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2024

Last updated:

Best Life Insurance Companies in Miami Gardens, FL

Our Recommended Top 9

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 Miami Gardens 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.

5013Reviewed

3011Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8200 Northwest 27th Street, Doral, FL 33122
WebsiteLicense: R023888

Expertise.com Rating

Why choose this provider?

M & A Insurance & Financial Services, Inc., is an insurance company that assists individuals and businesses from all over the Miami Gardens metro. Since 1984, it has offered life insurance packages including term life and whole life insurance policy to its clients. Additionally, it offers health, dental, auto, and homeowners insurance through its partnerships with carrier companies, such as Florida Blue, Oxford, and Pacific Life. Its team of agents assists clients in choosing policies that fit their needs.

  • Life Insurance

5875 Northwest 163rd Street, Miami Lakes, FL 33014
WebsiteLicense: L007845

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Review Sources

Google
4.0 (45)

Why choose this provider?

NSI Insurance Group is an independent insurance company that serves clients in the Miami Gardens area. It offers an array of life insurance plans to help customers secure their financial obligations to their families and loved ones. It also provides risk protection packages for valuable possessions, homes, and long-term care. The company was founded in 1958. It has received the Best Practices Agency award by Independent Insurance Agents and Brokers of America for three consecutive years.

  • Life Insurance

15927 Biscayne Boulevard, Aventura, FL 33160
WebsiteLicense: R027782

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (1)

Why choose this provider?

Ma-Cuervo Insurance Group is an Aventura-based company that has been serving Miami Gardens for more than 30 years. It delivers different types of products that include life and health insurance with options such as term, permanent, and universal policies. The company also helps its clients prepare for unexpected life events through analysis and planning, helping them choose the correct insurance plan for their needs. In addition, Ma-Cuervo Insurance Group’s agents align their recommendations based on the best available plans.

  • Life Insurance
  • Health Insurance

5901 Northwest 183rd Street, Miami, FL 33015
WebsiteLicense: L107855

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

Highline Insurance Inc. is a full-service and independent insurance firm that offers insurance solutions to individuals, families, business owners in Miami Gardens and its neighboring communities. It is staffed by Spanish-speaking agents who partner with various insurance carriers to provide its clients with a personalized insurance package. The agents educate clients about life insurance policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses.

  • Life Insurance
  • Health Insurance

7850 Northwest 146th Street, Miami Lakes, FL 33016
WebsiteLicense: R008217

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Shirley Licia Saul is a life insurance agent providing services to clients in Miami Gardens. She gives clients an option to choose several life insurance policies, including term, whole, and universal. She also caters to clients needing auto, home, business, property, and health insurance products to help with their finances and family protection. In addition, Saul is a graduate of business administration and is a member of the Panama Canal Society and the Delta Delta Delta Sorority.

  • Life Insurance
  • Health Insurance

9600 Southwest 8th Street, Miami, FL 33174
WebsiteLicense: L086511

Expertise.com Rating

Review Sources

Google
4.0 (62)
Facebook
5.0 (8)
Yelp
3.0 (3)

Why choose this provider?

JVS Insurance Agency is a family-owned provider serving clients in Miami Gardens and its surrounding areas. Some of its offerings include life, health, home, and specialty insurance. It also handles boat and RV insurance. Its team consists of agents with respective specialties and 100 years of combined experience in the field. The agency, which has been assisting clients with their concerns for over 25 years, is a member of the Latin American Association of Insurance Agencies.

  • Life Insurance
  • Health Insurance

1100 Northeast 163rd Street, North Miami Beach, FL 33162
WebsiteLicense: P104322

Expertise.com Rating

Why choose this provider?

Volcy Financial Services has been providing insurance solutions and financial advisory services since 2007. It works with clients based in Miami Gardens and nearby cities, specializing in life, health, auto, and home insurance. In addition, its team also offers assistance with taxes and investments such as annuities. As an independent agency, Volcy Financial Services has access to a network of companies, allowing its clients to receive insurance and financial products specifically tailored to their needs.

  • Life Insurance

2576 West 84th Street, Hialeah, FL 33016
WebsiteLicense: L108172

Expertise.com Rating

Why choose this provider?

Jay Martinez is an insurance agent affiliated with State Farm. He is based in Hialeah and he works with clients in the local area and surrounding communities, including Miami Gardens. Jay can assist clients in acquiring life, homeowners', condo owners', automobile, and pet insurance options. He can also help clients choose a life insurance policy suited for their needs, such as universal or whole life insurance. Additionally, he offers Medicare supplement plans. Jay can accommodate clients who speak English or Spanish.

  • Life Insurance
  • Health Insurance

6801 Northwest 77th Avenue, Miami, FL 33166
WebsiteLicense: L085886

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (2)

Why choose this provider?

Founded in 2005, family-owned LG Insurance and Financial Services has been helping residents of Miami Gardens and other nearby areas acquire various insurance products. It works with established insurance companies to provide life insurance coverage for individuals, families, and businesses. In addition, the company also offers policies for medical expenses and medications. For commercial establishments, tradespeople, and artisans, it provides a wide range of packages that include business vehicles, property, and employee health insurance.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
M & A Insurance & Financial Services, Inc.
8200 Northwest 27th Street, Doral, FL 33122
NSI Insurance Group
5875 Northwest 163rd Street, Miami Lakes, FL 33014
Ma-Cuervo Insurance Group
15927 Biscayne Boulevard, Aventura, FL 33160
HighLine Insurance Inc
5901 Northwest 183rd Street, Miami, FL 33015
Shirley Licia Saul
7850 Northwest 146th Street, Miami Lakes, FL 33016
JVS Insurance Agency
9600 Southwest 8th Street, Miami, FL 33174
Volcy Financial Services
1100 Northeast 163rd Street, North Miami Beach, FL 33162
Jay Martinez
2576 West 84th Street, Hialeah, FL 33016
LG Insurance and Financial Services
6801 Northwest 77th Avenue, Miami, FL 33166

FAQs

  • What happens to unclaimed life insurance benefits in Miami Gardens?

    Unclaimed life insurance benefits in Miami Gardens, upon the policyholder's demise, are reclaimed in two ways. First, insurance companies are obligated to perform comprehensive internal searches and return the funds directly to beneficiaries per regulatory settlements. Alternatively, if beneficiaries cannot be located, these unclaimed benefits are forwarded to Florida's Department of Financial Services' Bureau of Unclaimed Property. Families can initiate a search for these funds under their loved one's name at https://www.fltreasurehunt.gov/ to facilitate the collection of unclaimed property.

  • Do single people in Miami Gardens have to get life insurance?

    Single people in Miami Gardens are not required to obtain life insurance, especially if they do not have children. However, it is recommended that individuals obtain one if they have student loans, a mortgage, or co-signed debts, and if they want to cover end-of-life expenses and leave a legacy. Single people should consider purchasing life insurance if they have non-biological financial dependents or business partners.

  • Is a medical exam required to be qualified for life insurance in Miami Gardens?

    A medical exam may be required in Miami Gardens to qualify for life insurance. However, term or whole life insurance policies may still be able to provide life insurance without requiring a medical exam. Age, way of life, desired level of coverage, and medical history are just a few of the factors that influence the cost of no medical exam life insurance.

  • Can life insurance companies in Miami Gardens reject claims?

    Yes, the insurance company in Miami Gardens has the right to deny the claim if the policyholder dies during the contestability or two-year term. The contestability period for life insurance in Florida is two years from the beginning of the policy's active period. Within this time frame, insurance companies conduct investigations to ensure that the applicant for life insurance coverage provides accurate information.

  • Are innocent mistakes on an insurance application in Miami Gardens grounds for denial of the death benefit?

    Even if people in Miami Gardens who apply for life insurance make an error, the insurance company may still be required to pay the death benefit. This is due to Florida Law, F.S. 627.409, which states that some insurance forms ask applicants about their true knowledge and beliefs — a state standard that prohibits insurance companies from canceling policies due to unintentional misrepresentations.

  • 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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