Best Life Insurance In Florida


  • Rikin Shah
  • Jun 20, 2024
Florida cost of a funeral

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.

Age20
Male$14.63
Male (Smoker)$17.10
Female$13.71
Female (Smoker)$16.24
Age25
Male$16.21
Male (Smoker)$18.59
Female$14.90
Female (Smoker)$17.64
Age30
Male$17.56
Male (Smoker)$20.10
Female$16.66
Female (Smoker)$18.78
Age35
Male$18.80
Male (Smoker)$21.87
Female$17.43
Female (Smoker)$20.60
Age40
Male$21.40
Male (Smoker)$25.30
Female$19.45
Female (Smoker)$23.65
Age45
Male$23.50
Male (Smoker)$29.19
Female$22.65
Female (Smoker)$27.64
Age50
Male$27.22
Male (Smoker)$33.86
Female$24.51
Female (Smoker)$31.52
Age55
Male$32.14
Male (Smoker)$40.01
Female$28.15
Female (Smoker)$36.52
Age60
Male$38.94
Male (Smoker)$47.13
Female$32.98
Female (Smoker)$42.74
Age65
Male$47.98
Male (Smoker)$58.56
Female$40.98
Female (Smoker)$50.70
Age70
Male$60.78
Male (Smoker)$71.20
Female$52.85
Female (Smoker)$60.18
Age75
Male$97.32
Male (Smoker)$133.13
Female$71.23
Female (Smoker)$94.86
Age80
Male$134.30
Male (Smoker)$182.52
Female$98.25
Female (Smoker)$136.09
Age85
Male$187.59
Male (Smoker)$258.34
Female$131.74
Female (Smoker)$192.91

See how much you could save

Compare rates from 19 carriers in 60 seconds

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.

Get Life Insurance MiamiClaudia Avalos Agente
9099 NW 15th St701 Brickell Ave Suite 1550
+14074760513+19157772837
Get Life Insurance MiamiThe Fortune Tribe, LLC
9099 NW 15th St1749 NE Miami Ct
+14074760513+17868819801
Get Life Insurance MiamiArena Insurance Agency
9099 NW 15th St2757 NW 36th St
+14074760513+13052513312
Get Life Insurance MiamiLife Insurance Services
9099 NW 15th St1918 W Flagler St b
+14074760513+17863063918
Get Life Insurance MiamiFlow International
9099 NW 15th St520 Brickell Key Dr STE O201
+14074760513+13057754065
Get Life Insurance MiamiVeronica Bonilla, New York Life Insurance
9099 NW 15th St801 Brickell Ave Ste 1440
+14074760513+13054961044
Get Life Insurance MiamiInsurance of South Florida
9099 NW 15th St11836 NW 10th Ave
+14074760513+13054771717
Get Life Insurance MiamiVIVA INSURANCE GROUP
9099 NW 15th St12145 NW 7th Ave
+14074760513+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.

All About InsuranceFamilyLifeQuote
6950 Philips Hwy Unit 344145 Shirley Ave STE 1
+19042605306+19048005559
6950 Philips Hwy Unit 345011 Gate Pkwy Bldg. 100, Suite 100
+19042605306+18333530375
6950 Philips Hwy Unit 3410199 Southside Blvd #100
+19042605306+19046353670
6950 Philips Hwy Unit 348789 San Jose Blvd Ste 110
+19042605306+18509076046
All About InsuranceNicole Bush, Bankers Life Agent
6950 Philips Hwy Unit 346620 Southpoint Dr S Ste 400
+19042605306+19043985769
All About InsurancePHP AGENCY
6950 Philips Hwy Unit 34476 Riverside Ave
+19042605306+19048787198
All About InsuranceEvgeniya Frolova, Bankers Life Agent
6950 Philips Hwy Unit 346620 Southpoint Dr S Ste 400
+19042605306+19043985769
All About InsuranceJacksonville Life Insurance
6950 Philips Hwy Unit 3413080 Silver Oak Dr
+19042605306+19044798843
All About InsuranceTomminwalth Dealers Life Insurance
6950 Philips Hwy Unit 3411251 Business Park Blvd N
+19042605306+19042608238

See how much you could save

Compare rates from 19 carriers in 60 seconds

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.

PlanLife InsuranceMatute Insurance Agency
6735 Conroy Rd STE 4117680 Universal Blvd suite 200
+14075573100+14073250562
PlanLife InsuranceBlanco Agencies
6735 Conroy Rd STE 4111320 N Semoran Blvd
+14075573100+18132465050
PlanLife InsuranceLRA Insurance
6735 Conroy Rd STE 411498 S Lake Destiny Dr Suite 200
+14075573100+14078383445
PlanLife InsuranceJoe Solutions
6735 Conroy Rd STE 411618 E South St STE 500
+14075573100+14076245963
PlanLife InsuranceBek Insurance
6735 Conroy Rd STE 4114700 Millenia Blvd SUITE 500 5TH FL
+14075573100+19737227672
PlanLife InsuranceInsurance First
6735 Conroy Rd STE 4113203 Conway Rd Suite 204 B
+14075573100+14079907262
PlanLife InsuranceIDEA Insurance Agency
6735 Conroy Rd STE 4118623 Commodity Cir
+14075573100+14076013449
6735 Conroy Rd STE 4117550 Futures Dr Suite 302
+14075573100+14075745245
6735 Conroy Rd STE 411Myrtle Creek Ln
+14075573100+14073839123
PlanLife InsuranceBankers Life
6735 Conroy Rd STE 4116277 Sea Harbor Dr Ste 202
+14075573100+14076780222
6735 Conroy Rd STE 411520 N Semoran Blvd Suite 200
+14075573100+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.

Reli InsuranceMedlife Health Agency
11 Beach Dr SE Suite C7901 4th St N suite 300
+17278975450+18886490108
11 Beach Dr SE Suite C9620 Executive Center Dr N
+17278975450+13302248319
11 Beach Dr SE Suite C5301 34th St N Ste A
+17278975450+17275132706
Reli InsuranceIFG Insurance Services – Term & Life Insurance FL
11 Beach Dr SE Suite C7901 4th St N
+17278975450+18004397175
Reli InsuranceUSHealth Advisors – St Pete
11 Beach Dr SE Suite C5959 Central Ave
+17278975450+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 is Precious – Better Insure ItGlidewell Advisors
1208 E Kennedy Blvd5101 N Rome Ave Suite A3
+17272105452+18556511381
Life is Precious – Better Insure ItDD Insurance Group
1208 E Kennedy Blvd412 E Madison St STE 909
+17272105452+18139664369
Life is Precious – Better Insure ItInsurance Elevated
1208 E Kennedy Blvd3609 E 7th Ave
+17272105452+18136977607
Life is Precious – Better Insure ItLegacy Ensurers
1208 E Kennedy Blvd3609 E 7th Ave
+17272105452+16469164402
Life is Precious – Better Insure ItLife Insurance ASAP
1208 E Kennedy Blvd6608 E Adamo Dr a
+17272105452+18133210402
Life is Precious – Better Insure ItBruce Insurance Advisors
1208 E Kennedy Blvd401 E Jackson St Ste 2340
+17272105452+18663327823
Life is Precious – Better Insure ItGlobe Life American Income Division: Arias Organization
1208 E Kennedy Blvd10330 N Dale Mabry Hwy Suite 226
+17272105452+18136931414
Life is Precious – Better Insure ItBlake Peters, Bankers Life Agent
1208 E Kennedy Blvd2203 N Lois Ave Ste 1125
+17272105452+18138824526
Life is Precious – Better Insure ItDuarte Insurance Agency, Inc.
1208 E Kennedy Blvd5903 N Habana Ave
+17272105452+18138743222
Life is Precious – Better Insure ItRemanente Insurance: Health & Life
1208 E Kennedy Blvd12610 Henderson Rd Suite 3
+17272105452+18135519219

See how much you could save

Compare rates from 19 carriers in 60 seconds

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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • 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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.