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2024

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Best Life Insurance Companies in Palm Bay, FL

Our Recommended Top 16

We did the research for you!

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

5064Reviewed

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16Top 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
4.7 (44)

Why choose this provider?

Atlantic Coast Insurance is a Melbourne-based insurance company that caters to residents of Palm Bay. It employs a team of insurance agents with over 30 years of combined experience, serving both first-time and long-time policyholders. The company offers term-life and whole-life policies that range from $50,000 to $1 million in coverage. It can also provide final expenses to cover funerals, hospital bills, and income replacement. Atlantic Coast Insurance has served over 20,000 clients and worked with carriers like Progressive, Safeco, and Florida Peninsula.

  • Life Insurance

134 5th Avenue, Indialantic, FL 32903
WebsiteLicense: L057139

Expertise.com Rating

Review Sources

Google
4.0 (85)
Facebook
4.8 (16)

Why choose this provider?

Robinson Insurance is an insurance agency serving Palm Bay. It offers various insurance lines such as life, health, home, and automobile insurance. Its life insurance products include whole, universal, level term, and disability insurance as well as group life and qualified retirement plans. Robinson Insurance has been owned and operated by the Robinson family for more than 55 years. Fred Robinson, the president, leads a staff with over 150 years of combined experience in the insurance industry.

  • Life Insurance
  • Health Insurance

6450 Anderson Way, Melbourne, FL 32940
WebsiteLicense: L002788

Expertise.com Rating

Review Sources

Google
4.0 (81)

Why choose this provider?

Space Coast Insurance Agency, LLC, is an independent, multi-line insurance provider that serves clients in Palm Bay and its surrounding areas. Among other personal lines of insurance, the firm offers life insurance policies in both term and universal plans. As an independent agency, it sources its products from multiple carriers. Founded in 2005, the firm is a local Trusted Choice® Independent Florida Insurance Agency. Its personal lines account managers have extensive industry experience ranging from 20 to more than 40 years.

  • Life Insurance

728 Lincoln Avenue, Melbourne, FL 32901
WebsiteLicense: R001480

Expertise.com Rating

Review Sources

Google
4.5 (44)

Why choose this provider?

Alpine Insurance Agency, Inc., serves the Palm Bay metro and its surrounding communities with insurance products and services. It has over 34 years of experience helping clients protect themselves with life insurance coverages. Its team of agents assesses the needs of every client and finds the most suitable policies that match them. The company also handles insurance products that range from home and auto insurance to business and commercial lines. It specializes in hard-to-place insurance and procures tailored solutions for clients with difficult risks.

  • Life Insurance

474 North Harbor City Boulevard, Melbourne, FL 32935
WebsiteLicense: L008843

Expertise.com Rating

Review Sources

Google
4.0 (151)
Facebook
4.0 (17)

Why choose this provider?

Kim Osman Insurance Group is an insurance agency that serves clients in Palm Bay. It offers life insurance coverage from several insurance carriers, such as Chubb, Hagerty, and Nationwide, to ensure that beneficiaries have financial security in the event of an untimely death. The agency also covers insurance products for automobiles, recreational vehicles, renters, and homeowners. Owner Kim Osman started her career in insurance in 1988 as a producer and manager for Eddie Watson Insurance. She established Kim Osman Insurance Group in 2004.

  • Life Insurance

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

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (13)

Why choose this provider?

Insurance Group of Florida is an independent insurance agency that serves individuals, families, and businesses in the Palm Bay metro. It helps clients prepare financial protection for their dependents by offering term and whole life insurance policies. Moreover, it offers auto, commercial, home, recreational vehicle, and umbrella insurance products. Some of the insurance carriers it works with are Chubb Limited, MetLife, and Safeco Insurance. Insurance Group of Florida focuses on customer service by providing personalized advice and insurance solutions.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

2240 North Wickham Road, Melbourne, FL 32935
WebsiteLicense: A209309

Expertise.com Rating

Review Sources

Google
4.0 (166)
Facebook
5.0 (14)

Why choose this provider?

Eric Ponce is a State Farm insurance agent servicing Palm Bay and the surrounding communities. Since 1990, he has been providing term, whole, and universal life insurance coverage options to individuals and their families. These policies are also available for small businesses, which can contribute to business continuation, key employees, employee benefits, and key employee incentives. Moreover, Ponce specializes in business, home, auto, and health insurance. His services are available in English, Spanish, and American Sign Language.

  • Life Insurance
  • Health Insurance

1580 North Harbor City Boulevard, Melbourne, FL 32935
WebsiteLicense: L000800

Expertise.com Rating

Review Sources

Google
4.9 (39)

Why choose this provider?

Since 2014, Better Insurance Group has been serving the residents of Palm Bay and the neighboring areas. The independent agency works with multiple carriers to provide different life coverage plans to its clients and assists them in evaluating these life insurance options. Its team of professionals has a combined experience of 50 years, which aids its customers in finding policies that fit their budgets and needs. Better Insurance Group also offers auto and motorcycle, home, business, and umbrella insurance.

  • Life Insurance

1900 Palm Bay Road Northeast, Palm Bay, FL 32905
WebsiteLicense: L086795

Expertise.com Rating

Review Sources

Google
4.0 (29)
Facebook
5.0 (5)

Why choose this provider?

Access One Insurance helps individuals and families in Palm Bay by handling their insurance needs. Its team of insurance agents specializes in life insurance products that provide financial security for clients and their dependents. It also has various health insurance services, including Medicare, dental, vision, and group plans. In addition, Access One Insurance assists individuals who prefer having emergency insurance services to cover the expenses of unexpected medical and hospital bills if accidents or critical illnesses occur.

  • Life Insurance
  • Health Insurance
  • Individual Plans

2815 West New Haven Avenue, West Melbourne, FL 32904
WebsiteLicense: A194929

Expertise.com Rating

Review Sources

Google
4.3 (17)
Facebook
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Dan Odom is a State Farm insurance agent serving families and businesses in Palm Bay. Odom works with a team of professionals to help clients make the most of their life, auto, home, and property insurance policies. They assist clients in preparing for unexpected incidents that may impact their finances. This team is also knowledgeable about term, whole, and universal life insurance and can guide customers in selecting the plan that addresses their needs. Dan Odom also serves Spanish-speaking individuals.

  • Life Insurance
  • Health Insurance

1627 U.S. 1, Sebastian, FL 32958
WebsiteLicense: L029731

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

National Insurance Services of North America is a Florida-based insurance company serving clients in Palm Bay and nearby communities. The firm specializes in life insurance, assisting individuals and families in choosing the right policies for their medical needs. As an independent insurance agency, its agents shop for varying insurance options among multiple providers. Its life insurance products include term life, final expense life, and high-risk life insurance. The company also offers health insurance and Medicare benefits. It caters to beneficiaries aged 0 to 85.

  • Life Insurance
  • Health Insurance

277 Malabar Road, Palm Bay, FL 32907
WebsiteLicense: L091690

Expertise.com Rating

Review Sources

Google
5.0 (135)
Facebook
5.0 (30)

Why choose this provider?

Sarpoolaki Insurance Center is a family-owned and family-operated independent insurance agency that has been serving individuals, families, and businesses in Palm Bay for more than 30 years. It offers term life insurance and permanent life insurance plans. It also provides fee-for-service health insurance, managed care health insurance, automotive insurance, and homeowners' insurance. In addition, it carries general liability life insurance, which covers bodily injury, property damage, and contractual liability. Sarpoolaki Insurance Center also provides workers' compensation insurance.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

6050 Babcock Street Southeast, Palm Bay, FL 32909
WebsiteLicense: 016158

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

With over 25 years of expertise, Advanced Insurance Net caters to residential and commercial customers in Palm Bay and the surrounding areas. Christopher Roth and Amy Langston provide life and health insurance policies. They also assist individuals looking for insurance plans for homeowners and renters, flood and hurricane, auto, boats, and recreational vehicles. Their team of professionals is dedicated to providing clients a safety net for their families and assets.

  • Life Insurance
  • Health Insurance

452 North Harbor City Boulevard, Melbourne, FL 32935
WebsiteLicense: L035562

Expertise.com Rating

Review Sources

Google
4.3 (27)

Why choose this provider?

All Brevard Insurance is an independent agency that offers protection and insurance coverage for its clients’ personal, recreational, and commercial needs. It serves clients in the Palm Bay metro and its surrounding areas. The company offers homeowners’ insurance, auto insurance, personal umbrella insurance, and life insurance products. Other products include business interruption insurance, workers’ compensation insurance, commercial auto insurance, general liability insurance, and additional coverage for existing plans. All Brevard Insurance hosts agents who can answer queries in English and Spanish.

  • Life Insurance

990 U.S. 1, Sebastian, FL 32958
WebsiteLicense: 086479

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
1.0 (1)

Why choose this provider?

KE Insurance Agency is an insurance brokerage that offers an array of risk management strategies to clients in Palm Bay. Its solutions include life insurance and retirement policies as well as coverage for homeowners and automobiles. Additionally, it provides health insurance options and business policies, including general liability, commercial property coverage, and workers' compensation. The company is family-owned and has been in the business since 1992. It serves families and businesses throughout Florida with four offices across the state.

  • Life Insurance
  • Health Insurance

200 South Harbor City Boulevard, Melbourne, FL 32901
WebsiteLicense: W412132

Expertise.com Rating

Review Sources

Google
5.0 (55)
Facebook
5.0 (8)

Why choose this provider?

Christian Colby is an insurance agent serving clients in Palm Bay and the nearby areas. He currently works for the USHealth Group, an insurance company affiliated with UnitedHealthcare. Colby offers insurance coverage tailored to meet the clients' needs and financial situations, such as life, health, dental, and vision insurance. He also carries specified disease coverage, short-term medical plans, and accident plans. The coverages that he provides are underwritten by various companies like the Freedom Life Insurance Company of America.

  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Atlantic Coast Insurance
2350 Minton Road, West Melbourne, FL 32904
Robinson Insurance
134 5th Avenue, Indialantic, FL 32903
Space Coast Insurance Agency, LLC
6450 Anderson Way, Melbourne, FL 32940
Alpine Insurance Agency, Inc
728 Lincoln Avenue, Melbourne, FL 32901
Kim Osman Insurance Group
474 North Harbor City Boulevard, Melbourne, FL 32935
Insurance Group Of Florida
1900 South Harbor City Boulevard, Melbourne, FL 32901
Eric Ponce
2240 North Wickham Road, Melbourne, FL 32935
Better Insurance Group
1580 North Harbor City Boulevard, Melbourne, FL 32935
Access One Insurance
1900 Palm Bay Road Northeast, Palm Bay, FL 32905
Dan Odom
2815 West New Haven Avenue, West Melbourne, FL 32904
National Insurance Services of North America
1627 U.S. 1, Sebastian, FL 32958
Sarpoolaki Insurance Center
277 Malabar Road, Palm Bay, FL 32907
Advanced Insurance Net
6050 Babcock Street Southeast, Palm Bay, FL 32909
All Brevard Insurance
452 North Harbor City Boulevard, Melbourne, FL 32935
K E Insurance Agency
990 U.S. 1, Sebastian, FL 32958
Christian Colby
200 South Harbor City Boulevard, Melbourne, FL 32901

FAQs

  • What is the difference between term life insurance and permanent life insurance in Palm Bay?

    In Palm Bay, term life insurance covers you for a set duration and grants a payout if you pass away within this period. It's a good fit for temporary coverage needs with clear endpoints. On the other hand, permanent insurance ensures lifelong protection, paying the full face amount as long as you keep up with premiums and avoid loans, surrenders, or withdrawals. It accumulates cash value and is priced for long-term retention due to its lifetime coverage.

  • What is material misrepresentation in Palm Bay?

    Material misrepresentation in Palm Bay refers to knowingly omitting, concealing, or providing false information during the insurance application. This information, if known to the insurer, would significantly impact the contract's nature. However, insurance companies often use material misrepresentation as an excuse to deny life insurance claims.

  • What choices do beneficiaries in Palm Bay have if a life insurance policy is misplaced or lost?

    If someone in Palm Bay is struggling to locate a life insurance policy belonging to a deceased loved one, he or she should reach out to the following entities:

    • Florida Department of Financial Services.
    • Financial consultants.
    • Former employer.
    • The insurance company of the policyholder or all potential insurance providers. Engaging a lawyer to aid in the search for the deceased's life insurance policy is also a recommended course of action.
  • Can a life insurance beneficiary designation that names a spouse be altered due to divorce in Palm Bay?

    In Palm Bay, the designation of an ex-spouse as a beneficiary for a life insurance policy is rendered invalid immediately after a divorce. The insured individual must reconfirm the ex-spouse as the designated beneficiary after the divorce if the separating parties wish to maintain this beneficiary arrangement. This situation often arises when a court mandates the insured individual to carry life insurance to ensure the payment of child support or spousal support.

  • In what way can life insurance function as an investment in Palm Bay?

    While Palm Bay life insurance isn't a traditional investment, policies like whole life and universal life come with an investment feature, enabling wealth accumulation with tax deferment. This makes life insurance a strategic choice, especially for retirement planning. You can deposit funds into a cash-value account, allowing tax-deferred growth and potential tax reduction through loans.

  • 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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