FAQ

How Florida law protects you

Plain English summaries of Florida statutes that protect you, with links to the official law. Not legal advice.

All products

Fixed annuities (MYGA) and fixed indexed annuities (FIA)

Life insurance and final expense

Medicare

Long term care

Group life and group disability

Not legal advice

This page summarizes selected Florida statutes and federal rules for general education only. It is not legal, tax or financial advice, and no attorney client relationship is created. Nicholas Pacheco is a licensed insurance professional, not an attorney. Laws change and have exceptions; the official statute text, your contract and current law control. Consult a licensed Florida attorney for legal advice about your situation.

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How Florida law protects you

All products

Who regulates insurance and annuities in Florida?

What happens if an insurance company fails?

Are my policies protected from creditors?

Fixed annuities (MYGA) and fixed indexed annuities (FIA)

Do I get time to change my mind?

Does the agent have to act in my best interest?

What if I am replacing or exchanging an existing annuity?

Life insurance and final expense

Is there a free look period for life insurance?

What if I miss a premium payment?

Can the insurer contest my policy years later?

Does the insurer owe interest if a death claim is paid late?

Medicare

Is there a free look period for Medicare Supplement plans?

Can I be turned down for a Medicare Supplement?

Long term care

Do I get a free look period on long term care insurance?

What protects me from an accidental lapse?

Must inflation protection be offered?

Group life and group disability

What happens to group life coverage if I leave my job?

Can a group disability claim be denied without explanation?