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2024

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Best Life Insurance Companies in Palm Coast, FL

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Palm Coast 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.

3897Reviewed

2345Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

110 Cumberland Park Drive, St. Augustine, FL 32095
WebsiteLicense: L074745

Expertise.com Rating

Why choose this provider?

Palm Valley Insurance, Inc., is a team of insurance agents that provides its services to clients in Palm Coast and the surrounding communities. The agency offers a wide variety of insurance products, such as life, commercial, flood, home, umbrella, and motorcycle insurance. Its life insurance policies include term, whole life, and universal insurance. The agents at the company also help in selecting the insurance package a client needs. Moreover, they are knowledgeable about insurance laws and agreements.

  • Life Insurance

120 North Woodland Boulevard, DeLand, FL 32720
WebsiteLicense: L016878

Expertise.com Rating

Why choose this provider?

Insurance Land, Inc., is an independently owned insurance agency that has been operating since 1984. It offers a variety of life insurance programs, such as key employee life insurance, individual or family insurance, and the final expense, term, universal, or whole life insurance. Moreover, the agents provide clients in Palm Coast with insurance policies that match their needs and goals. They also handle other coverage types, including homeowners, contractors, auto, private school, and commercial insurances.

  • Life Insurance
  • Health Insurance
  • Long Term Care

13453 North Main Street, Palm Coast, FL 32218
WebsiteLicense: L097252

Expertise.com Rating

Review Sources

Facebook
5.0 (50)

Why choose this provider?

Stephanie Lempesis is an insurance agent who serves clients in Palm Coast and the surrounding areas. She provides life insurance options such as term life, whole life, and universal life. In addition, she offers other insurance services that include home, auto, business, health, and property, and assists clients with banking and annuities. Stephanie Lempesis is a second-generation agent born into a State Farm family and now leads a team of agents through Stephanie Lempesis Insurance Agency Inc.

  • Life Insurance
  • Health Insurance

800 Belle Terre Parkway, Palm Coast, FL 32164
WebsiteLicense: L007506

Expertise.com Rating

Review Sources

Google
4.0 (179)

Why choose this provider?

Angel Hall is an insurance agent representing State Farm in Palm Coast and its surrounding communities. She aids residents with life insurance policies, particularly term life, whole life, and universal life. She also specializes in other insurance policies, ranging from auto, home, property, business, and health. She can help as well with banking management, mutual funds, and annuities. Angel has been in the insurance industry for 17 years and has worked with State Farm since 2004.

  • Life Insurance
  • Health Insurance

1339 West Granada Boulevard, Ormond Beach, FL 32174

Expertise.com Rating

Review Sources

Google
5.0 (161)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

First Florida Insurance Ormond Beach is an insurance agency that has served the insurance needs of individuals and families in Palm Coast for more than a decade. The independent insurance firm carries insurance plans including life insurance and auto insurance, hurricane insurance, and flood insurance. Additionally, its team of agents can provide complimentary custom home insurance proposals to interested clients. The firm's agents have a combined experience of more than 25 years.

  • Life Insurance

2384 Sadler Road, Palm Coast, FL 32034
WebsiteLicense: L037516

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Amelia Insurance Agency is an independent agency in Palm Coast. It works with several insurance companies to help clients find the appropriate products and services based on their needs. Its agents, who have a combined professional experience of over 50 years, offer term life and life insurance policies as well as auto, home, business, health, and recreational insurance. The family-owned agency has been providing its services from its Fernandina Beach location for 60 years.

  • Life Insurance
  • Health Insurance

298 South Nova Road, Ormond Beach, FL 32174
WebsiteLicense: L080319

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
5.0 (3)

Why choose this provider?

Capital Partners Insurance is a full-service general lines agency serving personal and commercial clients in Palm Coast. It offers insurance products that include annuities, dental & vision, disability, and individual life insurance. Its business insurance policies include flood, bonds, workers' compensation, and group life & health insurance. The company has been in business for 22 years. All its agents are locals and long-time residents of the area. They work with a sense of community and understanding of its culture.

  • Life Insurance
  • Health Insurance
  • Individual Plans

1010 Ocean Shore Boulevard, Ormond Beach, FL 32176
WebsiteLicense: L001259

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

McClain Insurance Agency is a family-owned and operated insurance company that provides life and other insurance plans to residents and businesses in Palm Coast and its surrounding areas. It offers different types of life insurance such as term, whole, universal, and final expense life insurance. McClain Insurance Agency is an independent agency that has been providing financial coverage since 1961. It includes homeowners insurance, general liability, commercial insurance, flood, and umbrella policies to its products.

  • Life Insurance

1439 U.S. 1, Ormond Beach, FL 32174
Website

Expertise.com Rating

Review Sources

Google
5.0 (547)

Why choose this provider?

The Johnson Group is an insurance brokerage firm that serves clients in Palm Coast and the surrounding areas. With a life insurance plan, the company assists individuals in protecting their beneficiaries from future financial burdens. Its agents offer different types of life insurance products from Globe Life Insurance, namely whole life, term life, and modified life policies. The team also offers health supplemental insurance, including accident, cancer, critical illness, and intensive care coverage. The company has been protecting individuals and families for over two decades.

  • Life Insurance
  • Health Insurance

4861 Palm Coast Parkway Northwest, Palm Coast, FL 32137
WebsiteLicense: R022138

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

Commercial Coverages, Inc. is a full-service agency that delivers a broad range of residential and commercial insurance products and solutions to clients in Palm Coast. These include term life, whole life, and group life insurance. The independent company also offers policy coverage for homeowners, automobiles, valuable properties, non-emergent medical situations, and boats. It extends its services to workers' compensation, general liability, excess liability, taxi, limousine, and Uber insurance. The company was founded in 1966 by Carole Shulins.

  • Life Insurance

4845 Belle Terre Parkway, Palm Coast, FL 32164
WebsiteLicense: R005224

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

East Coast Insurors, Inc., has been providing the risk management needs of clients in the Palm Coast area for over 40 years. It offers life and health insurance products, as well as Medicare plans. The other personal solutions it handles are homeowners', automobile, and watercraft insurance, as well as bonds coverage. The company also caters to commercial clients. Moreover, East Coast Insurors works with multiple insurance carriers to offer a wide range of comprehensive products that fit the needs of its clients.

  • Life Insurance
  • Health Insurance

774 State Road 13, Palm Coast, FL 32259
WebsiteLicense: L106981

Expertise.com Rating

Why choose this provider?

Durbin Creek Insurance is a local agency that delivers a broad range of insurance products and services to clients in Palm Coast using a counselor-based approach. It offers life, auto, and business insurance. The company also provides various types of policies to cover homes, including landlords, renters, and flood insurance. Durbin Creek Insurance currently represents over 18 companies. Founder Suzie Dubocq is a licensed, independent insurance agent. She strives to educate, guide, and help clients make an informed decision about their coverage.

  • Life Insurance

501 North State Street, Bunnell, FL 32110
WebsiteLicense: L009826

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
2.0 (3)

Why choose this provider?

Southern Insurance Associates Inc. is a family-operated agency that provides risk management solutions to individuals, families, and businesses in Palm Coast. It offers a wide range of insurance solutions, covering whole life, universal life, term life, and non-smoker protection policies. The company also provides group life and health insurance plans along with home and car policies. Southern Insurance Associates has been in operation since 1995. Its team of insurance professionals has more than 50 years of collective industry experience.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

12 Office Park Drive, Palm Coast, FL 32137
WebsiteLicense: R010813

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
3.0 (3)

Why choose this provider?

Flagler County Insurance Agency is a local agency that delivers a wide range of insurance products and solutions to individuals, families, and business owners in Palm Coast. It provides various personal and commercial policies, including life, dental and vision, pet, general and professional liability, workers' compensation, and payroll administration. The company also offers insurance coverage for recreational vehicles such as motorcycles, boats, RVs, Jet Skis, and golf carts. Flagler County Insurance Agency has been serving clients since 1917.

  • Life Insurance

5182 North Oceanshore Boulevard, Palm Coast, FL 32137
WebsiteLicense: L106158

Expertise.com Rating

Review Sources

Google
5.0 (72)
Facebook
5.0 (13)

Why choose this provider?

Integrity Insurance Group offers life insurance products to the residents of Palm Coast and the surrounding areas. The independent agency offers a wide selection of life insurance policies to choose from. It also carries related plans like health insurance, disability plans, long-term care insurance, and special insurance policies for seniors. In addition, the firm's agents work with businesses to provide employee life insurance and various benefits. The company is run by insurance and business professionals who possess more than 100 years of combined experience.

  • Life Insurance

3200 East Moody Boulevard, Bunnell, FL 32110
WebsiteLicense: L017786

Expertise.com Rating

Review Sources

Google
4.0 (20)

Why choose this provider?

Hayward Brown Flagler Inc. is a locally-owned and operated insurance agency near Palm Coast that offers life insurance plans to individuals and businesses. It has access to a vast network of reputable insurance carriers that offer personalized insurance plans to fit the needs of every client. The most common life policies the agency assists with are individual and group life, long-term care, disability, and key person insurance. Additionally, the agency also assists with mortgage protection and second-to-die policies.

  • Life Insurance
  • Health Insurance
  • Long Term Care

50 Leanni Way, Palm Coast, FL 32137
WebsiteLicense: R001138

Expertise.com Rating

Review Sources

Google
5.0 (37)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Koch Insurance Agency, Inc. is an independent insurance brokerage in Palm Coast, FL that provides customized insurance solutions to clients in the metro. The firm is owned and managed by Jim and LeighAnn Koch who are licensed insurance advisors that specialize in educational insurance plans. Its life insurance products include term life, whole life, variable life, and universal life insurance products. These products help policyholders pay for significant life expenses such as educational payments, debts, and mortgage payments.

  • Life Insurance
  • Health Insurance

17221 Camelot Court, Palm Coast, FL 34638
WebsiteLicense: 002907

Expertise.com Rating

Review Sources

Facebook
4.0 (26)

Why choose this provider?

The Welch Group Insurance is an independent agency that was established in 2004 in Palm Coast. It offers individual life insurance that ensures that the future of its clients' families is protected. Its agents provide advice on what type of policy to get and the amount of premium to pay for. The Welch Group Insurance shops from multiple insurance companies to give its customers the power of choice. Also, available from the firm are homeowners', auto, high net worth, and travel insurance.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Palm Valley Insurance, Inc.
110 Cumberland Park Drive, St. Augustine, FL 32095
Insurance Land
120 North Woodland Boulevard, DeLand, FL 32720
Stephanie Lempesis
13453 North Main Street, Palm Coast, FL 32218
Angel Hall
800 Belle Terre Parkway, Palm Coast, FL 32164
First Florida Insurance Ormond Beach
1339 West Granada Boulevard, Ormond Beach, FL 32174
Amelia Insurance Agency
2384 Sadler Road, Palm Coast, FL 32034
Capital Partners Insurance
298 South Nova Road, Ormond Beach, FL 32174
McClain Insurance Agency
1010 Ocean Shore Boulevard, Ormond Beach, FL 32176
The Johnson Group
1439 U.S. 1, Ormond Beach, FL 32174
Commercial Coverages, Inc.
4861 Palm Coast Parkway Northwest, Palm Coast, FL 32137
East Coast Insurors Inc.
4845 Belle Terre Parkway, Palm Coast, FL 32164
Durbin Creek Insurance
774 State Road 13, Palm Coast, FL 32259
Southern Insurance Associates Inc.
501 North State Street, Bunnell, FL 32110
Flagler County Insurance Agency
12 Office Park Drive, Palm Coast, FL 32137
Integrity Insurance Group
5182 North Oceanshore Boulevard, Palm Coast, FL 32137
Hayward Brown Flagler Inc.
3200 East Moody Boulevard, Bunnell, FL 32110
Koch Insurance Agency, Inc.
50 Leanni Way, Palm Coast, FL 32137
The Welch Group Insurance
17221 Camelot Court, Palm Coast, FL 34638

FAQs

  • Can life insurance agencies in Palm Coast legally increase premiums after years of having the same cost?

    If the policy in Palm Coast has a flexible premium, then it is legal. This type of coverage is often known as a universal life insurance policy. Insurance premiums for this plan rise steadily alongside the policyholder's age, and if interest rates are low, the policy accumulation value may not keep up with the annual cost. This is when adjustments to the annual premiums are made.

  • How does material misrepresentation affect a Palm Coast individual's life insurance claim?

    An insurer in Palm Coast would often evaluate the policyholder's initial application in-depth after receiving a life insurance claim to look for any potential mistakes or omissions that might be construed as material misrepresentation. A material misrepresentation is when someone intentionally hides or lies about a fact during the application process, which would have made a big difference to the contract if the truth was known. This may result in a claim denial, though a beneficiary will typically still have options.

  • If a life insurance policy in Palm Coast is lost, missing, or stolen, what alternatives do the beneficiaries have?

    If a beneficiary cannot locate their loved one's life insurance policy in Palm Coast, they may contact the decedent's financial advisors, previous employers, the policyholder's insurance company, and the Florida Department of Financial Services. Additionally, beneficiaries can use the policy-locating service offered by MIB Group, Inc. This is a nonprofit member-owned company with around 500 member insurance firms in the US and Canada. A lawyer can also help beneficiaries locate a decedent's life insurance policy.

  • Which government agency in Palm Coast regulates life insurance companies?

    Insurance agencies in Palm Coast and the rest of the state are overseen by the Florida Office of Insurance Regulation. The primary objective of this government agency is to foster a competitive insurance market, all while ensuring adequate safeguards are in place to protect consumers who purchase insurance. Additionally, the agency offers consumers an Active Company Search tool that they can use to look up full names, company addresses, and other identifying details for businesses operating in Florida.

  • How does one file a complaint against a life insurance agency in Palm Coast?

    You may opt to submit a complaint with the state against your Palm Coast insurer if you have had trouble getting in touch with them after filing a life insurance claim, have seen an unusually long delay in claim payment, or received a lowball offer of settlement. To file a complaint, call the Insurance Consumer Helpline at 1-877-MY-FL-CFO (693-5236) or visit their website. Please have the following information ready:

    • Insurance company's full name.
    • Policy number.
    • Claim number (if applicable).
    • Consent to act on the insured's behalf, if necessary.
    • A comprehensive explanation of the matter.
  • 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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