Lauderdale-by-the-Sea is a small beach town on the barrier island between Fort Lauderdale and Pompano Beach. We help residents compare final expense, whole life and term coverage from multiple carriers, a short drive from our Fort Lauderdale office. For how pricing works across the county, see our guide to life insurance in Broward County.
Life insurance in Lauderdale-by-the-Sea: local facts that shape your coverage
Lauderdale-by-the-Sea has about 6,300 residents and the oldest population in Broward: 44.9% are 65 or older and only 7.9% are under 18. Households are small, averaging 1.82 people.
Most homes (78.0%) are owner-occupied, with a median value of about $680,900, and the median household income is $81,655. For most residents here, life insurance is about final expenses and leaving money to children or grandchildren, not replacing a paycheck.
Source: U.S. Census Bureau QuickFacts for Lauderdale-by-the-Sea, 2025 population estimate and 2020–2024 American Community Survey. Life insurance prices are not set by city.
Which life insurance fits Lauderdale-by-the-Sea households
Term life insurance
Working residents and seasonal owners with a mortgage still use term life insurance to protect a spouse until the loan is paid down.
Whole life insurance
Whole life insurance is the most common choice for retirees here who want a guaranteed benefit that lasts for life.
Indexed universal life (IUL)
Indexed universal life is rarely suitable for retirees on fixed incomes; it is designed for long-term funding.
Final expense insurance
With nearly half of residents over 65, final expense insurance is one of the most useful policies in town.
How much life insurance a Lauderdale-by-the-Sea household might need
This example uses Lauderdale-by-the-Sea’s median household income of $81,655 and a home near the median value of $680,900.
| What the policy covers | Amount |
|---|---|
| Replace 10 years of income (10 x $81,655) | $816,550 |
| Pay off a mortgage (80% of a $680,900 home) | $544,700 |
| Funeral and final expenses (typical allowance) | $15,000 |
| Estimated coverage need | $1,376,250 |
For retirees, replace the income line with the pension or Social Security income a surviving spouse would lose, and drop the mortgage line if the home is paid off; the need is often much smaller and centered on final expenses and what you want to leave to heirs.
This is an illustration, not a recommendation; your amount depends on your own income, debts, savings and family. See what life insurance costs in Florida, or request a quote and we will run the numbers with you.
The 80% mortgage balance and the $15,000 final-expense allowance are assumptions for illustration.
Life insurance questions from Lauderdale-by-the-Sea residents
I am 78. Can I still buy life insurance?
Often, yes. Final expense and some whole life policies are available into your 80s, often with health questions instead of an exam.
I live here part of the year. Can I buy a Florida policy?
If Florida is your legal residence, yes. If your main home is in another state, the policy is usually issued there; we will check before you apply.
How much final expense coverage should I buy?
Enough for the service you want plus any final bills. We help you price burial and cremation options and size the policy to match.
Getting covered in Lauderdale-by-the-Sea
Many older clients prefer to meet in person; our office on Oakland Park Boulevard is a short drive, or we can meet by phone.
Nearby cities we serve
We also help families in Fort Lauderdale, Pompano Beach, Oakland Park and Deerfield Beach. We also serve neighboring Sea Ranch Lakes.
Contact Lifeworth Insurance
Lifeworth Insurance Agency
2881 E Oakland Park Blvd, Fort Lauderdale, FL 33306
(954) 834-5433 · contact@lifeworthinsurance.com