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2024

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Best Life Insurance Companies in Largo, 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 Largo 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.

3606Reviewed

2171Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5234 Central Avenue, St. Petersburg, FL 33707
WebsiteLicense: L095707

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Review Sources

Google
4.0 (30)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Wornicki DelVecchio Insurance is an independent insurance agency that serves clients in Largo. The family-owned company offers life insurance options that include whole life, universal life, term life, variable, and tax-deferred. It provides policies for business owners' insurance, commercial auto insurance, workers' compensation, and general liability. It also delivers coverages such as pet insurance, car insurance, watercraft insurance, and homeowners' insurance. The company's agents have more than 150 years of collective experience in the industry.

  • Life Insurance

7402 North 56th Street, Tampa, FL 33617
WebsiteLicense: W277844

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Review Sources

Facebook
5.0 (3)

Why choose this provider?

Insured American Family is an independent family-owned, family-operated, and veteran-operated insurance agency that caters to individuals, families, and businesses in the Largo metro. The business offers a full range of life insurance options, including universal, term, whole, and indexed universal life coverages. It also helps clients acquire simplified issue, single premium, and final expense burial insurance. Insured American Family is a broker for most life insurance companies, including Humana, Transamerica, Aetna, Cigna, Mutual of Omaha, and Gerber.

  • Life Insurance
  • Health Insurance

4563 Central Avenue, St. Petersburg, FL 33713
WebsiteLicense: L058117

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Google
4.0 (512)
Facebook
4.0 (26)

Why choose this provider?

Moore Resources is an independent insurance provider writing life insurance policies based on clients' needs. Serving Largo and the surrounding areas, its agents study the clients' risks, craft life protection programs, and search for insurance carriers that offer proper coverage. Clients can request a meeting with an agent to raise any insurance concerns. David Moore, its president, opened the company in 2008 with small businesses as his first customers. In addition to handling personal insurance, the business also offers commercial insurance assistance.

  • Life Insurance

Post Office Box 7744, Seminole, FL 33775
WebsiteLicense: L064913

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Why choose this provider?

Bay Planning is a life insurance brokerage located in the Seminole area that has also been serving individuals and companies in the community of Largo and throughout the country for around 20 years. It represents a range of life insurance providers, giving its clients access to a variety of insurance and annuity products for their specific needs. This firm also has an in-house direct mail program, which enables it to offer leads to its clients.

  • Life Insurance

100 Frandorson Circle, Apollo Beach, FL 33572
WebsiteLicense: L054395

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Review Sources

Facebook
5.0 (4)

Why choose this provider?

Bayside We Insure is a family-owned company that examines life insurance policy options in Largo and nearby communities. The company was founded by Glen McGaha who has more than 20 years of experience in the insurance industry. Glen started his career with Farmers Insurance in Birmingham, Alabama, where he was a recipient of the Life Underwriter Training Council Fellow designation. The agency also assists in health insurance, specializing in long-term care insurance and disability insurance.

  • Life Insurance
  • Health Insurance

649 Cortez Road West, Bradenton, FL 34207
WebsiteLicense: R005590

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Facebook
5.0 (223)
Google
5.0 (92)

Why choose this provider?

Acceptance Insurance is an insurance brokerage that specializes in personal insurance lines in Largo. The firm has a diverse network of over 600 insurance agents and 300 insurance offices across the United States. It offers life insurance products such as short-term and long-term life insurance policies. The policies provide financial protection to policyholders for significant life events and unexpected expenses such as debt payments, mortgage payments, educational payments, accidents, as well as burial expenses.

  • Life Insurance

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

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Google
4.0 (11)
Facebook
5.0 (8)

Why choose this provider?

The Fessler Agency, Inc., is a life insurance company serving Largo and the surrounding communities. Founded by Jack Fessler 37 years ago, the agency provides financial security and risk protection to individuals and families. It partners with insurance carriers in delivering suitable policies according to the client's needs. The Fessler Agency also offers flood insurance, renter's insurance, homeowners' insurance, and personal umbrella insurance. Jack Fessler's passion as an insurance provider was brought about by an accident that left him paralyzed nearly 60 years ago.

  • Life Insurance

6821 Central Avenue, St. Petersburg, FL 33710
WebsiteLicense: L063412

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Google
4.0 (8)
Facebook
5.0 (2)

Why choose this provider?

White Hoskins Cook Insurance Agency, Inc., has been delivering the life insurance requirements of individuals and families in Largo since 1956. It offers universal, term, and whole life insurance packages that can fit its clients' different lifestyles and financial goals. Its agents also handle health, home, auto, and business coverage programs. White Hoskins Cook Insurance Agency aims to provide its policyholders with competitive products due to its dedication to delivering feasible solutions to its community members.

  • Individual Plans
  • Life Insurance

1317 3rd Avenue West, Bradenton, FL 34205
WebsiteLicense: L105016

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Review Sources

Google
4.0 (65)
Facebook
5.0 (2)

Why choose this provider?

Florida All Risk Insurance is an insurance agency owned and operated by Jason Miller. For more than 20 years, it has been catering to the insurance needs of individuals and businesses in Largo and nearby areas. The insurance agents at this firm are knowledgeable and equipped to shop for different life insurance policies from various insurance carriers, such as Progressive, Olympus, Travelers, and TAPCO Insurance. In addition, the team provides insurance products for homeowners, condo owners, watercraft, and businesses.

  • Life Insurance

810 63rd Avenue North, St. Petersburg, FL 33702
WebsiteLicense: R001976

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Review Sources

Google
3.0 (31)
Facebook
5.0 (4)

Why choose this provider?

Harbor Insurance Group is an independent insurance agency that offers comprehensive personal and commercial insurance in and around the Largo metro. This company offers a wide range of products such as life, auto, boat, renters, and homeowners insurance. Additionally, this firm also provides motorcycle insurance that covers liability and medical expenses incurred in an accident. Harbor Insurance Group has partnered with 20 different insurance companies to find the policies that suit the needs of each client.

  • Life Insurance

4308 75th Street West, Bradenton, FL 34209
WebsiteLicense: L011888

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Review Sources

Google
5.0 (83)
Facebook
5.0 (4)

Why choose this provider?

Serving the Largo area, Millennium Insurance and Investment Group of Florida is a full-service agency providing a range of insurance services to clients in the local metro. It offers life insurance coverages such as term life insurance, whole life insurance, and universal life insurance. The company also specializes in commercial insurance solutions including commercial auto and truck insurance, general liability insurance, condominium association insurance, workers’ compensation insurance, and commercial umbrella insurance. It has a strong focus on helping customers get comprehensive insurance plans at competitive prices.

  • Life Insurance

4590 Ulmerton Road, Clearwater, FL 33762
WebsiteLicense: L084502

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Review Sources

Google
5.0 (133)
Facebook
5.0 (22)

Why choose this provider?

Genesis One Insurance is a family-owned independent insurance agency serving clients in the Largo area. It works with a wide range of insurance providers to find policies that match the clients' exact needs. Its main focus is life and individual health insurance. It also provides coverage for properties through auto, home, flood, and renters insurance. Personal umbrella policies are also available. Genesis One Insurance was founded in 2013 and its agents have over 40 years of combined industry experience.

  • Life Insurance

815 Cypress Village Boulevard, Ruskin, FL 33573
WebsiteLicense: A130091

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Review Sources

Google
4.0 (20)
Facebook
5.0 (1)

Why choose this provider?

Gulf Coast Commercial Insurance is an independent agency offering life insurance to the residents of Largo. Clients can make a custom life insurance plan which can include whole, universal, term life insurance, and medical savings account. Writing life insurance policies is available in case of emergencies. Gulf Coast Commercial Insurance also offers commercial auto, general liability, business, and home insurance. The agency has a team of experienced insurance agents that caters to different client needs.

  • Life Insurance

11228 28th Street Circle East, Parrish, FL 34219
WebsiteLicense: L079908

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Based in Parrish, Safeguard Assurance, LLC provides a wide range of insurance policies for individuals and businesses. It serves clients throughout Largo and its neighboring communities, offering life insurance policies, including term life insurance, permanent life insurance, universal life insurance, endowments, and limited-pay life insurance coverages. Additionally, its team offers health insurance plans and long-term care insurance. Dave Cook and Dawn Cook, managing partners of Safeguard Assurance, are backed with extensive experience in the insurance industry.

  • Life Insurance
  • Health Insurance

9455 Koger Boulevard North, St. Petersburg, FL 33702
WebsiteLicense: L065246

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
4.0 (10)

Why choose this provider?

Jack Rice Insurance is an independent insurance agency that provides insurance services to residents and businesses of Largo and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance, universal life insurance, and key man life insurance. Additionally, it provides business insurance packages like business property insurance, liability insurance, business automobile insurance, and workers’ compensation. It has provided insurance services to clients since 1985.

  • Life Insurance
  • Term Life Insurance

1511 60th Avenue West, Bradenton, FL 34207
WebsiteLicense: L099024

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Hola is an insurance brokerage near Largo that offers insurance products to clients in the metro. It specializes in both personal and business insurance lines such as annuities, business liability insurance, homeowners' insurance, renters' insurance, and automobile insurance. Its life insurance policies include term insurance, whole life insurance, as well as Medicare and Medicare Supplements. The company is composed of FINRA-licensed bilingual brokers and personal financial advisors who can assist Spanish-speaking clients.

  • Life Insurance

10360 72nd Street, Seminole, FL 33777
WebsiteLicense: L106693

Expertise.com Rating

Why choose this provider?

Bridge Insurance is an independent company focusing on the needs of senior clients in Largo. The company offers a life insurance plan with options like the term, whole, financial expense, and dental. Its insurance plans include property damage, Medicare, long-term care, income protection, and health coverage. With an aim to help seniors save their time, money, and energy, Brandon Jon Selfors established Bridge Insurance in 2018. He commits to taking the time to listen to senior clients' needs before offering them advice.

  • Life Insurance

11015 Gatewood Drive, Bradenton, FL 34211
WebsiteLicense: L010595

Expertise.com Rating

Review Sources

Facebook
5.0 (11)

Why choose this provider?

Lakewood Financial is an independent insurance agency specializing in home, auto, business, life, and Medicare insurance. The agency serves clients in the Largo area as well as its adjoining communities in finding the right insurance plan that fits their needs. It provides assistance in both categories of life insurance plans, term insurance, and permanent insurance. Lakewood Financial is also affiliated with a vast network of known policy carriers, including Aetna, Nationwide, and Tower Hill Insurance.

  • Life Insurance
  • Health Insurance

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

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Business Insurance Center is an insurance firm that offers life protection for clients in and around the Largo area. This company offers a wide variety of personal and commercial products such as life, auto, home, business, and employee insurance. It specializes in homeowners insurance, which provides protection against unexpected events such as natural disasters and theft. Additionally, it also offers protection for different industries such as health care facilities, dental practice, and aviation insurance. They've been in the business since 1981.

  • Life Insurance
  • Individual Plans
  • Group Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Wornicki DelVecchio Insurance
5234 Central Avenue, St. Petersburg, FL 33707
Insured American Family
7402 North 56th Street, Tampa, FL 33617
Moore Resources
4563 Central Avenue, St. Petersburg, FL 33713
Bay Planning
Post Office Box 7744, Seminole, FL 33775
Bayside We Insure
100 Frandorson Circle, Apollo Beach, FL 33572
Acceptance Insurance
649 Cortez Road West, Bradenton, FL 34207
The Fessler Agency, Inc.
3165 North McMullen Booth Road, Clearwater, FL 33761
White Hoskins Cook Insurance Agency, Inc.
6821 Central Avenue, St. Petersburg, FL 33710
Florida All Risk Insurance
1317 3rd Avenue West, Bradenton, FL 34205
Harbor Insurance Group
810 63rd Avenue North, St. Petersburg, FL 33702
Millennium Insurance and Investment Group of Florida
4308 75th Street West, Bradenton, FL 34209
Genesis One Insurance
4590 Ulmerton Road, Clearwater, FL 33762
Gulf Coast Commercial Insurance
815 Cypress Village Boulevard, Ruskin, FL 33573
Safeguard Assurance, LLC
11228 28th Street Circle East, Parrish, FL 34219
Jack Rice Insurance
9455 Koger Boulevard North, St. Petersburg, FL 33702
Hola
1511 60th Avenue West, Bradenton, FL 34207
Bridge
10360 72nd Street, Seminole, FL 33777
Lakewood Financial
11015 Gatewood Drive, Bradenton, FL 34211
Business Insurance Center
325 North Belcher Road, Clearwater, FL 33765

FAQs

  • Can life insurance proceeds in Largo be probated?

    No, because there is a beneficiary designation in the policy, there is no legal requirement in Largo for life insurance proceeds to go through or be subject to Florida probate. As a result, the beneficiary of the life insurance policy, rather than the insured's estate, receives the policy proceeds immediately following the insured's death.

  • What happens if the insured fails to specify a beneficiary on its life insurance policy in Largo?

    When there is no beneficiary named on a life insurance policy in Largo, the funds are typically directed to the insured person's estate, where they become part of their probate assets. This can also happen if the policy's original named beneficiary dies and no replacement beneficiary is named in a timely manner.

  • Who is eligible to be listed as the beneficiary of a life insurance policy in Largo?

    An individual, an organization, a corporation, a trust, or an estate may be named as the insured's beneficiary on a life insurance policy in Largo. When a child is named as a beneficiary in a plan, the court appoints a guardian to handle the case; the guardian will be in charge of the funds until the minor reaches the age of majority.

  • Can the insured in Largo modify the beneficiaries specified on their life insurance policy?

    The insured in Largo has the right to change the beneficiaries on a life insurance policy or other financial account at any time. Divorce, remarriage, and death are just a few examples of situations in which the beneficiaries' list may need to be updated. It may be impossible to update or name a new beneficiary in some unusual circumstances, such as an irreversible designation or a change in policy ownership.

  • Is it still possible to name an ex-spouse as a beneficiary on a life insurance policy in Largo?

    While a divorce usually terminates beneficiary status under Florida law, the policyholder in Largo has the option to keep the ex-spouse as a beneficiary. This is especially true when parents divorce but still need to make financial plans for their children's well-being. Following the death of the policyholder, their ex-spouse may be entitled to benefits under their employment-related life insurance, which is governed by the federal Employee Retirement Income Security Act of 1974 (ERISA), which takes precedence over Florida state laws.

  • 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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