Policy types sold in Florida
The main kinds of life insurance are sold across the country, though the specific products, age limits and prices in Florida depend on which insurers have filed them here.
Who regulates insurance in Florida
Life insurers and agents in Florida are overseen by the Florida Office of Insurance Regulation. You can use it to confirm that an agent or company is licensed, look up complaint records and file a complaint. The National Association of Insurance Commissioners keeps a directory of state insurance departments (opens in a new tab).
Before you buy in Florida
- Confirm the agent is licensed in Florida.
- Ask about the free-look period. States require insurers to let you cancel a new policy for a refund within a set number of days, and your policy states the exact period.
- Ask whether the premium is fixed and whether the death benefit can ever decrease.
- Ask whether the policy has a waiting period. Here is how graded benefits work.
- Read the policy when it arrives and keep a copy where your beneficiary can find it.
How Get Life Quotes Today works in Florida
We are a marketing service, not an insurer or agency. When you call, we route you to a third-party licensed agent who serves Florida. If no partner is available for your state at that time, your call may not be connected. What to expect when you call.
Common questions
Who regulates life insurance in Florida?
The Florida Office of Insurance Regulation. It licenses insurers and agents that do business in Florida and handles consumer complaints.
Will the agent I speak with be licensed in Florida?
Agents must hold a license for the state where the applicant lives. Ask the agent for their name and license number, and verify it with the Florida Office of Insurance Regulation.
Is every type of policy available in Florida?
No. Each insurer decides which products to file in each state, so availability, age limits and pricing in Florida depend on the insurer.