The top-rated final expense insurance agent in Miami Gardens, Florida is Estrella Insurance, rated 5.0 stars across 482 reviews. Other highly rated options include AJM Agencies Auto Insurance (PROGRESSIVE), L&P INSURANCE CORP, Del Toro Insurance. This directory lists 13 final expense insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Estrella Insurance | 3489 NW 183rd St | (305) 925-9944 |
| 2 | AJM Agencies Auto Insurance (PROGRESSIVE) | 4888 NW 183rd St #207 | (786) 556-5210 |
| 3 | L&P INSURANCE CORP | 18512 NW 67th Ave | (786) 280-6698 |
| 4 | Del Toro Insurance | 3753 NW 167th St Suite 102 | (786) 533-2513 |
| 5 | Gardens Insurance Inc | 1818 NW 183rd St | (305) 621-0072 |
| 6 | Renew Insurance LLC | 16533 NW 57th Ave | (305) 624-7300 |
| 7 | Univista Insurance | 19807 NW 2nd Ave | (786) 320-7992 |
| 8 | Insurance Exchange of America | 19868 NW 27th Ave | (305) 620-7555 |
| 9 | Bendell Insurance Group | 111 NW 183rd St Ste 108 | (786) 698-6383 |
| 10 | Responsive Insurance Agency | 17845 NW 27th Ave | (305) 621-9111 |
As the season for family reflection and end-of-life planning arrives, residents of Miami Gardens often seek straightforward guidance on final expense policies. Estrella Insurance addresses this local need by providing clear, uncomplicated information about burial and funeral cost coverage. Agents prioritize respectful, patient explanations to ensure seniors understand their policy options without pressure or confusion. Each initial conversation involves a thorough review of the individual’s financial situation and funeral priorities before scheduling a home inspection to assess personal needs directly.
AJM Agencies Auto Insurance (PROGRESSIVE) serves the Miami Gardens, Florida, area as a final expense insurance agent. This agent helps local clients plan for end-of-life costs by offering coverage for funeral services and burial expenses. Policies are designed to relieve family members from financial burdens during a difficult time. The agency handles application assistance and covers the costs of final arrangements, including caskets and cemetery fees.
L&P INSURANCE CORP in Miami Gardens, Florida provides final expense insurance services to clients preparing for end-of-life financial obligations. The company assists individuals in securing affordable burial and funeral cost coverage through simple, straightforward policy options. Services include evaluating customer needs and offering suitable final expense plans with clearly defined terms and conditions. The company serves single-family homes, apartments, retail, and restaurants in the Miami Gardens area.
Del Toro Insurance provides final expense insurance services to individuals and families in the Miami Gardens, Florida area, helping policyholders prepare for end-of-life costs and funeral arrangements. The agency specializes in smaller, simplified-issue life insurance policies that typically require no medical exam, making coverage accessible to seniors and those with health concerns in the local community. The company can serve clients who own or operate commercial sectors such as offices, warehouses, and food service businesses needing personal coverage for key individuals.
Gardens Insurance Inc serves individuals and families in the Miami Gardens area who seek final expense insurance to cover end-of-life costs. This local agency provides burial and funeral planning policies designed to ease financial burdens on loved ones. Its work involves helping clients select appropriate coverage amounts based on their specific needs and budget. The insurance products offered here typically feature fixed premiums and guaranteed payouts upon death. Gardens Insurance Inc also extends its final expense services to clients in the surrounding North Miami Beach communities.
Renew Insurance LLC serves Miami Gardens, Florida, and the surrounding South Florida communities. It handles final expense insurance for local families. The company helps clients secure coverage for funeral costs and medical bills. It simplifies the application process for qualified individuals. The agent typically reviews a client’s specific needs and available budget before presenting suitable policy options for consideration.
Univista Insurance is known in Miami Gardens, Florida, for specializing in final expense insurance policies that cover end-of-life costs. Its service range includes helping local clients select affordable burial and funeral plans that protect their families from unexpected expenses. The company works through a simple application process that typically does not require a medical exam. A specialty service it can add on is a guaranteed issue whole life policy with immediate coverage for qualifying seniors.
Insurance Exchange of America provides final expense insurance services to residents in the Miami Gardens, Florida area. The agency assists clients with residential coverage designed to help manage end-of-life expenses. Commercial coverage is also available for local businesses needing group or individual policies. Service extends throughout Miami Gardens and the surrounding communities. The agency ensures clients receive clear information on plan options. They follow up with policyholders to address any changes between regular visits, offering ongoing support.
Bendell Insurance Group provides final expense insurance services to clients in Miami Gardens, Florida, helping individuals secure coverage for end-of-life costs. It offers straightforward policy options designed to cover funeral expenses and other final arrangements. The company assists clients in understanding benefit structures and ensures applications are completed accurately. Service includes reviewing policy details and explaining payment plans for long-term maintenance of coverage. Bendell Insurance Group serves homeowners in single-family residences, apartment dwellers in multi-unit buildings, and families residing in planned communities across the local area.
Responsive Insurance Agency serves clients throughout Miami Gardens and Miami-Dade County as a local Final Expense Insurance Agent. It specializes in helping families plan for end-of-life costs with straightforward insurance policies. The agency assists with burial and funeral expense coverage to manage these financial obligations. It also handles pre-need insurance that can be used for cemetery plots and related services.
What Does a a Final Expense Insurance Agent in Miami Gardens Cost?
Typical final expense insurance premiums in Florida for a 65-year-old non-smoker range from 50 to 120 dollars per month for 15,000 dollars of coverage. Smokers or older applicants may pay 100 to 200 dollars per month. Some policies offer level benefits, while others have a graded death benefit for the first two years. This is general information, not insurance advice.
About final expense insurance agents in Miami Gardens
Final expense insurance agents in Miami Gardens help residents secure coverage for end-of-life costs like funerals and medical bills. Florida law requires insurers to offer a free look period of at least 14 days on new policies. Agents can explain how Florida probate rules affect policy payouts and beneficiary designations.
Frequently Asked Questions
What is final expense insurance in Miami Gardens?
Final expense insurance is a small whole life policy designed to cover funeral costs and other final bills. In Florida, these policies are often issued without a medical exam but may have a graded benefit period for the first two years.
How do Florida laws affect final expense insurance?
Florida Statute 627.455 requires a 14-day free look period on life insurance policies. Also, Florida has a 5-year statute of limitations for contesting a policy after the insureds death, which agents can explain to clients.
What is the typical cost for final expense insurance in Florida?
Premiums for a 65-year-old in Miami Gardens often range from 50 to 150 dollars per month for 10,000 to 25,000 dollars of coverage. Costs depend on age, health, and tobacco use. Rates are set by the insurer and approved by the Florida Office of Insurance Regulation.
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