Life insurance by state · FL
Life insurance in Florida
What Florida law gives you, which carriers quote in Florida, and how to get covered — from an independent agency licensed in Florida.
The short answer
Florida residents can choose from 10 final expense and 15 term life carriers we work with that quote in Florida. New policies typically come with a 14-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Florida
| Regulator | Florida Department of Financial Services (Division of Consumer Services) |
|---|---|
| Free-look period | Typically at least 14 days |
| Guaranty association | Florida Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Florida
- When a Florida life policy pays a lump-sum death benefit, the insurer must add interest from the date it receives written due proof of death, at a rate at least equal to Moody's Corporate Bond Yield Average (Fla. Stat. § 627.4615). Source
- In Florida no one may sell, advertise or arrange a preneed (prepaid) funeral or burial contract, or take payments on one, without a valid preneed license under Chapter 497 (Fla. Stat. § 497.452). Source
Carriers we work with that quote in Florida
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Florida results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Florida
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Florida carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Florida. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Florida — FAQ
How long is the free-look period for life insurance in Florida?
New individual life insurance policies sold in Florida typically give you at least 14 days to review the policy and cancel for a full refund. The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Florida?
The Florida Life & Health Insurance Guaranty Association protects Florida residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Florida?
The Florida Department of Financial Services (Division of Consumer Services). You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Florida by phone?
Yes. United Eagles Financial is licensed for life insurance in Florida; most applications are done by phone or video with an electronic signature.