financial tool for Lakeland residents with financial dependents. The funds from a life insurance policy can serve various purposes. Beneficiaries of life insurance policies can allocate the proceeds towards covering end-of-life costs, lost income, or outstanding mortgages or debts. Life insurance benefits can also be used to finance a child's education.

  • 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.

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