The top-rated life insurance agent in Palmetto Bay, Florida is Univista Insurance, rated 4.9 stars across 1,523 reviews. Other highly rated options include GreatFlorida Insurance: Tamara Mourino, Del Toro Insurance, Steve Myers - State Farm Insurance Agent. This directory lists 17 life insurance agents serving Palmetto Bay.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Univista Insurance | 17605 S Dixie Hwy | (305) 507-9638 |
| 2 | GreatFlorida Insurance: Tamara Mourino | 9811 Wayne Ave | (305) 256-0616 |
| 3 | Del Toro Insurance | 13843 S Dixie Hwy | (305) 831-2505 |
| 4 | Steve Myers - State Farm Insurance Agent | 9004 SW 152nd St | (305) 253-5800 |
| 5 | Sebanda Insurance | 17595 S Dixie Hwy | (305) 817-4392 |
| 6 | Grabowski-Scheller Agency: Allstate Insurance | 9000 SW 152nd St Ste 103 | (888) 776-7805 |
| 7 | Del Toro Insurance Kendall | 10579 SW 109th Ct | (786) 214-7551 |
| 8 | D Insurance Group | 9555 SW 175th Terrace Suite 224 | (305) 882-9358 |
| 9 | All About Insurance, Inc. | 17891 S Dixie Hwy STE 105 | (305) 251-3098 |
| 10 | All American Insurance | 9036 SW 152nd St | (305) 233-0855 |
Univista Insurance specializes in providing whole life and term life insurance policies to residents of Palmetto Bay, Florida. It also assists clients with reviewing existing coverage to ensure adequate protection for their families. The agency focuses on tailoring plans that fit individual financial circumstances and long-term goals. As local needs shift, it particularly helps homeowners update their policies following major life events like the purchase of a new home or the arrival of a child during the busy summer season.
GreatFlorida Insurance: Tamara Mourino serves Palmetto Bay and the broader Miami-Dade County area as a life insurance agent. The company helps local residents secure financial protection through various life insurance solutions. Policy options are designed to provide beneficiaries with coverage for end-of-life expenses and income replacement. This agency also assists clients in Palmetto Bay with term life policies and whole life insurance plans tailored to their long-term financial needs.
As families in Palmetto Bay consider their financial security for the coming year, a conversation about life insurance becomes a practical step in long-term planning. Del Toro Insurance offers guidance on coverage options tailored to local needs, helping residents assess their beneficiaries’ potential future expenses. The process typically begins with a no-obligation meeting where a professional reviews personal circumstances. This initial-assessment step allows for a clear comparison of available term and permanent policies, ensuring that the recommended plan aligns with the client's current budget and long-term goals.
Steve Myers – State Farm Insurance Agent in Palmetto Bay, FL offers life insurance policies designed to provide financial protection for beneficiaries. Service includes personalized consultations to assess coverage needs and regular policy reviews to adjust plans as life circumstances change. Assistance with claims filing and beneficiary updates is also available to policyholders. The agency services single-family homes, apartments, retail establishments, and restaurants.
Sebanda Insurance provides life insurance coverage for individuals and families in Palmetto Bay, Florida. The agency specializes in term life and whole life policies designed to meet different stages of financial planning. It also offers supplemental coverage options, such as accidental death and disability riders, to enhance primary plans. Serving the local area, the company can assist commercial clients in offices, warehouses, and food service establishments with group life insurance needs for employees.
Homeowners and businesses in Palmetto Bay, FL, rely on Grabowski-Scheller Agency: Allstate Insurance for life insurance coverage. Life insurance agents work closely with individuals and families to ensure financial protection in the event of an unexpected death. They also serve property managers seeking to secure their investments and provide employee benefits. Policies are tailored to meet long-term goals and changing circumstances. The agency additionally covers clients in the surrounding neighborhoods of Cutler Bay and the greater Miami metropolitan area.
Serving Palmetto Bay and the surrounding South Florida communities, Del Toro Insurance Kendall helps clients navigate life insurance options. The agent focuses on understanding individual needs, from term policies to whole life coverage. Each policy is chosen to provide financial protection for families in the local area. The approach involves a thorough review of a client's current situation and future goals. A comprehensive plan is then built to match their specific income and family requirements.
D Insurance Group provides life insurance solutions for residents throughout Palmetto Bay, Florida. The agency also extends its services to local businesses requiring commercial coverage in the surrounding area. Every policy is tailored to protect families and enterprises from financial uncertainty. Clients rely on clear explanations of term and permanent options during annual reviews. The office schedules regular follow-up appointments to adjust coverage as circumstances change between routine visits, ensuring long-term financial security.
For clients seeking one-time policy setup or ongoing coverage reviews, All About Insurance, Inc. provides personalized life insurance agent services in Palmetto Bay, FL. The firm helps individuals evaluate term, whole, and universal life plans to match financial goals. Because life insurance needs evolve, the agent can recommend periodic policy adjustments following major life events such as marriage or childbirth. Annual reviews are standard for existing clients, while new customers may opt for a single consultation. Support runs on either a scheduled or as-needed basis.
All American Insurance in Palmetto Bay, Florida, is known for providing life insurance policies and supporting clients with coverage options tailored to individual needs. The company assists families and individuals in the area with term, whole, and universal life insurance plans. Agents guide customers through policy selection, application processes, and beneficiary designations to ensure appropriate financial protection. Services also include consultations on how life insurance can integrate with long-term financial strategies. The firm additionally offers final expense insurance coverage to help manage end-of-life costs.
What Does a a Life Insurance Agent in Palmetto Bay Cost?
Life insurance costs in Florida vary by age, health, coverage amount, and policy type. A healthy 35-year-old in Palmetto Bay might pay $25 to $50 per month for a 20-year term policy with $500,000 in coverage. Whole life policies typically cost more, often $100 to $300 per month for similar coverage. Florida residents may also see slightly higher rates due to the states hurricane risk and older population. This is general information, not insurance advice.
About life insurance agents in Palmetto Bay
Life insurance agents in Palmetto Bay, Florida help residents choose policies that protect their families and meet financial goals. Florida law requires all life insurance agents to hold a valid state license and follow strict disclosure rules under Florida Statute 626. Agents can explain how Florida's homestead exemption and estate tax rules affect your coverage needs.
Frequently Asked Questions
What does a life insurance agent in Palmetto Bay do?
A life insurance agent helps you compare policies from different carriers, explains coverage options, and assists with the application process. They also help you understand Florida-specific rules like the free look period which gives you 10 days to cancel a new policy for a full refund.
Do I need a life insurance agent or can I buy directly?
You can buy directly from an insurance company, but an agent can show you multiple carriers and find a policy that fits your budget. Agents in Florida must follow the state's suitability standards to ensure the policy matches your needs.
How do I verify a life insurance agents license in Florida?
You can check an agents license status on the Florida Department of Financial Services website. Licensed agents in Palmetto Bay must complete continuing education courses every two years to maintain their credentials.
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