Best Life Insurance Companies in Florida (2026)

North American offers strong whole and universal life insurance options in Florida. Its permanent policies are designed with long-term value in mind, combining thoughtful policy structures with consistent cash value growth potential. Universal life policies allow flexibility with premium payments and death benefit changes, while whole life policies focus on predictable cash value growth backed by guarantees.

The company holds A+ ratings from both AM Best and BBB, reflecting its ability to meet long-term obligations tied to permanent life coverage. With coverage options that exceed $10 million, North American suits Florida households seeking higher limits for estate planning and long-term financial planning.

• 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 the best indexed universal life insurance options in Florida. The company streamlines applications and shortens the time between submission and approval, allowing Florida residents to complete the process online and receive decisions quickly.

Its indexed universal life policies tie cash value growth to market indexes while including built-in protections that limit downside exposure. This structure appeals to policyholders who want growth potential beyond whole life insurance without taking on direct market participation.

Ethos also includes riders at no added cost that many insurers treat as optional upgrades. These include accelerated death benefits for terminal illness and access to financial planning tools, which add practical value for long-term policyholders.

• 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 over time. Legal & General meets these needs by offering a wide range of term options, including 10, 15, 20, 25, and 30 years. This flexibility helps policyholders match coverage to income replacement needs, family responsibilities, or longer financial plans.

The company also offers term policies with coverage amounts reaching up to $10 million. These higher limits appeal to high-income earners, business owners, and individuals who want larger policies tied to estate planning or financial obligations.

Legal & General allows policyholders to convert term coverage to a permanent policy up to age 70. This extended conversion window gives buyers more time to adjust coverage as health, income, or priorities change, without pressure to make early decisions.

• 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 applicants without medical exams or health questions, and pre-existing conditions do not affect eligibility. This approach allows Florida residents to obtain coverage without delays tied to underwriting.

Policies provide coverage amounts up to $25,000, which suits final expenses such as funeral costs, medical bills, or remaining personal debts. Mutual of Omaha holds an A+ financial strength rating from A.M. Best and reports a low NAIC complaint index of 0.51, reflecting consistent claims handling.

This option works well for Florida seniors and individuals who want guaranteed approval and a simple application process without added complexity.

• 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, allowing applicants to obtain meaningful coverage without traditional medical exams. Florida residents between ages 18 and 60 can qualify for up to $3 million in term coverage through an accelerated process that relies on digital health data rather than in-person testing.

This approach supports faster decisions, which helps applicants who want coverage in a shorter time frame. For those who need higher limits, Pacific Life also provides term policies up to $10 million through full medical underwriting.

The company rounds out its offerings with a broad range of riders, including child term riders and accelerated death benefit options for terminal illness. These features give policyholders more control to shape coverage around personal and family needs.

• 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