Life insurance in Florida
Life insurance helps protect the people who depend on you, from your mortgage to your children's education. We compare term and permanent life insurance from several insurance companies and help you choose an amount that fits.
What it can cover
- Term life: coverage for a set number of years, often the most affordable way to get a large amount of coverage
- Permanent life, such as whole life and universal life, which lasts your lifetime and can build cash value
- Coverage amounts based on your income, debts and goals
Good to know in Florida
- We'll help you estimate how much coverage your family would need.
- Price depends largely on your age and health, so coverage usually costs less the sooner you buy.
- Some policies require a medical exam and others don't. We'll explain what to expect.
- Your beneficiaries receive the death benefit directly, which can help them cover bills quickly.
How Citadel Insurance Group helps
Tell us what you need
Call, chat or send a quote request. We'll ask a few questions about you and what you want to protect.
We compare insurance companies
As an independent agency, we compare coverage from several insurance companies and explain the differences in plain language.
We stay with you
After you buy, we help with policy changes, renewals and claims questions.
Questions and answers
How much life insurance do I need?
A common starting point is enough to pay off debts, replace several years of income and fund goals like college. We'll walk through your numbers with you.
Term or permanent: which is better?
Term covers a set period at a lower price, which suits many families with young children or a mortgage. Permanent coverage lasts for life and can build cash value, at a higher price. We'll compare both for your situation.
Do I need a medical exam?
It depends on the policy, the amount and your age. Some policies are issued based on health questions alone.
Ready to compare?
A licensed agent will contact you, ask a few questions and compare options with you, in English or Spanish.
Other insurance we offer
- Auto insurance
- Home insurance
- Condo and renters insurance
- Flood insurance
- Boat insurance
- Business insurance
- Workers' compensation
- Health insurance
- Medicare plans
Descriptions on this page are general information, not a policy or a promise of coverage. Every policy is subject to the insurance company's underwriting, terms, conditions and exclusions. Not every product or company is available to every applicant.