Life Insurance Companies in Florida
All ten insurers in our directory issue policies to Florida residents under their usual company names. Florida’s insurance consumer help is run by the Department of Financial Services, which takes questions and complaints at 1-877-MY-FL-CFO.
Florida gives new life policyholders a free-look period of at least 14 days, longer than the 10-day minimum found in many states. Policies also have a 30-day grace period for overdue premiums. Florida’s guaranty association, FLAHIGA, is a private nonprofit funded by member insurers. Every licensed life and health insurer in the state must join it.
Guaranty association limits apply only if an insurer becomes insolvent. They are set by state law and can change; check the association's website for current figures.Life insurance companies serving Florida
Insurer Company issuing policies in Florida Customer service Claims Guardian Life The Guardian Life Insurance Company of America 1-888-482-7342 1-866-452-4542 John Hancock John Hancock Life Insurance Company (U.S.A.) 1-800-732-5543 1-888-887-2739 Lincoln Financial The Lincoln National Life Insurance Company 1-800-487-1485 1-800-487-1485 MassMutual Massachusetts Mutual Life Insurance Company 1-800-272-2216 1-800-272-2216 New York Life New York Life Insurance Company 1-800-225-5695 1-800-225-5695 Northwestern Mutual The Northwestern Mutual Life Insurance Company 1-866-950-4644 1-800-635-8855 Pacific Life Pacific Life Insurance Company 1-800-347-7787 via customer service Prudential Financial Pruco Life Insurance Company 1-800-778-2255 via customer service State Farm State Farm Life Insurance Company 1-800-782-8332 1-877-292-0398 Transamerica Transamerica Life Insurance Company 1-800-851-9777 via customer service
Florida regulator and consumer protection
Insurance regulator Florida Department of Financial Services, Division of Consumer Services Consumer hotline 1-877-693-5236 File a complaint Complaint page Find a lost policy NAIC Life Insurance Policy Locator Guaranty association Florida Life & Health Insurance Guaranty Association (FLAHIGA) Death benefit protection $300,000 Cash value protection $100,000 Annuity protection $250,000 (deferred annuity cash surrender value) Free-look period (life) At least 14 days
