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2025

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Best Life Insurance Companies in Cape Coral, FL

Our Recommended Top 19

We did the research for you!

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

6964Reviewed

4186Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Cape Coral
1200 Periwinkle Way, Sanibel, FL 33957
Visit WebsiteLicense: L081175

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Facebook
5.0 (2)
Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Rosier Insurance works to provide clients in Cape Coral and the surrounding communities with a varied selection of insurance products, ranging from life insurance to commercial insurance. The insurance professionals from this agency partner with clients to determine specific facets of their insurance policies, such as the amount of coverage and the type of plans like term and whole life insurance. Rosier Insurance is a member of the Insurance Agency Owners Alliance and the Florida Association of Insurance Agents.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
900 Southwest Pine Island Road, Cape Coral, FL 33991
Visit WebsiteLicense: W449228

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Google
4.9 (170)
Yelp
1.0 (1)

Why choose this provider?

The Seuffert Agency is a company in Cape Coral that offers a range of insurance solutions throughout the metro. Its insurance agents work closely with clients to determine whether term or whole life insurance policies fit their circumstances. They also assist in finding suitable life insurance plans through the agency's network of insurance carriers. The Seuffert Agency also provides home, auto, flood, and renters' insurance. A US Air Force veteran, Eric Seuffert, its owner, has over 20 years of mortgage industry experience.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
3316 Chiquita Boulevard South, Cape Coral, FL 33914
Visit WebsiteLicense: R002900

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Google
4.0 (32)
Facebook
5.0 (12)

Why choose this provider?

Delaplane Insurance is an independent insurance agency that serves clients in Cape Coral. It offers various types of life insurance policies, including whole, term, and universal. The agency also offers other types of insurance products, such as personal property, auto, condo, and flood insurance. It has formed partnerships with several insurance companies that include Progressive, Nationwide, and Travelers. Delaplane Insurance is a family-owned and family-operated agency that has been serving the Southwest Florida area for 37 years.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
804 Nicholas Parkway East, Cape Coral, FL 33990
Visit WebsiteLicense: L101714

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Google
4.0 (27)

Why choose this provider?

Heritage Insurance Agency, Inc., provides insurance solutions to businesses, families, and individuals in the Cape Coral metro. It helps clients acquire life insurance plans that include term life, whole life, and universal options. The company also offers personal and commercial policies, including home, health, umbrella, business liability, and workers' compensation insurance. Heritage Insurance Agency, Inc., represents various companies such as American Modern, Bristol West, Hagerty, and Foremost. President Dennis Hughes has been a part of the company since 2018.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
109 Southwest 15th Terrace, Cape Coral, FL 33991
Visit WebsiteLicense: P184817

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Facebook
5.0 (7)

Why choose this provider?

Xander Insurance Services is an insurance agency that offers life insurance services including term life insurance and whole life insurance to clients in Cape Coral. Additionally, Xander Insurance Services provides dental insurance, vision insurance, long-term care insurance, disability insurance, and Medicare Supplements plans. It also caters to individuals and groups who want coverage for accidents, cancer, hospitalization, and critical illness. Xander Insurance Services represents multiple insurance carriers which include MetLife, Mutual of Omaha, Genworth Life, American General, and American Family.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
20020 Veterans Boulevard, Port Charlotte, FL 33954
Visit WebsiteLicense: L056104

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Facebook
5.0 (12)

Why choose this provider?

Harr & Associates Insurance, Inc is an independent agency that helps its clients in Cape Coral secure their financial responsibilities. The company's agents represent a wide selection of life insurance providers with packages to ensure their clients' loved ones and assets are protected. From temporary to permanent coverage, the agency works closely with its clients to help them choose the most effective coverage they require. In addition to life insurance, Harr & Associates Insurance, Inc also provides home, auto, business, flood, and umbrella insurance policies.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
1216 Sw 4th St #1, Cape Coral, FL 33991
Visit WebsiteLicense: L072248

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Google
4.0 (26)
Facebook
5.0 (2)

Why choose this provider?

Schuman Family Insurance caters to the people of Cape Coral. It provides term and permanent life coverage options for clients seeking to insure themselves and their families. It writes life insurance policies that may replace income after death, create inheritances for heirs, and pay for final expenses. There are also disability and pet health insurance options available. The firm's agents help clients find the most suitable coverage packages from its partner insurance carriers, including Progressive, Travelers, and Safeco.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Cape Coral
1925 Northeast 10th Terrace, Cape Coral, FL 33909
Visit WebsiteLicense: L067827

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Review Sources

Google
5.0 (1)

Why choose this provider?

Professional Insurance Services Inc is a locally owned and operated independent agency that has been in business for more than 31 years. Serving Cape Coral and surrounding communities, it offers different types of coverage options under its personal lines, including life, flood, auto, and homeowners' insurance. Its team of professionals also specializes in commercial lines such as auto, workers' compensation, and general liability insurance. Clients can contact the company via phone, fax, or email.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
806 North 15th Street, Immokalee, FL 34142
Visit WebsiteLicense: L000954

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

Spooner Insurance Agency has been providing insurance products to customers in Cape Coral since 1975. It specializes in personal and commercial insurance, ensuring that it offers the best insurance plan for every client. Its professional agents are ready to assist clients with their concerns 24 hours a day, seven days a week. They speak Spanish, thus expanding and extending their services to the Spanish-speaking population in the area. Spooner Insurance Agency aims to provide personalized services to customers who want to know more about their insurance offerings.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
923 Del Prado Boulevard South, Cape Coral, FL 33990
Visit WebsiteLicense: L094111

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Review Sources

Google
5.0 (23)
Facebook
5.0 (13)

Why choose this provider?

Based in Cape Coral, D. Gates Insurance Group is an independent insurance agency that serves individuals, families, and businesses in Florida. It provides life insurance policies. Its personal insurance product line also includes umbrella insurance, home insurance, and auto insurance. In addition, the agents from the company carry commercial insurance. D. Gates Insurance Group's team has a combined experience of more than 40 years in the industry. The company has served more than 10,000 clients.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
10501 Six Mile Cypress Pkwy, Fort Myers, FL 33966
Visit WebsiteLicense: L025802

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Review Sources

Google
4.0 (56)
Facebook
5.0 (29)

Why choose this provider?

Herndon Carr & Co. is a life insurance company that services clients in Cape Coral and nearby areas. The business provides term, whole, universal, and permanent life insurance to provide financial stability in case an unexpected event happens. In addition, insurance coverages for homeowners, renters, condominiums, and vehicles are also available. The firm has been providing its services to the community since 1974. It has partnered with major insurance carriers such as Bankers Insurance Group and Zurich.

  • Life Insurance
  • Health Insurance
  • Group Plans

Best Life Insurance Companies Serving Cape Coral
24311 Walden Center Drive, Bonita Springs, FL 34134
Visit WebsiteLicense: L076220

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Google
4.0 (735)
Yelp
2.0 (8)

Why choose this provider?

Regency Insurance Group is an independent insurance agency that serves clients in Cape Coral. It offers a range of insurance policies, including life insurance, health insurance, and long-term care insurance. Additionally, it provides workers' compensation, disability insurance, and business owner's policy. The company gives back to the community through its support for charities and organizations, such as Camp Kesem, Achievement Academy, and Gabriel’s House. It also has a concierge program, which clients can access at its websites.

  • Life Insurance
  • Health Insurance
  • Long Term Care

Best Life Insurance Companies Serving Cape Coral
7370 College Parkway, Fort Myers, FL 33907
Visit WebsiteLicense: L011716

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Review Sources

Google
4.0 (65)
Facebook
4.0 (22)
Yelp
5.0 (1)

Why choose this provider?

Avalon Insurance Group, Inc., is a family-owned and family-operated company serving individuals and businesses in Cape Coral and the surrounding communities. As an independent insurance agency, it works with different carriers in creating life insurance policies tailored to clients' budgets and needs. Owned by Connie and Joe Galewski, the company offers other insurance services, including health, business, home, worker's compensation, and flood insurance. Avalon Insurance Group has been in the business for more than 40 years.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Cape Coral
1423 Southeast 16th, Cape Coral, FL 33990
Visit WebsiteLicense: L097151

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

LP Insurance Solutions, LLC, is an independent insurance agency that serves the residents of Cape Coral and the surrounding areas. It provides multiple life insurance plans, including term, whole, and universal life insurance. It also offers disability coverage, vision insurance, dental plans, Medicare Supplement plans, and Medicare Advantage insurance. Additionally, it provides health insurance plans for individuals and families. One of its agents, Lizzy Paredes, has been working in the industry for almost a decade.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
405 Del Prado Boulevard North, Cape Coral, FL 33909
Visit WebsiteLicense: L078133

Expertise.com Rating

Review Sources

Facebook
4.9 (331)
Google
4.4 (21)

Why choose this provider?

Acentria Insurance is a full-service company that serves individuals and families in the Cape Coral metro. It accommodates clients who need assistance in purchasing life insurance plans. In addition, the team of agents helps acquire other types of personal and business policies, such as homeowners', renters', flood, workers' compensation, and general liability insurance. They work with different insurance carriers to provide personalized coverages suited to the needs of their clients. Acentria Insurance has been in the business since 2010.

  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
621 Cape Coral Parkway East, Cape Coral, FL 33904
Visit WebsiteLicense: L108729

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Facebook
5.0 (37)
Google
5.0 (35)

Why choose this provider?

Your Choice Insurance is a family-owned and family-operated company serving Cape Coral. It partners with more than 100 carriers to offer term and whole life insurance plans. These can cover a wide range of costs, including funeral expenses, monthly bills, outstanding debt, and future education. The agency also specializes in auto, home, and business insurance. One of its owners, Amber Jackson, started her career in the insurance industry in 2017. She previously worked for an attorney referral company as its marketing director.

  • Individual Plans
  • Life Insurance

Best Life Insurance Companies Serving Cape Coral
4524 Southeast 16th Place, Cape Coral, FL 33904
Visit WebsiteLicense: L098662

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (8)

Why choose this provider?

Florida Insurance & Financial Services is an agency servicing Cape Coral. It offers life insurance plans for individuals and their families, which can serve as debt payments, inheritance for heirs, final expenses, and business continuation. The firm also carries insurance plans that cover mortgage payments and estate taxes. Its president, Margie Tann, has been working in the industry for more than 31 years. She specializes in property and casualty insurance as well as commercial insurance products.

  • Life Insurance
  • Individual Plans

Best Life Insurance Companies Serving Cape Coral
1319 Cape Coral Parkway East, Cape Coral, FL 33904
Visit WebsiteLicense: A007907

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (1)

Why choose this provider?

Aileen Ardolino of We Insure Agency is an insurance professional who has been in the industry since 1994. She assists clients with life insurance policies that serve to protect their long-term financial interests. With almost three decades of industry experience, she helps find policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. Aside from life insurance, she also offers assistance with auto, home, and health insurance policies.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Cape Coral
441 Del Prado Boulevard South, Cape Coral, FL 33990
Visit WebsiteLicense: R019746

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
5.0 (1)

Why choose this provider?

Look Insurance Agency is a Cape Coral-based company founded in 1978. The agency offers life insurance policies, including term life, universal life, variable universal life, and traditional whole life options. Its existing policies can be used in final expenses, dependent incomes, inheritance, and tax payments. The company assists with other types of personal insurance products, such as auto, homeowners', motorcycle, boat, and warcraft. Look Insurance Agency can also aid with business insurance, including general liability, apartment building owners, and commercial auto.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Rosier Insurance
1200 Periwinkle Way, Sanibel, FL 33957
The Seuffert Agency
900 Southwest Pine Island Road, Cape Coral, FL 33991
Delaplane Insurance
3316 Chiquita Boulevard South, Cape Coral, FL 33914
Heritage Insurance Agency, Inc.
804 Nicholas Parkway East, Cape Coral, FL 33990
Xander Insurance Services
109 Southwest 15th Terrace, Cape Coral, FL 33991
Harr & Associates Insurance, Inc
20020 Veterans Boulevard, Port Charlotte, FL 33954
Schuman Family Insurance
1216 Sw 4th St #1, Cape Coral, FL 33991
Professional Insurance Services Inc
1925 Northeast 10th Terrace, Cape Coral, FL 33909
Spooner Insurance Agency Inc
806 North 15th Street, Immokalee, FL 34142
D. Gates Insurance Group
923 Del Prado Boulevard South, Cape Coral, FL 33990
Herndon Carr & Co.
10501 Six Mile Cypress Pkwy, Fort Myers, FL 33966
Regency Insurance Group
24311 Walden Center Drive, Bonita Springs, FL 34134
Avalon Insurance Group, Inc.
7370 College Parkway, Fort Myers, FL 33907
LP Insurance Solutions, LLC.
1423 Southeast 16th, Cape Coral, FL 33990
Acentria Insurance
405 Del Prado Boulevard North, Cape Coral, FL 33909
Your Choice Insurance
621 Cape Coral Parkway East, Cape Coral, FL 33904
Florida Insurance & Financial Services
4524 Southeast 16th Place, Cape Coral, FL 33904
Aileen Ardolino
1319 Cape Coral Parkway East, Cape Coral, FL 33904
Look Insurance Agency
441 Del Prado Boulevard South, Cape Coral, FL 33990

Cape Coral, FL Life Insurance FAQs

  • Can someone withdraw money from their life insurance policy in Cape Coral?

    Yes, individuals in Cape Coral with Universal Life Insurance can access funds from their life insurance policy. This type of insurance typically allows policyholders to borrow a portion of the cash value of their policy on favorable terms. In addition, the cash value continues to accrue interest payments when policyholders borrow against the policy.

  • What is the grace period for paying life insurance in Cape Coral?

    A grace period of at least 30 days applies to payments on life insurance policies in Cape Coral. At least 21 days before the grace period specified in the policy's provisions expires, the policy owner and the secondary addressee must be notified by mail that coverage is about to be terminated.

  • What will a lump sum death benefit in Cape Coral entail for the beneficiary?

    In accordance with Section 627.4615 of the Florida Statutes, beneficiaries of life insurance in Cape Coral are entitled to receive the benefits plus interest if the policy specifies that the proceeds will be paid in a lump sum upon the insured's death. The interest rate should equal or exceed Moody's Corporate Bond Yield Average-Monthly Average Corporate rate on the date of the claim.

  • What can families in Cape Coral do if they cannot find a life insurance policy for a deceased family member?

    When seeking to locate a deceased family member's life insurance policy, families in Cape Coral can try any of the following methods:

    • Search through desk drawers and filing cabinets for records like bank statements or cancelled checks showing insurance premium payments.
    • Check if the deceased had a bank lock box that might contain old policies.
    • Contact the home and auto insurance agent to inquire about any life insurance policies.
    • Consider using a Life Policy Locator service like the Medical Information Bureau (MIB).
  • Who gets the life insurance payouts when someone dies in Cape Coral?

    When a policyholder dies in Cape Coral, the insurance company pays the named beneficiaries, who can be a person, a company, a charity, or a trust. These beneficiary designations govern who receives life insurance benefits and how they are distributed. In most cases, at least one beneficiary must be named in a life insurance policy.

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