Best Life Insurance in Jacksonville, FL

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Life Insurance Jacksonville FL

Which is the best Life insurance provider in Florida?

That’s a great question!! That’s going to depend on your age, health, lifestyle, family history and build which is height and weight. You see all life insurance carriers look at you differently.

For instance, they have different guidelines, different build charts, different health impairment niches, and different rates. That is why it is absolutely imperative to isolate the accurate rating class when determining the best price and best carrier. 

Furthermore, when I am talking to my clients I always like to provide the best options and let time decide!! After all, no one knows what they need more than them.

I have learned a long time ago, just give clients what they want, but also give them guidance on what they need. 


Award-Winning Independent Life Insurance Agent in Jacksonville FL

I will be talking about everything life insurance in this article so you, the consumer can make an educated decision what is best for you and your family. But first a little about me.

I was born in Long Island, NY in 1973. I grew up in Rocky Point, NY on the north shore of Long Island. After high school, I became a stockbroker at age 20. After 12 years in the investment side of the business, I became a business owner. 

I moved to Florida in 2005. From 2005 to 2010 I owned and operated 4 very successful businesses.

In 2012, I decided to get back into the investment/life insurance business and since then I have helped over 5000 consumers purchase life insurance. I have won countless awards for customer service, production, and efficiency. 

In June of 2017, I started PinnacleQuote Life Insurance Specialists for the sole purpose of making sure the consumer gets the best-priced policy available. 

We specialize in all things life insurance but we primarily focus on:

***Many, many more………


Cheap Life Insurance in Jacksonville FL

When you talk about the most affordable life insurance than term life insurance will have the most cost-effective premium payment. We shop you to over 3 dozen A+ rated carriers to make sure you get the best price, best carrier GUARANTEED!


Jacksonville Beach Term Life Insurance

Depending on what your age is will determine what term you will be presented. My philosophy about term life insurance is to try to get your last child out of the house and slide into retirement when.

We are one of the superior term life insurance Florida agents and are nationally known coast to coast! 

We offer:

  • ART (Annual Renewable Term)
  • 1yr Term
  • 5yr Term
  • 10yr Term
  • 15yr Term
  • 20yr Term
  • 25yr Term
  • 30yr Term
  • 35yr Term
  • 40yr Term

Top Life Insurance Companies in Jacksonville FL

When looking for the best life insurance companies in Jacksonville FL you want to look at financial stability. We use A.M. Best when rating the validity of the carrier we bring to our clients.

Furthermore, we understand that family and future needs to be protected by the most financially stable company. We only work with A/A+ rated carriers.

We know that the combination of financial strength and a successful history will keep the cost of insurance low. 

Here are our top ten life insurance carriers for Jacksonville FL. 

  • Protective Life (Term/GUL)
  • AIG (Term/GUL/IUL)
  • American National (Living Benefits)
  • Prudential (Term)
  • Mutual of Omaha (Term/Final Expense)
  • Assurity (Term/Disability)
  • Royal Neighbors (Burial/Final Expense)
  • Liberty Bankers Life (Burial/Final Expense)
  • Foresters (Term/Whole Life/Final Expense)
  • North American (Term/GUL)

As you can imagine, getting with the right agent is almost as important as getting with the right carrier at the right price. After all, you want to make sure your agent is independent, knowledgeable and provides you with the best options, not limited ones.

Here at PinnacleQuote, we are national independent agents licensed in 49 states. We have clients in 49 states, that gives us the experience and the know-how far beyond our competitors.  

Here are some of our competitors in Jacksonville FL:

  • New York Life Jacksonville FL
  • American Heritage Life Insurance Company Jacksonville FL
  • Liberty National Life Insurance Jacksonville FL
  • Direct Auto & Life Insurance Jacksonville FL
  • American Income Life Jacksonville FL

All these companies above are captive, meaning they offer proprietary products that are usually 30-50% higher than the most competitive rates in the country. 


Universal Life Insurance Jacksonville FL

Universal life insurance is a great product when used right. This is primarily good for someone that is young perhaps in their 30’s or 40’s, that what to pay more to invest part of the premiums.

This type of policy is great for anyone in a high-interest rate environment. However, now in 2019 its a young man’s game!! 

Unfortunately, these policies are also high commission products for agents and also a big moneymaker for the insurance carriers. So most agents will push this on the elderly client in their 60’s on a fixed income.

This is not good for the consumer as the cost of insurance is going up with age and if the investment part of the policy is below par then the carrier has to make up for it.

Usually, it is with YOUR cash value and ultimately a loan against the face amount. 

Universal Life Insurance Facts

I see all too often a senior calling me at age 75 or older saying their rates just went up 300% and can’t afford them. This is a prime example of the agent putting their own interest above the clients.

Unfortunately, these are the agents that give me the black eye. 

The right product for seniors are either final expense insurance or a GUL (Guaranteed Universal Life), it’s very important to know the difference of non guaranteed and Guaranteed universal life.

Please ask your agent to explain the difference. Or click the link in the above line as I break it down for you. 


Burial Insurance Jacksonville FL

When you think of burial insurance you are thinking it pays for just your funeral or burial. Some consumers think it gets paid only to burial costs. This is not true!!

Burial insurance is just a small whole life insurance policy that is simplified issued. It is also called final expense life insurance.

These types of policies will assist in final expense costs and pay a guaranteed death benefit. When a death occurs, file a claim with the death certificate and the death benefit will be paid fast as long as there is no reason to contest the policy. (Ex. Suicide/DUI). 

Some of the best final expense Jacksonville FL are the carriers that we represent. These will cover funeral expenses and any loose ends that are needed. 

Benefits Of Final Expense Life Insurance:

  • Usually $1,000-$40,000 of coverage
  • Entire Life Up To Age 121
  • Cash Value accumulation

Business Life Insurance Jacksonville FL

Owning your own business comes with wearing a lot of hats. The amount of time and focus that goes into making a company successful is relentless.

I know, I have been doing it all my life. When you have a passion for success you will squeeze 30 hours in a day! 

Above all, you need to protect what you built and you can do that with insurance. Depending on what kind of insurance there will be terms and conditions. 

Here are the three types of life insurance when running a business. 

  • Key Man Life insurance
  • Buy/Sell Agreement
  • Deferred Compensation

Keyman Life Insurance Jacksonville FL

Key Man or Key Person life insurance is a type of insurance that protects the company from a key employee in the event of an untimely death.

This employee may be a big part of bringing the revenue to the bottom line. Or may a manager that runs the everyday operations with flawless precision. 

Whatever the case, a key man employee is vital to the companies success. Therefore they are hard to replace and may cause the company to lose money until they find a replacement. 


Buy-Sell Agreement Jacksonville FL

Buy-Sell agreements are a type of life insurance you purchase when you have a company with multiple partners.

Now, these partners have a family. If one of the partners dies, the life insurance buys out the dead partners share by paying the family of the deceased for the percentage ownership.

So the family sells the interest to the remaining partners via the death benefit from the life insurance. 


Deferred Compensation Jacksonville FL

A deferred compensation plan is a plan that offers all or a few employees an incentive to stay with a company because they have a nest egg when they retire.

This is sometimes called “golden Handcuffs“. Normally, this is used with an index universal life insurance policy where the owner of the company will defer payment (Compensation) which will be a write off for the business.

If the employee leaves before his terms and conditions within the compensation plan then the company can keep the money. 

The employee, if stays for the full length of employment then would have a compensation where they can draw from at retirement. When done right it could provide the employee with an income after retirement.  


PinnacleQuote’s Simple Process

We are not in the business of selling. We are actually against that. We like to educate our clients and provide them with the best options. We based those options on the specific profile of the client. So we tailor make you a life insurance policy


PinncaleQuote Life Insurance Specialists

Toll-Free: 855-380-3300

Email: Info@Pinnaclequote.com

Address: 5011 Gate Pkwy Building 100 Suite 100. Jacksonville, FL 32256