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Find Life Insurance Agents Near You in Destin, FL

Browse life insurance agents serving Destin, Florida. Updated 2026-07-14.

The top-rated life insurance agent in Destin, Florida is Dave Morrow: Allstate Insurance, rated 4.9 stars across 220 reviews. Other highly rated options include Liufau McCall Insurance Group, Lucleon Insurance, The Baldwin Group (formerly Affordable Home insurance). This directory lists 16 life insurance agents serving Destin.

Showing 16 life insurance agents in Destin, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dave Morrow: Allstate Insurance3997 Commons Dr W Ste H(850) 650-0600
2Liufau McCall Insurance Group36008 Emerald Coast Pkwy Suite 601B(850) 460-7490
3Lucleon Insurance305 Mountain Dr Ste G(850) 361-2882
4The Baldwin Group (formerly Affordable Home insurance)4008 Legendary Dr Suite 400(850) 654-1567
5Health Care Exchange225 Main St Ste 12(850) 376-3459
6Jim Liufau - State Farm Insurance Agent36008 Emerald Coast Pkwy Ste 401(850) 837-1329
7Norton Insurance of Florida4012 Commons Dr W STE 118(850) 244-1574
8Aqua Bay Insurance4507 Furling Ln STE 201(850) 269-0686
9Acentria Insurance4634 Gulfstarr Dr(850) 650-1950
10Defender Insurance Group4460 Legendary Dr Suite 300A(850) 979-5225
DM
3997 Commons Dr W Ste H
Dave Morrow: Allstate Insurance
Life Insurance Agent · Destin, FL

Dave Morrow: Allstate Insurance serves the Destin, Florida metro area and the surrounding Okaloosa County community as a life insurance agent. The agency helps local residents and families evaluate their financial protection needs, offering guidance on different types of life coverage that can help provide for loved ones. Working with clients to understand long-term financial goals, the agency usually handles term life insurance and whole life insurance services in the Destin area.

LM
36008 Emerald Coast Pkwy Suite 601B
Liufau McCall Insurance Group
Life Insurance Agent · Destin, FL

Liufau McCall Insurance Group provides a full range of life insurance policies for individuals and business owners in the Destin area. These services include term life policies, whole life coverage, and related financial protection plans designed to fit different stages of life. The agency offers ongoing policy reviews and annual coverage check-ups to ensure plans remain aligned with changing needs. It services properties such as single-family homes, apartments, retail stores, and restaurants.

LI
305 Mountain Dr Ste G
Lucleon Insurance
Life Insurance Agent · Destin, FL

Serving Destin, Florida, and the surrounding communities along the Emerald Coast, Lucleon Insurance handles life insurance policies designed to provide financial protection for local families and individuals. It assists clients in the greater Okaloosa County area with navigating various term and whole life coverage options to meet personal needs. To handle a typical job, the company begins with an initial consultation to assess individual circumstances and long-term goals before recommending suitable policy solutions.

BG
4008 Legendary Dr Suite 400
The Baldwin Group (formerly Affordable Home insurance)
Life Insurance Agent · Destin, FL

Homeowners and small business owners in Destin, FL seek guidance from The Baldwin Group for life insurance needs. The agency, formerly known as Affordable Home Insurance, assists clients in evaluating term and whole life policies to provide financial protection for their families. Their agents help explain coverage options suited to individual circumstances and long-term planning goals. The Baldwin Group also serves clients across the surrounding Fort Walton Beach area.

HC
225 Main St Ste 12
Health Care Exchange
Life Insurance Agent · Destin, FL

Health Care Exchange specializes in helping clients compare life insurance policies, offering term, whole, and universal coverage options. Serving the Destin area, the agency assists individuals and families in selecting appropriate plans to meet long-term financial protection needs. It works with various carriers to provide policy options tailored to each client’s situation. The company also helps residents address concerns about coverage during seasonal moves or post-retirement income changes that may affect policyholder benefits.

JL
36008 Emerald Coast Pkwy Ste 401
Jim Liufau - State Farm Insurance Agent
Life Insurance Agent · Destin, FL

Jim Liufau - State Farm Insurance Agent provides life insurance policies designed for one-time needs like final expenses or recurring obligations such as replacing ongoing income for dependents. Coverage options help protect Destin residents against financial loss associated with death or critical illness. Unlike car or home insurance, life insurance primarily serves beneficiaries rather than the policyholder. This agent operates their practice on a scheduled basis, meeting with clients for initial consultations and periodic reviews to adjust coverage as life circumstances change.

NI
4012 Commons Dr W STE 118
Norton Insurance of Florida
Life Insurance Agent · Destin, FL

Homeowners and small business owners in Destin, Florida, turn to Norton Insurance of Florida for personal life insurance coverage. The agency helps clients compare term and whole life policies to protect their families and secure financial stability. They also explain how life insurance can cover final expenses and provide income replacement after a loss. Each consultation focuses on individual budget needs and long-term planning. Service extends to nearby Fort Walton Beach and the surrounding Okaloosa County communities as well.

AB
4507 Furling Ln STE 201
Aqua Bay Insurance
Life Insurance Agent · Destin, FL

With Destin’s seasonal population shifts and year-round risk from storms and gulf-front property, securing adequate life coverage often becomes an urgent need. Aqua Bay Insurance responds by guiding clients through the process of selecting appropriate policies for their specific local circumstances. They operate as a straightforward life insurance agent service, helping families and individuals understand their options for financial protection. A policy review or initial in-person consultation is offered free of charge to begin the assessment of each client’s needs.

AI
4634 Gulfstarr Dr
Acentria Insurance
Life Insurance Agent · Destin, FL

Acentria Insurance serves the Destin, Florida area and surrounding communities. It handles life insurance policy options for local residents seeking personal financial protection. The agency works with individuals to understand coverage needs for income replacement or final expenses. It assists at various life stages, from young families to retirees. A typical job begins by reviewing a client's circumstances before presenting suitable insurance solutions for consideration.

DI
4460 Legendary Dr Suite 300A
Defender Insurance Group
Life Insurance Agent · Destin, FL

Defender Insurance Group works with clients in Destin, Florida to identify suitable life insurance policies that address individual financial protection needs. As a dedicated life insurance agent, the company guides customers through policy options such as term, whole, and universal life coverage. It assists in tailoring plans for personal beneficiaries and business continuity strategies. The firm serves a variety of commercial sectors, including offices, warehouses, and food service operations, with appropriate life insurance solutions.

SI
529 US-98
Smile Insurance Agency
Life Insurance Agent · Destin, FL
(850) 470-1646
DI
127 Harbor Blvd Ste 10
Destin Insurance Group
Life Insurance Agent · Destin, FL
(850) 837-6242
destininsurance.com
FF
43 Harbor Blvd
Florida Financial Services Inc
Life Insurance Agent · Destin, FL
(850) 837-3883
WA
127 Harbor Blvd Ste 10
Waterfield & Associates Inc.
Life Insurance Agent · Destin, FL
(850) 837-6242
destininsurance.com
FI
36120 US-98
Flexible Insurance FL
Life Insurance Agent · Destin, FL
(850) 790-0426
NY
225 Main St
New York Life
Life Insurance Agent · Destin, FL
(850) 650-3029
timkersanac.com/#cid=glbc

What Does a a Life Insurance Agent in Destin Cost?

Life insurance costs in Florida vary by age, health, and policy type. A healthy 35-year-old might pay 25 to 50 dollars per month for a 500,000 dollar term life policy. Smokers and older individuals pay more. Florida does not regulate premium rates for life insurance. This is general information and does not constitute insurance advice.

About life insurance agents in Destin

Life insurance agents in Destin, Florida help residents find term, whole, and universal life policies. Florida law requires agents to hold a valid state license and disclose policy limitations. Local agents understand the needs of families in the Destin area, including coverage for coastal property risks.

Frequently Asked Questions

Do I need a license to sell life insurance in Destin Florida?

Yes. All life insurance agents in Florida must hold a valid 2-15 or 2-18 license from the Florida Department of Financial Services. Agents must complete continuing education every two years to maintain their license.

What is the free look period for life insurance in Florida?

Florida law grants a 10-day free look period for most life insurance policies. During this time you can cancel the policy for a full refund if you change your mind. Some policies may have a longer period.

Can a life insurance agent in Destin help with a claim?

Yes. Your agent can assist with filing a claim and explaining policy terms. However, the insurance company handles the final claim decision. Florida law requires insurers to pay valid claims within 90 days of receiving proof of loss.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.