The top-rated life insurance agent in Miami Gardens, Florida is Legacy Builders Insurance Agency, rated 5.0 stars across 515 reviews. Other highly rated options include Estrella Insurance, Tonya Baker-Turner - State Farm Insurance Agent, Insurance World. This directory lists 19 life insurance agents serving Miami Gardens.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Legacy Builders Insurance Agency | 19545 NW 2nd Ave | (305) 749-6303 |
| 2 | Estrella Insurance | 3489 NW 183rd St | (305) 925-9944 |
| 3 | Tonya Baker-Turner - State Farm Insurance Agent | 18300 NW 62nd Ave STE 330 | (305) 621-1515 |
| 4 | Insurance World | 18400 NW 75th Pl Unit 119 | (305) 418-0222 |
| 5 | GoldenTrust Insurance Miami Gardens | 5663 NW 195th Dr | (305) 998-7133 |
| 6 | Agente de Seguro - Juan Acevedo | 15730 NW 37th Ave | (786) 426-6565 |
| 7 | Brightway Insurance, Miami Lakes | 18191 NW 68th Ave Suite 222 | (305) 676-6762 |
| 8 | Sebanda Insurance | 4771 NW 167th St | (305) 390-8415 |
| 9 | L&P INSURANCE CORP | 18512 NW 67th Ave | (786) 280-6698 |
| 10 | Univista Insurance | 4729 NW 183rd St | (305) 406-6708 |
Legacy Builders Insurance Agency serves the Miami Gardens, Florida area as a life insurance agent. It helps local individuals and families find financial protection for their loved ones through various policy options. The agency focuses on explaining coverage choices so clients can make informed decisions about their long-term security. It also assists with adjusting current plans to meet changing needs. Among the services it provides are term life insurance policies and whole life insurance policies for residents in this community.
Estrella Insurance provides term life, whole life, and final expense coverage for residents of Miami Gardens, Florida. It also guides clients through policy selection and beneficiary planning to match individual financial goals. The agency helps families secure income replacement and debt protection for long-term stability. Understanding that South Florida’s hurricane season creates particular financial uncertainty, the company assists clients in adjusting their life insurance plans to cover storm-related costs and emergency fund needs.
Tonya Baker-Turner - State Farm Insurance Agent offers life insurance policies designed to help protect families and individuals in Miami Gardens, Florida. Its services include term life and whole life coverage, which can support beneficiaries with financial security. The agency assists clients in reviewing their coverage needs and adjusting plans over time. Personalized consultations help policyholders understand how their life insurance can work alongside other financial plans. Tonya Baker-Turner - State Farm Insurance Agent serves single-family homes, apartments, retail businesses, and restaurants in the local area.
Insurance World serves local homeowners and business owners in Miami Gardens, Florida, by helping them review and select life insurance policies suited to their individual needs. The agency assists clients in understanding coverage options that can protect their families and financial obligations. With a focus on straightforward guidance, the company works to match customers with appropriate plans from various providers. Serving the broader area north of Miami, Insurance World also covers nearby communities such as North Miami Beach and parts of southern Broward County for those seeking life insurance assistance.
GoldenTrust Insurance Miami Gardens serves clients in Miami Gardens and surrounding communities, handling life insurance policies that provide financial protection for families. The company assists with coverage options suited to local residents, helping them plan for future needs in a straightforward manner. It works with individuals to assess their circumstances and recommends appropriate plans from available carriers. For a typical client, it gathers necessary information, reviews choices, and guides the selection process to find a suitable fit.
Agente de Seguro - Juan Acevedo provides life insurance agent services in Miami Gardens, Florida, helping clients distinguish between single-purchase term policies and recurring premium whole life plans. Coverage options focus on financial protection for beneficiaries, addressing income replacement and final expense needs. Services are arranged on an as-needed basis, with consultations offered to review or adjust existing policies without a set schedule.
Brightway Insurance in Miami Lakes offers term life, whole life, and universal life insurance policies tailored to individual coverage needs. The agency serves clients throughout Miami Gardens, Florida, providing guidance on selecting appropriate death benefit amounts and policy durations. It assists residents with applying for coverage that protects families from financial hardship after an unexpected death. As the hurricane season approaches, the company helps local homeowners review their existing life insurance to ensure sufficient coverage for storm-related debts and final expenses.
As families in Miami Gardens review their financial plans before the new year, Sebanda Insurance helps residents secure their loved ones’ future through life insurance policies. The agency works with local clients to navigate term and whole life options that fit individual budgets and family goals. Every consultation begins with a no-obligation needs analysis to review existing coverage and identify gaps. An initial in-person or phone inspection is then scheduled to assess each applicant’s current health and financial situation.
As Miami Gardens families consider their financial futures during open enrollment seasons, L&P INSURANCE CORP provides guidance on life insurance options. The agents explain how term or whole policies can protect loved ones from unexpected financial burdens. They discuss coverage amounts tailored to local income levels and household needs. Their approach focuses on clarifying policy terms without pressure. Before any application proceeds, the company reviews client medical histories and current health status during an initial assessment step.
Univista Insurance helps individuals manage financial risk and secure protection for their loved ones in Miami Gardens, Florida. As a Life Insurance Agent, the company offers both term life insurance for temporary coverage needs and whole life insurance for permanent benefits that build cash value. Policies can cover final expenses, replace lost income, or provide for long-term dependents. Businesses such as offices, warehouses, and food service operations can purchase key person coverage to protect against the financial loss of essential employees.
What Does a a Life Insurance Agent in Miami Gardens Cost?
The cost of life insurance in Florida varies by age, health, and policy type. A healthy 30-year-old might pay $20 to $40 per month for a 20-year term policy with $500,000 in coverage. Older individuals or those with health conditions may pay $100 or more per month for similar coverage. Whole life policies are more expensive, often starting at $100 per month. This is general information, not insurance advice.
About life insurance agents in Miami Gardens
Life insurance agents in Miami Gardens, Florida help residents find coverage that protects their families and meets state requirements. Florida law does not require life insurance, but it can be essential for mortgage protection and income replacement. Agents in Miami Gardens can guide you through Florida-specific regulations, such as the free look period and grace period rules.
Frequently Asked Questions
What types of life insurance do agents in Miami Gardens offer?
Agents in Miami Gardens typically offer term life, whole life, and universal life insurance policies. Term life provides coverage for a set period, while whole life builds cash value over time. Universal life offers flexible premiums and death benefits.
Do I need a medical exam to get life insurance in Florida?
Many life insurance policies in Florida require a medical exam, but some no-exam policies are available. These no-exam policies often have lower coverage limits and higher premiums. An agent can help you compare options based on your health history.
How does Florida law affect my life insurance policy?
Florida law gives you a free look period of at least 10 days to cancel a policy for a full refund. The state also has a grace period of 30 days for premium payments. If you miss a payment, your coverage continues during this time.
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