Life Insurance in Miami, FL

Life insurance replaces your income for the people who depend on it. It pays off a mortgage, funds college, covers final expenses, or keeps a business running when an owner dies. The right amount and type depends on your situation, not on a formula.

We quote term and permanent policies from multiple carriers and explain the differences in plain language.

What life insurance covers

• Term life: coverage for a set period (10, 20, 30 years) at the lowest cost
• Whole life: permanent coverage with guaranteed cash value
• Universal and indexed universal life: permanent coverage with flexible premiums
• Final expense policies
• Key person and buy sell coverage for business owners

What Florida owners should know

Florida has no state income tax and no estate tax, but life insurance still plays a role in estate planning here, especially for business owners and for families who want to leave a home free and clear. Policies are generally issued after a short application and, depending on the amount, a medical exam or a records review.

Common questions

How much life insurance do I need?

A common starting point is 10 to 12 times your annual income, plus debts you want paid off. We will walk through your actual numbers.

Is term or whole life better?

Term is cheaper and covers the years when your family depends on you most. Whole life costs more but lasts your entire life and builds cash value. Many people use term for the bulk of their coverage.