Do I need a medical exam?

Not always. Simplified-issue policies exist that don't require a medical exam, though they usually offer lower coverage amounts.

What's the difference between term and whole life?

Term life covers a fixed period (like 20 years) at a lower cost; whole life lasts your entire life and builds cash value, at a higher cost.

Can I change my beneficiary later?

Yes, you can update your beneficiary at any time at no extra cost.

Life insurance

Life Insurance in Florida: protect your family's future

Life Insurance is a policy that pays a financial benefit to your loved ones if you pass away, helping cover costs like rent, debt or education. Tampa Seguros offers term and whole life options for Florida residents, with coverage amounts fitted to your budget and, in many cases, no extensive medical exam required.

If something happened to you tomorrow, could your family cover rent, debt or your kids' education without your income?
Without life insurance, your family could be forced to sell assets, move, or take on debt to cover basic expenses at the worst possible time.
With a Tampa Seguros life policy, you set a protection amount that fits your budget, and your family receives that benefit tax-free exactly when they need it most.

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Life insurance options available

Term life (10, 20 or 30 years)
Whole life with cash value
Accidental death benefit
No medical exam options
Living benefit for terminal illness

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Tell us what you need and a Florida-licensed advisor will reach out the same day, no obligation.

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We work with Florida's leading carriers

We compare across several companies to find your best option, without favoring a single brand.

Local guidance in your community

We help clients across Florida, with a strong presence in the Tampa Bay area: Tampa, Riverview, Brandon, Wimauma, Ruskin, Lakeland and Plant City.

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Other insurance you may need

Health Insurance (ACA)

Health coverage with possible government subsidies, from $5/month.

See details

Funeral Plan

Spare your family unexpected funeral expenses.

See details

Home Insurance

Protect your house or rental from hurricanes, theft and accidents.

See details

Frequently asked questions about life insurance

A common rule is 10 to 15 times your annual income, but it depends on your debts, dependents and family goals. An advisor can calculate this with you.