The top-rated life insurance agent in Melbourne, Florida is Erb and Young Insurance, rated 4.9 stars across 1,036 reviews. Other highly rated options include Brian West - State Farm Insurance Agent, Better Insurance Group, 321 Insurance Advisors. This directory lists 20 life insurance agents serving Melbourne.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Erb and Young Insurance | 6550 N Wickham Rd STE 9 | (321) 254-0095 |
| 2 | Brian West - State Farm Insurance Agent | 2320 Dairy Rd #102 | (321) 872-0123 |
| 3 | Better Insurance Group | 1580 N Harbor City Blvd | (321) 724-2100 |
| 4 | 321 Insurance Advisors | 7025 N Wickham Rd #110 | (321) 309-0900 |
| 5 | Kim Osman Insurance Group, Inc. | 474 N Harbor City Blvd | (321) 242-2311 |
| 6 | Space Coast Insurance Agency, LLC | 6450 Anderson Way | (321) 799-2929 |
| 7 | The Florida Health Insurance Exchange | 2454 Minton Rd | (321) 725-8100 |
| 8 | Anthony Insurance Agency | 7331 Office Park Place STE 500 | (321) 242-3181 |
| 9 | Kasey Osman: Allstate Insurance | 930 S Harbor City Blvd Ste 202 | (321) 725-8022 |
| 10 | GreatFlorida Insurance: Cheryl Miller | 1678 W Hibiscus Blvd #103 | (321) 253-8531 |
Erb and Young Insurance provides Life Insurance Agent services to individuals and families in the Melbourne, Florida area. The agency specializes in tailoring life insurance policies to meet specific needs, such as income replacement and final expense planning. It also offers advisory support to help clients understand policy options and coverage amounts. The company can serve the needs of office workers, warehouse employees, and food service professionals seeking financial protection for their households.
Brian West - State Farm Insurance Agent serves the Melbourne, Florida metro area and Brevard County. Specializing in life insurance, the agency helps local families and individuals secure financial protection for their future. The team works with clients to evaluate term and whole life policies that can provide long-term security and peace of mind. They assist with supplementing existing coverage and addressing final expense needs, ensuring alignment with personal goals.
Better Insurance Group serves homeowners, families, and small business owners in Melbourne, Florida, offering life insurance agent services to help clients secure financial protection. The agency assists customers in understanding coverage options tailored to individual needs, such as term or whole life policies. It also provides guidance on beneficiary planning and policy adjustments over time. Serving the broader Brevard County area, the company extends its support to residents in the nearby community of Palm Bay.
321 Insurance Advisors provides life insurance planning and support for Melbourne, Florida residents, helping individuals select coverage suited to their long-term financial goals. Ongoing policy reviews allow clients to adjust plans as their circumstances evolve, ensuring continued alignment with their needs. The company also assists with beneficiary updates and claim filing guidance. Its services extend to single-family homes, apartments, retail, and restaurants, addressing the diverse insurance requirements of local property owners and business operators.
Kim Osman Insurance Group, Inc. serves clients throughout Melbourne, Florida, and the surrounding communities. It handles a full range of life insurance agent services, helping individuals and families assess their coverage needs. The company guides clients through the process of selecting appropriate policies to provide financial protection for loved ones. A typical job is approached with a focus on clearly explaining policy options and tailoring recommendations to fit the client's specific situation and long-term goals.
Space Coast Insurance Agency, LLC in Melbourne, FL helps clients understand the difference between one-time life insurance policies, which provide a lump sum payment for a set term, and recurring coverage options that remain active for the policyholder’s entire lifetime. Their agents assess individual needs to recommend suitable protection for dependents or estate planning. This agency offers their consultations and plan selection guidance on an as-needed basis directly to local customers.
As the seasons change in Melbourne, many residents begin reviewing their family protection plans for the coming year. The Florida Health Insurance Exchange assists local policyholders in this process by offering guidance on life insurance coverage tailored to individual circumstances. Their team works to simplify complex policy options for seniors and young families alike. An initial consultation is scheduled to review your current coverage needs and identify any gaps in your plan.
As a life insurance agent serving Melbourne, Florida, Anthony Insurance Agency assists individuals and families with financial protection strategies. The company specializes in helping clients secure income replacement policies that cover essential living expenses and final costs. In addition, the agency offers guidance on tailoring life insurance plans to meet specific household needs. These policies are designed to provide a financial safety net for beneficiaries during difficult times. Commercial sectors served by the agency include local offices, warehouses, and food service businesses requiring coverage for key personnel.
Kasey Osman: Allstate Insurance provides life insurance policies tailored to income replacement, debt coverage, and final expense planning. It also offers general property and casualty insurance solutions for homes and vehicles in the Melbourne area. The agency assists clients in reviewing their current coverage during open enrollment periods and after major life changes such as marriage, the birth of a child, or the purchase of a new home. These reviews help ensure adequate protection when families face the financial impact of an unexpected loss.
GreatFlorida Insurance: Cheryl Miller serves residential customers in Melbourne and the surrounding area with life insurance policies designed to provide financial protection for families. The agency also offers commercial coverage for local businesses seeking to secure their operations and employees. As a life insurance agent, the company assists clients in understanding their coverage options during personal consultations. Following policy issuance, the agent provides follow-up service to adjust policies as life circumstances change, ensuring continued support between regular annual visits.
What Does a a Life Insurance Agent in Melbourne Cost?
The cost of a life insurance agent in Melbourne Florida is typically paid through commissions included in your premium. Term life insurance for a healthy 35 year old can cost between 20 and 50 dollars per month for a 500,000 dollar policy. Whole life insurance premiums are higher often starting at 100 dollars per month for the same coverage. Costs vary by age health and policy type. This is general information and not insurance advice.
About life insurance agents in Melbourne
Life insurance agents in Melbourne Florida help residents find coverage that protects their families and assets. Florida law requires agents to hold a valid state license and follow specific regulations under the Florida Insurance Code. Local agents understand the unique needs of Brevard County residents including hurricane preparedness and estate planning considerations.
Frequently Asked Questions
What license does a life insurance agent need in Florida?
A life insurance agent in Florida must hold a valid 2-15 or 2-18 license from the Florida Department of Financial Services. Agents must complete pre-licensing education and pass a state exam. Continuing education is required every two years to maintain the license.
How long does it take to get life insurance in Melbourne Florida?
The process can take from a few days to several weeks depending on the policy type and your health. Term life insurance with no medical exam may be issued in 1 to 2 weeks. Policies requiring a medical exam often take 4 to 6 weeks for underwriting and approval.
Are there Florida specific laws for life insurance policies?
Yes Florida has a free look period of 14 days for life insurance policies allowing you to cancel for a full refund. Florida also requires agents to provide a policy summary and buyers guide. The state follows the NAIC model for unfair trade practices in insurance.
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