The top-rated life insurance agent in St. Petersburg, Florida is HH Insurance Group, LLC, rated 5.0 stars across 2,304 reviews. Other highly rated options include Florida All Risk Insurance, Northeast Underwriters Insurance, Freedom Insurance Services. This directory lists 27 life insurance agents serving St. Petersburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | HH Insurance Group, LLC | 9887 4th St N # 200 | (727) 498-5551 |
| 2 | Florida All Risk Insurance | 7024 Central Ave | (888) 880-9200 |
| 3 | Northeast Underwriters Insurance | 4790 1st St N | (727) 521-4253 |
| 4 | Freedom Insurance Services | 5980 66th St N unit k | (727) 546-5600 |
| 5 | Insurance Resources | 6620 1st Ave S | (727) 345-0242 |
| 6 | Luis Macias State Farm Insurance | 1909 34th St N | (727) 864-1506 |
| 7 | Gulf Coast Insurance Services | 5429 Central Ave | (727) 317-5799 |
| 8 | Veritas Insurance Group, Inc. | 742 2nd Ave S | (866) 808-3344 |
| 9 | Melissa Ems Insurance Agency | 3446 49th Street N | (727) 321-9828 |
| 10 | Comegys Insurance Agency | 1 Beach Dr SE Suite 230 | (727) 521-2100 |
HH Insurance Group, LLC serves clients in the St. Petersburg, Florida area and specializes in helping individuals and families secure life insurance coverage. As a life insurance agent, the company guides clients through the process of selecting policies that address their financial protection needs during uncertain times. Working with local residents, the firm assists with applications and policy management for various coverage options. HH Insurance Group focuses specifically on term life and whole life insurance services in this region.
Florida All Risk Insurance in St. Petersburg, Florida provides a full range of life insurance agent services, including policy selection guidance and risk assessment for individuals. The agency offers annual policy reviews to ensure coverage remains aligned with clients’ evolving needs and life changes. Claims assistance is provided to policyholders navigating the insurance process. This agency services a diverse range of properties, including single-family homes, apartments, retail spaces, and restaurants.
Northeast Underwriters Insurance serves homeowners, families, and small business owners in St. Petersburg, Florida, offering life insurance policies that provide financial protection for loved ones and business continuity. The agency helps clients assess their coverage needs, whether for mortgage protection, income replacement, or estate planning. Working with multiple carriers, the agent compares product options to fit varying budgets and health profiles. South of downtown, the agency also covers the surrounding Pinellas County metro communities, including Gulfport and Treasure Island.
Serving St. Petersburg and the surrounding Tampa Bay communities, Freedom Insurance Services handles life insurance planning for individuals and families. It assists clients in understanding term, whole, and universal policy options to match financial goals. The process typically begins with a thorough review of the applicant’s health and coverage needs. The company then compares offerings from multiple carriers to identify an appropriate plan. Its general approach relies on explaining each policy’s terms and benefits clearly before finalizing any recommendation or application.
Insurance Resources in St. Petersburg, FL distinguishes between one-time service for single policy needs and recurring service for clients who prefer ongoing portfolio reviews. Its coverage options include term life and whole life plans designed to meet various financial goals. The agent works with residents to identify appropriate protection levels based on individual circumstances. Service runs on a one-time, scheduled, or as-needed basis depending on client preference and policy type.
As a life insurance agent in St. Petersburg, Florida, Luis Macias State Farm Insurance specializes in helping clients select term life and whole life policies to protect their families. It also offers auto, home, and renters insurance to address broader personal needs. For local residents, the agency works to explain how life coverage can maintain a household's financial stability. A particular seasonal concern the business assists with is helping new parents secure additional coverage after welcoming a child into the family during the holidays.
As residents along Florida's Gulf Coast begin the annual hurricane season preparation, many consider the role life insurance plays in a comprehensive financial safety plan. Gulf Coast Insurance Services in St. Petersburg responds by guiding clients through evaluating coverage needs, from term policies to permanent options. The focus remains on practical protection rather than complex product promotion. This process begins with a comfortable and private initial assessment, where individual circumstances and long-term goals are reviewed under no pressure.
Veritas Insurance Group, Inc. serves the St. Petersburg area by helping residents secure life insurance coverage for their families. Their agents also assist local businesses with commercial life insurance policies to protect key personnel and ensure operational stability. The agency guides clients through selecting appropriate plans for both residential and commercial needs across the region. After an initial policy is in place, they maintain contact and provide periodic reviews to adjust coverage as circumstances change between regular visits.
Melissa Ems Insurance Agency works with clients in St. Petersburg to assess and manage their personal financial risks. As a life insurance agent, it specializes in structuring policies that provide future financial protection for beneficiaries against unforeseen events. The agency evaluates individual coverage needs to help secure a family’s long-term stability through policy options available in the industry. It can serve local commercial sectors such as offices, warehouses, and food service operations seeking to integrate benefit packages efficiently.
Comegys Insurance Agency in St. Petersburg, FL, is known for providing life insurance products to local individuals and families. The agency helps clients explore policies that can offer financial protection for dependents in the event of an unexpected loss. Services commonly include term life plans for temporary coverage and whole life options for lifelong benefits. The agency assists with evaluating coverage needs based on personal circumstances and long-term goals. It can also add on riders for critical illness or accidental death benefits.
What Does a a Life Insurance Agent in St. Petersburg Cost?
Life insurance costs in Florida vary by age health and coverage amount. A healthy 35-year-old might pay 20 to 40 dollars per month for a 20-year 250,000 dollar term policy. Whole life policies often start at 100 dollars per month for the same coverage. Florida residents may see slightly higher rates due to hurricane risk and older average population. This is general information not insurance advice.
About life insurance agents in St. Petersburg
Life insurance agents in St. Petersburg Florida help residents choose policies that meet their needs. Florida law requires agents to hold a valid state license and follow the Florida Insurance Code. Many local agents offer free consultations to review term life whole life and universal life options.
Frequently Asked Questions
What license does a life insurance agent need in St. Petersburg Florida?
Agents must hold a valid Florida 2-15 Life and Health license or a 2-14 Life license. They must complete pre-licensing education and pass the state exam. Continuing education is required every two years to renew the license.
How long does it take to get a life insurance policy in Florida?
The process usually takes 2 to 6 weeks from application to approval. Florida law allows a 10-day free look period after you receive the policy. During this time you can cancel for a full refund.
Does Florida have a law about life insurance contestability?
Yes. Florida Statute 627.409 allows insurers to contest a policy for material misrepresentation within the first two years. After two years the policy is generally incontestable except for fraud.
Life Insurance Agents in Other Florida Cities
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