We help families across Miami-Dade County, from Aventura and Miami Gardens to Hialeah, Doral, Miami and Homestead, compare term, whole life, indexed universal life and final expense coverage from multiple carriers, in English or Spanish. Our office is in Fort Lauderdale, a short drive from north Miami-Dade, and most clients work with us by phone, video and e-signature.
Life insurance in Miami-Dade County: what to know
Life insurance prices in Florida are not set by county. Carriers price a policy on your age, health, tobacco use, the coverage amount and the policy type, so the same person pays the same price in Hialeah or in Orlando.
What is different about Miami-Dade is the households. More than half of residents (54.5%) were born abroad and 75.3% speak a language other than English at home. Nearly half of homes are rented, and many families support relatives in other countries. Those facts change how much coverage a family needs, who the beneficiaries are, and which carriers will accept an applicant who travels abroad often.
Miami-Dade County at a glance
| Measure | Miami-Dade County |
|---|---|
| Population (2025 estimate) | 2,802,029 |
| Residents 65 or older | 18.3% |
| Residents under 18 | 19.2% |
| Median household income | $71,753 |
| Median home value | $463,000 |
| Owner-occupied homes | 52.2% |
| Speak a language other than English at home | 75.3% |
| Veterans | 44,155 |
Source: U.S. Census Bureau QuickFacts, 2025 population estimates and 2020–2024 American Community Survey.
Cities we serve in Miami-Dade County
| City | Population | 65 or older | Median household income |
|---|---|---|---|
| Miami | 489,812 | 15.9% | $62,462 |
| Hialeah | 230,968 | 20.3% | $55,594 |
| Miami Gardens | 113,579 | 16.6% | $63,627 |
| Homestead | 86,242 | 8.5% | $65,423 |
| Doral | 81,634 | 8.9% | $94,164 |
| Miami Beach | 81,594 | 18.8% | $72,856 |
| North Miami | 60,884 | 15.2% | $57,188 |
| Coral Gables | 49,578 | 18.9% | $134,216 |
| North Miami Beach | 46,236 | 16.9% | $63,280 |
| Cutler Bay | 44,750 | 16.9% | $89,244 |
| Aventura | 39,880 | 25.8% | $89,274 |
| Miami Lakes | 33,067 | 15.1% | $101,557 |
| Palmetto Bay | 24,886 | 15.5% | $142,447 |
| Sunny Isles Beach | 22,395 | 27.0% | $61,921 |
| Pinecrest | 18,635 | 17.5% | $206,417 |
Smaller towns we serve
We also serve the county’s smaller municipalities. Each one has its own section on the page for its nearest city: Hialeah Gardens and Medley on our Hialeah page; Miami Springs, Virginia Gardens and Sweetwater on our Doral page; South Miami and West Miami on our Coral Gables page; Surfside, North Bay Village and Indian Creek on our Miami Beach page; Bal Harbour, Bay Harbor Islands and Golden Beach on our Sunny Isles Beach page; Miami Shores, El Portal and Biscayne Park on our North Miami page; Key Biscayne on our Miami page; Florida City on our Homestead page; Opa-locka on our Miami Gardens page.
We serve every city and community in the county; these are the largest. Figures from U.S. Census Bureau QuickFacts.
Which life insurance fits Miami-Dade County households
Term life insurance
Most Miami-Dade families start with term life insurance sized to replace income for the years children and relatives depend on it; renters can size it to income alone.
Whole life insurance
Parents and grandparents who want a guaranteed amount for the family, regardless of when they die, often choose whole life insurance.
Indexed universal life (IUL)
Business owners and higher earners in Doral, Coral Gables and Pinecrest sometimes add indexed universal life; it needs steady funding and a clear view of its caps and charges.
Final expense insurance
Final expense insurance is a common choice for older residents who want funeral costs covered so family, here or abroad, does not have to pay.
How much life insurance a Miami-Dade County household might need
This example uses the county’s median household income of $71,753 and a home near the median value of $463,000.
| What the policy covers | Amount |
|---|---|
| Replace 10 years of income (10 x $71,753) | $717,530 |
| Pay off a mortgage (80% of a $463,000 home) | $370,400 |
| Funeral and final expenses (typical allowance) | $15,000 |
| Estimated coverage need | $1,102,930 |
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 Miami-Dade County residents
Can you explain everything in Spanish?
Yes. We explain options, applications and policy documents in Spanish and English, and many carriers offer Spanish-language applications.
Can my beneficiary live in another country?
Many carriers allow beneficiaries abroad, but collecting the benefit takes extra paperwork. Some families name a relative in the U.S. to manage the funds.
I travel often to Latin America. Can I still get covered?
Often, yes. Carriers ask about foreign travel and residency; tell us where and how long you travel so we can match you with a carrier that accepts it.
Do I need to be a U.S. citizen?
Not always. Many carriers insure permanent residents and some visa holders; requirements vary, so we check eligibility before you apply.
Other areas we serve
We also help clients with life insurance in Broward County and life insurance in Palm Beach County, and anywhere in the state through our guide to life insurance in Florida.
Contact Lifeworth Insurance
Lifeworth Insurance Agency
2881 E Oakland Park Blvd, Fort Lauderdale, FL 33306
(954) 834-5433 · contact@lifeworthinsurance.com