Expertise.com

2024

Last updated:

Best Life Insurance Companies in Florida

Our Recommended Top 13

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 Florida 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.

971832Reviewed

583104Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Florida
  • Life Insurance

Why choose this provider?

Ensure Financial Group, LLC, is a business-to-consumer insurance agency that serves individuals, families, and small businesses in Florida and the surrounding areas. It offers different types of individual insurance plans, such as guaranteed issue, whole, term, and child life insurance. It also provides group life insurance for business owners. The company's related products are final expense plans, annuities, burial trusts, and pre-need arrangements. Ensure Financial Group works with senior care centers, guardians, and funeral homes.

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 (39)
Facebook
5.0 / 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
Florida
  • Life Insurance

Why choose this provider?

Magnuson Insurance provides risk management solutions for individuals, families, and businesses in Florida. It offers final expense, term, and universal life insurance policies to maintain coverage when policyholders change employers and pay off mortgages in the event they pass away too soon. In addition, the agency provides insurance products for renters, homeowners, and business owners. Being an independent agency allows Magnuson Insurance to compare rates and terms from various carriers, including AIG, Prudential, and Lincoln Financial Group.

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 (49)
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

Website
Florida

Why choose this provider?

Better Place Insurance Group is a Florida-based company that offers term and permanent life insurance to designated beneficiaries. Its primary goal is to provide the best insurance coverage to dependents in the event of an unexpected death, such as financial loss protection, income security, subsidized retirement planning, and a cash benefit. This full-service insurance company also covers multiple insurance plan options for health and Medicare. The brokerage currently has two office locations throughout the state.

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 (656)
Facebook
5.0 / 5 (58)

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
Florida
  • Term Life Insurance
  • Life Insurance

Why choose this provider?

Alex Insurance is an independent agency that caters to Florida residents. Since 2006, its team has been providing risk management solutions to protect families and individuals from financial losses due to unexpected events. The company creates customized life insurance to cover policyholders' funeral expenses, estate taxes, and college and retirement savings. It also furnishes long-term care, homeowners', auto, and health insurance. Alex Insurance works with various carriers, such as Bristol West, Humana, TransAmerica, and Progressive.

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.
4.7
Google
4.6 / 5 (45)
Facebook
4.9 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Florida
  • Life Insurance

Why choose this provider?

New York Life South Florida assists clients in identifying which financial schemes and insurance products will be able to help meet their objectives. It provides life insurance policies to customers across Florida, including whole, term, universal, variable universal, and survivorship. The company also offers annuity options, such as fixed deferred, variable deferred, and lifetime income. New York Life has been around for over 170 years. The managing partner of the South Florida general office, Gerard A. Rocchi, served as the COO for the New York Life Agency Department.

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.
4.7
Facebook
4.6 / 5 (43)
Google
4.8 / 5 (36)

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
Florida
  • Health Insurance
  • Life Insurance

Why choose this provider?

Client Care Insurance is a family-owned independent agency that serves residential and commercial clients in Florida. It offers indexed universal life insurance plans that provide growth potential with death benefit protection and premium flexibility. It also provides term life insurance and final expense insurance policies. Other risk management options include umbrella, home, flood, health, and dental plans. Client Care Insurance was established in 2007 with a focus on Medicare before expanding its portfolio in 2013 with the release of ACA.

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
4.8 / 5 (70)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Florida
  • Life Insurance
  • Health Insurance

Why choose this provider?

Regency Insurance Group caters to residents across Florida. Its team helps individuals purchase life insurance policies that match their coverage needs, whether they're seeking mortgage protection or business security. Its agents also advocate for clients during the claims process by dealing with their specific insurance carriers. In addition, they assist those in need of general liability, workers' compensation, personal umbrella, and flood insurance products. Regency Insurance Group gives back to the community by supporting Laces of Love and Pace Center for Girls.

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
4.8 / 5 (1017)
Yelp
2.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Florida
  • Health Insurance
  • Life Insurance

Why choose this provider?

West Florida Insurance is an independent agency based in Sarasota that serves Florida residents by providing a wide gamut of insurance products from multiple providers, covering life, health, and properties. It carries different life insurance options: term, universal, and whole. Its life insurance products provide financial growth with its investment-linked policies and keep beneficiaries and families financially secured by covering medical bills, funeral and burial fees, mortgages, and debts in the event of the client's passing.

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.
4.7
Facebook
5.0 / 5 (50)
Google
4.0 / 5 (23)
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
Florida
  • Health Insurance
  • Life Insurance

Why choose this provider?

Garland Insurance is a locally owned and operated company that has been serving individuals, families, and businesses in Florida for over 34 years. It offers health, home, auto, business, and life insurance policies. It also provides annuity options for clients who want investment opportunities. Its team of agents is available 24/7 to answer customers' questions and help them make the best choices suited to them. As an independent agency, Garland Insurance works with over 50 carriers, including Assurant, Genworth, Humana, Cigna, and AARP.

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
4.7 / 5 (191)
Facebook
4.9 / 5 (82)

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
Florida
  • Life Insurance

Why choose this provider?

Poppell Insurance Inc. addresses its clients' personal and commercial protection needs. Its agents offer individual life insurance options, such as term and whole-life policies. They also arrange group life insurance products for employers as part of their companies' benefit packages. In addition, prospective clients may select from a variety of long-term care, disability, vision, and dental plans available. Poppell Insurance is a full-service, independent agency founded and initially named Harrell & Poppell Insurance in Florida in 1964.

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
4.6 / 5 (58)
Facebook
4.6 / 5 (10)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Florida
  • Life Insurance

Why choose this provider?

One & Only Insurance Agency offers a variety of life plans to clients based in Florida. The agency has products that provide financial compensation for family members in case of a breadwinner's accidental death. Indexed universal, whole, and term-life coverage are available. Its property protection options also cover automobiles, rental properties, and homes. The company offers policies from a variety of established carriers, like Safeco Insurance, National General, and the Bristol West Insurance Group.

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.
4.7
Google
4.6 / 5 (36)
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
Florida
  • Health Insurance
  • Life Insurance

Why choose this provider?

Wells Insurance is an independent agency that provides a wide variety of personal and commercial lines insurance products to clients in Florida. Its team provides life insurance packages that cover income replacement, funeral and burial expenses, estate tax settlement, and charitable contribution provision. The company offers three types of life insurance policies: whole, variable, and universal life. In addition, Wells Insurance offers workers' compensation, general liability, boat and watercraft, restaurant, and commercial auto insurance 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
Facebook
4.2 / 5 (10)
Google
4.7 / 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
Florida
  • Life Insurance

Why choose this provider?

Amerus Financial Group is an insurance agency that has been providing life insurance policies to individuals and families in Florida for 20 years. It offers term policies for those who want coverage for a specific period and whole and universal life policies for those who want lifelong coverage. It also offers Medicare Supplement and Advantage and Senior Life policies. The company has a team of experienced brokers who will work with clients to determine the best insurance coverage suited for their financial needs.

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
4.9 / 5 (28)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • 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.

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