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HomeLife Insurance AgentsFlorida › Winter Haven

Find Life Insurance Agents Near You in Winter Haven, FL

Browse life insurance agents serving Winter Haven, Florida. Updated 2026-07-14.

The top-rated life insurance agent in Winter Haven, Florida is Rob Semans - State Farm Insurance Agent, rated 4.9 stars across 981 reviews. Other highly rated options include Team Barfield - Barfield Insurance, Jessica Cruz Phung - State Farm Insurance Agent, Acceptance Insurance. This directory lists 23 life insurance agents serving Winter Haven.

Showing 23 life insurance agents in Winter Haven, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Rob Semans - State Farm Insurance Agent639 1st St S(863) 299-1274
2Team Barfield - Barfield Insurance141 5th St NW #302(863) 662-3134
3Jessica Cruz Phung - State Farm Insurance Agent1102 Cypress Gardens Blvd Unit G(863) 269-0066
4Acceptance Insurance910 Havendale Blvd NW #134(863) 733-7006
5Barfield Insurance & Financial Services Inc.110 Spirit Lake Rd Unit 5(863) 293-5400
6Joseph Bullington: Allstate Insurance1900 Havendale Blvd NW ste c(863) 299-6449
7Karen Bryan - State Farm Insurance Agent391 Ave A SW(863) 268-2800
8GreatFlorida Insurance: Brock Schnabel5658 Cypress Gardens Blvd(863) 594-2600
9Dan Mann - State Farm Insurance Agent6380 Cypress Gardens Blvd(863) 318-8881
10American Insurance Inc3610 Havendale Blvd(863) 965-2886
RS
639 1st St S
Rob Semans - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL

Rob Semans - State Farm Insurance Agent serves the Winter Haven, Florida, area as a local life insurance agent. This agency provides assistance with selecting individual term or whole life insurance policies to help clients build financial protection for their families. The agent also helps customers consider accidental death and dismemberment coverage options. For individuals in Winter Haven, this office handles final expense insurance policies and can help review existing life insurance coverage for adequacy.

TB
141 5th St NW #302
Team Barfield - Barfield Insurance
Life Insurance Agent · Winter Haven, FL

Team Barfield - Barfield Insurance provides a full range of life insurance policies to individuals and families in the Winter Haven area. Services include term life, whole life, and universal life coverage, with personalized consultations to help clients determine appropriate benefit amounts. Policyholders receive ongoing support for claims processing and policy adjustments as their circumstances evolve. This life insurance agent services residential properties such as single-family homes and apartments, as well as commercial properties including retail stores and restaurants.

JC
1102 Cypress Gardens Blvd Unit G
Jessica Cruz Phung - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL

Homeowners, renters, and small business owners in the Winter Haven area turn to Jessica Cruz Phung - State Farm Insurance Agent for life insurance guidance and tailored policy options. The agency works with clients to understand their financial goals and long-term family needs, offering policies designed to provide financial protection and peace of mind. In addition to serving Winter Haven proper, their life insurance services are also available to residents in the nearby communities of Lake Alfred and Auburndale.

AI
910 Havendale Blvd NW #134
Acceptance Insurance
Life Insurance Agent · Winter Haven, FL

Acceptance Insurance serves residential clients in Winter Haven with life insurance policies tailored to individual needs. The agency also offers commercial coverage for local businesses throughout the surrounding Polk County area. Agents assess each client’s financial goals to recommend appropriate term or whole life plans. After an initial policy is issued, the team provides follow‑up service between regular visits, adjusting coverage as family circumstances or business requirements change over time.

BI
110 Spirit Lake Rd Unit 5
Barfield Insurance & Financial Services Inc.
Life Insurance Agent · Winter Haven, FL

Serving Winter Haven and the surrounding communities in Central Florida, Barfield Insurance & Financial Services Inc. provides life insurance agent services for local residents and families. The agency handles term and permanent life policies designed to help protect loved ones in the event of an unexpected death. A typical job involves meeting with clients to review their coverage needs during a brief consultation. It then customizes a plan by comparing available options from a range of carriers to match each household’s budget and long-term goals.

JB
1900 Havendale Blvd NW ste c
Joseph Bullington: Allstate Insurance
Life Insurance Agent · Winter Haven, FL

Joseph Bullington: Allstate Insurance in Winter Haven, FL, helps clients navigate the difference between term life policies, which provide coverage for a set period, and whole life insurance, which serves as both a lifelong benefit and a cash-value asset. Coverage plans are tailored to individual needs such as income replacement or final expense management. Service appointments run on a scheduled basis, allowing for periodic policy reviews and adjustments as personal circumstances change over time.

KB
391 Ave A SW
Karen Bryan - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL

Offering personalized life insurance and financial services, Karen Bryan - State Farm Insurance Agent assists Winter Haven residents with individual and family coverage planning. The agency also provides auto, home, and renters insurance to meet comprehensive protection needs. Clients can discuss term life policies or whole life options for long-term security. The office helps families review benefits after major life events, such as the birth of a child. It additionally addresses concerns about covering final expenses or replacing income during the holiday season when budgets are tight.

GI
5658 Cypress Gardens Blvd
GreatFlorida Insurance: Brock Schnabel
Life Insurance Agent · Winter Haven, FL

As families in Winter Haven plan for their future security, GreatFlorida Insurance: Brock Schnabel provides guidance on life insurance options tailored to individual needs. The agency helps local residents navigate term and whole life policies, ensuring they understand coverage for final expenses or income replacement. Protecting loved ones through uncertain times remains the central focus of their consultations. An initial needs assessment is scheduled during the first meeting to evaluate each client's financial situation and policy preferences.

DM
6380 Cypress Gardens Blvd
Dan Mann - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL

Dan Mann as a State Farm insurance agent in Winter Haven, Florida provides life insurance policies designed to help safeguard a family's financial future. He also commonly offers additional coverage options, including term life and whole life products tailored to individual needs. His agency typically serves local businesses and commercial sectors, such as offices requiring key person protection, warehouses needing liability coverage, and food service establishments seeking comprehensive employee benefits.

AI
3610 Havendale Blvd
American Insurance Inc
Life Insurance Agent · Winter Haven, FL

American Insurance Inc provides life insurance services for residents in Winter Haven, Florida. The agency also offers commercial coverage for local businesses in the surrounding areas. Clients can explore term, whole, and universal life policies tailored to their financial goals and family needs. An agent reviews each situation to recommend appropriate coverage amounts. After an initial consultation, the company follows up to adjust policies as circumstances change and provides ongoing support between regular visits to ensure coverage remains suitable.

AP
6322 Cypress Gardens Blvd
AmeriLife of Polk County, LLC
Life Insurance Agent · Winter Haven, FL
(863) 291-4111
amerilife.com/polk
LM
600 3rd St SW
Lacy McClintock - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL
(863) 294-3580
teamlacy.com
CI
308 Ave G SW Suite 201
Clearvue Insurance Agency (Formerly Lorna Wilson Agency)
Life Insurance Agent · Winter Haven, FL
(863) 866-8990
clearvueinsurance.com
JL
1750 Havendale Blvd NW STE 1
J&KC Life Insurance Agency
Life Insurance Agent · Winter Haven, FL
(863) 368-5964
facebook.com/jkclifeinsurance
LB
5405 Cypress Gardens Blvd
L.B. Yates - State Farm Insurance Agent
Life Insurance Agent · Winter Haven, FL
(863) 324-2411
lbyates.com
FB
3039 Cypress Gardens Rd
Farm Bureau Insurance
Life Insurance Agent · Winter Haven, FL
(863) 299-3892
floridafarmbureau.com
SI
3395 Cypress Gardens Rd
Sealy Insurance
Life Insurance Agent · Winter Haven, FL
(863) 324-3100
CM
205 Ave G SW
Carroll-Marshall Insurance, Inc.
Life Insurance Agent · Winter Haven, FL
(863) 293-1111
cminsure.com
MI
151 1st St S C
Mercer Insurance Agency, Inc.
Life Insurance Agent · Winter Haven, FL
(863) 293-7606
mercuryinsurance.com/agents/florida/mercer-insurance-agency-09f318.html
DI
190 Avenue A NW
Dershimer Insurance Agency
Life Insurance Agent · Winter Haven, FL
(863) 299-8330
dershimerinsurance.com
EB
1330 Havendale Blvd NW
Ewing Blackwelder & Duce Insurance
Life Insurance Agent · Winter Haven, FL
(863) 293-2838
ebdins.com
BI
150 3rd St SW Suite 203
Brightway Insurance, The Bailey and Associates Agency
Life Insurance Agent · Winter Haven, FL
(863) 614-1300
brightwaybaileyandassociates.com
FS
20 3rd St SW #203
Fred Simons Insurance Agency, LLC
Life Insurance Agent · Winter Haven, FL
(863) 259-1826
thesimonsagency.com

What Does a a Life Insurance Agent in Winter Haven Cost?

Term life insurance for a healthy 35-year-old in Florida often costs between $25 and $50 per month for a $250,000 policy. Whole life insurance premiums can range from $100 to $300 per month for similar coverage. Costs vary by age, health, policy type, and coverage amount. This is general information, not insurance advice.

About life insurance agents in Winter Haven

Life insurance agents in Winter Haven, Florida help residents choose policies that protect their families and meet financial goals. Florida law requires agents to be licensed by the Florida Department of Financial Services and follow strict disclosure rules. Local agents understand the needs of Winter Haven families and businesses.

Frequently Asked Questions

What license does a life insurance agent need in Florida?

Agents must hold a valid Florida Life Insurance license (2-15 or 2-14) from the Florida Department of Financial Services. They must complete pre-licensing education and pass a state exam.

How does Florida law affect life insurance policies?

Florida has a 10-day free look period for new policies. Beneficiaries must file claims within two years of the insureds death. Suicide exclusions typically apply for the first two years.

Can I buy life insurance from an agent in Winter Haven if I have health issues?

Yes. Many agents work with carriers that offer guaranteed issue or simplified issue policies for those with pre-existing conditions. Premiums may be higher and coverage limits lower.

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.