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Life Insurance isn’t about You. It’s About the People You’d Leave Behind

Your family depends on your income. Life insurance makes sure the mortgage gets paid, the kids stay in school, and your loved ones aren’t left with debt.

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No-Exam Options Available
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(305) 635-2800 | (754) 200-4886

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What Happens Next?

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We compare rates from 10+ carriers

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An agent calls you with 2–3 options

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You pick the best one — we handle the rest

Can’t wait? Call us now:

📞 Miami-Dade: (305) 635-2800 📞 Broward: (754) 200-4886
4.8★

Google Rating

20+ Years

Combined Insurance Experience

Thousands

Life Policies Written

60 min

Avg. Quote Response Time

Do I Need Life Insurance?

Life Insurance Isn’t About You — It’s About the People You’d Leave Behind

Nobody likes thinking about life insurance. But if someone depends on your income, a spouse, kids, a business partner, it’s not optional.It’s how you make sure they’re okay if something happens to you.

The good news: life insurance is more affordable than most people think. A healthy 35-year-old can get $500K in coverage for less than $30/month. The earlier you lock in a rate, the less you pay. Get in touch with our team, so we can get your the best rates so your family’s future is protected.

You Have a Mortgage

Life insurance pays off the balance so your family keeps their home.

You Have Children

Covers childcare, education, and daily expenses until they’re independent.

Your Spouse Depends on You

Replaces lost income so they maintain their standard of living.

You Own a Business

Key person coverage and buy-sell agreements protect your business partners.

You Have Debts

Prevents your family from inheriting student loans, car payments, or credit card debt.

Types of Coverage

Life Insurance Options in Florida

We’ll help you understand which type fits your situation and budget.
No pressure, no jargon — just clear guidance.

MOST COMMON

Term Life Insurance

Coverage for a specific period — 10, 20, or 30 years. The most affordable option and perfect for protecting your family during your highest-earning years.

  • Lowest premiums available
  • Coverage from $100K to $1M+
  • Level premiums (price doesn’t change)
  • Convertible to whole life

Starting at $25/month

Whole Life Insurance

Permanent coverage that lasts your entire lifetime. Builds cash value you can borrow against — an asset that grows tax-deferred over time.

  • Lifetime coverage — never expires
  • Cash value accumulation
  • Fixed premiums for life
  • Estate planning benefits

Starting at $150/month

Universal Life Insurance

Flexible permanent coverage that lets you adjust your premiums and death benefit as your life changes. A balance between term and whole life.

  • Flexible premiums
  • Adjustable death benefit
  • Cash value growth
  • Multiple subtypes (indexed, variable)

Starting at $100/month

Final Expense & Burial Insurance

Final Expense Insurance in Florida. Don’t Leave Your Family with the Bill

Final expense insurance — also called burial insurance or funeral insurance — is a small whole life policy designed to cover your end-of-life costs. In Florida, the average funeral costs nearly $8,000 for burial and almost $7,000 for cremation. Without coverage, that bill falls on your family during the worst moment of their lives.

$7,848

Average Florida
Burial Cost

$6,971

Average Florida
Cremation Cost

No Exam

Most Policies Require
No Medical Exam

What Final Expense Insurance Covers

Funeral & Burial Costs 
Casket, cemetery plot, headstone, funeral home services, flowers, and ceremony.

Meet legal requirements — Workers comp, commercial auto, and sometimes GL are required in Florida

Win contracts — Many clients and landlords require proof of insurance before working with you

Peace of mind — Focus on growing your business, not worrying about what could go wrong

Final Expense Coverage from $30/month

Coverage from $5,000 to $25,000. No medical exam required for most applicants. Approval in as little as 24 hours.

Call Us Now for a Quote

Hablamos Español • Free consultation • No obligation

Coverage Calculator

How Much Life Insurance Do I Need?

Most financial experts recommend 10-15 times your annual income. Here’s a simple way to estimate your coverage needs.

The right amount of life insurance depends on your family’s financial situation. The goal is simple: replace your income and cover major expenses so your family’s life doesn’t change financially if you’re not there. Use this calculator for reference

A Florida family earning $75,000 per year should consider $750,000 to $1,125,000 in life insurance. That sounds like a lot, but a 20-year term policy for that amount can cost as little as $35-$60 per month for a healthy 30-year-old.

Quick Coverage Estimate

Annual Income × 10

$750,000

+ Mortgage Balance

$350,000

+ Kids’ College Fund

$100,000

+ Outstanding Debts

$25,000

− Existing Savings/Insurance

-$75,000

Recommended Coverage

$1,150,000

YOUR AGE

$250K TERM

500K TERM

$1M TERM

25-29

$13/mo

$20/mo

$30/mo

30-34

$14/mo

$22/mo

$35/mo

35-39

$16/mo

$27/mo

$45/mo

40-44

$22/mo

$38/mo

$65/mo

45-49

$32/mo

$55/mo

$95/mo

50-54

$48/mo

$85/mo

$155/mo

55-59

$72/mo

$130/mo

$245/mo

60-64

$110/mo

$200/mo

$380/mo

*Estimated rates for healthy non-smokers. 20-year term. Actual rates vary by carrier and health profile.

Life Insurance Costs

How Much Does Life Insurance Cost in Florida?

Rates depend on the type of coverage, your age, and health. Here’s what to expect.

Term Life

$25-$60

per month (age 30, healthy)

$500,000 coverage • 20-year term

Whole Life

$200-$400

per month (age 30, healthy)

$500,000 coverage • Lifetime

Final Expense

$30-$70

per month (age 50-75)

$10,000-$25,000 • No medical exam

What Final Expense Insurance Covers

  • Age
    Younger = cheaper. Every year you wait, rates increase. Lock in your rate now.
  • Tobacco Use
    Smokers pay 2-3x more. Some carriers have quit-for-12-months rates.
  • Policy Type
    Term is cheapest. Whole life is 5-15x more but builds cash value.
  • Health & Medical History
    Blood pressure, cholesterol, BMI, and family health history all factor in.
  • Coverage Amount
    More coverage = higher premium, but the cost-per-dollar decreases at higher amounts.
  • Occupation & Lifestyle
    High-risk jobs or hobbies (skydiving, scuba) may increase rates.

Why Peoples Insurance

Why Florida Families Trust Us with Their Life Insurance

We Compare So You Don’t Have To

We represent 20+ life insurance carriers. Instead of spending hours getting quotes from different companies, we do the shopping for you and present the best options side-by-side.

Bilingual Agents Who Explain Everything

Life insurance is confusing. We break it down in plain language — in English and Spanish. No jargon, no pressure. Just clear explanations so you understand exactly what you’re buying.

We Actually Answer the Phone

Call us and a real person picks up. Email us and you get a response within 60 minutes. No phone trees, no chatbots, no runaround. Your questions get answered by the same agent, every time.

Coverage You Need, Not Coverage We Want to Sell

We’re not on commission from one carrier. Our job is to find the right policy for your family’s needs and budget. If term life is the right answer, we’ll tell you — even if whole life pays us more.

How It Works

Getting Life Insurance in Florida Is Easier Than You Think

Most clients have coverage in place within a week.
Final expense can be approved in 24 hours.

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Call or Submit a Form

Tell us about your family, budget, and goals. We’ll ask a few health questions to narrow down the right options.

We Compare Carriers

We shop 20+ carriers and come back to you with 2-3 options that fit your needs and budget. No obligation.

Apply & Get Approved

We handle the paperwork. Some policies require a quick medical exam. Final expense and no-exam policies can be approved in 24 hours.

You’re Protected

Your family is covered. We stay in touch to make sure your coverage keeps up with life changes — new baby, new home, retirement.

What Our Clients Say

Florida Families Trust Peoples Insurance

  • José helped my parents get final expense insurance when other companies turned them away because of their age. He found a policy with no medical exam and they were approved the next day. My parents feel so much better knowing we won’t have to worry about funeral costs.
    Maria R.
    Hialeah, FL
  • I’d been putting off life insurance for years because I didn’t understand it. The team at Peoples Insurance explained everything in Spanish, compared three different options, and helped me choose a 20-year term policy. My wife now sleeps better at night.
    Carlos R.
    Miami, FL
  • As a small business owner, I needed key person coverage for myself and my business partner. Peoples Insurance found us a competitive rate and handled everything. They even helped us set up the buy-sell agreement structure. Truly above and beyond.
    Jorge L.
    Pembroke Pines, FL

Frequently Asked QuestiONS

Life Insurance Questions — Answered

Most financial experts recommend 10-15 times your annual income. A Florida family earning $75,000 per year should consider $750,000 to $1,125,000 in coverage. Factors include your mortgage balance, number of dependents, outstanding debts, and future expenses like college tuition. Our agents will help you calculate the right amount based on your specific situation.

Florida does not legally require life insurance, but it’s strongly recommended if anyone depends on your income. If you have a mortgage, children, a spouse, or aging parents who rely on your financial support, life insurance ensures they’re protected. It’s also critical for business owners to cover key employees or fund buy-sell agreements.

Term life insurance in Florida averages $25-$50 per month for a healthy 30-year-old seeking $500,000 in coverage. Whole life costs significantly more at $200-$400+ per month for the same amount. Final expense insurance typically costs $30-$70 per month for $10,000-$25,000 in coverage. Rates vary based on age, health, tobacco use, and coverage amount.

Final expense insurance is a type of whole life insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. Coverage typically ranges from $5,000 to $25,000. In Florida, the average funeral costs $7,848 for burial and $6,971 for cremation. Final expense policies usually have simplified underwriting, meaning no medical exam is required.

Term life insurance covers you for a specific period (10, 20, or 30 years) and is the most affordable option. Whole life insurance covers you for your entire lifetime and builds cash value you can borrow against. Term is best for temporary needs like mortgages and raising children. Whole life is better for permanent needs like estate planning and leaving an inheritance.

Yes. Several types of no-exam life insurance are available in Florida. Simplified issue policies require only a health questionnaire. Guaranteed issue policies accept everyone regardless of health but have higher premiums and a typical 2-year waiting period before full benefits apply. Final expense insurance also commonly offers no-exam options.

Burial insurance and final expense insurance are essentially the same product — a small whole life policy designed to cover end-of-life costs. The terms are used interchangeably. Both provide $5,000-$25,000 in coverage, require no medical exam in most cases, and pay out to your beneficiary who can use the funds for funeral costs, outstanding bills, or any other purpose.

In Florida, you can name anyone as your life insurance beneficiary — a spouse, child, parent, friend, trust, or charity. Florida does not require spousal consent to name a beneficiary. You should name both a primary and contingent (backup) beneficiary. Review and update your beneficiaries after major life events like marriage, divorce, or the birth of a child.

Our Partners

Insurance Carriers We Work With

We’ve partnered with top-rated insurance carriers who specialize in commercial coverage.
This gives us the flexibility to find the right fit for your business.

Mutual of Omaha
Nationwide
Equitable Holdings
Protective Life
Pacific Life
Penn Mutual
Banner Life
Sammons Financial
Mass Mutual
Transamerica
Securian Financial
Ethos Life

Your Family Is Counting on You

Don’t wait for “the right time.” The best time to get life insurance is now, while you’re healthy and rates are lowest. A 10-minute conversation can protect your family for decades.

Call Us For More Information Send Us a Message Now

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