Life insurance is one of the kindest and most important purchases you will ever make. No one wants to think about it, but life insurance will assure that those who depend upon you financially are taken care of in the event of a tragedy. Life insurance proceeds can pay for funeral costs, help pay bills and meet ongoing living expenses, pay off outstanding debt including credit cards and mortgages, continue a family business, finance future needs including your children’s education and protect a spouse’s retirement plan.

Melissa Ems Insurance Agency can assist you in protecting your financial future and that of your loved ones by discussing your current life situation as well as how different life events can alter your protection needs.


We offer numerous life insurance products and services including:

  • Life Planning
  • Guaranteed Term (1, 5, 10, 20, 30 years)
  • Whole Life (WL)
  • Universal Life (UL)
  • Cash Value
  • Key Man
  • Final Expense
  • Limited underwriting for high risk
  • Guaranteed Issue
  • Mortgage Life
  • Single Premium
  • Yearly Premium
  • Monthly Premium

Get a quote today.




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3446 49th Street North
St. Petersburg, FL 33710

Call 727.321.9828
Fax 727.321.5105

Monday 8:30am – 5pm
Tuesday 8:30am – 5pm
Wednesday 8:30am – 5pm
Thursday 8:30am – 5pm
Friday 8:30am – 5pm
Saturday By Appointment