Florida Life Insurance [2024]
Florida life insurance offers residents a 10-day free look period, 30-day grace period, a timely payment of death benefit claims, a guarantee on death benefit claims, and protection of private information.
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Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Founder & Life Insurance Agent
UPDATED: Jan 3, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jan 3, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
We offer Florida residents life insurance from several of the best FL life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect a variance with your Florida life insurance rates.
However, this guide should help you understand the differences in Florida life insurance as well as find resources in your state. We’ll also provide you with a list of life insurance companies in Florida.
Before we dive into this guide, find affordable Florida life insurance rates by clicking on our FREE quote tool above. Getting various quotes from different companies can be a great way to find the best rate.
Florida Life Insurance Quotes
If you’re looking for a life insurance company in Florida, we offer suggestions from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state. Below we’ll cover a few life insurance terms that you should familiarize yourself with to make the process easier.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
Florida life insurance also offers residents a 10-day free look period, 30-day grace period, a timely payment of death benefit claims, a guarantee on death benefit claims, and protection of private information.
Your life insurance quotes are always free.
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Life Insurance Rates in Florida
You may be wondering what to expect with Florida life insurance rates. In the chart below, you’ll find what the best life insurance companies in Florida charge based on age, marital status, and gender for non-smokers. However, it’s possible that your rates will be different, especially if you smoke.
You can also see how many life insurance companies there are in Florida versus the other southern states.
According to the chart, there are nine Florida life insurance companies that specifically do business within the state. So, chances are, those nine companies will offer the best life insurance in Florida. That also means more Florida life insurance policy options for you.
Check out our free quote tool on this page to find out exactly what your FL life insurance quotes will be.
Read more:
Florida Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits. (For more information, read our “How to Sell Your Life Insurance Policy“).
In Florida, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
Florida Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Florida life insurance claims and other related matters.
Guaranty Association
If you need information about a Florida life insurance or health insurance guaranty, contact the Florida Life & Health Insurance Guaranty Association at 1-904-398-3644 or visit their website.
Insurance Department
For the latest updates about Florida life insurance, contact the Florida Office of Insurance Regulation by phone at 1-850-413-3140 or visit their website.
You can also obtain access to the Florida Department of Insurance company search and the Florida insurance license background check for any agent or life insurance provider. The license background check will include important information about the status of their 2-14 life insurance license in Florida.
If you’re interested in licensing information for a health insurance provider, the Florida Office of Insurance Regulation is your source for up-to-date information on any provider’s Florida health insurance license 2-40.
Legal Info
QuickQuote is licensed to sell life insurance in Florida under Agency License Number L006551.
The licensed company principal is Tim Bain, Agent License Number D068808.
Your life insurance quotes are always free.
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Florida Life Insurance Companies
The following is a list of Florida life insurance companies that you would be able to research:
- American General Life Insurance Company
- Banner Life Insurance Company
- Fidelity Life Association
- Haven Life / MassMutual
- John Hancock Life Insurance Company
- Lincoln National Life Insurance Company
- Metlife Life Insurance Company
- North American Company for Life & Health Insurance
- Pacific Life & Annuity Company
- Principal Life Insurance Company
- Protective Life Insurance Company
- Pruco Life Insurance Company (Prudential)
- Sagicor Life Insurance Company
- The Savings Bank Life Insurance Company of Massachusetts (SBLI)
- Transamerica Life Insurance Company
- United of Omaha Life Insurance Company
Want to compare auto insurance companies to find the best Florida life insurance company for you? Just enter your ZIP code into our free comparison tool to get started.
Frequently Asked Questions
What is the free look period for Florida life insurance?
Florida life insurance offers residents a 10-day free look period, during which policyholders can review their policy and cancel it if they are not satisfied. This allows individuals to make an informed decision without any obligation.
Is there a grace period for Florida life insurance?
Yes, Florida life insurance policies typically come with a 30-day grace period. During this time, policyholders have the opportunity to make their premium payment even if it’s past the due date. This helps ensure that coverage remains in force even if there is a delay in payment.
Are death benefit claims paid in a timely manner?
Yes, Florida life insurance companies strive to provide timely payment of death benefit claims. This means that when a valid claim is submitted, the insurance company processes it efficiently and pays out the death benefit to the beneficiaries as soon as possible.
Are Florida life insurance death benefit claims guaranteed?
Yes, Florida life insurance policies typically come with a guarantee on death benefit claims. This means that as long as the policy requirements are met, the insurance company is obligated to pay the death benefit to the beneficiaries upon the insured person’s passing.
How is private information protected with Florida life insurance?
Florida life insurance companies prioritize the protection of private information. They employ various security measures, including encryption technology such as SHA-256, to safeguard personal and sensitive data provided by policyholders. This helps ensure the confidentiality and integrity of the information shared during the application and claims process.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Tim Bain
Founder & Life Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Founder & Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
