Life insurance companies in Florida play a crucial role in providing financial protection to individuals and families. The industry features a mix of independent agencies, corporate groups, and family-owned businesses, each offering various life insurance products such as term, whole, and universal policies. Recent trends indicate a shift towards technology-driven services with online accessibility, enhancing customer convenience. This digital transition is vital as Florida's population grows, and the demand for tailored insurance solutions rises. With insurance innovations addressing contemporary concerns, the industry aims to adapt and evolve for better financial security in uncertain times.


The top life insurance companies in Florida include a range of providers, from established agencies like AmeriLife and State Farm to up-and-coming firms such as Lifeley. Headquartered in key locations such as Clearwater, Orlando, and Miami, these companies vary in size from small family-run operations to large private enterprises. Established between the 1960s and 2010s, they focus on life, health, and retirement solutions. By catering to the unique needs of their clients, these firms work to combine personalized service with comprehensive insurance planning.


Read on to discover the top life insurance companies in Florida.


Top 20 Life Insurance Companies in Florida


1. AmeriLife

  • Website: amerilife.com
  • Ownership type: Private Equity
  • Headquarters: Clearwater, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2022
  • Founded year: 1971
  • Headcount: 1001-5000
  • LinkedIn: amerilife

AmeriLife, founded in 1971 and based in Clearwater, Florida, operates as an insurance agency and financial services provider. The company specializes in a wide array of products, including life insurance, health insurance, annuities, and retirement planning solutions. AmeriLife serves both individuals and businesses, assisting them in navigating complex insurance needs and securing their financial futures. With a workforce of over 1,300 employees, AmeriLife has established a robust distribution network that connects agents and advisors with clients across the United States. Their commitment to client service is evident in their approach, which emphasizes education and advocacy for clients' unique needs. AmeriLife also engages in partnerships with top-rated insurance carriers, enhancing their product offerings and market reach. The company has not reported any recent funding, indicating a stable operational model without reliance on external capital.


2. Senior Life Services

  • Website: theslsway.com
  • Ownership type: Private
  • Headquarters: Vero Beach, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1978
  • Headcount: 201-500
  • LinkedIn: senior-life-services

Senior Life Services, based in Vero Beach, Florida, is a private insurance company that has been operating since 1978. The firm specializes in life insurance services, offering individuals the opportunity to apply for coverage and obtain quotes through its user-friendly platform. The company is committed to providing financial security solutions, helping consumers safeguard their families and loved ones. With a workforce of approximately 413 employees, Senior Life Services has established a presence in the life insurance sector, focusing on personalized service and accessibility for its clients. The company operates entirely within the United States, ensuring a localized approach to its offerings.


3. Lifeley

  • Website: lifeley.com
  • Ownership type: Private
  • Headquarters: Orlando, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2018
  • Headcount: 51-200
  • LinkedIn: lifeley-tech

Lifeley Insurance, based in Orlando, Florida, is a private insurance agency founded in 2018. The company specializes in life insurance products, including Term Life, Whole Life, Final Expense, and Annuities. Lifeley aims to enhance the financial security of individuals and families through its offerings. It operates as an insurance marketing organization (IMO), focusing on providing agents with advanced tools and technology to better serve their clients. Lifeley is backed by The Strack Group, a venture capital firm that supports its growth and technological initiatives. The company is dedicated to streamlining the agent experience, allowing them to concentrate on sales and client relationships. Lifeley's proprietary platform, Lifeley.Tech, integrates various operational tools to assist agents in managing leads, sales, and team dynamics efficiently.


4. YOUR Insurance Group

  • Website: yourinsurancegroup.net
  • Ownership type: Corporate
  • Headquarters: Melbourne, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: October 2019
  • Founded year: 2013
  • Headcount: 501-1000
  • LinkedIn: your-insurance-group

YOUR Insurance Group, based in Melbourne, Florida, is an insurance agency that specializes in providing a variety of financial services, including life insurance, final expense insurance, mortgage protection, and annuities. Founded in 2013, the company has built a reputation for helping individuals and families secure financial protection against unforeseen events. They emphasize superior customer service and offer a streamlined application process, which is complemented by quick underwriting turnaround times, typically within 24 to 72 hours. In 2019, YOUR Insurance Group was acquired by Integrity Marketing Group, a significant player in the insurance distribution market, which has likely enhanced their operational capabilities and market reach. The company collaborates with several reputable insurance carriers, ensuring access to a wide range of products for their clients.


5. Secure Life Financial

  • Website: securelifefinancial.com
  • Ownership type: Family Owned
  • Headquarters: Miami Lakes, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2011
  • Headcount: 501-1000
  • LinkedIn: securelifefinancial

Secure Life Financial, founded in 2011 and headquartered in Miami Lakes, Florida, is a family-owned independent insurance agency. The firm offers a range of financial services, prominently featuring life insurance with living benefits, mortgage protection, and retirement planning solutions. Their innovative life insurance products allow policyholders to access a portion of their death benefits while still alive, particularly in cases of critical, chronic, or terminal illnesses. This feature is designed to mitigate the financial risks associated with unforeseen medical expenses, which are a leading cause of bankruptcy in the United States. Secure Life Financial prides itself on building strong partnerships with both agents and carriers, providing extensive training and support to its agents. The agency has received various awards and accolades, establishing itself as a significant player in the South Florida insurance market. Their mission focuses on educating clients about the importance of financial protection and the unique benefits of their products, aiming to empower families to safeguard their financial futures.


6. American Classic Agency

  • Website: aclassic.com
  • Ownership type: Family Owned
  • Headquarters: Jacksonville, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1995
  • Headcount: 1001-5000
  • LinkedIn: american-classic-agency

American Classic Agency (ACA), founded in 1995 and based in Jacksonville, Florida, is a family-owned life insurance agency dedicated to serving the financial needs of Middle America. The agency provides independent life insurance professionals with essential tools, training, and support to help families protect their income, eliminate debt, and create lasting financial legacies. ACA's business model emphasizes flexibility, allowing agents to work part-time without the pressure of sales quotas. The agency has made significant strides in the industry, placing over $1 billion in life insurance protection in 2022 and aiming for $1.5 billion in 2024. ACA's commitment to community empowerment is reflected in their initiatives, such as the G.O.O.D. Program, which assists families in managing debt and achieving financial independence. With a strong focus on agent success and client service, ACA continues to play a vital role in the life insurance sector.


7. Elite Insurance Partners


Elite Insurance Partners, based in Tampa, Florida, is an insurance brokerage founded in 2014. The company specializes in Medicare, life, and health insurance coverage, emphasizing the importance of client education and personalized service. With a team of licensed agents, Elite Insurance Partners assists individuals in navigating their insurance options, ensuring they select the best plans tailored to their specific needs. The firm has received accolades for its workplace culture and growth, ranking on the Inc. 5000 list for several consecutive years. This recognition reflects their operational success and commitment to providing quality insurance solutions. Elite Insurance Partners operates primarily in the consumer market, focusing on individual clients and their families, which positions them as a relevant player in the life insurance industry.


8. State Farm

  • Website: brantblessing.com
  • Ownership type: Private
  • Headquarters: Zephyrhills, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 51-200
  • LinkedIn: state-farm

State Farm, through the Brant Blessing agency, operates as an insurance agency based in Zephyrhills, Florida. Founded in 1981, the agency provides a variety of insurance products, prominently featuring life insurance alongside auto, homeowners, and business insurance. The agency's approach is centered on personalized service, helping clients navigate their insurance needs effectively. State Farm is known for its community-oriented focus, aiming to protect families and individuals from financial risks associated with unforeseen events. The agency does not report any recent funding, indicating a stable operational model without external financial backing. Their life insurance offerings are designed to provide peace of mind, ensuring that clients' loved ones are financially secure in the event of unexpected circumstances.


9. Ensure Financial Group


Ensure Financial Group, founded in 2005 and based in Lakeland, Florida, is a private insurance agency that specializes in a wide array of insurance and financial services. The company provides life insurance options such as term, whole, and universal life policies, catering to both individual consumers and businesses. Their mission is to protect essential assets, including life, income, and retirement, while also offering services like health insurance and commercial insurance. The firm prides itself on educating clients about their insurance choices and financial planning strategies, aiming to deliver peace of mind for both short and long-term financial goals. With a dedicated team of financial professionals, Ensure Financial Group has established itself as a resource for clients seeking to secure their financial futures.


10. Harris Insurance Services, Inc.


Harris Insurance Services, Inc. is a family-owned insurance agency based in Fort Walton Beach, Florida, established in 1965. The agency specializes in a wide array of insurance products, including life insurance, auto, homeowner, and business insurance. With a team of experienced agents, Harris Insurance aims to provide tailored insurance solutions to both individuals and businesses across Florida. They leverage their relationships with over 150 national insurance companies to offer competitive rates and comprehensive coverage options. The agency prides itself on its commitment to customer service, ensuring that clients receive personalized attention and support throughout their insurance journey. Their focus on life insurance, alongside other products, highlights their role in helping clients secure financial protection for their loved ones. Harris Insurance has built a reputation for reliability and customer satisfaction, making it a notable entity in the insurance industry.


11. Insurance Supermarket International USA

  • Website: insurance-supermarket.com
  • Ownership type: Corporate
  • Headquarters: Miami, Florida, United States (USA)
  • Employee distribution: United States (USA) 89%, Romania 3%, Canada 3%, Other 5%
  • Latest funding: April 2017
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: insurance-supermarket-inc-us

Insurance Supermarket International USA, founded in 2009 and headquartered in Miami, Florida, is an insurance provider that specializes in life insurance solutions. The company offers a variety of products, including term life, permanent life, and critical illness insurance, aimed at individuals and families looking for financial security. With a workforce of approximately 282 employees, the company operates primarily online, making it easier for clients to access affordable insurance options. Insurance Supermarket International has developed partnerships with several reputable insurance providers, allowing them to offer a wide range of trusted products. Their mission focuses on helping families protect themselves through easy and accessible life insurance solutions, reflecting their commitment to reducing financial exposure for households. The company has successfully provided over $15 billion in life insurance coverage to hundreds of thousands of customers, demonstrating their significant impact in the industry.


12. Herbie Wiles Insurance

  • Website: herbiewiles.com
  • Ownership type: Private
  • Headquarters: St. Augustine, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1961
  • Headcount: 11-50
  • LinkedIn: herbie-wiles-insurance

Herbie Wiles Insurance, established in 1961 and based in St. Augustine, Florida, is a private insurance agency that offers a wide array of insurance products, including life insurance, auto, home, and business insurance. With a workforce of approximately 35 employees, the agency prides itself on its personalized approach to insurance, emphasizing the importance of trust and relationships with clients. The company has a rich history, having maintained connections with its original insurance partners and expanding its offerings over the decades. Herbie Wiles Insurance is known for its community involvement and commitment to client education, providing resources such as an insurance glossary and emergency preparedness information. Their life insurance services are designed to protect families from unforeseen circumstances, showcasing their dedication to safeguarding clients' financial futures.


13. United Financial Consultants

  • Website: ufconline.com
  • Ownership type: Private
  • Headquarters: Miami, Florida, United States (USA)
  • Employee distribution: United States (USA) 61%, Colombia 34%, El Salvador 5%
  • Founded year: 2009
  • Headcount: 51-200
  • LinkedIn: unitedfinancialconsultants

United Financial Consultants (UFC) is an insurance brokerage based in Miami, Florida, with a focus on life and health insurance services. Established in 1982, UFC has grown from a local firm into a prominent player in the insurance market across Latin America and the Caribbean. The company offers a wide range of products, including life insurance, health insurance, travel insurance, disability insurance, and investment and pension planning. With a team of experienced professionals, UFC aims to provide customized insurance solutions that cater to the unique needs of individuals and businesses alike. Their operational strategy emphasizes building strong relationships with reputable insurance carriers, ensuring that clients receive quality products and services. UFC's international reach and commitment to client satisfaction have contributed to its reputation as a reliable consultancy in the insurance field.


14. Killingsworth Agency, Inc.


Killingsworth Agency, Inc., established in 1974, is a private insurance agency based in Brooksville, Florida. With a team of 23 employees, the agency serves both individual consumers and businesses, providing tailored insurance solutions to manage risks and protect assets. Their offerings include auto, home, business, and life insurance, among others. The agency prides itself on delivering personalized service and maintaining strong customer relationships. They operate in Hernando County and across Central Florida, emphasizing their commitment to quality service and community engagement. Killingsworth Agency also provides additional services such as permit and licensing assistance, showcasing their involvement in the local business ecosystem.


15. Page Insurance Agency Inc


Page Insurance Agency Inc, based in DeLand, Florida, has been serving the local community since 1965. This family-owned agency specializes in a variety of insurance products, including life insurance, auto, homeowner's, commercial, and health insurance. With a team of approximately 26 employees, they pride themselves on delivering personalized service tailored to the unique needs of their clients. The agency's commitment to community involvement is evident through their active participation in local events and organizations. They focus on building long-term relationships with their clients, treating them like family. Page Insurance Agency operates as an independent agency, which allows them to offer a range of options from various carriers, ensuring that clients receive the best possible coverage for their needs. Their longevity in the industry and dedication to customer service highlight their role as a trusted local insurance provider.


16. Evergreen Insurance

  • Website: evergreeninsurance.com
  • Ownership type: Family Owned
  • Headquarters: Royal Palm Beach, Florida, United States (USA)
  • Employee distribution: United States (USA) 76%, India 24%
  • Founded year: 2006
  • Headcount: 11-50
  • LinkedIn: evergreen-insurance-agency

Evergreen Insurance, based in Royal Palm Beach, Florida, is a family-owned independent insurance agency founded in 2006. With a team boasting over 100 years of combined insurance experience, the agency is dedicated to providing tailored insurance solutions to both individuals and businesses. Their offerings include a wide range of products such as auto, homeowners, property, life, health, travel, and commercial insurance. Evergreen Insurance emphasizes personalized service, aiming to build long-lasting relationships with clients by assessing their unique needs and finding the most competitive premiums. The agency operates primarily in the United States, with a small portion of its workforce based in India. They do not have any reported funding, indicating they are self-sustained and focused on organic growth.


17. Legacy Insurance Solutions, LLC


Legacy Insurance Solutions, LLC is an insurance agency based in Tallahassee, Florida, with an additional office in Palm Beach. Founded in 2011, the company operates with a team of 11 to 50 employees and is privately owned. They provide a wide range of insurance products, including personal auto policies, homeowner's insurance, and life and health plans. Their services cater to individuals, businesses, and organizations, aiming to help clients manage risks and protect their assets through tailored insurance solutions. The agency prides itself on offering personalized service akin to a boutique firm while leveraging the resources typically associated with larger companies. They have access to numerous insurance providers, which allows them to offer various coverage options to meet the unique needs of their clients.


18. Flow International Group (FIG)


Flow International Group (FIG), based in Miami, Florida, is a life insurance agency founded in 2021. The company specializes in offering a variety of life insurance products, including Indexed Universal Life, Whole Life, and Term Life policies. They cater to a broad audience, including U.S. citizens and immigrants, and are notable for their no medical exam underwriting process, allowing clients to secure coverage up to $2 million. FIG prides itself on quick policy delivery, often within 24 hours, and provides comprehensive support for both agents and clients. The agency operates with a multicultural team, with a significant portion of their agents fluent in Spanish, reflecting their commitment to serving a diverse clientele. They partner with A+ rated carriers, ensuring a level of reliability in the products they offer. Despite being a relatively new player in the industry, FIG aims to disrupt traditional insurance models by focusing on accessibility and speed in policy issuance.


19. Florida Insurance Agency

  • Website: floridainsuranceagency.net
  • Ownership type: Venture Capital
  • Headquarters: Pace, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: June 2020
  • Founded year: 1993
  • Headcount: 11-50
  • LinkedIn: florida-insurance-agency

Florida Insurance Agency, founded in 1993 and based in Pace, Florida, is an independent insurance agency that provides a wide array of insurance products. With a team of approximately 38 employees, the agency serves both individual consumers and businesses, helping them manage risks and protect their assets through tailored insurance solutions. Their offerings include auto, home, life, and business insurance, with a strong emphasis on customer service and personalized coverage options. The agency operates multiple locations in Florida, including Pace and Pensacola, making it accessible to a broad customer base. They partner with various reputable insurance carriers to provide competitive rates and comprehensive coverage, ensuring that clients can find suitable insurance solutions for their needs.


20. First Family Insurance

  • Website: firstfamilyinsurance.com
  • Ownership type: Private
  • Headquarters: Fort Myers, Florida, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2004
  • Headcount: 1001-5000
  • LinkedIn: firstfamilyinsurance

First Family Insurance, founded in 2004 and based in Fort Myers, Florida, is a private insurance agency specializing in health and life insurance products. With a workforce of approximately 289 employees, the company prides itself on delivering personalized service to clients, helping them navigate the complexities of the insurance market. First Family Insurance offers a variety of life insurance options, including whole and term life policies, aimed at providing financial security for families. Their commitment to understanding individual client needs and financial goals has enabled them to build lasting relationships. The agency has established access to numerous plans from top carriers, which enhances their ability to offer tailored solutions. Over the years, First Family Insurance has gained recognition for its customer service, as evidenced by positive client testimonials. The company operates solely within the United States, ensuring a focused approach to the domestic insurance market.



Life Insurance Insights: Key Companies in Florida


CompanyHeadquarterSizeFoundedOwnership
AmeriLifeClearwater, Florida, United States (USA)1001-50001971Private Equity
Senior Life ServicesVero Beach, Florida, United States (USA)201-5001978Private
LifeleyOrlando, Florida, United States (USA)51-2002018Private
YOUR Insurance GroupMelbourne, Florida, United States (USA)501-10002013Corporate
Secure Life FinancialMiami Lakes, Florida, United States (USA)501-10002011Family Owned
American Classic AgencyJacksonville, Florida, United States (USA)1001-50001995Family Owned
Elite Insurance PartnersTampa, Florida, United States (USA)51-2002014Private
State FarmZephyrhills, Florida, United States (USA)51-2001981Private
Ensure Financial GroupLakeland, Florida, United States (USA)11-502005Private
Harris Insurance Services, Inc.Fort Walton Beach, Florida, United States (USA)11-501965Family Owned
Insurance Supermarket International USAMiami, Florida, United States (USA)201-5002009Corporate
Herbie Wiles InsuranceSt. Augustine, Florida, United States (USA)11-501961Private
United Financial ConsultantsMiami, Florida, United States (USA)51-2002009Private
Killingsworth Agency, Inc.Brooksville, Florida, United States (USA)11-501974Private
Page Insurance Agency IncDeland, Florida, United States (USA)11-501965Private
Evergreen InsuranceRoyal Palm Beach, Florida, United States (USA)11-502006Family Owned
Legacy Insurance Solutions, LLCTallahassee, Florida, United States (USA)11-502011Private
Flow International Group (FIG)Miami, Florida, United States (USA)10001+2021Private
Florida Insurance AgencyPace, Florida, United States (USA)11-501993Venture Capital
First Family InsuranceFort Myers, Florida, United States (USA)1001-50002004Private


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