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Best Life Insurance Agents in Miami, FL

Term, whole life, indexed universal life and business continuation coverage — including the estate and cross-border planning cases that come with Miami's international ownership base.

83 insurance agencies listed · Updated August 2026

Licensed 20+ yrsHomeowners InsuranceMiami Beach

Miami Beach brokerage spanning personal lines, Florida Blue health and Medicare plans, and life products through Banner and Integon-affiliated auto markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Self-styled 'Insurance Ladies' of Coral Gables, writing home, wind, auto and commercial coverage with Citizens, Universal, Foremost and Infinity; also licensed for surety. Serving since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

AllStar Direct in Hialeah quotes home, auto and commercial coverage through Nationwide, Progressive and Southern Oak, with life and financial products alongside. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana agency with a supplemental-benefits and life emphasis — United American, MetLife and Delta Dental appointments — alongside personal lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceNorth Miami

North Miami agency writing home, condo and commercial risk with Universal and Great Midwest among its carriers, plus supplemental life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral independent agency covering home, flood, auto, commercial and marine risk, with health and supplemental lines through Florida Blue and Aflac. Its agent in charge also holds a public adjuster license. Serving Miami since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareMiami Beach

Employee-benefits specialist on Miami Beach placing group health, life and disability coverage with Guardian, Aetna, Golden Rule and Principal. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah independent covering home, hurricane, auto and small-business risk, with markets including Progressive, United Automobile and Security National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah State Farm agency handling home and auto — including Southern Oak and Citizens property placements — with life and health coverage; the agent in charge also holds an all-lines adjuster license. Serving since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

State Farm agency in Coral Gables handling auto, home and windstorm coverage along with State Farm life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah's Choice Insurance Group writes home, flood, windstorm, auto and commercial packages — Universal, Responsive Auto and Progressive among its markets — with an all-lines adjuster on staff. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoconut Grove

Coconut Grove agency (a We Insure franchise) writing home, flood, condo, auto and business coverage, with life markets including Banner and Brighthouse. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareNorth Miami

North Miami firm focused on life, health and dental benefits, appointed with Mutual of Omaha affiliates, Prudential, Gerber Life and Florida Combined Life. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Florida Farm Bureau agency in Homestead writing home, flood, auto and life coverage through the Farm Bureau companies and partner carriers. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah agency covering home, flood, wind and auto through Citizens, Universal, Progressive and American National, plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareBrickell

Brickell wealth-management firm whose insurance arm places life and annuity coverage through American General and Principal. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceDoral

Doral consultancy writing personal auto and Florida homeowners — Southern Oak, Heritage and Citizens appointments — alongside life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

E & L Insurance on Calle Ocho writes Miami home, flood, condo and car insurance plus small-business coverage, with life markets including Pacific Life and Banner. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables agency covering home, wind, auto and marine — Southern Oak, Progressive and GEICO Marine appointments — plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceNorth Miami

Eckert Insurance in North Miami writes home, wind and auto coverage with Citizens, Universal, Homeowners Choice and Security National among its markets, plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsAuto InsuranceKendall

Kendall agency with a life-and-supplemental-benefits focus — Aflac, American Heritage and Lincoln National appointments — plus personal auto. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareKendall

Kendall agency focused on health and life coverage, appointed with Pan-American Life, UnitedHealthcare and Neighborhood Health Partnership among others. FL DFS licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareCoconut Grove

Coconut Grove life-and-health practice appointed with Pacific Life, John Hancock, Prudential and Lincoln National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura-based independent writing home, auto and commercial packages — Homeowners Choice, Vault Reciprocal and Western Surety appointments — plus life products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Family-run Kendall consultancy whose book spans home, flood, auto, commercial and marine risk as well as a deep life portfolio with carriers including Pacific Life, Protective and Banner. Licensed in Florida since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareNorth Miami

North Miami agency concentrating on life and health coverage with Banner Life and Pruco appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Aptly named Homestead agency writing Florida property and auto — Citizens, TypTap, Olympus and Progressive appointments — plus life and health lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables State Farm agency writing auto, home and Citizens windstorm placements plus life products through State Farm Life and Jackson National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura firm pairing personal lines with a life-and-annuity practice appointed with New York Life, Lincoln National, Nationwide and Protective. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Homestead agency writing home, wind and auto with Citizens, Universal and Progressive, plus life and health coverage through Banner and All Savers. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareWynwood & Edgewater

Wynwood/Edgewater firm concentrating on life, annuity and health coverage — Pacific Life, Pan-American Life and Lincoln National among its markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

State Farm agency in Little Havana writing auto, home and windstorm coverage plus health and life products; agent in charge holds an all-lines adjuster license. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareBrickell

Brickell firm writing life, health and legal-expense coverage with Washington National, Transamerica, Banner and Penn Mutual appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Homestead agency covering home, wind and auto — Universal and Infinity appointments — with life and health markets including Protective and Golden Rule. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Kendall State Farm agency handling auto, homeowners and hurricane coverage along with life and health lines. FL DFS licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

State Farm agency in Kendall writing auto, home and windstorm coverage — including Citizens placements — plus State Farm life and health products. Serving the area since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

LP Insurance Associates in Hialeah writes home, commercial and auto risk with Southern Oak, Philadelphia Indemnity, Selective and Homeowners Choice appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables State Farm agency writing auto, home and windstorm coverage plus life products through State Farm Life and Jackson National; agent in charge holds an all-lines adjuster license. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

Coral Gables agency covering home, flood, hurricane, condo, auto and business insurance — appointed with Universal, TypTap, Citizens and Slide. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Longstanding State Farm agency in Kendall — agent in charge Manuel Morin has held a Florida general lines license since 2000 — writing auto, home, Citizens windstorm placements, and life and health coverage.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoral Gables

State Farm agency in Coral Gables writing Florida auto and home insurance — including Citizens placements — plus life and health products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura agency focused on Florida property and workers' compensation — Citizens, Universal, Homeowners Choice and the Bridgefield companies — plus health and life lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana agency writing personal and business insurance — home, flood, wind, auto and workers' comp — with Citizens, Universal and American Bankers flood among its markets. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceCoconut Grove

Coconut Grove practice focused on life, health and legal-expense products with North American Company and National Life appointments, alongside personal lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceKendall

Independent Kendall brokerage licensed with Florida DFS since 2006, quoting personal auto through carriers like Progressive and Integon alongside homeowners placements with Universal Property & Casualty. Life and annuity products are also written in-house.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

Hialeah brokerage covering home, flood, auto and commercial lines through Progressive, Universal, Infinity and Security National. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceAventura

Aventura agency writing home, auto and business coverage with a Travelers-centered carrier lineup, plus life and legal-expense products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHealth & MedicareAventura

Aventura agency writing health, Medicare and life coverage with Florida Blue and North American Company appointments. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceLittle Havana

Little Havana State Farm agency covering auto, home and Citizens placements, with life products through State Farm Life, Jackson National and Pacific Life. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceNorth Miami

North Miami agency writing Florida homeowners through Southern Oak, Security First and reciprocal exchanges, alongside life and annuity products. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsAuto InsuranceAventura

Aventura agency operating as Miami Insurance Brokers, with a strong Florida Blue group-health book plus personal and commercial lines. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHomestead

Homestead State Farm agency writing auto and home plus life and health products; the agent in charge also holds an all-lines adjuster license. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 20+ yrsHomeowners InsuranceHialeah

State Farm agency in Hialeah writing auto, home and Citizens windstorm placements plus life products with Pacific Life and State Farm Life, and Humana health plans. Licensed since 2006.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 19+ yrsHealth & MedicareMiami Beach

Miami Beach firm concentrating on life, health and settlement planning for professionals, with Integrity Life, Sun Life and Thrivent among its appointments. Licensed since 2007.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 19+ yrsHomeowners InsuranceMiami Beach

Miami Beach agency writing homeowners and windstorm coverage alongside a life and annuity practice with Everlake, Pruco and Midland National. Licensed since 2007.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 18+ yrsHomeowners InsuranceLittle Havana

Little Havana agency pairing personal lines with life and supplemental health — Transamerica, Cigna and Colonial appointments. Licensed since 2008.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 18+ yrsHomeowners InsuranceCoconut Grove

Coconut Grove agency with a strong Medicare Advantage practice — Humana, HealthSun and CarePlus appointments — alongside personal lines. Licensed since 2008.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 18+ yrsHomeowners InsuranceHomestead

Homestead agency quoting home and auto through Homeowners Choice, Infinity and Progressive, with life products alongside. Licensed since 2008.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 17+ yrsHealth & MedicareMiami Beach

Miami Beach agency writing life, annuity and health products through American-Amicable, Security Benefit and Fidelity & Guaranty. Licensed since 2009.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 17+ yrsHomeowners InsuranceNorth Miami

North Miami agency with a life, Medicare-supplement and final-expense focus — American-Amicable, Continental Life and Illinois Mutual appointments — plus personal lines. Licensed since 2009.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 17+ yrsHomeowners InsuranceLittle Havana

Little Havana brokerage writing personal lines plus life and health products with Transamerica and Golden Rule appointments. Licensed since 2009.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 16+ yrsHomeowners InsuranceNorth Miami

North Miami firm pairing property and commercial coverage with a financial-services practice — Athene, Aetna, Protective and Transamerica appointments; the agent in charge also holds an all-lines adjuster license. Licensed since 2010.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 16+ yrsHomeowners InsuranceHomestead

Homestead agency specializing in trucking and commercial auto alongside personal lines, appointed with Progressive, Prime Property & Casualty and Oak River. Licensed since 2010.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 16+ yrsHomeowners InsuranceWynwood & Edgewater

Edgewater agency pairing personal lines with a life and health practice appointed with Pan-American Life, Cigna and Ameritas. Licensed since 2010.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 15+ yrsHealth & MedicareBrickell

Brickell brokerage writing life, health and annuity products with New York Life, MassMutual, Aetna and Golden Rule appointments. Licensed since 2011.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 15+ yrsHomeowners InsuranceHomestead

DTRT Insurance Group in Homestead covers home, flood, wind, condo, auto and business risk, with health and life markets including Cigna, Florida Blue and Prudential. Licensed since 2011.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 14+ yrsHomeowners InsuranceMiami Beach

Miami Beach agency covering home, condo, auto, boat and business insurance, appointed with Universal, Homeowners Choice, Security National and MetLife. Licensed since 2012.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 13+ yrsHealth & MedicareCoconut Grove

Coconut Grove benefits practice placing supplemental health and life coverage through Aflac, Trustmark and American Heritage Life. Licensed since 2013.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 13+ yrsHomeowners InsuranceBrickell

Brickell agency writing home, wind and auto coverage through Ocean Harbor and Clear Spring, plus Molina health plans and Primerica life. Licensed since 2013.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 12+ yrsHomeowners InsuranceWynwood & Edgewater

Wynwood-area agency writing health and Medicare plans — Aetna, WellCare and Sunshine Health appointments — plus life products and personal lines. Licensed since 2014.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 12+ yrsHomeowners InsuranceMiami Beach

Independent Miami Beach agency writing home, condo, auto and small-commercial packages through Citizens, Universal, Progressive and Security First. Licensed since 2014.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHomeowners InsuranceCoconut Grove

Coconut Grove agency writing home, flood, wind and auto coverage through People's Trust, Universal, Citizens and Progressive. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHealth & MedicareWynwood & Edgewater

Wynwood-area practice writing life, annuity and health products through Principal, Transamerica, Cigna and Pacific Life. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHomeowners InsuranceWynwood & Edgewater

Home Port Insurance, a Liberty Company partner in Edgewater, writes home, flood, auto and marine coverage with Florida Peninsula, Edison and People's Trust among its carriers. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 11+ yrsHealth & MedicareWynwood & Edgewater

Edgewater agency focused on UnitedHealthcare health plans; its agent in charge also holds an all-lines adjuster license. Licensed since 2015.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 10+ yrsAuto InsuranceCoconut Grove

Coconut Grove agency quoting personal auto alongside life and health products with American General, Banner and Hartford appointments. Licensed since 2016.

Compiled from public business listings. Not yet confirmed by the owner.

Licensed 7+ yrsHomeowners InsuranceWynwood & Edgewater

Noble Insurance in Edgewater covers home, auto, commercial and life coverage for Miami clients, with Voya, Symetra and Aflac among its appointments. Licensed since 2019.

Compiled from public business listings. Not yet confirmed by the owner.

What to check before you buy life insurance in Miami

  • Term insurance solves most needs at a fraction of the cost. Be clear on what problem a permanent policy is being sold to solve.
  • Illustrations on indexed and universal products are projections, not promises. Ask to see the guaranteed column, not just the illustrated one.
  • Buy-sell funding and key person coverage are business expenses with real tax treatment. Involve your CPA before structuring it.
  • Non-US citizens and foreign nationals can often obtain US coverage, but underwriting and documentation differ. Ask if the agency has done it before.
  • Commission structures differ enormously between term and permanent products. It is fair to ask how the agent is paid.

Other coverage types