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Best Life Insurance Companies in Melbourne, 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 Melbourne 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.

3444Reviewed

2074Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2350 Minton Road, West Melbourne, FL 32904
WebsiteLicense: L095856

Expertise.com Rating

Review Sources

Google
4.5 (53)
Yelp
5.0 (1)

Why choose this provider?

Atlantic Coast Insurance has provided comprehensive insurance products and services to over 20,000 clients in Melbourne and nearby areas in Florida. Working with more than 30 providers, the company handles permanent, term life, and final expense insurance policies. Other personal insurance coverage the agency offers include car, home, boat, and flood insurance. Atlantic Coast Insurance also assists businesses with commercial protection services. This includes general and professional liability, cyber liability, business owner's policy, inland marine, and workers' compensation.

  • FINAL EXPENSE INSURANCE
  • Permanent Insurance
  • Life Insurance

1900 South Harbor City Boulevard, Melbourne, FL 32901
WebsiteLicense: L109182

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (3)

Why choose this provider?

Insurance Group of Florida is an independent insurance agency that provides services to individuals, families, and businesses in Melbourne. It is partnered with different insurance companies, like Attune Insurance, MetLife, National General, and Safeco Insurance. Its product line includes term and whole life insurance policies, which aim to give financial protection to clients and their families. It also carries auto, commercial, home, motorcycle, and umbrella insurance plans. Insurance Group of Florida is focused on helping customers make informed insurance decisions.

  • Life Insurance

4450 West Eau Gallie Boulevard, Melbourne, FL 32934
WebsiteLicense: L085336

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

COBIA Insurance Agency has been serving Melbourne and the surrounding communities since 2013. It provides life insurance products for clients needing financial security for their dependents. It also gives them several insurance policy options, including term life which covers benefits if they die during the term. In addition, its team of agents assists in whole life insurance plans for individuals looking for permanent benefits and investments for their families. COBIA Insurance Agency is available for major illness and long-term protection insurance services.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

2210 Front Street, Melbourne, FL 32901
WebsiteLicense: L065220

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Melbourne Insurance provides the metro with life insurance options, including term and whole life insurance. These life insurance plans can help surviving family members with funeral and burial costs, federal and state death taxes, and daily living expenses. Clients can also contact the agency to inquire about other types of life insurance that suit their needs. The agency also offers auto, home, and business insurance. Melbourne Insurance has 40 years of combined experience.

  • Life Insurance

7331 Office Park Place, Melbourne, FL 32940
WebsiteLicense: R002967

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

Anthony Insurance Agency is an independent insurance management company that serves residential and commercial clients in Melbourne and its surrounding cities. It offers a wide range of insurance products and services, including life, renters, automobile, and commercial insurance coverage. The company works with several insurance networks and carriers, providing each client with a plethora of options for choosing suitable insurance coverage that fits their needs. Anthony Insurance Agency has more than 30 years of experience in the insurance industry.

  • Life Insurance
  • Health Insurance
  • Term Life Insurance

6549 N Wickham Rd Unit 101, Melbourne, FL 32940
WebsiteLicense: L004476

Expertise.com Rating

Review Sources

Google
4.0 (81)
Facebook
5.0 (16)

Why choose this provider?

Williams & Stazzone Insurance Agency, Inc., offers a range of life insurance solutions in the Melbourne area. The company educates clients about individual and group life insurance plans and provides coverage for disability, long-term care, and key personnel. Its agents carry whole and term life insurance, which comes in level and annual renewable options. Williams & Stazzone Insurance Agency, Inc., began as a joint venture between Joseph Stazzone, Sr., Robert Williams, and Empire Fire & Maine Insurance Company (Zurich Programs) in 1989.

  • Life Insurance

2454 Minton Road, Melbourne, FL 32904
WebsiteLicense: L088583

Expertise.com Rating

Review Sources

Google
4.0 (18)

Why choose this provider?

The Florida Health Insurance Exchange is an independent insurance agency that serves the residents of Melbourne and the rest of Florida. It provides term life insurance as well as individual and group health insurance. It also offers Medicare Advantage insurance, Medicare Supplement plans, and regional PPOs. In addition, the agents from this firm carry dental insurance and accident insurance. The Florida Health Insurance Exchange works with multiple insurance providers, including Blue Cross and Blue Shield of Florida, Humana, and Cigna.

  • Life Insurance
  • Health Insurance

2955 Pineda Plaza Way, Melbourne, FL 32940
WebsiteLicense: L058978

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

The Huff Group, Inc., is a local and independent insurance broker serving clients in Melbourne and nearby cities. It is a family-owned and family-operated business that has been in the insurance industry for over 30 years. Its insurance agents have access to a wide range of carriers, enabling them to provide individuals with the right life insurance coverages. They can also assist in securing auto or commercial insurance. The Huff Group is affiliated with the FAIA.

  • Life Insurance

1299 Bedford Drive, Melbourne, FL 32940
WebsiteLicense: L101905

Expertise.com Rating

Review Sources

Google
4.0 (42)

Why choose this provider?

Steiner Insurance & Financial Services has been providing Melbourne with life insurance since 2013. It was founded by Matthew Steiner, an insurance professional who holds the CRPC designation. Additionally, the company operates with a needs-based approach when customizing policies to suit the client's financial circumstances. It handles other personal lines of products, such as home and auto insurance. Its supplemental insurance, on the other hand, includes accident, cancer, and disability policies. Furthermore, the company offers student loan solutions and retirement planning.

  • Life Insurance

1301 South Patrick Drive, Satellite Beach, FL 32937
WebsiteLicense: L004857

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Natwick Insurance, Inc., is a full-service company serving individuals and businesses in the Melbourne metro. The independent insurance agency has partnered with multiple carriers, such as Safeco Insurance, Travelers, Progressive, Protective, and Zurich. The company's insurance agents assist clients in processing their life insurance plans. They also carry home, business, classic car, motorcycle, and worker's compensation insurance. Owner and president Erik Natwick has been in the insurance industry for more than 19 years.

  • Life Insurance
  • Health Insurance

2332 North Highway A1A, Indialantic, FL 32903
WebsiteLicense: L095540

Expertise.com Rating

Review Sources

Google
4.0 (15)
Facebook
5.0 (5)

Why choose this provider?

Prime-One Insurance serves the Melbourne community with different types of personal insurance plans, including life insurance. Some other insurance programs it offers include boat and yacht, personal excess umbrella liability, recreational vehicle, condominium, and renters' insurance. In addition, Prime-One Insurance serves business owners with a variety of insurance solutions, including workers' compensation, cargo coverage, and commercial property insurance. This insurance agency based in Indialantic partners with different carriers to provide its clients with a wide selection of coverage options.

  • Life Insurance

14 Suntree Place, Melbourne, FL 32940
WebsiteLicense: L091976

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Foresight Wealth Solutions is a financial services company in Melbourne offering life insurance products to its clients. Its team of financial advisors conducts evaluations of its clients' needs and goals and assesses risks in order to find insurance providers and coverages for them. They have a broad range of life insurance options, including permanent, term, combination, and variable policies. Foresight Wealth Solutions also assists in retirement plans, investment strategies, emergency funds, and estate planning.

  • Life Insurance

1580 N Harbor City Blvd, Melbourne, FL 32935
WebsiteLicense: L000800

Expertise.com Rating

Review Sources

Google
4.8 (34)
Facebook
5.0 (7)

Why choose this provider?

Headquartered in Melbourne, Better Insurance Group is an independent agency that provides insurance solutions to individuals and businesses. It assists clients in choosing life insurance policies that suit their needs. The agency delivers insurance policies that secure clients' homes, rental properties, condominiums, cars, and boats. It also offers commercial insurance solutions that include business owner's policy, workers' compensation insurance, and business auto insurance. Elisa Wagers is the owner of the agency. She has over 20 years of insurance experience.

  • Life Insurance

1980 North Atlantic Avenue, Cocoa Beach, FL 32931
WebsiteLicense: L050006

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Brombacher Insurance is an independent agency that provides risk management solutions for Melbourne residents. It offers a number of insurance products, including life and disability insurance. It also provides group health plans with the help of its partner providers such as MetLife, Guardian, Cigna, and United Healthcare. Brombacher Insurance is headed by Dean Brombacher, who has Bachelor's and Master's degrees in healthcare administration. Dean was a former senior sales executive at Health First Health Plans.

  • Life Insurance
  • Health Insurance

190 McIver Lane, Rockledge, FL 32955
WebsiteLicense: P131187

Expertise.com Rating

Why choose this provider?

Financial Cornerstone Group is a life insurance agency serving residents and business owners in Melbourne. The firm provides a wide range of options for life insurance including term, whole, and universal policies. Disability income insurance and long-term care insurance products are also available. The business is owned by Beth Courtney, an insurance professional who has been working in the insurance industry for nearly 20 years. The company's team is knowledgeable in handling the needs of individual and commercial markets.

  • Life Insurance

7350 Shoppes Drive, Melbourne, FL 32940
WebsiteLicense: A001879

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Dan Adovasio is a State Farm insurance agent that serves customers residing in Melbourne, Viera, and nearby areas. Adovasio and his team of insurance agents provide life insurance products that meet clients' financial goals, needs, and budgets. Some life plans offered are term, universal, or whole life insurance. The term insurance gives protection to clients for a specific period, while whole and universal life policies deliver lifetime protection. The team also offer auto, homeowners', business, and health insurance plans.

  • Life Insurance
  • Health Insurance

1127 South Patrick Drive, Satellite Beach, FL 32937
WebsiteLicense: L096199

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Health Plan Marketplace helps clients in Melbourne find life insurance products that provide the protection they need. It leads people toward the coverage that will shield them at times of catastrophes and emergencies. Its agents guide individuals in picking life or term life plans by presenting the advantages and disadvantages of policies. They inform them about the features of death benefits, pre-need, and group policies. Health Plan Marketplace also provides health insurance coverage options, dental and vision plans, and Medicare plans.

  • Life Insurance

7341 Office Park Place, Melbourne, FL 32940
WebsiteLicense: L093224

Expertise.com Rating

Why choose this provider?

Borde is an independent insurance agency serving individuals, families, and businesses in the Melbourne area. The professionals in the company aim to find the coverage plan according to the client's situation. The company specializes in providing life insurance with living benefits, health plans, Medicare options, and dental and vision coverage. The business offers additional products, including long-term care and disability income coverage. Moreover, Borde is a member of the Cocoa Beach Regional Chamber of Commerce.

  • Life Insurance
  • Health Insurance

5005 North Wickham Road, Melbourne, FL 32940
WebsiteLicense: L052761

Expertise.com Rating

Review Sources

Google
4.7 (60)
Facebook
5.0 (31)
Yelp
5.0 (1)

Why choose this provider?

Hoffman & Associates Insurance Company is a family-owned and family-operated insurance agency that caters to clients in Melbourne and the surrounding areas. It offers life insurance products, which can include either cash value or death benefits. In addition, it provides business, commercial auto, health, homeowners', and vacation rental insurance plans. Hoffman & Associates Insurance Company is partnered with various insurance carriers, such as Assurant, The Hartford, and Travelers. The Hoffman family has been working in the insurance industry since 1964.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Atlantic Coast Insurance
2350 Minton Road, West Melbourne, FL 32904
Insurance Group of Florida
1900 South Harbor City Boulevard, Melbourne, FL 32901
COBIA Insurance Agency
4450 West Eau Gallie Boulevard, Melbourne, FL 32934
Melbourne Insurance
2210 Front Street, Melbourne, FL 32901
Anthony Insurance Agency
7331 Office Park Place, Melbourne, FL 32940
Williams & Stazzone Insurance Agency, Inc.
6549 N Wickham Rd Unit 101, Melbourne, FL 32940
The Florida Health Insurance Exchange
2454 Minton Road, Melbourne, FL 32904
The Huff Group, Inc.
2955 Pineda Plaza Way, Melbourne, FL 32940
Steiner Insurance & Financial Services
1299 Bedford Drive, Melbourne, FL 32940
Natwick Insurance, Inc.
1301 South Patrick Drive, Satellite Beach, FL 32937
Prime-One Insurance
2332 North Highway A1A, Indialantic, FL 32903
Foresight Wealth Solutions
14 Suntree Place, Melbourne, FL 32940
Better Insurance Group
1580 N Harbor City Blvd, Melbourne, FL 32935
Brombacher Insurance
1980 North Atlantic Avenue, Cocoa Beach, FL 32931
Financial Cornerstone Group
190 McIver Lane, Rockledge, FL 32955
Dan Adovasio
7350 Shoppes Drive, Melbourne, FL 32940
Health Plan Marketplace
1127 South Patrick Drive, Satellite Beach, FL 32937
Borde
7341 Office Park Place, Melbourne, FL 32940
Hoffman & Associates Insurance Company
5005 North Wickham Road, Melbourne, FL 32940

FAQs

  • Does Melbourne impose taxes on life insurance?

    No, payments from your Melbourne life insurance to your dependents upon your death are not taxable. Taxes must only be taken into account if you intend to use your permanent life insurance policy's cash value. For instance, the premiums you pay into a variable universal life insurance policy would not be taxed, but any capital gains would be.

  • In Melbourne, is it possible to have several life insurance policies?

    In Melbourne, you may get several life insurance policies from various firms. An owner of a small business could get two insurance policies: one to safeguard her family and another to pay for business loans or a buy-sell arrangement with a partner. Also, the level of coverage you are asking for may need to be justified, but usually, you may choose how much coverage you want.

  • What drives individuals to get life insurance coverage in Melbourne?

    Melbourne residents buy life insurance as a safety net to protect their loved ones from debt or a mortgage. Additionally, life insurance can assist their company partners and personnel in carrying on the enterprise in the case of their passing. Lastly, life insurance can assist heirs in paying taxes rather than selling assets for high net-worth persons with sizable estates that will incur estate taxes.

  • What main types of life insurance policies are available in Melbourne?

    Term life insurance and whole life insurance are the two main categories of insurance plans in Melbourne. Only if you pass away within the period of a term life insurance policy will your loved ones get a death benefit. In contrast, if you continue to make payments on a whole life insurance policy, it will stay in effect for the rest of your life and even offer cash value benefits.

  • How are life insurance premiums calculated in Melbourne?

    Underwriting, or the act of evaluating the risks posed by the insured, is a step in the process of some life insurance policies in Melbourne. Depending on the type of life insurance policy selected, the quantity of insurance coverage you need, your age, gender, and your risk category, premiums may change. Smoking, medical history, and dangerous hobbies or employment are additional factors that can affect cost.

  • 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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