Call Us Today:
863.701.7411 (Lakeland)

863.676.1700 (Lake Wales)

Individual Life Insurance in Lakeland FL & Lake Wales FL

Reassurance for you and your Loved Ones.

Headley Insurance Agency provides life insurance to individuals in Lakeland, Lake Wales, Winter Haven , Mulberry, Bartow, Davenport, 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 Headley Insurance Agency, 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

Headley Insurance Agency 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. 

Headley Insurance Agency 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 Headley Insurance Agency 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 Locations

*Headley Insurance Agency - Lakeland

3544 South Florida Ave
Lakeland, FL 33803
Main office: 863-617-7425
Toll free: 800-225-9960
Fax: 863-701-7417

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Headley Insurance Agency - Lake Wales

124 West Central Ave
Lake Wales, FL 33853
Main office: 863-676-1700
Toll free: 800-225-9960
Fax: 863-676-9567

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

I can't say enough good things about Scott Headley and his great staff. I have multiple policies with Headley Insurance. I feel like they are part of my family. We have been able to depend on them for more than 15 years. They go above and beyond the call of duty without hesitation. If your looking for insurance, look no further than Headley Insurance. My family and I love them.
- Rusty Longaberger
As a business owner I was unware of the risk that I was exposed to. Scott Headley was able to get easy homes 123, llc a general liability policy for my business and he also has got my rental properties covered. The service at Headley insurance was way above that I have experienced with other agents. I have Refered several people already and will continue.
- Steve Mitchell
I am a former insurance agent of 20 years plus, so I am very selective about who I choose to take care of my insurance needs. Everyone at Headley Insurance Agency is very friendly, accessible and knowledgeable. They're always prompt in answering the phone and returning a call. They also have a very good selection of very reputable insurance companies that they represent. I refer anyone seeking insurance of any type to them, whether it's commercial or personal. I can tell you from personal experience with Scott Headley, the owner of Headley Insurance, that he truly cares about his customers and his employees, and it shows in so many ways. If you're looking for peace-of-mind with all of your insurance needs, I highly recommend this agency!
- Jami Johnson
I sent a Facebook message to Scott Headley (Headley Insurance Agency) at 6pm, he drove to his office, wrote the policy then drove to Regal to hand deliver it so I could drive my newly purchased truck home. Other than my parents no one has ever gone completely out of their way to this extreme. Thank you guys, you have no idea how much you have done for me. You will forever have a loyal customer.
- Erika Warren
Thank you to Scott Headley and the rest of the staff at Headley Insurance Agency, for making my life SOOOOO much easier. When the Mulberry Chamber of Commerce had to research new Insurance options, you told me you would take care of it. And that you did! I would love to be able to say that it was GREAT working with you...but, I hardly call a phone call to tell you what I needed, a return call when you had it taken care of, and the signing of some papers (and a lower premium)... WORK! I REALLY appreciate your customer service...you are a lifesaver!!
- Monica DiNicolantonio
I am a small business owner in Davenport. I called Headley Insurance a few days ago to get a quote on my business. The ladies there were very insightful. They discussed coverages with me that I would never have thought I needed. I went into the office today to take out the policy. My agent was very thorough and answered any questions I had. They gave me everything I needed to get the ball rolling. Thank God I found them!
- Trina Lambert