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2024

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Best Life Insurance Companies in Hialeah, FL

Our Recommended Top 17

We did the research for you!

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

10630Reviewed

6384Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7901 Northwest 2nd Street, Miami, FL 33126
WebsiteLicense: L006240

Expertise.com Rating

Review Sources

Google
4.0 (30)
Facebook
5.0 (16)

Why choose this provider?

Safe Insurance Group is an independent agency that has been serving the residents of Hialeah and surrounding areas for more than 28 years. It offers term life and whole life insurance policies. It also provides umbrella personal, homeowners', renters', and auto insurance plans. Additionally, it offers general liability commercial insurance. Insurance carriers that Safe Insurance Group works with include Atlantic Casualty Insurance Company, BlueCross BlueShield of Florida, Century Insurance Group, National General Insurance, and Tower Hill Insurance.

  • Life Insurance
  • Health Insurance

3750 W 16th Ave Ste 222, Hialeah, FL 33012

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

Opportunity Insurance is a life insurance company in Hialeah offering policies from a multitude of partnered carriers. Its policy options for life insurance are comprehensive and can include benefits for death by any cause, permanent disability, or serious illness. Clients can purchase health insurance coverage from both public and private carriers with customizable coverage options. Opportunity Insurance guides all clients through the inquiry and purchase process and supports them by answering policy questions and helping them to claim applicable benefits when appropriate.

1490 W 49th Pl Ste 408, Hialeah, FL 33012

Expertise.com Rating

Review Sources

Google
4.2 (30)
Facebook
5.0 (2)

Why choose this provider?

Group One is a life insurance agency in Hialeah that maintains relationships with a multitude of top carriers. It offers both fixed and indexed life insurance plans to fit clients with different needs and budgets. Whole and term life insurance plans are available too. Group One is also experienced with benefits attached to life insurance plans, such as mortgage protection and final expense benefits that cover housing and burial costs for dependents. This agency offers several tiered health insurance packages as well.

3520 W 18th Ave Ste 155, Hialeah, FL 33012

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Pandora Insurance is a health insurance company in Hialeah serving clients throughout the metro area. This company serves two types of health insurance customers, the first being individuals seeking coverage for medical expenses and medicine, and the second being companies who need group policies that cover multiple employees. Pandora Insurance also creates both individual and group life insurance plans with custom policy options, meaning they can be tailored to fit the unique coverage needs of each customer.

6905 W 4th Ave, Hialeah, FL 33014
WebsiteLicense: R001360

Expertise.com Rating

Review Sources

Google
4.9 (461)
Facebook
5.0 (33)

Why choose this provider?

West Holiday Insurance helps secure the financial future of individuals and businesses all over the Hialeah metro. It offers comprehensive life and health policy packages. The independent agency has over 20 years of experience in delivering insurance plans through carriers like National General, Bristol West, and Mercury Insurance. Its team customizes solutions according to each client's needs while also striving to provide them with reliable after-sales services. West Holiday Insurance values its agents' potential by offering support for their training and professional development.

  • Life Insurance
  • Health Insurance

355 E 49th St, Hialeah, FL 33013

Expertise.com Rating

Why choose this provider?

Carrera Insurance is a life insurance agency in Hialeah serving clients since 1989. It answers questions about life insurance policies and finds policies that fit its clients' needs and life goals. Once clients purchase policies the agency provides management services and ensures that agreements are fulfilled as long as conditions are met. Carrera Insurance also offers health insurance plans in several formats, such as supplemental health insurance policies, coverage plans that protect individuals and businesses, and prescription coverage policies.

711 Beacom Blvd Apt 1 Apt #, Miami, FL 33135

Expertise.com Rating

Review Sources

Google
4.9 (331)

Why choose this provider?

Dulcinea Insurance is an independent agency offering private, public, and discounted health insurance plans as well as life insurance plans. It curates policies to fit its clients' circumstances by offering the types of coverage they need the most. This agency's life insurance plans cover options including term and permanent life insurance plans, and plans with savings and with benefits. Its agents can help clients to determine what type of life insurance and how much coverage they should purchase.

5580 W 16th Ave Ste 105, Hialeah, FL 33012

Expertise.com Rating

Review Sources

Google
4.9 (15)

Why choose this provider?

Sebanda Insurance offers life and health insurance policies for individuals and families. Clients receive one-on-one attention as they shop for policies that offer the coverage they need to ensure financial security in the event of hospitalization, whether short or long-term, or death. This company partners with several top rated carriers which means clients have plenty of policy options to choose from. Sebanda Insurance also offers auto, home, and commercial insurance policies.

7451 Riviera Blvd, Ste 111, Miramar, FL 33023
WebsiteLicense: L113033

Expertise.com Rating

Review Sources

Google
4.9 (13)

Why choose this provider?

Located in Miramar, CBS Insurance Group extends its services to individuals, families, and business owners in the Hialeah metro and nearby areas. It helps clients acquire life insurance policies to protect them from financial losses caused by mortgages, estate taxes, and unexpected death. The company also crafts personalized coverages for homes and cars. Its specialists also provide commercial insurance to protect businesses from cyberattacks and other liabilities. CBS Insurance Group aims to help policyholders achieve financial protection through its services.

  • Life Insurance
  • Health Insurance

5590 W 20th Ave Ste 204, Hialeah, FL 33016

Expertise.com Rating

Review Sources

Facebook
4.3 (1)
Yelp
5.0 (1)

Why choose this provider?

Insurance Nation does business with clients all over the Hialeah metro area, providing comprehensive health insurance coverage options to clients with a range of needs. Active since 1998, this company has good experience with heath insurance programs both public and private, and it works to find clients policies that fulfil their unique needs. Insurance Nation also offers policies for home, auto, and business coverage, as well as natural disasters such as floods.

Miami Lakes, FL 33016

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Insure with Jonal is an independent agency partnering with carriers that offer health and life insurance plans. This agency constructs comprehensive health care plans that encompass a range of standard benefits covering the costs of hospital visits, medications, and procedures, as well as dental and vision-related needs. Its agents also have experience with accidental medical care and critical illness coverage. Insure with Jonal can serve the needs of students, pregnant women, and frequent travelers as well.

6704 Southwest 80th Street, Miami, FL 33143
WebsiteLicense: A048852

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
3.0 (11)

Why choose this provider?

Kitsia Gaines is a life insurance agent who serves clients in and around Hialeah. She also offers auto, business, health, home, and property insurance plans. Other products, such as annuities and mutual funds, are also available. Gaines is a member of the National Association of Insurance and Financial Advisors. She is also fluent in English, Haitian Creole, Spanish, and French. Gaines represents State Farm, a company that offers small business insurance plans, investment options, and financial services.

  • Life Insurance
  • Health Insurance

2300 W 84th St #108, Hialeah, FL 33016
WebsiteLicense: L095234

Expertise.com Rating

Review Sources

Facebook
4.7 (12)

Why choose this provider?

Global Green is an independent insurance agency that collaborates with different companies in providing life, health, car, and home protection policies for clients in Hialeah. It also has commercial coverages for businesses and add-ons to cover newly added members of the family. Its agents assist clients in identifying their personal needs and circumstances, in order to help them pick the most suitable options among providers like Kemper Auto, Progressive, National General, Bristol West, and Liberty Mutual.

  • Life Insurance
  • Health Insurance

1289 E 10th Ave Ste 57, Hialeah, FL 33010

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Amco Insurance can serve clients who need a life insurance company in Hialeah, as it offers policies from several carriers. It provides educational materials and hands-on guidance, acting as an assistant to clients as they compare plans and rates in order to find agreements that serve their needs. Amco Insurance is a multifaceted agency with extensive experience in auto, homeowners', business, and commercial insurance policies that's prepared to serve clients with risk protection needs in multiple categories.

380 W 49th St, Hialeah, FL 33012

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Alegre Insurance is a health insurance company in Hialeah offering both individual and group insurance policies. By working with a variety of top insurance carriers, it's able to offer clients a diverse selection of policy options to cover needs related to short and long-term care periods, prescription medicines, and surgical procedures. Alegre Insurance is also experienced with life insurance policies and provides consulting services to assist clients in the policy selection and purchase process.

398 E 33rd St Ste 202, Hialeah, FL 33013

Expertise.com Rating

Review Sources

Google
4.8 (112)
Facebook
4.7 (15)

Why choose this provider?

Bortec Insurance is a life insurance company in Hialeah that helps clients by finding policies that provide the types of coverage they need to ensure that their dependents are taken care of financially should they die. Experienced agents explain the terms and stipulations of each plan so that clients can better navigate the selection process as they shop for policies. Bortec Insurance also offers health insurance policies that cover doctor visits, surgeries, prescriptions, and related expenses.

2051 Northwest 112th Avenue, Miami, FL 33172

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Alpha Surance is a Miami-based insurance broker with several service areas, including Hialeah. With six years of experience, it offers a vast range of insurance policies for individuals, families, and businesses looking for a specific policy or needing expert advice about the different policies. It provides life insurance that includes customized plans with different coverages: term life insurance and whole life insurance. In addition to life insurance, it also provides home, auto, health, and commercial insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Safe Insurance Group
7901 Northwest 2nd Street, Miami, FL 33126
Opportunity Insurance
3750 W 16th Ave Ste 222, Hialeah, FL 33012
Group One
1490 W 49th Pl Ste 408, Hialeah, FL 33012
Pandora Insurance
3520 W 18th Ave Ste 155, Hialeah, FL 33012
West Holiday Insurance
6905 W 4th Ave, Hialeah, FL 33014
Carrera Insurance
355 E 49th St, Hialeah, FL 33013
Dulcinea Insurance
711 Beacom Blvd Apt 1 Apt #, Miami, FL 33135
Sebanda Insurance
5580 W 16th Ave Ste 105, Hialeah, FL 33012
CBS Insurance Group
7451 Riviera Blvd, Ste 111, Miramar, FL 33023
Insurance Nation
5590 W 20th Ave Ste 204, Hialeah, FL 33016
Insure with Jonal
Miami Lakes, FL 33016
Kitsia Gaines
6704 Southwest 80th Street, Miami, FL 33143
Global Green
2300 W 84th St #108, Hialeah, FL 33016
Amco Insurance
1289 E 10th Ave Ste 57, Hialeah, FL 33010
Alegre Insurance
380 W 49th St, Hialeah, FL 33012
Bortec Insurance
398 E 33rd St Ste 202, Hialeah, FL 33013
Alpha Surance
2051 Northwest 112th Avenue, Miami, FL 33172

FAQs

  • Is it possible for a life insurance company in Hialeah to reject a claim if the insured was a smoker?

    Life insurance companies in Hialeah reserve the right to deny policyholder claims if they did not disclose their smoking habits during the application process. Failure to provide this information is considered misrepresentation and may result in claim denial. Even if smoking was disclosed during the application, the insurer can still deny the claim if it is listed as an exclusion in the policy.

  • How different are the life insurance premiums of men and women in Hialeah?

    In Hialeah, men pay more for their insurance than women do. Men pay $15 per month for a life insurance policy that covers up to $250,000, while women pay $11 per month for the same coverage. This is because women have a longer life expectancy and men tend to work in more dangerous jobs and do more dangerous things.

  • When does a life insurance policy in Hialeah become irrevocable, and can insurance companies refuse a claim even after this period?

    In Hialeah, a life insurance policy is considered uncontestable two years after it is initiated. Following this period, the policyholder or beneficiary is eligible to claim the life insurance benefits. However, the insurer retains the right to reject a claim due to unpaid premiums. Furthermore, even after the two-year period has passed, the insurer can challenge provisions relating to disability benefits and additional coverage for accidental death.

  • Is there a specified timeframe during which late monthly life insurance premiums can be paid in Hialeah without repercussions?

    Yes, Florida law requires at least a 30-day grace period for unpaid monthly life insurance premiums in Hialeah. Furthermore, the law requires insurance companies to provide a notice of potential policy lapse for individual life insurance contracts covering people over the age of 64 that have been in force for a year or more. This notice should be sent within 21 days of the grace period for premium nonpayment.

  • Can a term life insurance policy be converted into whole life insurance in Hialeah?

    Yes, most term life insurance policies in Hialeah include a provision that allows policyholders to convert them to a more permanent type, such as whole life. These provisions also do not require proving insurability when switching to a permanent insurance type. However, whole life premiums are typically higher than term insurance premiums, which are typically determined by the insured's age at the time of conversion.

  • 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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