The top-rated life insurance agent in Fernandina Beach, Florida is Brightway Insurance, The Coastal Agency, rated 4.9 stars across 241 reviews. Other highly rated options include Brightway Insurance, The Tarzia Agency, Fernando Cevallos - State Farm Insurance Agent, 8 Flags Insurance Agency. This directory lists 19 life insurance agents serving Fernandina Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Brightway Insurance, The Coastal Agency | 5472 1st Coast Hwy Suite 12 | (904) 712-6300 |
| 2 | Brightway Insurance, The Tarzia Agency | 960185 Gateway Blvd STE 107 | (904) 491-7622 |
| 3 | Fernando Cevallos - State Farm Insurance Agent | 474418 E State Rd 200 | (904) 261-2664 |
| 4 | 8 Flags Insurance Agency | 1411 S 14th St STE M | (904) 310-6515 |
| 5 | Compass Group Insurance | 11 S 11th St | (904) 746-4648 |
| 6 | Estrella Insurance | 474268 E State Rd 200 | (904) 432-8736 |
| 7 | Nelson & Associates Insurance, LLC. | 1890 S 14th St #301 | (904) 326-3288 |
| 8 | Amelia Insurance | 2384 Sadler Rd | (904) 261-3606 |
| 9 | Morrow Insurance Group, Inc. | 1896 S 14th St STE 5 | (904) 261-0707 |
| 10 | Tatum Insurance Agency of Amelia Island | 5317 S Fletcher Ave #3 | (904) 729-4575 |
Brightway Insurance, The Coastal Agency serves the Fernandina Beach, Florida area as a life insurance agent. The company works with individuals and families to help them secure financial protection through various life insurance products. Policies are tailored to cover needs such as income replacement, final expenses, and long-term financial planning. Clients can also receive guidance on whole life policies and term life insurance, both of which are common options in this market.
Brightway Insurance, The Tarzia Agency in Fernandina Beach, Florida offers a full range of life insurance services, helping clients select appropriate term, whole, or universal life policies. Its service approach includes walking applicants through the underwriting process and providing ongoing policy reviews to adjust coverage as financial needs change. The agency develops maintenance plans that help policyholders keep their beneficiaries updated and payments on schedule. It services the insurance needs of individuals in single-family homes, apartments, retail businesses, and restaurants throughout the local area.
Fernando Cevallos - State Farm Insurance Agent serves homeowners, renters, and small business owners in the Fernandina Beach, Florida area with life insurance coverage. The agency works with clients to identify policies that can help provide financial protection for families and their beneficiaries. Services include term life, whole life, and universal life insurance options tailored to individual needs. This agency also provides coverage to residents throughout Nassau County, including the nearby community of Yulee.
8 Flags Insurance Agency serves Fernandina Beach, Amelia Island, and the surrounding Nassau County communities. It handles life insurance policies designed to provide financial protection for families and individuals against unexpected loss. The agency works with clients to understand their long-term goals and present coverage options that fit their specific needs and household budgets. To manage a typical case, it first reviews a client’s current situation, then compares available plans to recommend an appropriate policy amount and term length.
Prospective clients in Fernandina Beach choose between a single policy purchase for immediate term life needs or a recurring review of permanent coverage as their circumstances evolve. Compass Group Insurance guides individuals through these options, explaining how death benefits can safeguard family income and final expenses against unforeseen hardship. An agent assesses each applicant’s health history and budget to match term amounts or whole life accumulation goals. This service operates on a scheduled basis, typically renewed once a year when policies are reviewed.
Estrella Insurance in Fernandina Beach, Florida, is known for helping individuals and families secure financial protection through tailored life insurance policies. The agency’s service range includes term life, whole life, and universal life coverage, each designed to address different long-term planning needs. Clients receive guidance on policy features and benefit amounts based on their personal circumstances. Annuities can be added as a specialty service for those seeking guaranteed retirement income streams alongside their life insurance protection.
Nelson & Associates Insurance, LLC in Fernandina Beach, Florida focuses on life insurance policy options, including term, whole, and universal coverage, while also assisting clients with general risk management and financial protection planning. Its agents work with individuals and families to understand how coverage integrates into broader financial strategies. As residents consider estate planning or mortgage responsibilities, the office helps older clients review policy adjustments before seasonal hurricane threats or during major life transitions such as retirement.
Amelia Insurance provides comprehensive life insurance solutions for individuals and families in Fernandina Beach, Florida, with an added focus on specialized policy riders to enhance coverage. The agency assesses each client’s long-term financial needs and risk profile to recommend appropriate term or permanent life plans. Services are also available to commercial sectors requiring key person protection, including offices, warehouses, and food service businesses.
As coastal families in Fernandina Beach plan for their financial future or protect their estate, Morrow Insurance Group, Inc. provides personalized guidance on life insurance policies. They help clients understand term, whole, and universal life options that align with long-term goals. Every assessment begins with a thorough review of the individual’s current coverage and household needs. An in-person consultation or initial eligibility interview is scheduled to examine medical history and financial objectives for a tailored policy quote.
What Does a a Life Insurance Agent in Fernandina Beach Cost?
Typical costs for life insurance in Florida range from 20 to 100 dollars per month for a healthy 35 year old with a 250,000 dollar term policy. Whole life policies can cost 100 to 500 dollars per month or more. Costs vary based on age health coverage amount and policy type. This is general information not insurance advice.
About life insurance agents in Fernandina Beach
Life insurance agents in Fernandina Beach Florida help residents find coverage that meets their needs. Florida law requires agents to hold a valid state license and follow specific disclosure rules. Local agents understand the unique needs of Nassau County families and retirees.
Frequently Asked Questions
What license does a life insurance agent need in Florida?
A life insurance agent in Florida must hold a valid 2-15 or 2-18 license from the Florida Department of Financial Services. This requires completing pre licensing education and passing a state exam. Agents must also complete continuing education every two years.
How long does the Florida life insurance application process take?
The application process in Florida usually takes 2 to 6 weeks from application to policy issue. Some policies may require a medical exam and underwriting review. Florida law allows a 10 day free look period after you receive the policy.
What types of life insurance are common in Fernandina Beach Florida?
Common types include term life whole life and universal life insurance. Many Fernandina Beach residents choose term life for temporary coverage or whole life for permanent protection. Florida agents can explain the differences and help you compare options.
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