Your Complete Life Insurance Guide for Florida

Full analysis of  PROPERTY CRIME RATES  and  INSURANCE COSTS  in your city.

Daytona Beach
Jacksonville

Naples
Kissimmee

Sarasota
Tallahassee

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Why Do I Need Life Insurance?

Life insurance protects your loved ones or those close to you who depend on you for financial support. This coverage compensates your family, based on your income, and assists with funeral costs, daily living expenses and college funding. Whether you're married, have kids or are retired, life insurance is for you. It's a way to plan for the future and financially protect your family if an accident happens, unexpectedly.

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How Much Florida Life Insurance Do I Need?

You can't pinpoint it, but it all depends on your specific scenario. You need to calculate your current financial situation and imagine what your loved ones need in the coming years. Consider the number of dependents you have, your savings for funeral expenses, if any, and any other sources of income. You have to consider whether you want universal or whole life insurance, whether you have a business or estate taxes and whether you have any debt. It can get complex, which is why we highly recommend talking to a Trusted Choice® Independent Insurance Agent to figure it out.

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What Types of Life Insurance Can I Buy?

There are two main life insurance options: whole life (otherwise known as permanent life insurance) and term life (the simpler option). Whole life encompasses traditional whole life, universal life, variable life and variable universal life. This pays a death benefit when you die and often has many additional provisions. Alternatively, term life pays only if the death occurs during the term of the policy, which typically lasts from 1 to 30 years.

term vs permanent

Features of term life insurance:

  • Provides death benefits only
  • Pays benefits only if you die while the term of the policy is in effect
  • Is the easiest and most affordable life insurance policy option
  • Is purchased for a specific time period
  • Can be converted into whole life insurance

Features of whole life insurance:

  • Covers you for life
  • Provides death benefits and a cash value accumulation
  • Requires that you qualify with a health examination
  • May have more expensive premiums
  • Is a good choice for estate planning
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What Factors Affect Florida Life Insurance Rates?

Florida's overall life expectancy is 79.1 — slightly higher than the U.S. expectancy as a whole. And it's certainly a popular retirement destination, which means Florida residents may be approaching an age that warrants a comprehensive life insurance plan, since accidents and ailments can happen without warning. Heart disease, cancer and respiratory disease are the most common causes of death in the state, but a life insurance policy ensures your family is financially protected regardless. Even a violent crime in your area can impact rates, so pay attention to the details.

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How Do I find the Best Florida Life Insurance?

Finding comprehensive life insurance doesn't have to be complicated. When you team up with a Trusted Choice Independent Insurance Agent, you can choose from a number of quotes and policies and receive insurance that is not only comprehensive but also customized and affordable. You deserve to have peace of mind, knowing you and your loved ones are covered in case an accident happens.

12,427 AGENTS ARE READY TO HELP YOU

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Find the Best Insurance in Your City

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Daytona Beach
Jacksonville

Naples
Kissimmee

Sarasota
Tallahassee

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Daytona Beach

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City Factors Affecting Daytona Beach Life Insurance Rates

Being right on the water, Daytona Beach is a popular destination for tourists and winter birds alike. No wonder so many people fall in love with the area; It's easy to enjoy the sunshine and beach life. But nearly 30% of Daytona Beach residents are obese. It's an important factor when calculating Daytona Beach life insurance rates. Another characteristic to keep in mind is the area's risk of natural disasters, which should obviously be a major concern, since Florida is a coastal state and prone to hurricanes. Overall, insurance rates are unique and personalized. It all depends on what you need and how much you can afford.

Daytona Beach Obesity Rate:

27.2%

Becoming a Victim of Violent Crime in Daytona Beach:

1 in 65

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Find the Best Life Insurance in Daytona Beach

Are you ready to evaluate your life insurance options? A Trusted Choice agent can help. To get more information on rates, coverages and limits, contact your local agent today. We will find something based on your specific circumstances and ensure you and your family are financially protected if something unfortunate happens to you.

7 AGENTS READY TO HELP YOU

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Jacksonville

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City Factors Affecting Jacksonville Life Insurance Rates

Jacksonville is the cross point between the St. John's River and the Atlantic Ocean. It's a wonderful place, and nearly 843,000 people call it home. But these residents face serious obesity and health-related risks. Luckily, violent crime isn't a big threat, but areas with unhealthy populations can see an uptick in life insurance rates. Other factors that impact how much you pay include your career and hobbies. Whatever puts you at risk for death will be taken into account. Life insurance is also similar to every other type of coverage in that your policy is completely dependent on your situation, needs and budgetary limits.

Jacksonville Obesity Rate:

26%

Becoming a Victim of Violent Crime in Jacksonville

1 in 152

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Find the Best Life Insurance in Jacksonville

Working with a Trusted Choice agent means you'll have someone every step of the way to help you through the life insurance-buying process. It's the only surefire way to receive coverage that is comprehensive, customized and affordable. Our agents can compare quotes with numerous carriers until we find exactly what you're looking for when it comes to price, limits and benefit provisions.

77 AGENTS READY TO HELP YOU

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Kissimmee

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City Factors Affecting Kissimmee Life Insurance Rates

When you're looking closely at life insurance, it's important to take your geographic location into account too. Just consider the rates below for obesity and violent crime in Kissimmee. These numbers will impact how much you pay, based on how likely it is that you will die because of one of these factors. Another factor is the risk of a natural disaster (highly likely being that it's Florida, by the way). No matter what kind of insurance you need to purchase, your policy will be unique and customized to your specific situation.

Kissimmee Obesity Rate:

28.3%

Becoming a Victim of Violent Crime in Kissimmee:

1 in 154

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Find the Best Florida Life Insurance in Kissimmee

Comparing life insurance policies is always a good idea in order to determine which one makes sense and fits your needs. To receive a customized, comprehensive and affordable policy, you should talk to a Trusted Choice Independent Insurance Agent. It's a good way to ensure all of your bases are covered. You can even get all of your questions answered and receive a full evaluation of your options.

11 AGENTS READY TO HELP YOU

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Naples

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City Factors Affecting Naples Life Insurance Rates

Naples has its fair share of high-end shopping destinations, high-class golf courses and picturesque beaches. No wonder people fall in love with the area. It's one of the healthier cities in the state, which may help life insurance rates. Residents here are also less likely to experience a violent crime. But what makes life insurance here higher than average? Naples is more likely to be hit by a natural disaster than many other places around the country. Your life insurance policy will also look at your gender, health and other personal factors. To understand how it's calculated and receive a policy that's tailored to you, talk to a Trusted Choice agent.

Naples Obesity Rate:

22.9%

Becoming a Victim of Violent Crime in Naples

1 in 1,024

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Find the Best Florida Life Insurance in Naples

You need a life insurance policy and an agent that you can trust. It's your life we're talking about here. When you're ready to start discussing insurance needs, you should contact to a local Trusted Choice Independent Insurance Agent. It's the only way to receive coverage that is personalized and gives you and your dependents 360 degrees of protection.

51 AGENTS READY TO HELP YOU

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Sarasota

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City Factors Affecting Sarasota Life Insurance Rates

Located south of Tampa on the Gulf Coast, Sarasota is an impressive city, known as a gateway to miles of beaches and shallow waters. But can living here impact how much you pay for life insurance? To some degree, yes. The factors below related to health and crime can increase rates if they increase the potential for death. Plus, coastal states can experience more devastating natural disasters. Other factors like your occupation, activities and gender can be considered. No matter what, your insurance will be customized and unique to your financial situation, claims history and policy needs.

Sarasota Obesity Rate:

21.6%

Becoming a Victim of Violent Crime in Sarasota:

1 in 154

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Find the Best Florida Life Insurance in Sarasota

Whether you're overwhelmed with options or have a few questions, a Trusted Choice agent can help. Our knowledgeable and experienced agents specialize in life insurance and can advise you on the right coverage for your needs. Find a local Trusted Choice Independent Insurance Agent today who can provide a life insurance policy that gives your dependents the financial protection you can feel comfortable with.

49 AGENTS READY TO HELP YOU

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Tallahassee

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City Factors Affecting Tallahassee Life Insurance Rates

Although Tallahassee is the capital of Florida, it has a relatively small population of 186,411. Geographic and regional factors can impact how much you pay for life insurance. Just consider the fact that 26% of Tallahassee residents are obese. Another characteristic to keep in mind is the area's risk of natural disasters, which should obviously be a major concern, since Florida is a coastal state and prone to hurricanes. Whatever has the potential to affect your health or life will be taken into account. But overall, insurance rates are unique and personalized. It all depends on what you need and how much you can afford.

Tallahassee Obesity Rate:

26.5%

Becoming a Victim of Violent Crime in Tallahassee:

1 in 92

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Find the Best Florida Life Insurance in Tallahassee

An independent agent has the expertise necessary to find you the life insurance you need. Whether you're looking at a family, senior life or chronic illness policy, we are here to answer your questions and help you every step of the way. We have relationships with numerous carriers, so you can get numerous quotes and compare policies to make the right decision.

34 AGENTS READY TO HELP YOU

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