IUL agents in Florida
39 verified specialists licensed to write in Florida.
Florida agents are licensed through the Florida Department of Financial Services, with carriers regulated by the Office of Insurance Regulation. Hurricane exposure, a large retiree population, and a steady flow of new residents make Florida one of the most active insurance markets in the country. Every agent on this page holds an active Florida license.
License VerifiedLicensed since 2022- Life
- Final Expense
- Mortgage Protection
- +4 more
License VerifiedLicensed since 2001Licensed since 2001, Elisabeth has a passion for helping people.
- Life
- Final Expense
- Mortgage Protection
- +5 more
License VerifiedLicensed since 2014Insurance can feel complicated. My goal is to help you understand your options and feel confident about your next step.
- Health
- Life
- Annuities
- +3 more
License VerifiedLicensed since 2018- Life
- Final Expense
- Health
- +1 more
License VerifiedLicensed since 2016I am a licensed Health/Life/Medicare Advisor in several states, serving individuals and families across the country.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2026I’m Betzaveth—a wife, mom, and faith-driven Licensed Life & Health Insurance Broker.
- Life
- Final Expense
- Mortgage Protection
- +2 more
License VerifiedLicensed since 2015I’m Daniel O’Connell, an independent health and life insurance broker based in Houston, Texas.
- Life
- Final Expense
- Medicare
- +3 more
License VerifiedLicensed since 2025- Health
- Annuities
- Life
- +4 more
License VerifiedLicensed since 2026Fox Insurance Services helps individuals, families, and business owners explore insurance options for every stage of life.
- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2018- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2026- Health
- Group Health Plans
- Life
- +3 more
License VerifiedLicensed since 2016Garron T.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2016Ginger Lichlyter helps individuals and families find coverage that fits their lives and protects what matters most.
- Health
- Group Health Plans
- Life
- +3 more
License VerifiedLicensed since 2015I help individuals and families protect the people they love through personalized life insurance and health insurance solutions.
- IUL
- Life
- Final Expense
- +3 more
License VerifiedLicensed since 2019- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2020Jesse Stamm is the founder of Optimum, an Orlando-based independent insurance agency serving families in all 50 states.
- IUL
- Life
- Final Expense
- +3 more
License VerifiedLicensed since 2022- IUL
- Life
- Final Expense
- +2 more
License VerifiedLicensed since 2021- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2020At Fambuli Insurance Services, we believe insurance should start with a conversation—not a product.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2024- Health
- Life
- IUL
License VerifiedLicensed since 2020- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2021- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2019As a mother, wife, and business owner, Patty understands the importance of protecting loved ones.
- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedLicensed since 2015- Life
- Final Expense
- Health
- +3 more
License VerifiedLicensed since 2023Licensed Life & health Insurance agent since 2023. Specializing in Medicare health, and ancillary products.
- Health
- Medicare
- Life
- +4 more
License VerifiedLicensed since 1990I spent 21 years in education and simultaneously had an insurance license for 30 years.
- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2020- Life
- Final Expense
- Health
- +3 more
License VerifiedLicensed since 2024- Health
- Group Health Plans
- Life
- +4 more
License VerifiedLicensed since 2020- Life
- Final Expense
- Mortgage Protection
- +3 more
License VerifiedHi, I’m Varonica Grills, a nationwide health, life, and annuity broker.
- Life
- Final Expense
- Mortgage Protection
- +3 more
Amanda Lunsford
Licensed in 34 states
License VerifiedLicensed since 2019Hello! My name is Amanda Lunsford and I would love to assist you with all of your Health, Life and Dental Insurance needs.
- Life
- Final Expense
- Mortgage Protection
- +2 more
License VerifiedLicensed since 2018- Life
- Final Expense
- Mortgage Protection
- +2 more
- License VerifiedLicensed since 2024
I’m passionate about helping individuals and families find life, health, and Medicare coverage that fits their needs.
- Health
- Medicare
- Life
- +4 more
License Verified- Life
- Final Expense
- Mortgage Protection
- +4 more
License Verified- Life
- Final Expense
- Mortgage Protection
- +4 more
- License Verified
- Life
- Final Expense
- Mortgage Protection
- +5 more
Indra Estivariz
Licensed in 16 states
License Verified- Life
- Final Expense
- Mortgage Protection
- +2 more
Jose Preciado
Licensed in 8 states
License Verified- IUL
- Life
- Final Expense
- +5 more
Melissa Lang
Licensed in 9 states
License Verified- Mortgage Protection
- Health
- Annuities
- +3 more
What IUL cover actually does
Indexed universal life is a kind of permanent life insurance. It is built to last your whole life as long as it stays funded, and it builds cash value you can borrow against.
Part of that cash value earns interest based on a market index. A floor means a bad year in the index does not reduce the interest credited, and a cap limits how much can be credited in a good year. Policy fees and the cost of insurance still come out of the cash value, so how the policy is funded matters.
Read the full IUL guide →