Expertise.com

2024

Last updated:

Best Life Insurance Companies in Miami

Our Recommended Top 17

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 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.

18315Reviewed

10995Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3399 NW 72nd Ave Ste 215, Miami, FL 33122

Why choose this provider?

Comfort Insurance & Finances is a health insurance company in Miami that provides services for individuals and families throughout the area. Its coverage specialists help clients find a policy that covers medical expenses for themselves and their families. The agency also assists people on disability and ages 65 and older with Medicare supplemental plans. Comfort Insurance & Finances work with several trusted insurers, including BlueCross BlueShield, ambetter, Cigna, Molina Healthcare, and Humana. Services are available in English and Spanish.

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 (21)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Miami, FL
  • Life Insurance

Why choose this provider?

MALM Life & Health Insurance Agency serves clients in Miami and surrounding areas. It utilizes the 3-D Process where it assists individuals and their families define their goals and needs, discover various insurance plans and benefits, and decide on suitable life insurance options such as term and permanent life. The independent company provides coverages for final expenses along with health and dental insurance. MALM Life & Health Insurance Agency also extends its services to small businesses.

License Verified:

License: P063965

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 (20)
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
3701 SW 87th Ave, Miami, FL 33165

Why choose this provider?

Insurance Nation is a full-service agency founded in 1998, with offices in 12 locations throughout the counties of Miami-Dade, Broward, and Palm Beach. Its licensed agents analyze the needs of each client and provide a comprehensive report on the coverage they need from their life and health insurance policies. The agents scour the policies offered by a wide range of carriers to find the best one. They also help clients renew or revise existing insurance policies.

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
4.3 / 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
12750 Southwest 128th Street, Miami, FL 33186
  • Life Insurance

Why choose this provider?

Prestige Insurance Group is a full-service insurance company based in Miami that helps individuals and families protect their loved ones with a life insurance policy. The independent insurance agency assists clients in shopping for the right life coverage that best suits their needs and lifestyle. Its insurance agents represent multiple carriers that deliver term life and permanent life insurance plans. The team also offers health, auto, home, and commercial insurance. The company was founded by a local insurance specialist in 2008.

License Verified:

License: L057894

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.
4.7
Facebook
5.0 / 5 (15)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
95 Merrick Way, Coral Gables, FL 33134
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Life Quote is an independent life insurance broker servicing residents in Miami. For personal clients, it provides guidance in choosing between term life insurance or permanent life insurance. It also offers comprehensive life insurance for seniors through its Guaranteed Universal Life policy. Life Quote also offers specialized life insurance for business owners through the key-man life insurance. It can also provide No-Exam term life insurance policies. The company's website has insurance needs and comparison calculators for its clients.

License Verified:

License: R033869

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

Why choose this provider?

Miami International Insurance Agency offers a variety of insurance services to businesses and individuals in the Miami metro and its surrounding areas. The agency offers policies for life, automobile, flood, motorcycle, dental, and renters' insurance. The company has served hundreds of customers, providing them different options to choose from. Miami International Insurance Agency partners with a wide portfolio of carriers such as Normandy Insurance Company, Ascendant Insurance Solutions, Southern Fidelity, and United Automobile Insurance Company.

License Verified:

License: R002969

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 (17)

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
9600 NW 25th St Ste 3E, Doral, FL 33172

Why choose this provider?

AllStar Insurance is an independent firm of experienced underwriters that represent the majority of insurance carriers operating in South Florida, enabling the firm to source the best policies from a long list of options. Life and health insurance are two of its core products. The polices range from Term Life and Individual Health Insurance to products that cover disability and long-term health care. Life insurance policies can cover everything from paying debts to funeral costs.

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

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
3191 Coral Way 7th floor, Miami, FL 33145
  • Life Insurance

Why choose this provider?

Quintero & Partners provides financial and insurance services to individuals, families, and business owners in the Miami metro. Its 160 staff members help clients acquire life insurance plans. They create personalized plans to protect policyholders from monetary losses in case of sudden death and other debts. The independently owned company also works with American Income Life. Founded in 2016, Quintero & Partners has served over 10,000 customers. It has been featured on NBC, CBS, and Fox News.

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
4.9 / 5 (1804)
Facebook
4.7 / 5 (77)
Yelp
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
17425 Southwest 97th Avenue, Palmetto Bay, FL 33157
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Mendez M Insurance Agency is a team of risk management specialists that serves the Miami area. They offer a number of protection solutions, including life, home, flood, auto, and business insurance. With the help of their partner carriers such as Progressive, Nationwide, and Liberty Mutual, they are able to review and select suitable coverages from a wide range of options. Mendez M Insurance Agency's team has a collective industry experience of more than six decades.

License Verified:

License: E026733

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 (110)
Facebook
4.0 / 5 (40)
Yelp
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
13200 Southwest 128th Street, Miami, FL 33186
  • Life Insurance
  • Health Insurance

Why choose this provider?

Miami-based AM Insurance Services has been providing a wide range of health insurance options to families, individuals, and businesses since 1988. The insurance brokerage is led by Claudine Nelson. The company works with Florida's leading carriers in the marketplace, including MetLife, Mutual of Omaha, National General Insurance, and Molina Healthcare. Its life insurances are available in term life and whole life options. AM Insurance Services also provide insurances covering individual health, group health, dental, health savings accounts, and disability.

License Verified:

License: L024645

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
Google
4.0 / 5 (45)
Facebook
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
19300 W Dixie Hwy Unit 7, Aventura, FL 33180

Why choose this provider?

Founded in 1993, Just Insurance Brokers is a family-owned and operated company serving the Miami metro area. Its agents receive regular training, are licensed, and communicate fluently in English and Spanish. The brokerage helps individuals determine the right amount of coverage then finds the most competitive policy from a wide range of insurance carriers. Polices cover the full spectrum of needs, from paying for funerals and college fees to paying off mortgages and generating retirement income.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7500 NW 25th St Ste 256, Miami, FL 33122

Why choose this provider?

ABS Insurance Consultants is a locally owned independent life insurance agency in Miami. Its agents work with groups and individuals to calculate coverage for a wide range of insurance products, including life and health insurance. Its health policies can cover the costs of surgery, hospital stays, and other medical needs, including the loss of key personnel for business owners. Life insurance products range from covering funeral expenses to providing an income during retirement.

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
PO Box 166544, Miami, FL 33116

Why choose this provider?

G Insurance Group is an independent insurance agency that works for its clients to find the best health and life insurance products on the market. Its agents aim to simplify the process of determining the right amount of coverage and finding budget-friendly premiums. It can arrange a wide choice of policies, such as short-term health plans and Prepaid Health Clinic insurance, and whole life and final expenses policies.

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 (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
12039 SW 132nd Ct Unit 3, Miami, FL 33186

Why choose this provider?

Amco Insurance serves Miami's metro area from four local offices. It serves individuals, their families, and businesses, offering a range of insurance products with comprehensive coverage. Its life insurance policies come in two variations. Its term fife policies are suitable for individuals looking for short-term solutions with terms between 10 and 30 years, while its whole life policies provide a means for clients to generate an income during their retirement.

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

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6530 Coral Way, Miami, FL 33155

Why choose this provider?

First Solution Insurance is a full-service independent health insurance company in Miami, serving individuals and businesses in the surrounding counties since 2011. Its personal life insurance services can cover specific periods and are suitable for clients focused on specific events, such as starting a business or paying off a mortgage. There's also an array of long-term policies, which can provide additional income during the policyholder's retirement. First Solution Insurance also serves homeowners, renters, and business owners.

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
Facebook
4.4 / 5 (7)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18400 SW 97th Ave, Cutler Bay, FL 33157

Why choose this provider?

Choice One Insurance is a full-service independent insurance agency that tailors plans for individuals. It specializes in several types of insurance, including life and health. It works with clients to determine their needs and level of coverage, then sources the best policies from the insurance companies it represents. Typical health policies are either HMO or PPO, each providing a comprehensive list of services. Life policies can cover a wide range of needs, from paying off debts to generating retirement income.

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

Website
8765 South Dixie Highway, Miami, FL 33143
  • Medicare Insurance
  • Medicare Advantage Plans
  • Medicare Supplements

Why choose this provider?

Amiro Gnecco - Agent of Health and Life is a certified and licensed insurance agent serving individuals in the Miami metro area. Mr. Gnecco is a fluent Spanish and English speaker who specializes in finding the best health and life insurance products on the market. He has particular experience helping clients find Medicare insurance that suits their circumstances and budgets. The agent also specialties in arranging HMO and PPO life insurance plans.

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

FAQs

  • What is the minimum age to purchase life insurance in Miami?

    In Miami, anyone who is at least 15 years old can buy life insurance, either for themselves or for someone else in whom they have an insurable interest. Despite being a minor, individuals under the age of 18 have the same legal rights and responsibilities concerning the insurance contract as an adult.

  • Can you get life insurance without taking a medical exam in Miami?

    Yes, you can get life insurance in Miami without having to go through a medical exam. Some policies provide no-exam coverage to make the life insurance purchasing process easier. Instead of having to wait several weeks for coverage, these policies allow you to get it in a matter of days, and in some cases, hours, after submitting your application. It is important to note, however, that not all policy types automatically guarantee coverage eligibility.

  • Can you secretly buy life insurance for someone else in Miami?

    No, you cannot buy life insurance for someone in Miami in secret. This is because the person being insured must consent to the insurance company collecting data such as their medical history by signing the application. As part of the application process, they may be required to undergo a medical examination.

  • What types of deaths are not covered by life insurance in Miami?

    If you die in Miami as a result of a high-risk hobby or a hazardous job, your insurance company may withhold benefits based on the terms of your policy. While most life insurance policies include suicide coverage, there is usually a waiting period from the time the policy is purchased. Furthermore, if your beneficiary is found to be responsible for your murder or has a close relationship to it, the insurance company may refuse to pay the death benefit.

  • Can you buy life insurance with pre-existing health conditions in Miami?

    Yes, you can buy life insurance in Miami if you have pre-existing medical conditions. Pre-existing medical conditions do not necessarily preclude you from obtaining life insurance. However, applying for insurance as soon as possible is generally recommended because obtaining a policy before your pre-existing condition worsens can result in lower premium costs.

  • 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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