Life insurance in Florida: how to get covered
Joseph Citrola is an independent life insurance agent based in Fort Myers, Florida with Fastlane Financial. He compares term life, whole life, IUL, final expense and mortgage protection from several insurance companies and helps Florida families pick the one that fits. Quotes are free, many plans need no medical exam, and he is licensed in 28 states.
By Joseph Citrola, independent life insurance agent with Fastlane Financial. Licensed, NPN 20686856.
Rates do not depend on your zip code
Life insurance rates in Florida are filed with the Florida Office of Insurance Regulation and are based on your age, health, tobacco use and the amount of coverage. Unlike home insurance, where you live in the state does not change the price.
Why use an independent agent
A captive agent can only sell one company's policies. An independent agent compares several. Each company looks at age and health a little differently, so the best price for you may come from a company you have never heard of.
How it works
Answer three quick questions online or on a short call. I compare the companies I work with and bring back the best two or three options with the price for each. You pick one, and I handle the paperwork. Most of it is done by phone or video, anywhere in Florida.
Outside Florida
I am licensed in 28 states, so if your family lives elsewhere, there is a good chance I can still help.
Common questions
How much is life insurance in Florida?
It depends on your age, health and how much coverage you want. Many healthy people in their 30s and 40s pay under a dollar a day for term coverage. A free quote gives you your number.
Do I need a medical exam?
Usually not. Most of the plans I offer are approved on a few health questions.
Do you meet in person?
Most appointments are by phone or video, which is faster for everyone. In person is possible around Fort Myers, Cape Coral and Naples.
Does it cost anything to work with you?
No. The insurance company pays me. There is no obligation to buy.
Want to know what this would cost you?
Three questions. Two minutes. No obligation.
Get my free quoteOr call (239) 297-6364