FHI: Florida’s Life Insurance Broker

FHI: Florida’s Life Insurance Broker

When it comes to purchasing life insurance, there are various options to consider, such as buying a policy directly from a life insurance company, working with a captive agent, or seeking the assistance of a life insurance broker.

Regardless of your choice, it is essential to evaluate your life insurance needs and find a policy that suits your financial situation and provides the coverage options you require.

Life Insurance Broker

A life insurance broker is a licensed professional who works with multiple life insurance companies to help consumers find the best policies that meet their insurance needs. Life insurance brokers do not work for a specific life insurance company and provide unbiased advice and policy options.

By working with a broker, you have access to a wide range of life insurance policies, and they can help you compare policies from different insurers to find the best price.

In contrast, a captive agent works for a single life insurance entity and only has access to policies offered by that company. While captive agents have in-depth knowledge of the policies offered by their company, they may not be able to provide you with a wide range of coverage options.

In some cases, they may even try to sell you a policy that is not the best fit for your life insurance needs. Avoid capitve agents if possible. Don’t be a sucker…

How to Choose a Life Insurance Broker in Florida

Choosing a life insurance broker is an important decision, as they will be responsible for helping you find the best life insurance services to meet your unique needs and goals.

With so many options available in Florida, it can be overwhelming to know where to start. Here are some factors to consider when selecting a broker, questions to ask a potential broker, and online resources to help you find a broker in Florida.

Factors to Consider When Selecting a Broker

  • Experience: Look for a broker with a proven track record of success in the life insurance industry. They should have a deep understanding of the best life insurance company options, life insurance products, as well as disability insurance and death benefit policies.
  • Reputation: Research the broker’s reputation by reading reviews and testimonials from previous clients. Check their credentials and ensure they are licensed and registered with the Florida Department of Financial Services.
  • Specialization: Consider a broker that specializes in your specific needs, such as retirement income or estate planning. Some financial professionals may only sell life insurance products from a limited number of companies, while others may have access to a wider range of options.
  • Communication: Ensure that the broker is easy to communicate with and responds in a timely manner. They should be willing to answer any questions you have about the life insurance services they offer.
  • Availability: Look for a broker that is available when you need them. Some brokers may only be available during business hours, while others may be available 24/7.

Questions to Ask a Potential Broker

  1. What types of life insurance products do you offer?
  2. Which is the best life insurance company for my needs?
  3. What is your experience in the life insurance industry?
  4. Can you provide references from previous clients?
  5. What is your commission structure?
  6. Do you offer retirement income planning services?
  7. How do you handle claims and disputes?
  8. What is your process for reviewing and updating my policy?

Online Resources for Finding a Broker in Florida

  1. Florida Department of Financial Services: 

The Florida Department of Financial Services provides a directory of licensed insurance agents and brokers in Florida. You can search by name, location, or type of ininsurance.

  1. National Association of Insurance and Financial Advisors (NAIFA):

NAIFA is a professional association for insurance and financial advisors. Their website includes a directory of members in Florida.

  1. Local Chamber of Commerce: 

Check with your local Chamber of Commerce for a list of recommended life insurance brokers in your area.

Choosing the right life insurance broker is an important decision that requires careful consideration. If you take the time to research potential brokers, ask the right questions, and utilize online resources, you can find a broker that will help you meet your financial goals and ensure that you have the best life insurance services to protect you and your loved ones.

Life Insurance Agents

A life insurance agent is a representative of an insurance carrier such a Primerica who sells policies to consumers. Agents typically work for a single insurance carrier and receive commissions based on the policies they sell. They may also receive bonuses for meeting sales goals or for selling specific types of policies.

One of the benefits of working with life insurance agents are that they have in-depth knowledge of the policies offered by their insurer only. They can help you explore the policy options and customize a policy that meets your specific needs. They can also answer any questions you may have about the policy, such as the cost, coverage amount, and how the policy will pay out in the event of your death.

Another advantage of working with a life ins. agent is that they can provide ongoing support throughout the life of your policy. If you have questions or need to make changes to your policy, you can contact your agent for assistance.

Additionally, some of the better life insurance agents offer free services to their customers, such as annual policy reviews to ensure that your coverage continues to meet your needs. This is fantastic and will ensure you will not need to be writing to them yearly.

However, one downside of working with a life insurance agent is that they only represent one insurance organization. If you want to compare policies from different companies, you will need to work with multiple agents, which can be time-consuming and confusing.

Due to this limitation in shopping for plans we recommend a broker.

Looking for Local Assistance

If you are looking for a “life insurance broker near me,” there are several ways to find one. You can start by searching online for insurance brokers in your area or asking for recommendations from friends or family members who have worked with brokers in the past. Just ignore your uncle—you know the one.

You can also contact your state insurance department for a list of licensed brokers in your area. You want the life insurance agency to be independent and to be able to provide you a free service with confidence.

Once you have a list of potential brokers, it is essential to research each one to find the best fit for your needs. Consider their experience, the types of policies they offer, and their reputation in the industry. You may also want to ask for references or read online reviews to learn more about their past clients’ experiences.

When you meet with a life broker, be sure to ask questions about their process and how they will help you find the best policy for your needs. A reputable broker should be able to explain the different types of policies available, the coverage options, and the terms and conditions of each policy.

They should speak in plain English not insurance jargon.

Your insurance agent should also be able to help you navigate the application process and provide ongoing support throughout the life of your policy.

Life insurance brokers can help you feel confident in your decision to purchase life insurance. They can assist you in finding a policy that fits your unique insurance needs and budget. By working with a broker, you can shop around for the best deal and coverage options from different insurance companies.

You can compare the policies offered by different life insurance companies and find the best policy that suits your requirements.


For example, let’s say you are a business owner and are looking for life insurance to protect your loved ones in the event of your untimely death. A life ins. broker can help you find the best policy to meet your specific needs.

They can assess your economic situation and recommend a policy that provides the necessary coverage options for your business and your family.

Life ins. brokers or independent agents work with many different insurance partners, which means that they can offer a wide range of life insurance policies. They can help you find a policy that is best for you, whether it’s a term life insurance policy that provides coverage for a set period or a permanent life insurance policy that provides coverage for the rest of your life.

They can help you search the various coverage options, such as riders and endorsements, to ensure that you have the coverage you need. Best of all thier services for customers will be free.


In conclusion, working with a life insurance broker is an excellent way to shop and find the best policy for your insurance needs.

A broker can help you compare policies from different life insurance carriers, find the best coverage options at the best price, and provide ongoing support throughout the life of your policy.

If you’re in the market for life insurance, consider working with a broker to help you. Florida Healthcare Insurance is your Traditional Life Inssurance Broker and Partner. With over 20 Years Experience we are Florida’s leader for Health and Life Plans.

Contact us today at 954-282-6891 for a quote or click here:

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