Orlando, FL Life Insurance
Tourism directly employs 288,000 people in Orlando, with a total economic footprint of 468,000 jobs — a huge share of the local workforce in an industry where hourly and seasonal employment typically comes with minimal or no employer-provided group life insurance. The Allen Thomas Group is an independent, family-owned agency licensed to serve Orlando and Orange County, and we compare 15+ A-rated carriers to build coverage around your family's actual needs.
Carriers We Represent
Life Insurance in Orlando and Orange County
Orange County's life expectancy is 79.4 years per County Health Rankings' 2025 data, above the statewide average whether compared to CDC's 77.9-year (2022) figure or CHR's own 78.5-year 2025 baseline. County-specific cause-of-death rankings weren't reliably confirmed; statewide, heart disease, cancer, stroke and unintentional injury remain Florida's top causes of death.
Orlando's median household income is $72,336 (2024), up from $69,268 the prior year. Tourism directly employs 288,000 people in the Orlando area, with a total economic impact of 468,000 jobs (2024 data) — a genuinely enormous share of the local workforce in an industry where hourly and seasonal roles rarely come with meaningful employer group life coverage.
How Much Life Insurance Do Orlando Families Need?
Using the standard 10-15x income guideline, a household at Orlando's median income of $72,336 would reasonably consider roughly $725,000-$1,085,000 in coverage. For Orlando's large tourism and hospitality workforce specifically, an individually purchased policy is often the only life insurance coverage available.
No local or Orange County-specific funeral cost survey exists beyond a single funeral home's marketing page citing an unspecified local pricing survey, so we anchor final-expense planning to the national NFDA median of $8,300 (2023).
- Individual life insurance for Orlando's large tourism/hospitality workforce
- Term life insurance sized to income, mortgage and family circumstances
- Whole and universal life options for permanent, cash-value coverage
- Final-expense/burial policies benchmarked to national NFDA cost data
- Policies structured with Florida's $300,000 guaranty cap in mind for larger needs
- No Florida estate tax to plan around, simplifying larger policies
Why Orlando Families Choose The Allen Thomas Group
The Allen Thomas Group is an independent, family-owned agency founded in 2003, with an A+ BBB rating and access to 15+ A-rated carriers. We are licensed to serve Florida and help Orlando families compare term, whole and final-expense life policies rather than being sold a single company's product. Because we are independent, we advocate for you and shop the market on your behalf.
We are headquartered in Ohio and are not located in Orlando, so we serve families across Orange County by phone, email and online. That lets us bring statewide market knowledge and carrier relationships to your policy without the constraints of a single local office.
Frequently Asked Questions
How much life insurance do I need in Orlando?
Using the standard 10-15x income guideline, a household at Orlando's median income of $72,336 would reasonably consider roughly $725,000-$1,085,000 in coverage, adjusted for mortgage and family circumstances.
Are you located in Orlando?
No. The Allen Thomas Group is an independent, family-owned agency headquartered in Ohio and licensed to serve Florida, including Orlando and Orange County. We work with local families remotely by phone, email and online.
Does tourism work affect life insurance needs in Orlando?
Yes, significantly. Tourism directly employs 288,000 people locally, with a total economic impact of 468,000 jobs, and hourly/seasonal hospitality roles typically come with minimal or no employer group life coverage.
What is Florida's life insurance guaranty association cap?
The Florida Life & Health Insurance Guaranty Association guarantees up to $300,000 per insured life if a licensed insurer becomes insolvent.
Does Florida have a state estate tax?
No. Florida has had no state estate or inheritance tax since 2004, simplifying wealth-transfer planning for larger life insurance policies.
How much does a funeral cost in Florida?
No Orlando- or Orange County-specific data is published; the National Funeral Directors Association's 2023 national study puts the median cost of a funeral with viewing and burial at $8,300.
Protect Your Orlando Family with the Right Life Insurance
Let the Allen Thomas Group compare 15+ A-rated carriers to match your Orlando policy with the term, whole life or final-expense coverage that fits your family's needs. Call (440) 826-3676 to talk through your options with an independent advisor.