Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Brandon, Florida, for men and women, with a MoneyGeek score of 92 for both groups. The average monthly premiums are $29 for men and $26 for women. The score and premium costs are based on a 20-year term policy and $500,000 coverage.
Different factors should be considered when deciding on life insurance. Your unique needs may mean a different company is best for you.
Why Trust MoneyGeek? We analyzed 1,488 life insurance quotes alongside customer satisfaction, financial stability reports, product offerings and more to determine the best life insurance companies in Brandon, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceBrandon, FLBest Life Insurance Companies in Brandon
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
This was done using the average profile with a 20-year term policy and $500K coverage.
Protective offers the best life insurance in Brandon for men and women, with a MoneyGeek score of 92 for both. The average monthly premium for men is $29 for men, and for women, it's around $26. The company's high scores and competitive premiums make it a strong choice for the average individual looking for life insurance in Brandon.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and affordable premiums make it an excellent choice for those seeking reliable life insurance in Brandon.
In Brandon, Protective is the leading life insurance provider for men and women, with a MoneyGeek score of 92 for each group. Men can secure coverage at an average monthly premium of $29, while women enjoy a slightly lower rate of $26. This company's reputation for customer satisfaction and affordability makes it a top choice for life insurance seekers in the area.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective is the best term life insurance provider in Brandon, with a MoneyGeek score of 92 and an average monthly premium of $13 for men and women. Its high score indicates that Protective offers a strong combination of affordability, customer satisfaction and financial stability, making it an attractive choice for individuals seeking reliable term life insurance coverage. The company's performance across these metrics suggests that customers can expect a good balance of cost and quality in their insurance products.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides coverage for a predetermined period, typically 10 to 30 years. It is often chosen for its affordability and simplicity. For instance, a parent might purchase a term life policy to ensure that their child's education costs are covered in the event of their untimely passing.
Protective is the top choice for term life insurance for men and women in Brandon, with a MoneyGeek score of 92 for both groups. Men and women can secure coverage at an average monthly premium of $13, ensuring financial protection without straining their budgets. The company's excellence in customer satisfaction and financial stability makes it a reliable choice for policyholders seeking protection.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
Protective stands out with the best whole life insurance in Brandon, with a MoneyGeek score of 92 for men and women. This score reflects the company's strong performance across affordability, customer satisfaction, the buying process, financial stability and product diversity. Protective offers a balanced mix of cost-effectiveness and quality service for the average individual, making it a top choice for securing financial protection through whole life insurance.
Top whole life companies for men in Brandon:
Top whole life companies for women in Brandon:
Whole life insurance is a type of permanent life insurance that offers a death benefit and a savings component, which can accumulate cash value over time. Unlike term life insurance, which only provides coverage for a specified period, whole life insurance remains in effect for the insured's lifetime, provided premiums are paid. For example, someone might choose whole life insurance to ensure they leave a legacy for their heirs or to have the option to borrow against the policy's cash value in the future.
Protective is the premier choice for the best whole life insurance for men and women in Brandon. The company boasts a MoneyGeek score of 92 for both genders, indicating its commitment to quality and customer satisfaction. Protective's offerings provide peace of mind and reliability to those seeking comprehensive insurance solutions.
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Ensure you're getting the best rate for your life insurance. Compare quotes from top providers to find the most affordable life insurance coverage for your needs.
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies over a 10-year term for $250K coverage.
Protective stands out with the best universal life insurance in Brandon for men and women, with a MoneyGeek score of 91 for each group. This score suggests that Protective offers a balance of affordability, customer satisfaction and financial stability, making it a top choice for the average individual seeking reliable life insurance coverage.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. It can be an attractive option for someone who wants the potential to build cash value over time, which can be used to cover premiums or even withdrawn during their lifetime.
Protective is the premier choice for universal life insurance in Brandon, with a MoneyGeek score of 91 for men and women. Protective stands out for its commitment to customer satisfaction and financial robustness. Consumers can trust Protective's consistent performance across key metrics, ensuring a dependable insurance experience.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams for a 10-year term with $250K coverage if the insuree was in poor health.
In Brandon, Protective offers the best no-medical-exam life insurance for men and women. It has a MoneyGeek score of 91 for both genders. Choosing Protective means opting for a provider that excels in affordability, customer satisfaction and financial stability.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance that doesn't require a medical exam allows individuals to obtain coverage quickly without the need for a medical check-up. For example, someone with a busy schedule or a fear of medical tests might choose this type of insurance for convenience and protection.
In Brandon, Protective is the premier choice for life insurance without the hassle of a medical exam. Protective ensures a balance of satisfaction and value with a MoneyGeek score of 91 for men and women.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
For those seeking the best term life insurance for seniors in Brandon, Protective stands out for both men and women, with a MoneyGeek score of 91 for both. Men can expect an average monthly premium of $58, while women's premiums are approximately $55.
As seniors age, life insurance premiums typically increase, reflecting the higher risk associated with advancing years. Protective's high score indicates a strong balance of affordability, customer satisfaction, a streamlined buying process and financial stability. These factors are crucial for seniors looking to secure their financial future without compromising on quality or service.
| 1 | Protective | $58 | 91 |
| 2 | Mutual of Omaha | $63 | 91 |
| 3 | Nationwide | $59 | 90 |
| 4 | Allstate | $51 | 89 |
| 5 | AAA | $73 | 88 |
| 6 | Transamerica | $59 | 87 |
| 7 | Prudential | $77 | 85 |
| 8 | State Farm | $100 | 84 |
| 9 | Haven | $115 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
For those seeking the best term life insurance for smokers in Brandon, Mutual of Omaha stands out for men and women. It has a MoneyGeek score of 91 and an average monthly premium of $38 for men and a MoneyGeek score of 90 and a monthly premium of around $36 for women.
Smoking impacts life insurance premiums due to the associated health risks, leading insurers to charge higher rates for smokers compared to nonsmokers. Mutual of Omaha's top scores reflect its strong performance across various metrics, including affordability, customer satisfaction, the buying process, financial stability and product diversity. These factors contribute to the company's reputation as a reliable choice for smokers in Brandon seeking life insurance coverage.
| 1 | Mutual of Omaha | $38 | 91 |
| 2 | Nationwide | $44 | 89 |
| 3 | AAA | $41 | 89 |
| 4 | Transamerica | $34 | 88 |
| 5 | Protective | $56 | 88 |
| 6 | Prudential | $36 | 87 |
| 7 | State Farm | $51 | 86 |
| 8 | Allstate | $52 | 85 |
| 9 | Haven | $68 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
Protective offers the best term life insurance for young adults in Brandon for men and women. For both genders, it has a MoneyGeek score of 92 and an average monthly premium of $8.
Age significantly impacts life insurance premiums, with younger people generally paying less. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability. Young adults in Brandon can benefit from these factors when choosing their term life insurance.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | AAA | $11 | 89 |
| 5 | Allstate | $8 | 89 |
| 6 | Transamerica | $9 | 88 |
| 7 | State Farm | $17 | 86 |
| 8 | Haven | $12 | 86 |
| 9 | Prudential | $15 | 85 |
| 10 | Bestow | $25 | 83 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
Protective offers the best cheap term life insurance in Brandon for men and women. The company offers a balanced mix of affordability and quality, with a MoneyGeek score of 92 for men and 91 for women and an average monthly premium of $13 for both. Protective's high MoneyGeek scores reflect its strong customer satisfaction, financial stability and product diversity, making it a reliable choice for those in Brandon seeking the best cheap term life insurance.
Various factors influence life insurance premiums, including age, health, coverage amount and term length. To secure the lowest premiums, individuals should maintain good health, avoid tobacco and choose a term length that meets their needs without overextending their budget.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Mutual of Omaha | $15 | 90 |
| 5 | Transamerica | $14 | 90 |
| 6 | AAA | $17 | 88 |
| 7 | Haven | $21 | 83 |
| 8 | State Farm | $26 | 82 |
| 9 | Prudential | $23 | 82 |
In Brandon, Florida, the average monthly premium for term life insurance is $27 for men and $24 for women.
Several factors influence the cost of life insurance premiums. These include the policyholder's age, health, lifestyle and the amount of coverage they choose. Insurers assess these factors to determine the risk and set the premium accordingly.
The cost of life insurance in Brandon may differ from other parts of Florida due to local economic conditions, regional health statistics and specific risk profiles of residents. Understanding these factors can help consumers make informed decisions about their life insurance needs.
Protective has the best life insurance for men in Brandon, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Brandon is $29. Protective offers this rate for a 20-year term with a coverage amount between $250,000 and $500,000.
Protective has the best life insurance for women in Brandon, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Brandon is $26. Protective offers this rate for a 20-year term with a coverage amount between $250,000 and $500,000.
Life insurance in Brandon is generally similar to the rest of Florida. However, local economic conditions and demographics might influence the options available. For example, premium rates and coverage options could vary based on the specific needs and preferences of the local population.
If a life insurance company goes bankrupt in Brandon, state guaranty associations typically protect policyholders up to certain limits. These associations ensure that policyholders continue to receive coverage and benefits even if the original insurance provider fails.
Brandon residents might need life insurance to provide financial security for their families in case of unexpected death. It can help cover debts, such as mortgages or loans, and plan for future expenses, including children's education or retirement.
To find a lost life insurance policy in Brandon, residents can contact the insurance company directly, check bank statements for premium payments or use online search tools designed to locate lost policies. These steps can help track down the necessary information.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
