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Best Life Insurance Companies in Clearwater, FL

Our Recommended Top 20

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Our goal is to connect people with the best local professionals. We scored Clearwater 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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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

PO Box 5896, Hudson, FL 34674
WebsiteLicense: W411144

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Steven Papola is the agency principal of Centurion Insurance and Financial Services who caters to clients in the Clearwater metro. Included in his line of products are term and permanent life insurance policies which can help with business succession, college planning, family protection, financial planning, and long-term care. Furthermore, he also provides auto, commercial, flood, home, and recreational insurance plans. Steven previously worked in the New York City Police Department prior to shifting to the insurance industry.

  • Life Insurance

7904 Land O' Lakes Boulevard, Land O' Lakes, FL 34638
WebsiteLicense: L048101

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
5.0 (1)

Why choose this provider?

Dieguez Insurance is an independent insurance company serving English-speaking and Spanish-speaking clients in Clearwater and the surrounding areas for over 25 years. It specializes in life insurance options that come in permanent, whole, term, and variable categories. The company also provides options for auto, boats, motor homes, renters, and flood damage. It works closely with different businesses to provide insurance options for general liability, workers' compensation, and surety bonds. Dieguez Insurance represents several insurance carriers, including National Flood Services, Foremost, Heritage Insurance, and United Healthcare.

  • Life Insurance
  • Health Insurance

13909 North Dale Mabry Highway, Tampa, FL 33618
WebsiteLicense: W314995

Expertise.com Rating

Review Sources

Google
4.8 (9)
Facebook
5.0 (6)

Why choose this provider?

Brightway, The Saltzman Agency provides a wide variety of insurance products, including life insurance to residents in Clearwater and nearby communities. As an independent agency, it represents numerous insurance carriers rather than any single provider. Its team of experienced insurance agents delivers term and whole life insurance policies designed to meet their client's needs while considering their age, mortgage, and lifestyle considerations. Brightway, The Saltzman Agency also offers property, vehicle, and business insurance options. The agency's owner, Rich Saltzman, carries 25 years of industry expertise.

  • Life Insurance

12749 West Hillsborough Avenue, Tampa, FL 33635
WebsiteLicense: R000463

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (6)

Why choose this provider?

Florida West Insurance, Inc. serves the Clearwater area with a wide range of insurance plans including life insurance. Individuals may choose from term life, universal life, or whole life policies. The company also offers coverage services involving homes, automobiles, businesses, and flood events. Virginia Rigo, a former IFA insurance agent, has been the head of Florida West Insurance, Inc. since 1999. She holds a Florida Property & Casualty Insurance License and has work background on managerial positions with various companies.

  • Life Insurance

325 North Belcher Road, Clearwater, FL 33765
WebsiteLicense: L051300

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (7)

Why choose this provider?

Business Insurance Center is a team of insurance brokers and consultants in Clearwater that provides tailored insurance solutions for clients in the area. Some of its life policies include individual term and whole life, group life, long-term care, and disability insurance. The firm is led by its president, Robert T. Newsome, Jr., who started his career in personal and business insurance in 1993. He handles a team of 10 personnel that sources, analyzes, and underwrites life insurance products.

  • Life Insurance
  • Health Insurance

11049 Countryway Boulevard, Tampa, FL 33626
WebsiteLicense: L057374

Expertise.com Rating

Review Sources

Google
4.9 (100)
Facebook
5.0 (2)

Why choose this provider?

Dance Ferrentino Insurance and Financial, Inc. is an independent agency that offers customized services in Clearwater and its surrounding cities. It provides various personal insurances such as life, condo, umbrella, and teen drivers. It also assists commercial clients with property, workers' compensation, restaurant, and employment practices liability insurance. The agency is affiliated with The Junior League of Tampa. Its owners have 57 years of combined experience as insurance professionals. Dance Ferrentino has been operating for over 10 years.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

5644 Main Street, New Port Richey, FL 34652

Expertise.com Rating

Review Sources

Google
5.0 (10)
Facebook
5.0 (6)

Why choose this provider?

Family Benefit Services handles the life insurance concerns of individuals and families in Clearwater and the nearby communities. The business operates six days a week to accommodate clients searching for whole life insurance programs. A mobile quote calculator is available on the company's website and an online needs analysis tool intended to cover a family's cash flow, mortgage protection, life protection, and burial expenses. Family Benefit Services is committed to providing services with dignity and equality.

  • Health Insurance
  • Life Insurance

3165 McMullen Booth Road, Clearwater, FL 33761
WebsiteLicense: L054658

Expertise.com Rating

Review Sources

Google
4.6 (14)
Facebook
5.0 (11)

Why choose this provider?

The Fessler Agency, Inc. is an independent insurance agency that has served clients in Clearwater since 1984. It can shop and research life insurance policies from over 15 different carriers, such as Lighthouse and Olympus Insurance. The agency can teach new policyholders about term-life and permanent life benefits, including death benefits and cash value growth. Its account managers can also review existing contracts and update the policy to add new beneficiaries. Founder Jack Fessler has been in the insurance industry for over 35 years.

  • Life Insurance

8777 North 56th Street, Temple Terrace, FL 33617
WebsiteLicense: L088113

Expertise.com Rating

Review Sources

Google
4.0 (60)
Yelp
5.0 (1)

Why choose this provider?

Bruners Insurance of Eastlake, Inc., is an independent agency that provides insurance services to residents and businesses in Clearwater and the surrounding communities. It handles various life insurance plans, like term and permanent life insurance, through its partnership with multiple companies. Additionally, it offers business insurance packages, like workers’ compensation, general liability, and commercial auto insurance. Janette D. Foley is the agency’s owner. She established the firm in 2009 and has been working as an agent since 1998.

  • Life Insurance

3455 Countryside Boulevard 29, Clearwater, FL 33761
WebsiteLicense: A227151

Expertise.com Rating

Review Sources

Google
5.0 (18)

Why choose this provider?

Routt Insurance has been serving the insurance needs of Clearwater for over 29 years. It helps individuals and families find life insurance policies that include term life insurance, final expense, annuities. Its agents compare various providers and yield policies that are in line with each client's unique needs and goals. The company has a collection of final expense plans and procures customized programs for its clients. It also provides insurance products and services along the lines of Medicare Supplement, individual and group health insurance, and long-term care.

  • Health Insurance

13920 North Dale Mabry Highway Suite 3, Tampa, FL 33618
WebsiteLicense: L088541

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Roney Insurance presents whole, term, and universal life insurance plans in Clearwater. It helps families prepare for unexpected events by providing different protection packages that can shoulder debts, medical bills, and funeral expenses. Home, auto, and business insurance policies are also available. Roney Insurance has a team of agents with more than 25 years of combined experience in the field. It aims to deliver a straightforward analysis of the market and its risks to ensure every client can form sound decisions.

  • Life Insurance
  • Health Insurance

1465 South Fort Harrison Avenue, Clearwater, FL 33756
WebsiteLicense: L029379

Expertise.com Rating

Review Sources

Google
4.8 (54)
Facebook
4.0 (20)
Yelp
5.0 (1)

Why choose this provider?

Simmons Insurance, Inc. is a life insurance agency serving clients from Clearwater and its surrounding areas. The company provides a wide range of life insurance options such as term, whole, and universal. There are also other insurance policies available for homes, condominiums, floods, and vehicles. This independent firm has been providing its services to the community for more than 65 years. It is led by Terry S. Simmons, who has been in the insurance sector since 1972.

  • Life Insurance

10014 Grove Drive, Port Richey, FL 34668
WebsiteLicense: L076253

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

Blackwell Insurance is an independent insurance agency that serves Clearwater and the surrounding communities. It offers life insurance products that help clients take care of future obligations such as family expenses, mortgages, and other miscellaneous debts. The company also offers various personal insurance products, including auto, home, flood, and boat insurance. Additionally, commercial clients looking to get coverages such as property insurance, general liability, workers' compensation, and commercial auto insurance can also consult with the company for personalized plans.

  • Life Insurance

1812 Manatee Avenue West, Bradenton, FL 34205
WebsiteLicense: A152710

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Focus Wealth Strategies is an independent insurance agency serving clients in Clearwater and its surrounding areas. The firm offers term, universal, variable, and whole life insurance policies based on the comprehensive needs of each client. In addition to life insurance, the company also deals with disability and short and long-term care insurance plans. Mike Lehman, the CEO of Focus Wealth Strategies, is a Certified Financial Planner who is also an LPL Financial Advisor with an MBA.

  • Life Insurance

2727 Ulmerton Road, Clearwater, FL 33762
WebsiteLicense: L007935

Expertise.com Rating

Review Sources

Google
4.9 (271)
Facebook
5.0 (91)
Yelp
4.5 (5)

Why choose this provider?

Strategic Insurance Services is an independent insurance brokerage that serves residents and businesses in Clearwater and the surrounding areas. It offers a range of risk management solutions, including life insurance, which can pay federal and estate taxes and create an inheritance for heirs. Its team of professionals also provides extensive coverage for businesses, including cyber liability. Its principal advisor, Douglas Levi, was included in the Top 40 Under 40 by Tampa Bay Business Journal in 2016.

  • Life Insurance

17896 U.S. 41, Lutz, FL 33549
WebsiteLicense: L105340

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Lewis Insurance Group, LLC, is a locally owned insurance company serving clients in the Clearwater area. The business has been catering to individuals, families, and businesses for over 19 years, providing policies designed to meet the client's and the company's standards. Such insurance policies include term, permanent, and group life insurance, in addition to home and auto coverage. It also offers general liability and workers' compensation coverage for its commercial clients. Furthermore, Lewis Insurance Group works with 37 insurance companies.

  • Life Insurance

1454 Main Street, Dunedin, FL 34698
WebsiteLicense: A165184

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

For over 23 years, Peter Markos Insurance has been helping the residents of Clearwater and other nearby communities with their insurance needs. It helps clients pick the best insurance coverage policy that fits their budget, lifestyle, and personal goals. The agency offers personal insurance policies which include life, auto, home, flood, and specialty insurance. In addition, it also assists small businesses to acquire both liability and property insurance that can cover suspended operations, lawsuits, or property damage.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

11588 Fountainhead Drive, Tampa, FL 33626
WebsiteLicense: W263641

Expertise.com Rating

Review Sources

Google
4.4 (43)
Facebook
5.0 (16)
Yelp
5.0 (3)

Why choose this provider?

State Farm insurance agent Arlo Henderson provides various insurance solutions to clients in Clearwater and the surrounding communities. His insurance offerings include life insurance coverage, health insurance, and home insurance. Additionally, he offers auto, property, and business insurance options. Arlo has been in the banking and financial services industry for more than 20 years. He has previously worked as a life coach and a freelance author. He is also a Freemason and serves on the board of Autism Shifts.

  • Life Insurance
  • Health Insurance

13220 McCormick Drive, Tampa, FL 33626
WebsiteLicense: W188079

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

iInsure is a locally owned and locally operated insurance company serving individuals and business owners in Clearwater. As an independent agency, it works with several life insurance carriers that allow its clients to choose the insurance policy that protects what is most important to them. Other insurance products offered include auto, home, and business insurance plans. For clients with an existing policy, the company's agents are equipped to check the current coverage and recommend ways to close it, if needed.

  • Life Insurance

2402 Merchant Avenue, Odessa, FL 33556
WebsiteLicense: R000542

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Tampa Bay Insurance serves the Clearwater metro. It is an independent agency that provides an array of insurance solutions to individuals, families, and businesses. Life insurance products such as term life insurance, whole life insurance, and group life insurance are offered by the company. It also has personal insurance options like homeowners insurance, automobile insurance, motorcycle insurance, auto warranty insurance, and personal article floater insurance, and umbrella insurance. Tampa Bay Insurance is a locally owned business that was established in 2001.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Steven Papola
PO Box 5896, Hudson, FL 34674
Dieguez Insurance
7904 Land O' Lakes Boulevard, Land O' Lakes, FL 34638
Brightway, The Saltzman Agency
13909 North Dale Mabry Highway, Tampa, FL 33618
Florida West Insurance, Inc.
12749 West Hillsborough Avenue, Tampa, FL 33635
Business Insurance Center
325 North Belcher Road, Clearwater, FL 33765
Dance Ferrentino
11049 Countryway Boulevard, Tampa, FL 33626
Family Benefit Services
5644 Main Street, New Port Richey, FL 34652
The Fessler Agency, Inc.
3165 McMullen Booth Road, Clearwater, FL 33761
Bruners Insurance of East Lake Inc.
8777 North 56th Street, Temple Terrace, FL 33617
Routt Insurance
3455 Countryside Boulevard 29, Clearwater, FL 33761
Roney Insurance
13920 North Dale Mabry Highway Suite 3, Tampa, FL 33618
Simmons Insurance
1465 South Fort Harrison Avenue, Clearwater, FL 33756
Blackwell Insurance
10014 Grove Drive, Port Richey, FL 34668
Focus Wealth Strategies, LLC
1812 Manatee Avenue West, Bradenton, FL 34205
Strategic Insurance Services
2727 Ulmerton Road, Clearwater, FL 33762
Lewis Insurance Group, LLC
17896 U.S. 41, Lutz, FL 33549
Peter Markos Insurance
1454 Main Street, Dunedin, FL 34698
Arlo Henderson
11588 Fountainhead Drive, Tampa, FL 33626
iInsure
13220 McCormick Drive, Tampa, FL 33626
Tampa Bay Insurance
2402 Merchant Avenue, Odessa, FL 33556

FAQs

  • How will you know if term insurance is right for you in Clearwater?

    Buying term life insurance in Clearwater might be right for you if one or more of these apply:

    • You require affordable coverage for a set duration.
    • You seek to safeguard your family's financial security beyond your lifetime.
    • You aim to settle debts like a vehicle loan or credit card balances.
    • You desire extra coverage, particularly during significant life phases.
  • Who should consider obtaining whole life insurance in Clearwater?

    Individuals residing in Clearwater who want to enhance their current policy, seek coverage without undergoing a medical examination or extensive questioning, are in search of financial support to settle final debts or for funeral costs, or are living on a limited income or within a constrained budget should contemplate acquiring whole life insurance.

  • Why should you acquire life insurance at a young age in Clearwater?

    The cost of insurance in Clearwater is influenced by risk factors, and generally, younger individuals, being in better health and having a longer life expectancy, enjoy lower premiums. The best time for most people to purchase life insurance is during their 20s, before chronic conditions like cholesterol or high blood pressure manifest.

  • What amount of life insurance is necessary in Clearwater?

    The amount of life insurance coverage you need in Clearwater hinges on a number of different factors, including the following:

    • The number of children you have.
    • Your marital status.
    • Your anticipated future income.
    • The amount of debt you have.
    • The potential income of your spouse in the future.
    • Your age and your spouse's age.
  • What happens if a life insurance policyholder takes his or her own life in Clearwater?

    Most Clearwater policies state that life insurance benefits for suicides will be honored only if the policy was held for at least two years before the insured person's passing. Suicide clauses are a common feature of Clearwater life insurance plans, outlining the specific timeframe during which suicide may result in a claim denial.

  • 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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