Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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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.

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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 show you how to get the best life insurance in Florida.

Before we dive into this guide, find affordable Florida life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Florida Life Insurance Quotes

We offer Florida residents life insurance 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.

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. 

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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.

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You can also see how many life insurance companies there are in Florida versus the other southern states.

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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.

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.

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 the 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 the 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

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

Don’t wait — Use our free quote tool to get affordable life insurance rates in Florida. Get started now.