Best Life Insurance Companies in Florida (2026)

North American offers solid whole and universal life insurance options in Florida. Its permanent policies combine thoughtful structures with steady cash value growth potential for long-term planning. Universal life policies let you adjust premium payments and death benefit amounts as your needs change, while whole life policies provide predictable cash value growth with guaranteed returns.

The company earns A+ ratings from both AM Best and BBB, showing it can meet the long-term obligations that come with permanent life coverage. North American offers coverage amounts above $10 million, making it a good fit for Florida households focused on estate planning and generational wealth building.

• J.D. Power Rating: N/A
• A.M. Best Rating: A+
• BBB Rating: A+
• Average NAIC Complaint Index: N/A

• Policy Types: Whole, Universal, Indexed Universal, Term
• Max coverage: $10 million+
• Medical exam required: Yes
• Terms available: 10 to 30 years
• Ages supported: 18 to 60
• Riders and options: N/A

Ethos uses a digital platform to offer great indexed universal life insurance options in Florida. The company speeds up applications and cuts wait times, letting Florida residents complete the process online and get decisions fast.

Its indexed universal life policies link cash value growth to market indexes while protecting you from losses when markets drop. This setup works well for policyholders who want better growth than whole life insurance offers but don't want direct stock market exposure.

Ethos includes riders at no extra cost that other insurers charge for. You get accelerated death benefits if diagnosed with a terminal illness, plus access to financial planning tools that help with long-term money decisions.

• J.D. Power Rating: N/A
• A.M. Best Rating: A+ (partner carriers)
• BBB Rating: A+
• Average NAIC Complaint Index: N/A

• Policy Types: Term, Indexed Universal, No-Exam
• Max coverage: $3 million without medical exam (Term), $20,000 (Guaranteed Whole)
• Medical exam required: No
• Terms available: 10 to 40 years (Term)
• Ages supported: 18 to 69 (Term), 55 to 85 (Guaranteed Whole)
• Waiting Period (Guaranteed Whole): If death occurs from non-accidental causes within the first two years, beneficiaries receive 100% of premiums paid plus 30%.
• Riders and options: Accelerated death benefit, free will and estate planning tools

Term life insurance buyers in Florida often focus on policy length and the ability to adjust coverage later. Legal & General offers term options across 10, 15, 20, 25, and 30 years, which helps policyholders match coverage to income replacement needs, family responsibilities, or longer financial timelines.

Coverage limits reach up to $10 million, making these term policies suitable for high earners, business owners, and households planning around larger financial obligations or estate needs.

An extended conversion option allows term coverage to shift into a permanent policy through age 70. This longer window provides flexibility to revisit coverage decisions as health, income or long-term priorities change, without pressure to commit early.

• J.D. Power Rating: N/A
• A.M. Best Rating: A
• BBB Rating: N/A
• Average NAIC Complaint Index: 0.35

• Policy Types: Term, Universal, Indexed Universal
• Max coverage: $10 million
• Medical exam required: Yes
• Terms available: 10 to 40 years
• Ages supported: 20 to 75
• Riders and options: Accelerated death benefit rider, child rider, stacking rider, guaranteed insurability rider, conversion options to age 70

Mutual of Omaha offers guaranteed acceptance life insurance in Florida for applicants ages 45 to 85. The company approves everyone without medical exams or health questions, and pre-existing conditions don't matter. This gets Florida residents covered fast without waiting on underwriting.

Policies cover up to $25,000, which handles final expenses like funeral costs, medical bills, or outstanding personal debts. Mutual of Omaha holds an A+ financial strength rating from AM Best and reports a low NAIC complaint index of 0.51, showing it handles claims well.

This option fits Florida seniors and anyone who wants guaranteed approval through a simple application.

• J.D. Power Rating: 659 (sixth place)
• A.M. Best Rating: A+
• BBB Rating: A+
• Average NAIC Complaint Index: 0.51

• Policy Types: Term, Whole, Universal, Indexed Universal Life, Guaranteed Acceptance Whole Life
• Max coverage: $10 million+ with medical exam or $300,000 without exam
• Medical exam required: No
• Terms available: 10 to 30 years
• Ages supported: 18 to 80
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit

Pacific Life offers high-limit no-exam life insurance in Florida, giving applicants access to meaningful coverage without traditional medical exams. Florida residents ages 18 to 60 may qualify for up to $3 million in term coverage through an accelerated process that relies on digital health data rather than in-person testing.

Faster underwriting helps applicants who need decisions quickly, while higher coverage needs are met through fully underwritten term policies with limits reaching $10 million.

A broad rider lineup, including child term riders and accelerated death benefit options for terminal illness, allows policyholders to tailor coverage around family needs and long-term planning goals.

• J.D. Power Rating: 657 (seventh place)
• A.M. Best Rating: A
• BBB Rating: N/A
• Average NAIC Complaint Index: 0.08

• Policy Types: Term, Universal, Indexed Universal, No-Exam
• Max coverage: $10 million+ or $3 million without medical exam
• Medical exam required: No
• Terms available: 10 to 30 years
• Ages supported: 18 to 75
• Riders and options: Accelerated death benefit, child term rider, waiver of premium, accidental death benefit, guaranteed insurability, conversion options