Jacksonville, FL Life Insurance
Jacksonville's military presence generates $9.1 billion in annual regional economic output and over 68,000 military-related jobs — and for many of those families, base group coverage and SGLI don't automatically travel with them into civilian life. The Allen Thomas Group is an independent, family-owned agency licensed to serve Jacksonville and Duval County, and we compare 15+ A-rated carriers to build coverage around your family's actual needs.
Carriers We Represent
Life Insurance in Jacksonville and Duval County
Duval County-specific life expectancy figures were conflicting in this research pass, so we reference the Florida statewide average of 77.9 years (2022 CDC) as a baseline. Statewide, heart disease and cancer remain Florida's leading causes of death.
Jacksonville is home to a major military presence — Naval Air Station Jacksonville, Naval Station Mayport (4th Fleet), Kings Bay, Camp Blanding and Blount Island Command — generating $9.1 billion in gross regional product (17% of the local economy), 68,060 military-related jobs, and $293 million in state and local taxes. Jacksonville's median household income is $69,872 (2024), up from $66,981 the prior year.
How Much Life Insurance Do Jacksonville Families Need?
Using the standard 10-15x income guideline, a household at Jacksonville's median income of $69,872 would reasonably consider roughly $700,000-$1,050,000 in coverage. For Jacksonville's large military population specifically, it's worth reviewing what happens to Servicemembers' Group Life Insurance (SGLI) coverage when a service member separates or changes duty stations, since it doesn't automatically follow you into civilian life or convert without action on your part.
Local funeral directory data cites an average funeral cost around $8,200 in Jacksonville, with traditional burial running $6,375-$11,083 and direct cremation as low as $1,095 up to $6,125 — figures close to but slightly below the national NFDA median of $8,300 (2023).
- Term life insurance sized to income, mortgage and family circumstances
- Supplemental coverage to fill the gap when SGLI or base group life ends
- Whole and universal life options for permanent, cash-value coverage
- Final-expense/burial policies benchmarked to Jacksonville-area 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 Jacksonville 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 Jacksonville 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 Jacksonville, so we serve families across Duval 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 Jacksonville?
Using the standard 10-15x income guideline, a household at Jacksonville's median income of $69,872 would reasonably consider roughly $700,000-$1,050,000 in coverage, adjusted for mortgage and family circumstances.
Are you located in Jacksonville?
No. The Allen Thomas Group is an independent, family-owned agency headquartered in Ohio and licensed to serve Florida, including Jacksonville and Duval County. We work with local families remotely by phone, email and online.
Does my SGLI coverage follow me after I leave the military?
Not automatically. Servicemembers' Group Life Insurance typically requires conversion to a civilian policy when you separate or change duty stations — a real coverage gap worth planning for given Jacksonville's large military population across NAS Jacksonville, Naval Station Mayport, Kings Bay and Camp Blanding.
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 Jacksonville?
Local funeral directory data cites an average around $8,200, with traditional burial running $6,375-$11,083 and direct cremation as low as $1,095 — figures close to the national NFDA median of $8,300.
Protect Your Jacksonville Family with the Right Life Insurance
Let the Allen Thomas Group compare 15+ A-rated carriers to match your Jacksonville 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.