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2025

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Best Life Insurance Companies in Miami Beach, FL

Our Recommended Top 18

We did the research for you!

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

4106Reviewed

2470Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Miami Beach
2018 Northeast 164th Street, North Miami Beach, FL 33162
Visit WebsiteLicense: P163782

Expertise.com Rating

Review Sources

Google
4.0 (23)
Facebook
5.0 (1)

Why choose this provider?

Rodrigo Planter is a State Farm insurance agent that operates in Miami Beach and its nearby communities. He and his team can assist clients in acquiring a variety of coverage plans, such as life, health, home, property, and business insurance. His selection of life insurance policies includes term, universal, and whole-life insurance. In addition, he can assist clients in changing their life insurance policy or its associated beneficiaries. Rodrigo can accommodate clients who speak Spanish, Portuguese, or English.

  • Life Insurance
  • Health Insurance
  • Individual Plans

Best Life Insurance Companies Serving Miami Beach
14707 South Dixie Highway, Miami, FL 33157
Visit WebsiteLicense: R002928

Expertise.com Rating

Why choose this provider?

All Star Capital Group, Inc., is a local source of insurance solutions and financial planning services in Miami Beach. Life insurance is among the products the agency offers to its clients. It also handles supplemental policies, including fixed indexed annuities, disability, and health insurance plans. Moreover, the insurance professionals at All Star Capital Group are equipped to custom-design coverage and protection for their clients and their individual needs through their access to a wide range of carriers.

  • Life Insurance
  • Long Term Care

Best Life Insurance Companies Serving Miami Beach
6801 Northwest 77th Avenue, Miami, FL 33166
Visit WebsiteLicense: L085886

Expertise.com Rating

Review Sources

Facebook
4.0 (42)

Why choose this provider?

LG Insurance and Financial Services is a family-owned business serving the Miami Beach metro and surrounding areas. It is a full-service independent insurance agency that provides life insurance coverages. The insurance professionals from the company also help clients acquire health, homeowners, auto, and commercial or business insurance plans. They work with different carriers in customizing insurance coverages. LG Insurance and Financial Services was established in 2005 by Leonard and Emily Garcia to help members of the community with their insurance needs.

  • Life Insurance

Best Life Insurance Companies Serving Miami Beach
1881 West Flagler Street, Miami, FL 33135
Visit WebsiteLicense: L093757

Why choose this provider?

Digital New Age helps families in Miami Beach obtain suitable life or health insurance plans through its partnership with over 40 insurance carriers. Its agents work closely with clients to determine the coverage amounts that meet their requirements, considering factors such as lifestyle and savings. They also educate clients about the differences between term and whole life insurance. The partners of Digital New Age carry over 50 years of collective experience in annuities, auto insurance, and life insurance.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
3350 South Dixie Highway, Miami, FL 33133

Why choose this provider?

Risk Strategies is a company serving Miami Beach and surrounding communities. Since 1997, it has been offering term and whole life insurance solutions to businesses for disability, long-term care, and corporate and personal life. These serve as income protection, retirement planning, and customized employer-sponsored leadership and executive benefits programs. Its team also specializes in international liability, captive insurance, and surety bonds. The company works with clients in various industries including fine art, aviation, and law firm. Chairman Mike Christian holds ARM, CLU, and CPCU designations.

  • Life Insurance

Best Life Insurance Companies Serving Miami Beach
80 Southwest 8th Street, Miami, FL 33130
Visit WebsiteLicense: L016811

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Yelp
4.0 (4)

Why choose this provider?

Docktor's Insurance is an independent agency offering life insurance policies to clients in Miami Beach. Its provided coverage includes universal, guaranteed level term, no medical exam, and accidental life insurance. It also offers health insurance coverage such as individual and family, student, travel, and dental. In business since 2005, Docktor's Insurance has carriers such as MetLife, Prudential, and American General. Founder Josh Docktor draws his insurance expertise from his background as a former stock broker and financial adviser for Morgan Stanley Dean Witter and MetLife.

  • Health Insurance
  • Individual Plans
  • Whole Life Insurance

Best Life Insurance Companies Serving Miami Beach
2525 Ponce de Leon, Coral Gables, FL 33134
Visit WebsiteLicense: L102737

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (1)

Why choose this provider?

Sora Global is an insurance agency based in Coral Gables. It offers its insurance services to individuals and businesses in the Miami Beach area. The agency provides life insurance products that help clients' children go to college, pay off mortgages, and settle any remaining debt. It also handles private client coverage, which includes collectors insurance, domestic workers' compensation, private aviation insurance, personal excess liability, and luxury automotive insurance. Sora Global meets with every client to review and compare the available insurance options.

  • Health Insurance
  • Group Plans

Best Life Insurance Companies Serving Miami Beach
800 71st Street, Miami Beach, FL 33141
Visit WebsiteLicense: R036007

Expertise.com Rating

Review Sources

Google
4.8 (8)

Why choose this provider?

A&T Insurance Brokerage is an insurance agency that serves clients in and around Miami Beach. The company offers life, health, and disability insurance products for individuals and small groups. Its other insurance products include automobile, home, and business insurance. As an independent insurance company, A&T Insurance Brokerage has access to different insurance providers, including Progressive, Mercury Insurance, Blue Cross, and Gainsco. The firm's agents can communicate with clients who speak English, Spanish, French, and German.

  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
17038 Collins Avenue, Sunny Isles Beach, FL 33160
Visit WebsiteLicense: L062915

Expertise.com Rating

Review Sources

Google
4.0 (164)
Facebook
4.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Alltrust Insurance Group is an insurance agency that serves Miami Beach. It offers term life insurance policies, which provide financial security to beneficiaries in the event of an unexpected death by covering loss of income, college tuition, short-term debts, and mortgage loans. The agency also helps clients obtain insurance products for boats, commercial vehicles, and workers' compensation. Leonardo Cicare, the company president, founded the agency in 2000. It has expanded its client base in a span of 15 years.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
12360 Southwest 132nd Court, Miami, FL 33186
Visit WebsiteLicense: L007260

Expertise.com Rating

Review Sources

Google
4.0 (23)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Rivero Insurance Group is a family-owned and family-operated insurance and risk management firm that serves residential and commercial clients in Miami Beach and its surrounding areas. It offers a comprehensive range of insurance products, including life and health insurance, home and property insurance, and automobile coverage. The firm's owner, Edwin M. Rivero, has extensive experience in insurance underwriting for homes and businesses. This background has enabled him to provide intermediary services between insurance companies and his clients.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
3191 Coral Way, Miami, FL 33145
Visit WebsiteLicense: L097559

Expertise.com Rating

Review Sources

Google
4.0 (1841)
Facebook
5.0 (43)

Why choose this provider?

Quintero & Partners is an insurance and financial firm representing American Income Life. Serving Miami Beach clients, it offers term and whole life insurance products to help individuals protect their families. A terminal illness rider plan can also be added to the policy as an accelerated benefit. Its website is equipped with a service center where policyholders manage their accounts for different purposes such as bank draft authorization, beneficiary change, and downloading a series of forms. Moreover, the agency accommodates English-speaking and Spanish-speaking clients.

  • Life Insurance

Best Life Insurance Companies Serving Miami Beach
2200 Southwest 16th Street, Miami, FL 33145
Visit WebsiteLicense: A003477

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Miami International Insurance Agency delivers a wide range of personal and commercial insurance lines to clients in Miami Beach and the surrounding localities. The company assists individuals seeking the right life insurance plan based on their current circumstances and financial goals. The team also affiliates itself with multiple providers that can offer coverage options for term life and whole life insurance. Moreover, it offers individual dental insurance. The agency has been insuring individuals and businesses since 1983.

  • Life Insurance

Best Life Insurance Companies Serving Miami Beach
12934 Southwest 120th Street, Miami, FL 33186
Visit WebsiteLicense: P045800

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Serving Miami Beach, Gold Medal Insurance is an independent agency offering an array of insurance solutions to individuals, families, and businesses in the metro. It offers insurance products such as life insurance, health insurance, and home insurance. The company also has other insurance service options like business insurance, auto insurance, and recreational insurance. Gold Medal Insurance was established in 2015. It has a strong focus on customizing insurance coverages to meet the needs of its clientele.

  • Life Insurance

Best Life Insurance Companies Serving Miami Beach
10709 Southwest 104th Street, Miami, FL 33176
Visit WebsiteLicense: L062196

Expertise.com Rating

Review Sources

Google
4.0 (16)
Yelp
4.0 (12)

Why choose this provider?

Jimmy Burkhart is a State Farm insurance agent that serves clients in the Miami Beach community. He offers life insurance policies and options, such as term life, whole life, and universal life insurance. He can also assist clients with changing their policy and beneficiary in their existing life insurance coverage. Burkhart has been working for State Farm since 2001. His team of insurance agents holds over 100 years of combined experience in the industry, and they intend to help clients achieve their life insurance goals.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
1221 Brickell Avenue, Miami, FL 33131
Visit WebsiteLicense: L092693

Expertise.com Rating

Review Sources

Facebook
4.0 (22)
Google
5.0 (1)

Why choose this provider?

MassMutual Miami is an independent insurance agency that offers insurance and financial advisory services to organizations and individual clients in Miami Beach. The company was formed in 1999 in Coral Gables and is composed of insurance brokers and financial experts that are licensed to practice in both Florida and California. Its life insurance products include term life, permanent life, universal life, and variable universal life insurance policies. It also provides wealth management and retirement planning services.

  • Life Insurance
  • Long Term Care

Best Life Insurance Companies Serving Miami Beach
1810 Northeast Miami Gardens Drive, Miami, FL 33179
Visit WebsiteLicense: R007954

Expertise.com Rating

Review Sources

Google
4.0 (32)
Facebook
5.0 (7)
Yelp
3.5 (3)

Why choose this provider?

Skylake Insurance is an independent company that delivers insurance solutions to families, individuals, and business owners in the Miami Beach area and the surrounding communities. In addition to life insurance, it helps clients acquire other personal and business plans, such as health, home, vehicle, workers' compensation, and commercial property insurance. The company works with multiple insurance companies in creating personalized coverages suited to clients' preferences and needs. Skylake Insurance has been providing insurance solutions since 1996.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
151 North Nob Hill Road, Plantation, FL 33324
Visit WebsiteLicense: L102652

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

American Hebrew Insurance’s agents handle the policy needs of Miami Beach residents. The firm provides life insurance solutions to protect clients and their families in difficult times. It also provides a range of products such as health and auto insurance policies. In addition, the agency offers real estate property coverage for single-family homes, multi-family dwellings, condos, and renters. Also available are commercial plans like business crime and vandalism coverage, professional liability, and business personal property. American Hebrew Insurance has a strong focus on helping its clients make educated decisions about protecting their assets.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Miami Beach
801 Brickell Avenue, Miami, FL 33131
Visit WebsiteLicense: L091552

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (4)

Why choose this provider?

Garrel Financial & Insurance Services is a financial services firm that serves clients in Miami Beach. It offers whole, term, universal, survivorship, and variable universal life insurance policies that provide financial security to beneficiaries in the event of an untimely death. The firm also represents several companies, including New York Life and Advanced Planning Group. From 2014-2021, founder and principal Joseph Garrel, has qualified for the Million Dollar Round Table. He also works as a financial advisor for Eagle Strategies LLC.

  • Life Insurance
  • Long Term Care

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Rodrigo Planter
2018 Northeast 164th Street, North Miami Beach, FL 33162
All Star Capital Group, Inc.
14707 South Dixie Highway, Miami, FL 33157
LG Insurance and Financial Services
6801 Northwest 77th Avenue, Miami, FL 33166
Digital New Age
1881 West Flagler Street, Miami, FL 33135
Risk Strategies
3350 South Dixie Highway, Miami, FL 33133
Docktor's Insurance
80 Southwest 8th Street, Miami, FL 33130
Sora Global
2525 Ponce de Leon, Coral Gables, FL 33134
A&T Insurance Brokerage
800 71st Street, Miami Beach, FL 33141
Alltrust Insurance Group
17038 Collins Avenue, Sunny Isles Beach, FL 33160
Rivero Insurance Group
12360 Southwest 132nd Court, Miami, FL 33186
Quintero & Partners
3191 Coral Way, Miami, FL 33145
Miami International Insurance Agency
2200 Southwest 16th Street, Miami, FL 33145
Gold Medal Insurance
12934 Southwest 120th Street, Miami, FL 33186
Jimmy Burkhart
10709 Southwest 104th Street, Miami, FL 33176
MassMutual Miami
1221 Brickell Avenue, Miami, FL 33131
Skylake Insurance
1810 Northeast Miami Gardens Drive, Miami, FL 33179
American Hebrew Insurance
151 North Nob Hill Road, Plantation, FL 33324
Garrel Financial & Insurance Services
801 Brickell Avenue, Miami, FL 33131

Miami Beach, FL Life Insurance FAQs

  • Which types of life insurance coverage are available to City of Miami Beach employees?

    Miami Beach City employees can opt for voluntary coverage for both themselves and their dependents through Unum. Employee and spouse voluntary life insurance automatically includes accidental death and dismemberment insurance at the same coverage level as voluntary life insurance. The city also allows eligible full-time employees to enroll in voluntary short-term disability coverage, which is also accessible through Unum.

  • Which types of insurance policies are suitable for young and expanding families and households planning for retirement in Miami Beach?

    A young and expanding family residing in Miami Beach might consider term life insurance for their starter home. Term life insurance offers lower premiums and affordability, which is crucial for young families with limited financial resources. On the other hand, households planning for retirement may choose to explore whole, universal, or variable life insurance policies.

  • Which type of life insurance policy is used as part of the estate planning strategies of Miami Beach residents?

    Residents of Miami Beach can incorporate survivorship insurance into their estate planning and wealth transfer strategies, also known as second-to-die insurance. This protects two people, usually a married couple. However, the death benefit is only distributed to beneficiaries once both insured individuals have passed away. In addition, the policy offers beneficiaries a way to settle estate taxes without liquidating the policyholders' personal assets.

  • How does the cash value component of a Miami Beach universal life insurance work?

    A universal life insurance policy's cash value account is created when part of every premium payment is allocated to a distinct account within the policy. This account accrues interest, which is attributed to a fixed interest rate controlled by a Miami Beach carrier with a guaranteed minimum rate of 2%. Additionally, a variable rate associated with the performance of underlying investments, such as stocks and bonds, determines the returns on this account.

  • Does a variable universal life policy have a cash value component that can increase over time and contribute to the financial security of individuals living in Miami Beach?

    No. Rather than establishing a cash value for savings, a variable universal life insurance policy allocates its value into professionally managed funds. Consequently, Miami Beach policyholders bear the responsibility of monitoring their investments and the associated risks. This life insurance variant offers individuals the flexibility of universal life insurance while enabling them to potentially capitalize on economic growth in the stock market.

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