Florida life insurance rates depend on many variables. First question how much Life insurance are you looking for and what insurance rates make sense for you? How long do you want to have the life insurance in force within set rates because there are 5 year term Florida life insurance rates, 10 year Florida life insurance rates, 20 year Florida life insurance rates, 25 year Florida life insurance and 30 year life insurance rates. Then there are different classification that t Florida life insurance companies will use to calculate where you fall in their rate structure. Are your parents still alive, are they healthy? How is your driverâs license? Do you have any tickets?