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Best Life Insurance Companies in Miami Beach

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2023
Laurels

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A&T Insurance Brokerage logo
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License Verified:

License: R036007

Florida Division of Insurance Agent and Agency Services

A&T Insurance Brokerage

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800 71st Street, Miami Beach, FL 33141
  • Health Insurance

Business Description

A&T Insurance Brokerage is an insurance agency that serves clients in and around Miami Beach. The company offers life, health, and disability insurance products for individuals and small groups. Its other insurance products include automobile, home, and business insurance. As an independent insurance company, A&T Insurance Brokerage has access to different insurance providers, including Progressive, Mercury Insurance, Blue Cross, and Gainsco. The firm's agents can communicate with clients who speak English, Spanish, French, and German.

License Verified:

License: R036007

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 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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All Star Capital Group, Inc. logo
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License Verified:

License: R002928

Florida Division of Insurance Agent and Agency Services

All Star Capital Group, Inc.

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14707 South Dixie Highway, Miami, FL 33157
  • Life Insurance
  • Long Term Care

Business Description

All Star Capital Group, Inc., is a local source of insurance solutions and financial planning services in Miami Beach. Life insurance is among the products the agency offers to its clients. It also handles supplemental policies, including fixed indexed annuities, disability, and health insurance plans. Moreover, the insurance professionals at All Star Capital Group are equipped to custom-design coverage and protection for their clients and their individual needs through their access to a wide range of carriers.

License Verified:

License: R002928

Florida Division of Insurance Agent and Agency Services

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
Alltrust Insurance Group logo
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License Verified:

License: L062915

Florida Division of Insurance Agent and Agency Services

Alltrust Insurance Group

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17038 Collins Avenue, Sunny Isles Beach, FL 33160
  • Life Insurance
  • Health Insurance

Business Description

Alltrust Insurance Group is an insurance agency that serves Miami Beach. It offers term life insurance policies, which provide financial security to beneficiaries in the event of an unexpected death by covering loss of income, college tuition, short-term debts, and mortgage loans. The agency also helps clients obtain insurance products for boats, commercial vehicles, and workers' compensation. Leonardo Cicare, the company president, founded the agency in 2000. It has expanded its client base in a span of 15 years.

License Verified:

License: L062915

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 (164)
Facebook
4.0 / 5 (13)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
American Hebrew Insurance logo

License Verified:

License: L102652

Florida Division of Insurance Agent and Agency Services

American Hebrew Insurance

151 North Nob Hill Road, Plantation, FL 33324
  • Life Insurance
  • Health Insurance

Business Description

American Hebrew Insurance’s agents handle the policy needs of Miami Beach residents. The firm provides life insurance solutions to protect clients and their families in difficult times. It also provides a range of products such as health and auto insurance policies. In addition, the agency offers real estate property coverage for single-family homes, multi-family dwellings, condos, and renters. Also available are commercial plans like business crime and vandalism coverage, professional liability, and business personal property. American Hebrew Insurance has a strong focus on helping its clients make educated decisions about protecting their assets.

License Verified:

License: L102652

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Digital New Age logo

License Verified:

License: L093757

Florida Division of Insurance Agent and Agency Services

Digital New Age

1881 West Flagler Street, Miami, FL 33135
  • Life Insurance
  • Health Insurance

Business Description

Digital New Age helps families in Miami Beach obtain suitable life or health insurance plans through its partnership with over 40 insurance carriers. Its agents work closely with clients to determine the coverage amounts that meet their requirements, considering factors such as lifestyle and savings. They also educate clients about the differences between term and whole life insurance. The partners of Digital New Age carry over 50 years of collective experience in annuities, auto insurance, and life insurance.

License Verified:

License: L093757

Florida Division of Insurance Agent and Agency Services

Docktor's Insurance logo
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License Verified:

License: L016811

Florida Division of Insurance Agent and Agency Services

Docktor's Insurance

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80 Southwest 8th Street, Miami, FL 33130
  • Health Insurance
  • Individual Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Docktor's Insurance is an independent agency offering life insurance policies to clients in Miami Beach. Its provided coverage includes universal, guaranteed level term, no medical exam, and accidental life insurance. It also offers health insurance coverage such as individual and family, student, travel, and dental. In business since 2005, Docktor's Insurance has carriers such as MetLife, Prudential, and American General. Founder Josh Docktor draws his insurance expertise from his background as a former stock broker and financial adviser for Morgan Stanley Dean Witter and MetLife.

License Verified:

License: L016811

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 (13)
Yelp
4.0 / 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
Florida Assurers logo
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License Verified:

License: L051411

Florida Division of Insurance Agent and Agency Services

Florida Assurers

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777 Arthur Godfrey Road, Miami Beach, FL 33140
  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

Founded in 1956, Florida Assurers is an independent insurance agency operating within the Miami Beach area. The agency offers a wide selection of personal and business insurance policies, ranging from universal and ordinary life insurance to flood and windstorm insurance. It also maintains various resources that clients can use to address their concerns, such as a panel of speakers composed of attorneys, accountants, and insurance agents. In addition, its insurance professionals pursue continuing education on insurance industry trends and regulations.

License Verified:

License: L051411

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 (77)
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
––
Garrel Financial & Insurance Services logo
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License Verified:

License: L091552

Florida Division of Insurance Agent and Agency Services

Garrel Financial & Insurance Services

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801 Brickell Avenue, Miami, FL 33131
  • Life Insurance
  • Long Term Care

Business Description

Garrel Financial & Insurance Services is a financial services firm that serves clients in Miami Beach. It offers whole, term, universal, survivorship, and variable universal life insurance policies that provide financial security to beneficiaries in the event of an untimely death. The firm also represents several companies, including New York Life and Advanced Planning Group. From 2014-2021, founder and principal Joseph Garrel, has qualified for the Million Dollar Round Table. He also works as a financial advisor for Eagle Strategies LLC.

License Verified:

License: L091552

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)
Yelp
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
Gold Medal Insurance logo
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License Verified:

License: P045800

Florida Division of Insurance Agent and Agency Services

Gold Medal Insurance

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12934 Southwest 120th Street, Miami, FL 33186
  • Life Insurance

Business Description

Serving Miami Beach, Gold Medal Insurance is an independent agency offering an array of insurance solutions to individuals, families, and businesses in the metro. It offers insurance products such as life insurance, health insurance, and home insurance. The company also has other insurance service options like business insurance, auto insurance, and recreational insurance. Gold Medal Insurance was established in 2015. It has a strong focus on customizing insurance coverages to meet the needs of its clientele.

License Verified:

License: P045800

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 (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
Grace Insurance logo

License Verified:

License: L092025

Florida Division of Insurance Agent and Agency Services

Grace Insurance

20922 South Dixie Highway, Miami, FL 33189
  • Life Insurance
  • Health Insurance

Business Description

Grace Insurance provides comprehensive personal and commercial insurance lines, including life insurance policies, to individuals and families in Miami Beach and nearby communities. Small-sized to mid-sized business owners can also turn to the agency for its workers' compensation plans that can include loss prevention and risk management services. In addition, Grace Insurance offers homeowners' insurance policies and has partnered with numerous insurance carriers, such as SafePoint Insurance, National Risk Solutions, Tapco, and Southern Fidelity Insured Portal.

License Verified:

License: L092025

Florida Division of Insurance Agent and Agency Services

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
Jimmy Burkhart logo
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License Verified:

License: L062196

Florida Division of Insurance Agent and Agency Services

Jimmy Burkhart

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10709 Southwest 104th Street, Miami, FL 33176
  • Life Insurance
  • Health Insurance

Business Description

Jimmy Burkhart is a State Farm insurance agent that serves clients in the Miami Beach community. He offers life insurance policies and options, such as term life, whole life, and universal life insurance. He can also assist clients with changing their policy and beneficiary in their existing life insurance coverage. Burkhart has been working for State Farm since 2001. His team of insurance agents holds over 100 years of combined experience in the industry, and they intend to help clients achieve their life insurance goals.

License Verified:

License: L062196

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)
Yelp
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
LG Insurance and Financial Services logo
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License Verified:

License: L085886

Florida Division of Insurance Agent and Agency Services

LG Insurance and Financial Services

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6801 Northwest 77th Avenue, Miami, FL 33166
  • Life Insurance

Business Description

LG Insurance and Financial Services is a family-owned business serving the Miami Beach metro and surrounding areas. It is a full-service independent insurance agency that provides life insurance coverages. The insurance professionals from the company also help clients acquire health, homeowners, auto, and commercial or business insurance plans. They work with different carriers in customizing insurance coverages. LG Insurance and Financial Services was established in 2005 by Leonard and Emily Garcia to help members of the community with their insurance needs.

License Verified:

License: L085886

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 (42)

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.
3.0
Responsiveness
Friendliness
––
Helpfulness
Detail
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MassMutual Miami logo
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License Verified:

License: L092693

Florida Division of Insurance Agent and Agency Services

MassMutual Miami

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1221 Brickell Avenue, Miami, FL 33131
  • Life Insurance
  • Long Term Care

Business Description

MassMutual Miami is an independent insurance agency that offers insurance and financial advisory services to organizations and individual clients in Miami Beach. The company was formed in 1999 in Coral Gables and is composed of insurance brokers and financial experts that are licensed to practice in both Florida and California. Its life insurance products include term life, permanent life, universal life, and variable universal life insurance policies. It also provides wealth management and retirement planning services.

License Verified:

License: L092693

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)
Google
5.0 / 5 (1)
Miami International Insurance Agency logo

License Verified:

License: A003477

Florida Division of Insurance Agent and Agency Services

Miami International Insurance Agency

2200 Southwest 16th Street, Miami, FL 33145
  • Life Insurance

Business Description

Miami International Insurance Agency delivers a wide range of personal and commercial insurance lines to clients in Miami Beach and the surrounding localities. The company assists individuals seeking the right life insurance plan based on their current circumstances and financial goals. The team also affiliates itself with multiple providers that can offer coverage options for term life and whole life insurance. Moreover, it offers individual dental insurance. The agency has been insuring individuals and businesses since 1983.

License Verified:

License: A003477

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 (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
Quintero & Partners logo

License Verified:

License: L097559

Florida Division of Insurance Agent and Agency Services

Quintero & Partners

3191 Coral Way, Miami, FL 33145
  • Life Insurance

Business Description

Quintero & Partners is an insurance and financial firm representing American Income Life. Serving Miami Beach clients, it offers term and whole life insurance products to help individuals protect their families. A terminal illness rider plan can also be added to the policy as an accelerated benefit. Its website is equipped with a service center where policyholders manage their accounts for different purposes such as bank draft authorization, beneficiary change, and downloading a series of forms. Moreover, the agency accommodates English-speaking and Spanish-speaking clients.

License Verified:

License: L097559

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
4.0 / 5 (1841)
Facebook
5.0 / 5 (43)

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
––
Risk Strategies logo

Risk Strategies

3350 South Dixie Highway, Miami, FL 33133
  • Life Insurance

Business Description

Risk Strategies is a company serving Miami Beach and surrounding communities. Since 1997, it has been offering term and whole life insurance solutions to businesses for disability, long-term care, and corporate and personal life. These serve as income protection, retirement planning, and customized employer-sponsored leadership and executive benefits programs. Its team also specializes in international liability, captive insurance, and surety bonds. The company works with clients in various industries including fine art, aviation, and law firm. Chairman Mike Christian holds ARM, CLU, and CPCU designations.

Rivero Insurance Group logo
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License Verified:

License: L007260

Florida Division of Insurance Agent and Agency Services

Rivero Insurance Group

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12360 Southwest 132nd Court, Miami, FL 33186
  • Life Insurance
  • Health Insurance

Business Description

Rivero Insurance Group is a family-owned and family-operated insurance and risk management firm that serves residential and commercial clients in Miami Beach and its surrounding areas. It offers a comprehensive range of insurance products, including life and health insurance, home and property insurance, and automobile coverage. The firm's owner, Edwin M. Rivero, has extensive experience in insurance underwriting for homes and businesses. This background has enabled him to provide intermediary services between insurance companies and his clients.

License Verified:

License: L007260

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 (23)
Facebook
5.0 / 5 (2)
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
Rodrigo Planter logo
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License Verified:

License: P163782

Florida Division of Insurance Agent and Agency Services

Rodrigo Planter

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2018 Northeast 164th Street, North Miami Beach, FL 33162
  • Life Insurance
  • Health Insurance
  • Individual Plans

Business Description

Rodrigo Planter is a State Farm insurance agent that operates in Miami Beach and its nearby communities. He and his team can assist clients in acquiring a variety of coverage plans, such as life, health, home, property, and business insurance. His selection of life insurance policies includes term, universal, and whole-life insurance. In addition, he can assist clients in changing their life insurance policy or its associated beneficiaries. Rodrigo can accommodate clients who speak Spanish, Portuguese, or English.

License Verified:

License: P163782

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 (23)
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
Skylake Insurance logo
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License Verified:

License: R007954

Florida Division of Insurance Agent and Agency Services

Skylake Insurance

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1810 Northeast Miami Gardens Drive, Miami, FL 33179
  • Life Insurance
  • Health Insurance

Business Description

Skylake Insurance is an independent company that delivers insurance solutions to families, individuals, and business owners in the Miami Beach area and the surrounding communities. In addition to life insurance, it helps clients acquire other personal and business plans, such as health, home, vehicle, workers' compensation, and commercial property insurance. The company works with multiple insurance companies in creating personalized coverages suited to clients' preferences and needs. Skylake Insurance has been providing insurance solutions since 1996.

License Verified:

License: R007954

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 (32)
Facebook
5.0 / 5 (7)
Yelp
3.5 / 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
Sora Global logo

License Verified:

License: L102737

Florida Division of Insurance Agent and Agency Services

Sora Global

2525 Ponce de Leon, Coral Gables, FL 33134
  • Health Insurance
  • Group Plans

Business Description

Sora Global is an insurance agency based in Coral Gables. It offers its insurance services to individuals and businesses in the Miami Beach area. The agency provides life insurance products that help clients' children go to college, pay off mortgages, and settle any remaining debt. It also handles private client coverage, which includes collectors insurance, domestic workers' compensation, private aviation insurance, personal excess liability, and luxury automotive insurance. Sora Global meets with every client to review and compare the available insurance options.

License Verified:

License: L102737

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 (8)
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

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.