The top-rated life insurance agent in Miami, Florida is GoldenTrust Insurance Kendall, rated 5.0 stars across 3,137 reviews. Other highly rated options include Globe Life American Income Division: Q & P Organization, First Choice Insurance Agency Corp, Insurance Exchange of America. This directory lists 112 life insurance agents serving Miami.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | GoldenTrust Insurance Kendall | 11658 N Kendall Dr | (305) 452-0823 |
| 2 | Globe Life American Income Division: Q & P Organization | 3191 Coral Wy # 700 | (786) 953-8958 |
| 3 | First Choice Insurance Agency Corp | 7540 SW 117th Ave | (786) 360-1021 |
| 4 | Insurance Exchange of America | 8600 NW 17th St Suite 101 | (305) 403-0800 |
| 5 | Dulcinea Insurance Agency | 1840 Coral Wy #221 | (786) 910-9487 |
| 6 | Blue Sky Insurance & Immigration Services | 1619 SW 107th Ave | (786) 391-3886 |
| 7 | GoldenTrust Insurance Westchester | 7298 SW 40th St | (305) 680-0944 |
| 8 | Univista Insurance | 9251 W Flagler St suite b 102 | (305) 507-2188 |
| 9 | American Insurance Point - AIP FLORIDA | 999 Brickell Ave # 410 | (305) 440-0212 |
| 10 | Neighbors Insurance Agency | 7130 SW 43rd St | (305) 265-8585 |
GoldenTrust Insurance Kendall provides life insurance policies designed to protect families and businesses in the Miami, FL area. It helps clients select appropriate coverage that can offer financial security for future needs. Service includes policy reviews to ensure coverage keeps pace with changing life circumstances, such as marriage or a new business venture. Maintenance plans typically involve regular communication to adjust beneficiaries or policy amounts as necessary. This agent services a variety of local property owners, including single-family homes, apartment complexes, retail stores, and restaurants.
Globe Life American Income Division: Q & P Organization serves the Miami, Florida area as a life insurance agent. The company assists local residents in evaluating their financial protection needs with a focus on long-term coverage solutions. It offers guidance on appropriate policy options to help safeguard families against unexpected financial hardship. The office handles both individual life policies and supplemental insurance plans designed to provide income replacement for local policyholders.
Serving Miami and the surrounding South Florida communities, First Choice Insurance Agency Corp handles life insurance agent services for local residents. The company assists clients in evaluating their coverage needs through detailed policy comparisons and personalized consultations. It focuses on explaining key options, such as term and whole life policies, to help individuals secure financial protection for their families. To manage a typical job, the agency generally begins by assessing a client’s specific financial situation and long-term goals before recommending suitable insurance products from available carriers.
Insurance Exchange of America in Miami, Florida helps clients decide between purchasing a single policy for a one-time need or building a recurring relationship for ongoing coverage adjustments. They explain how different life insurance plans can protect families and secure financial legacies. Because each situation varies, agents evaluate individual requirements during consultations. Their service runs on an as-needed basis, with clients scheduling appointments only when they wish to review or modify their existing coverage.
Dulcinea Insurance Agency specializes in tailored life insurance solutions, offering term, whole, and universal life policies to residents of Miami, Florida. The agency works closely with clients to assess long-term financial needs, providing guidance on income replacement, debt coverage, and estate planning strategies. Navigating the complexities of policy selection can be challenging, especially during life transitions such as marriage, a new child, or retirement planning. The agency helps locals address the heightened financial vulnerability that often accompanies the start of hurricane season in South Florida.
As Miami's tropical climate brings fluctuating risks from hurricanes and humidity-related property concerns, many residents seek to secure their family's financial future against unexpected loss. Blue Sky Insurance & Immigration Services provides life insurance coverage options tailored to local needs, helping clients navigate policy choices that ensure dependents receive support after a death. The company guides individuals through assessments of medical history and lifestyle factors to determine appropriate benefit amounts. An initial meeting is scheduled to review personal goals and evaluate current coverage gaps before proceeding with formal application paperwork.
GoldenTrust Insurance Westchester provides residential life insurance services to families in Miami, FL, helping them secure financial protection for their loved ones. The agency also offers commercial coverage options tailored to business owners and entrepreneurs throughout the local area. Clients benefit from clear explanations of policy choices and personalized support for their specific needs. The team follows up regularly between annual visits to review coverage adjustments or answer questions as household circumstances change.
Univista Insurance provides life insurance coverage options for individuals and families in the Miami area. Its services focus on helping clients select policies that ensure financial protection for beneficiaries. The agency assists with various life insurance products to address specific needs such as income replacement or final expenses. By evaluating each client’s situation, it works to find suitable coverage from available carriers. Univista Insurance also offers its life insurance services to commercial clients, including offices, warehouses, and food service businesses that need to protect key personnel or provide group benefits.
Neighbors Insurance Agency in Miami, Florida, is known for guiding clients through life insurance options tailored to individual needs and long-term financial goals. The agency provides essential coverage planning, including term and whole life policies designed to protect families and secure future obligations. It assists with policy comparisons and beneficiary designations to ensure clear, practical solutions for local residents. As a specialty service, the agency can add on final expense coverage to help manage end-of-life costs.
What Does a a Life Insurance Agent in Miami Cost?
A term life insurance policy for a healthy 35 year old in Miami typically costs between 25 and 50 dollars per month for a 500,000 dollar 20 year term. Whole life policies often range from 100 to 300 dollars per month for similar coverage. Costs vary based on age health tobacco use and policy type. This is general information not insurance advice.
About life insurance agents in Miami
Life insurance agents in Miami help residents choose policies that protect their families and meet Florida legal requirements. Florida law requires agents to hold a valid 2-15 or 2-18 license from the Florida Department of Financial Services. Many Miami agents also assist with hurricane preparedness riders and living benefits options common in the state.
Frequently Asked Questions
What license does a life insurance agent need in Florida?
A life insurance agent in Florida must hold a 2-15 Life and Variable Annuity license or a 2-18 Life and Health license. The Florida Department of Financial Services issues these licenses after passing the state exam.
How long does it take to get a life insurance policy in Miami?
Most term life policies take 2 to 6 weeks for underwriting and approval. Some Miami agents offer accelerated underwriting for healthy applicants that can issue a policy in under 10 days.
Are life insurance benefits taxable in Florida?
Life insurance death benefits are generally not subject to Florida state income tax because Florida has no personal income tax. Federal tax rules also usually exclude benefits from gross income.
Life Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Bartow · Belle Glade · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Brooksville · Cape Coral · Casselberry · Clearwater · Clermont