Expertise.com

Best Life Insurance Companies in Palm Bay

2023

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Website
2350 Minton Road, West Melbourne, FL 32904
  • Life Insurance

Why choose this provider?

Atlantic Coast Insurance is a Melbourne-based insurance company that caters to residents of Palm Bay. It employs a team of insurance agents with over 30 years of combined experience, serving both first-time and long-time policyholders. The company offers term-life and whole-life policies that range from $50,000 to $1 million in coverage. It can also provide final expenses to cover funerals, hospital bills, and income replacement. Atlantic Coast Insurance has served over 20,000 clients and worked with carriers like Progressive, Safeco, and Florida Peninsula.

License Verified:

License: L095856

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
Google
4.7 / 5 (44)

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
134 5th Avenue, Indialantic, FL 32903
  • Life Insurance
  • Health Insurance

Why choose this provider?

Robinson Insurance is an insurance agency serving Palm Bay. It offers various insurance lines such as life, health, home, and automobile insurance. Its life insurance products include whole, universal, level term, and disability insurance as well as group life and qualified retirement plans. Robinson Insurance has been owned and operated by the Robinson family for more than 55 years. Fred Robinson, the president, leads a staff with over 150 years of combined experience in the insurance industry.

License Verified:

License: L057139

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 (85)
Facebook
4.8 / 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
3425 Bayside Lakes Boulevard Southeast, Palm Bay, FL 32909
  • Life Insurance

Why choose this provider?

Kasey Osman is an insurance agent who works with Allstate and serves clients in Palm Bay. He offers comprehensive life insurance policies to help clients secure their families' financial security. His policies cover college tuition fees, mortgage payments, and final expenses once the policyholders pass away. In addition, Osman provides risk protection plans for homes, renters, and businesses. The agent has been with Allstate since 2014. He is heavily involved with local organizations, such as the Space Coast Chapter of the Coastal Conservation Association.

License Verified:

License: W190873

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 (25)
Google
3.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1900 South Harbor City Boulevard, Melbourne, FL 32901
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Insurance Group of Florida is an independent insurance agency that serves individuals, families, and businesses in the Palm Bay metro. It helps clients prepare financial protection for their dependents by offering term and whole life insurance policies. Moreover, it offers auto, commercial, home, recreational vehicle, and umbrella insurance products. Some of the insurance carriers it works with are Chubb Limited, MetLife, and Safeco Insurance. Insurance Group of Florida focuses on customer service by providing personalized advice and insurance solutions.

License Verified:

License: L109182

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 (54)
Facebook
5.0 / 5 (13)

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
1580 North Harbor City Boulevard, Melbourne, FL 32935
  • Life Insurance

Why choose this provider?

Since 2014, Better Insurance Group has been serving the residents of Palm Bay and the neighboring areas. The independent agency works with multiple carriers to provide different life coverage plans to its clients and assists them in evaluating these life insurance options. Its team of professionals has a combined experience of 50 years, which aids its customers in finding policies that fit their budgets and needs. Better Insurance Group also offers auto and motorcycle, home, business, and umbrella insurance.

License Verified:

License: L000800

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 (39)

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
1627 U.S. 1, Sebastian, FL 32958
  • Life Insurance
  • Health Insurance

Why choose this provider?

National Insurance Services of North America is a Florida-based insurance company serving clients in Palm Bay and nearby communities. The firm specializes in life insurance, assisting individuals and families in choosing the right policies for their medical needs. As an independent insurance agency, its agents shop for varying insurance options among multiple providers. Its life insurance products include term life, final expense life, and high-risk life insurance. The company also offers health insurance and Medicare benefits. It caters to beneficiaries aged 0 to 85.

License Verified:

License: L029731

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
474 North Harbor City Boulevard, Melbourne, FL 32935
  • Life Insurance

Why choose this provider?

Kim Osman Insurance Group is an insurance agency that serves clients in Palm Bay. It offers life insurance coverage from several insurance carriers, such as Chubb, Hagerty, and Nationwide, to ensure that beneficiaries have financial security in the event of an untimely death. The agency also covers insurance products for automobiles, recreational vehicles, renters, and homeowners. Owner Kim Osman started her career in insurance in 1988 as a producer and manager for Eddie Watson Insurance. She established Kim Osman Insurance Group in 2004.

License Verified:

License: L008843

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 (151)
Facebook
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6050 Babcock Street Southeast, Palm Bay, FL 32909
  • Life Insurance
  • Health Insurance

Why choose this provider?

With over 25 years of expertise, Advanced Insurance Net caters to residential and commercial customers in Palm Bay and the surrounding areas. Christopher Roth and Amy Langston provide life and health insurance policies. They also assist individuals looking for insurance plans for homeowners and renters, flood and hurricane, auto, boats, and recreational vehicles. Their team of professionals is dedicated to providing clients a safety net for their families and assets.

License Verified:

License: 016158

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 (14)

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
2815 West New Haven Avenue, West Melbourne, FL 32904
  • Life Insurance
  • Health Insurance

Why choose this provider?

Dan Odom is a State Farm insurance agent serving families and businesses in Palm Bay. Odom works with a team of professionals to help clients make the most of their life, auto, home, and property insurance policies. They assist clients in preparing for unexpected incidents that may impact their finances. This team is also knowledgeable about term, whole, and universal life insurance and can guide customers in selecting the plan that addresses their needs. Dan Odom also serves Spanish-speaking individuals.

License Verified:

License: A194929

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.
4.6
Google
4.3 / 5 (17)
Facebook
5.0 / 5 (14)
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
277 Malabar Road, Palm Bay, FL 32907
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Sarpoolaki Insurance Center is a family-owned and family-operated independent insurance agency that has been serving individuals, families, and businesses in Palm Bay for more than 30 years. It offers term life insurance and permanent life insurance plans. It also provides fee-for-service health insurance, managed care health insurance, automotive insurance, and homeowners' insurance. In addition, it carries general liability life insurance, which covers bodily injury, property damage, and contractual liability. Sarpoolaki Insurance Center also provides workers' compensation insurance.

License Verified:

License: L091690

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 (135)
Facebook
5.0 / 5 (30)

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
1900 Palm Bay Road Northeast, Palm Bay, FL 32905
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Access One Insurance helps individuals and families in Palm Bay by handling their insurance needs. Its team of insurance agents specializes in life insurance products that provide financial security for clients and their dependents. It also has various health insurance services, including Medicare, dental, vision, and group plans. In addition, Access One Insurance assists individuals who prefer having emergency insurance services to cover the expenses of unexpected medical and hospital bills if accidents or critical illnesses occur.

License Verified:

License: L086795

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 (29)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
452 North Harbor City Boulevard, Melbourne, FL 32935
  • Life Insurance

Why choose this provider?

All Brevard Insurance is an independent agency that offers protection and insurance coverage for its clients’ personal, recreational, and commercial needs. It serves clients in the Palm Bay metro and its surrounding areas. The company offers homeowners’ insurance, auto insurance, personal umbrella insurance, and life insurance products. Other products include business interruption insurance, workers’ compensation insurance, commercial auto insurance, general liability insurance, and additional coverage for existing plans. All Brevard Insurance hosts agents who can answer queries in English and Spanish.

License Verified:

License: L035562

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.
4.3
Google
4.3 / 5 (27)

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
2240 North Wickham Road, Melbourne, FL 32935
  • Life Insurance
  • Health Insurance

Why choose this provider?

Eric Ponce is a State Farm insurance agent servicing Palm Bay and the surrounding communities. Since 1990, he has been providing term, whole, and universal life insurance coverage options to individuals and their families. These policies are also available for small businesses, which can contribute to business continuation, key employees, employee benefits, and key employee incentives. Moreover, Ponce specializes in business, home, auto, and health insurance. His services are available in English, Spanish, and American Sign Language.

License Verified:

License: A209309

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 (166)
Facebook
5.0 / 5 (14)

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
990 U.S. 1, Sebastian, FL 32958
  • Life Insurance
  • Health Insurance

Why choose this provider?

KE Insurance Agency is an insurance brokerage that offers an array of risk management strategies to clients in Palm Bay. Its solutions include life insurance and retirement policies as well as coverage for homeowners and automobiles. Additionally, it provides health insurance options and business policies, including general liability, commercial property coverage, and workers' compensation. The company is family-owned and has been in the business since 1992. It serves families and businesses throughout Florida with four offices across the state.

License Verified:

License: 086479

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
Facebook
5.0 / 5 (4)
Google
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
6450 Anderson Way, Melbourne, FL 32940
  • Life Insurance

Why choose this provider?

Space Coast Insurance Agency, LLC, is an independent, multi-line insurance provider that serves clients in Palm Bay and its surrounding areas. Among other personal lines of insurance, the firm offers life insurance policies in both term and universal plans. As an independent agency, it sources its products from multiple carriers. Founded in 2005, the firm is a local Trusted Choice® Independent Florida Insurance Agency. Its personal lines account managers have extensive industry experience ranging from 20 to more than 40 years.

License Verified:

License: L002788

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 (81)

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
728 Lincoln Avenue, Melbourne, FL 32901
  • Life Insurance

Why choose this provider?

Alpine Insurance Agency, Inc., serves the Palm Bay metro and its surrounding communities with insurance products and services. It has over 34 years of experience helping clients protect themselves with life insurance coverages. Its team of agents assesses the needs of every client and finds the most suitable policies that match them. The company also handles insurance products that range from home and auto insurance to business and commercial lines. It specializes in hard-to-place insurance and procures tailored solutions for clients with difficult risks.

License Verified:

License: R001480

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.
4.5
Google
4.5 / 5 (44)

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
200 South Harbor City Boulevard, Melbourne, FL 32901
  • Health Insurance

Why choose this provider?

Christian Colby is an insurance agent serving clients in Palm Bay and the nearby areas. He currently works for the USHealth Group, an insurance company affiliated with UnitedHealthcare. Colby offers insurance coverage tailored to meet the clients' needs and financial situations, such as life, health, dental, and vision insurance. He also carries specified disease coverage, short-term medical plans, and accident plans. The coverages that he provides are underwritten by various companies like the Freedom Life Insurance Company of America.

License Verified:

License: W412132

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 (55)
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

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.