Florida’s life insurance laws are governed by Title 37 of the Florida Statutes (Chapters 624 to 651).
- 14-day free look period (FL Stat Ann. 626.99)
- 30-day grace period (FL 627.453)
- Companies are required to add interest payments to the total benefit, beginning from the day when the company receives written proof of death (FL 627.4615)
- Guarantees up to $300,000 for lost policy benefits (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Georgia’s life insurance laws and Hawaii’s life insurance laws are nearly identical to those of Florida).
How Much Is A $10,000 Whole Life Policy In Florida?
The table below shows the rates by age of $10,000 of whole life insurance in Florida.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.63 | $17.10 | $13.71 | $16.24 |
| 25 | $16.21 | $18.59 | $14.90 | $17.64 |
| 30 | $17.56 | $20.10 | $16.66 | $18.78 |
| 35 | $18.80 | $21.87 | $17.43 | $20.60 |
| 40 | $21.40 | $25.30 | $19.45 | $23.65 |
| 45 | $23.50 | $29.19 | $22.65 | $27.64 |
| 50 | $27.22 | $33.86 | $24.51 | $31.52 |
| 55 | $32.14 | $40.01 | $28.15 | $36.52 |
| 60 | $38.94 | $47.13 | $32.98 | $42.74 |
| 65 | $47.98 | $58.56 | $40.98 | $50.70 |
| 70 | $60.78 | $71.20 | $52.85 | $60.18 |
| 75 | $97.32 | $133.13 | $71.23 | $94.86 |
| 80 | $134.30 | $182.52 | $98.25 | $136.09 |
| 85 | $187.59 | $258.34 | $131.74 | $192.91 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Life Assurance In Miami
Miami, often heralded as the “Magic City,” is a vibrant, sun-drenched metropolis nestled at the southeastern tip of Florida. Renowned for its stunning beaches, lively Latin-American culture, and dynamic nightlife, Miami serves as a melting pot of diverse cultures and traditions. With its inviting tropical climate, world-class dining, and thriving arts scene, including the famous Art Deco Historic District in South Beach, Miami attracts visitors and residents alike seeking its unique blend of relaxation and excitement. Beyond its picturesque coastlines and bustling city life, Miami also boasts an array of outdoor activities, from boating and fishing in the crystal-clear waters to exploring the lush landscapes of the Everglades National Park. A hub of international trade and tourism, Miami effortlessly combines the allure of a coastal paradise with the sophistication of an urban center, making it a must-visit destination and a cherished home for those who live there.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Get Life Insurance Miami | 9099 NW 15th St | +14074760513 |
| Claudia Avalos Agente | 701 Brickell Ave Suite 1550 | +19157772837 |
| The Fortune Tribe, LLC | 1749 NE Miami Ct | +17868819801 |
| Arena Insurance Agency | 2757 NW 36th St | +13052513312 |
| Life Insurance Services | 1918 W Flagler St b | +17863063918 |
| Flow International | 520 Brickell Key Dr STE O201 | +13057754065 |
| Veronica Bonilla, New York Life Insurance | 801 Brickell Ave Ste 1440 | +13054961044 |
| Insurance of South Florida | 11836 NW 10th Ave | +13054771717 |
| VIVA INSURANCE GROUP | 12145 NW 7th Ave | +15614258585 |
Best Coverage In Jacksonville
Jacksonville, Florida is a vibrant city that offers a unique blend of urban sophistication and untamed natural beauty. It is the largest city by area in the contiguous United States and boasts an abundant shoreline, with miles of pristine beaches and waterways. This bustling metropolis is also home to a thriving arts scene, diverse culinary delights, and a rich cultural history. From exploring the vast network of parks and ecological preserves to attending top-notch sporting events and concerts, Jacksonville offers a myriad of activities for residents and visitors alike. With its warm climate, welcoming community, and endless opportunities for adventure, Jacksonville truly is a dynamic destination that combines the best of both worlds.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| All About Insurance | 6950 Philips Hwy Unit 34 | +19042605306 |
| FamilyLifeQuote | 4145 Shirley Ave STE 1 | +19048005559 |
| Square One Financial Group LLC- Life Insurance Agency | 5011 Gate Pkwy Bldg. 100, Suite 100 | +18333530375 |
| Roy Lovitt Health and Life Insurance Agency | 10199 Southside Blvd #100 | +19046353670 |
| WESLEY HALL at Comparion Insurance Agency | 8789 San Jose Blvd Ste 110 | +18509076046 |
| Nicole Bush, Bankers Life Agent | 6620 Southpoint Dr S Ste 400 | +19043985769 |
| PHP AGENCY | 476 Riverside Ave | +19048787198 |
| Evgeniya Frolova, Bankers Life Agent | 6620 Southpoint Dr S Ste 400 | +19043985769 |
| Jacksonville Life Insurance | 13080 Silver Oak Dr | +19044798843 |
| Tomminwalth Dealers Life Insurance | 11251 Business Park Blvd N | +19042608238 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Best Policies In Orlando
Orlando, a vibrant city nestled in the heart of Florida, is renowned for its dynamic theme parks, including the world-famous Walt Disney World and Universal Orlando. With its warm, sunny climate and a plethora of attractions ranging from the educational Kennedy Space Center to the natural beauty of nearby beaches, Orlando is a premier destination for families, adventure seekers, and cultural enthusiasts alike. This bustling city not just entertains but also boasts a growing arts scene, diverse dining options, and an array of shopping venues, making it an irresistible blend of fun and sophistication for visitors from around the globe.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| PlanLife Insurance | 6735 Conroy Rd STE 411 | +14075573100 |
| Matute Insurance Agency | 7680 Universal Blvd suite 200 | +14073250562 |
| Blanco Agencies | 1320 N Semoran Blvd | +18132465050 |
| LRA Insurance | 498 S Lake Destiny Dr Suite 200 | +14078383445 |
| Joe Solutions | 618 E South St STE 500 | +14076245963 |
| Bek Insurance | 4700 Millenia Blvd SUITE 500 5TH FL | +19737227672 |
| Insurance First | 3203 Conway Rd Suite 204 B | +14079907262 |
| IDEA Insurance Agency | 8623 Commodity Cir | +14076013449 |
| Lincoln Heritage Life Insurance | 7550 Futures Dr Suite 302 | +14075745245 |
| Health and Life Insurance Group LLC | Myrtle Creek Ln | +14073839123 |
| Bankers Life | 6277 Sea Harbor Dr Ste 202 | +14076780222 |
| Globe Life American Income Division: Q & P Organization | 520 N Semoran Blvd Suite 200 | +14078131108 |
Best Life Cover In St. Petersburg
St. Petersburg, Florida, is a dynamic coastal city known for its beautiful weather, pristine beaches, and vibrant arts scene. Nestled on the Gulf Coast of Florida, it’s a popular destination for both vacationers and residents, offering an array of outdoor activities like fishing, boating, and beach-going. The city is renowned for the Salvador Dali Museum, which houses the largest collection of Dali’s works outside Europe. With a bustling downtown filled with shops, restaurants, and galleries, and a calendar packed with festivals and events, St. Petersburg is a lively and culturally rich city that seamlessly blends the charm of its historic past with modern innovation and growth.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Reli Insurance | 11 Beach Dr SE Suite C | +17278975450 |
| Medlife Health Agency | 7901 4th St N suite 300 | +18886490108 |
| Total Protection Health | 9620 Executive Center Dr N | +13302248319 |
| Crown Insurance Inc.: Allstate Insurance | 5301 34th St N Ste A | +17275132706 |
| IFG Insurance Services – Term & Life Insurance FL | 7901 4th St N | +18004397175 |
| USHealth Advisors – St Pete | 5959 Central Ave | +19414219886 |
Best Life Insurance In Tampa
Tampa, a vibrant city nestled on the west coast of Florida, offers a unique blend of historic architecture, modern landmarks, and a picturesque waterfront. It’s renowned for its bustling business districts, cultural diversity, and recreational activities, making it an enticing destination for tourists and an appealing home for its residents. The city’s warm climate, captivating attractions such as Busch Gardens, the Florida Aquarium, and its proximity to beautiful Gulf Coast beaches, further enhance its allure. Tampa also boasts a thriving culinary scene, with an emphasis on fresh seafood and multicultural cuisine, reflecting its rich cultural heritage. Whether you’re seeking adventure, relaxation, or an opportunity to explore Florida’s natural beauty and history, Tampa provides an array of experiences to satisfy every interest.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Life is Precious – Better Insure It | 1208 E Kennedy Blvd | +17272105452 |
| Glidewell Advisors | 5101 N Rome Ave Suite A3 | +18556511381 |
| DD Insurance Group | 412 E Madison St STE 909 | +18139664369 |
| Insurance Elevated | 3609 E 7th Ave | +18136977607 |
| Legacy Ensurers | 3609 E 7th Ave | +16469164402 |
| Life Insurance ASAP | 6608 E Adamo Dr a | +18133210402 |
| Bruce Insurance Advisors | 401 E Jackson St Ste 2340 | +18663327823 |
| Globe Life American Income Division: Arias Organization | 10330 N Dale Mabry Hwy Suite 226 | +18136931414 |
| Blake Peters, Bankers Life Agent | 2203 N Lois Ave Ste 1125 | +18138824526 |
| Duarte Insurance Agency, Inc. | 5903 N Habana Ave | +18138743222 |
| Remanente Insurance: Health & Life | 12610 Henderson Rd Suite 3 | +18135519219 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Florida
For the residents of the great state of Florida, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
