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Individual Life Insurance in Largo FL & Clearwater FL

Reassurance for you and your Loved Ones.

Brown Insurance Services provides life insurance to individuals in Largo, Clearwater, Tampa, St. Petersburg, Dunedin, Palm Harbor, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Brown Insurance Services, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Brown Insurance Services offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Brown Insurance Services is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Brown Insurance Services will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Brown Insurance Services

2401 West Bay Drive, Suite 603
Largo, FL 33770
Main office: 727-456-8794
Toll free: 800-783-8881
Fax: 727-518-0002

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Efficient, experience customer service, professional!
- James R, Port St. Lucie
They work for you!
- Larry M, Deland, FL
Easy to work with, very knowledgeable, listened to my needs and situation, and found a policy that works and saved money.
- Donna, Largo, FL
Very responsive and customer service oriented
- Wendy M, Tarpon Springs, FL
Buying Property out of state for the first time was nerve wracking to say the least. After trying an insurance broker as well as contacting another insurance company, the unanswered emails and slow responses were becoming stressful. Brown Insurance were quick to respond and even quicker to put a quote together. I was very relieved!
- Shelia, Denver, CO
Call Matt Williams at Brown Insurance, he's incredible!!!!
- Spencer G, St. Petersburg, FL
Brown Insurance is efficient, caring, professional and eager to assist the customer
- Patricia, Largo, FL
The best personal service, which is why I recommend Brown Insurance to my buyers.
- Viki W, Dunedin, FL
They are awesome!
- Pamela Hettinger, Saint Petersburg
I have recommended Brown Insurance Services to a friend. That says it all.
- Patrick Gerbig
Excellent Service, Great Rates from Brown Insurance Services.
- Sandy Albanese, St Petersburg
Brown Insurance Services are very responsive with fair prices.
- Richard Lewis, Clearwater Beach
Very easy to work with and great rates!
- Ashley K, Largo
Call Brown Insurance Services and give them a chance to compare prices, you won't be sorry!
- Lawrence W, Wesley Chapel
Great customer service and amazing people! Would not go anywhere else!
- Nichole C, New Port Richey
Brown Insurance Services are wonderful to work with. They really take care of you.
- Cynthia M. Bie, Indian Rocks Beach