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Best Life Insurance Companies in Florida

Our Recommended Top 12

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Our goal is to connect people with the best local professionals. We scored Florida 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.

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12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.8 (1168)
Facebook
4.6 (129)
Yelp
2.4 (15)

Why choose this provider?

Regency Insurance Group caters to residents across Florida. Its team helps individuals purchase life insurance policies that match their coverage needs, whether they're seeking mortgage protection or business security. Its agents also advocate for clients during the claims process by dealing with their specific insurance carriers. In addition, they assist those in need of general liability, workers' compensation, personal umbrella, and flood insurance products. Regency Insurance Group gives back to the community by supporting Laces of Love and Pace Center for Girls.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (8)

Why choose this provider?

Ensure Financial Group, LLC, is a business-to-consumer insurance agency that serves individuals, families, and small businesses in Florida and the surrounding areas. It offers different types of individual insurance plans, such as guaranteed issue, whole, term, and child life insurance. It also provides group life insurance for business owners. The company's related products are final expense plans, annuities, burial trusts, and pre-need arrangements. Ensure Financial Group works with senior care centers, guardians, and funeral homes.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Facebook
4.4 (15)
Google
4.5 (14)
Yelp
5.0 (1)

Why choose this provider?

Wells Insurance is an independent agency that provides a wide variety of personal and commercial lines insurance products to clients in Florida. Its team provides life insurance packages that cover income replacement, funeral and burial expenses, estate tax settlement, and charitable contribution provision. The company offers three types of life insurance policies: whole, variable, and universal life. In addition, Wells Insurance offers workers' compensation, general liability, boat and watercraft, restaurant, and commercial auto insurance services.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
5.0 (1171)
Facebook
5.0 (58)

Why choose this provider?

Better Place Insurance Group is a Florida-based company that offers term and permanent life insurance to designated beneficiaries. Its primary goal is to provide the best insurance coverage to dependents in the event of an unexpected death, such as financial loss protection, income security, subsidized retirement planning, and a cash benefit. This full-service insurance company also covers multiple insurance plan options for health and Medicare. The brokerage currently has two office locations throughout the state.

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Facebook
5.0 (50)
Google
4.0 (23)
Yelp
5.0 (2)

Why choose this provider?

West Florida Insurance is an independent agency based in Sarasota that serves Florida residents by providing a wide gamut of insurance products from multiple providers, covering life, health, and properties. It carries different life insurance options: term, universal, and whole. Its life insurance products provide financial growth with its investment-linked policies and keep beneficiaries and families financially secured by covering medical bills, funeral and burial fees, mortgages, and debts in the event of the client's passing.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
5.0 (63)
Facebook
5.0 (12)

Why choose this provider?

Alex Insurance is an independent agency that caters to Florida residents. Since 2006, its team has been providing risk management solutions to protect families and individuals from financial losses due to unexpected events. The company creates customized life insurance to cover policyholders' funeral expenses, estate taxes, and college and retirement savings. It also furnishes long-term care, homeowners', auto, and health insurance. Alex Insurance works with various carriers, such as Bristol West, Humana, TransAmerica, and Progressive.

  • Term Life Insurance
  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.6 (36)
Facebook
5.0 (5)

Why choose this provider?

One & Only Insurance Agency offers a variety of life plans to clients based in Florida. The agency has products that provide financial compensation for family members in case of a breadwinner's accidental death. Indexed universal, whole, and term-life coverage are available. Its property protection options also cover automobiles, rental properties, and homes. The company offers policies from a variety of established carriers, like Safeco Insurance, National General, and the Bristol West Insurance Group.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.5 (41)

Why choose this provider?

New York Life South Florida assists clients in identifying which financial schemes and insurance products will be able to help meet their objectives. It provides life insurance policies to customers across Florida, including whole, term, universal, variable universal, and survivorship. The company also offers annuity options, such as fixed deferred, variable deferred, and lifetime income. New York Life has been around for over 170 years. The managing partner of the South Florida general office, Gerard A. Rocchi, served as the COO for the New York Life Agency Department.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.9 (28)

Why choose this provider?

Amerus Financial Group is an insurance agency that has been providing life insurance policies to individuals and families in Florida for 20 years. It offers term policies for those who want coverage for a specific period and whole and universal life policies for those who want lifelong coverage. It also offers Medicare Supplement and Advantage and Senior Life policies. The company has a team of experienced brokers who will work with clients to determine the best insurance coverage suited for their financial needs.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (6)

Why choose this provider?

Magnuson Insurance provides risk management solutions for individuals, families, and businesses in Florida. It offers final expense, term, and universal life insurance policies to maintain coverage when policyholders change employers and pay off mortgages in the event they pass away too soon. In addition, the agency provides insurance products for renters, homeowners, and business owners. Being an independent agency allows Magnuson Insurance to compare rates and terms from various carriers, including AIG, Prudential, and Lincoln Financial Group.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.5 (70)
Facebook
5.0 (3)

Why choose this provider?

Poppell Insurance Inc. addresses its clients' personal and commercial protection needs. Its agents offer individual life insurance options, such as term and whole-life policies. They also arrange group life insurance products for employers as part of their companies' benefit packages. In addition, prospective clients may select from a variety of long-term care, disability, vision, and dental plans available. Poppell Insurance is a full-service, independent agency founded and initially named Harrell & Poppell Insurance in Florida in 1964.

  • Life Insurance

Best Life Insurance Companies Serving Florida
Florida

Expertise.com Rating

Review Sources

Google
4.8 (82)

Why choose this provider?

Client Care Insurance is a family-owned independent agency that serves residential and commercial clients in Florida. It offers indexed universal life insurance plans that provide growth potential with death benefit protection and premium flexibility. It also provides term life insurance and final expense insurance policies. Other risk management options include umbrella, home, flood, health, and dental plans. Client Care Insurance was established in 2007 with a focus on Medicare before expanding its portfolio in 2013 with the release of ACA.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Regency Insurance Group
24311 Walden Center Dr. Suite 103, Florida, FL 34134
Ensure Financial Group, LLC
1253 W Memorial Blvd, Florida, FL 33815
Wells Insurance
309 US Hwy 27 South, Florida, FL 33852
Better Place Insurance Group
231 N Kentucky Ave Suite 201, Florida, FL 33801
West Florida Insurance
3607 Clark Road, Florida, FL 34233
Alex Insurance
6 Broadway Ave., Florida, FL 34741
One & Only Insurance Agency
11 North 6th Street, Florida, FL 33844
New York Life South Florida
1300 Concord Terrace, Fifth Floor, Florida, FL 33323
Amerus
5115 S Lakeland Dr Suite 1, Florida, FL 338011
Magnuson Insurance
4684 E County Road 540A, Florida, FL 33813
Poppell Insurance Inc.
503 W. Dr Martin Luther King Jr Blvd, Florida, FL 33563
Client Care Insurance
12720 S Orange Blossom Trl #16, Florida, FL 32837

Florida Life Insurance FAQs

  • What kind of life insurance offers a no-medical exam privilege in Florida?

    Life insurance without a medical exam is available in Florida through several options, including guaranteed issue, simplified issue, accelerated underwriting, and group life insurance. Guaranteed issue life insurance is suitable for people aged 45 to 85. A simplified issue life insurance requires applicants to answer a few health questions, while accelerated underwriting policies offer competitive pricing using personal data from various sources. Lastly, group life insurance is offered by an employer. It is equivalent to one year of salary.

  • What types of life insurance policies offer cash value in Florida?

    In Florida, whole life insurance, indexed universal, and variable universal life insurance offer cash value, which can grow over time. Whole insurance provides a stable, fixed-rate cash value growth. Indexed universal life insurance, on the other hand, ties cash value gains to the market, making it suitable for those who want stock market exposure. Lastly, variable universal life insurance allows policyholders to invest their cash value in diverse assets, offering more control and potential for higher returns.

  • What are the top advantages of having life insurance in Florida?

    Life insurance in Florida can provide your loved ones financial security and peace of mind. It can help cover expenses like burial costs, outstanding debts, and financial support for dependents in the event of your untimely passing. Furthermore, Getting life insurance while still young can lead to lower premiums and easy eligibility. This can help avoid paying more or being denied coverage.

  • What are the standard options for life insurance in Florida?

    Individuals seeking life insurance in Florida can choose from two standard options: term life and whole life insurance. Term life insurance provides a death benefit to beneficiaries if the policyholder passes away during a specified term. It requires reapplication for continued coverage if the time expires without a claim. Whole life insurance, in contrast, offers coverage for the policyholder's entire lifetime. It includes a cash value component that can serve as an investment, offering a source of income during the policyholder's lifetime.

  • What is a death benefit in life insurance coverage in Florida?

    A life insurance death benefit in Florida is paid to a chosen beneficiary when the insured person passes away, offering financial support for loved ones. The policyholder determines the benefit amount and coverage duration, which can be for a specific term or their entire life. Beneficiaries receive the payout upon the insured's death if the policy is active, with options for primary and contingent beneficiaries and distribution preferences. Life insurance proceeds bypass the probate process, providing a financial safety net separate from estate or debt obligations.