Best Life Insurance in Jacksonville, FL (August 2024)

Protective is the best life insurance company in Jacksonville, Florida for both men and women. The MoneyGeek score for men is 92, with a monthly premium of $29. For women, the score is also 92, with a monthly premium of $24.

Different factors should be considered when deciding on life insurance. These scores and premiums are based on a 20-year term policy with $500,000 coverage. Your unique needs may mean a different company is best for you.

Protective offers the best life insurance in Jacksonville for both men and women with a MoneyGeek score of 92 out of 100 and a monthly premium of $29 for men and $24 for women.

The best life insurance providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $29 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $35 per month

The best life insurance providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $24 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $30 per month

Protective stands out due to its high scores in affordability, customer satisfaction and financial stability.

The best term life insurance in Jacksonville is Protective, for both men and women.

With a MoneyGeek score of 92 for men and a monthly premium of $13, and a score of 91 for women at $12 per month, Protective offers reliable coverage at a competitive price. Protective provides a balance of affordability, customer satisfaction and financial stability.

The best term life insurance providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month
• Allstate: MoneyGeek score of 91 out of 100 at $13 per month

The best term life insurance providers for women are:

• Protective: MoneyGeek score of 91 out of 100 at $12 per month
• Allstate: MoneyGeek score of 91 out of 100 at $11 per month

Term life insurance is a straightforward policy that covers individuals for a specific period, making it a practical option if you who need coverage for a known duration, such as the length of a mortgage.

Protective provides the best whole life insurance in Jacksonville, with a MoneyGeek score of 92 for both men and women. Protective offers a combination of affordability, customer satisfaction and financial stability.

The best whole life insurance providers for men are:

• Protective: MoneyGeek score of 92 out of 100
• Mutual of Omaha: MoneyGeek score of 91 out of 100

The best whole life insurance providers for women are:

• Protective: MoneyGeek score of 92 out of 100
• Mutual of Omaha: MoneyGeek score of 91 out of 100

Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid. It can be an appealing option if you want a guaranteed death benefit and a cash value component that grows over time. For example, someone might choose whole life insurance to ensure that their family has financial support regardless of when they pass away.

Protective offers the best universal life insurance provider in Jacksonville, with a MoneyGeek score of 91 for both men and women. This score indicates strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity.

The best providers for men are:

• Protective: MoneyGeek score of 91 out of 100
• Mutual of Omaha: MoneyGeek score of 90 out of 100

The best providers for women are:

• Protective: MoneyGeek score of 91 out of 100
• Mutual of Omaha: MoneyGeek score of 90 out of 100

Universal life insurance is a flexible policy that combines life insurance with a savings component. It allows policyholders to adjust their premiums and death benefits over time. For example, someone might choose universal life insurance for the potential to accumulate cash value that can be used in retirement, offering more versatility than a standard term life insurance policy.

Protective offers the best no-medical-exam life insurance provider in Jacksonville, with a MoneyGeek score of 91 for both men and women. This score reflects the company's strong performance across various metrics, including customer satisfaction, financial stability and product diversity.

The top companies in Jacksonville for men are:

• Protective: MoneyGeek score of 91 out of 100
• Mutual of Omaha: MoneyGeek score of 90 out of 100

The top companies in Jacksonville for women are:

• Protective: MoneyGeek score of 91 out of 100
• Mutual of Omaha: MoneyGeek score of 90 out of 100

No-medical-exam life insurance is a policy that grants coverage without subjecting the applicant to a health examination. This can be particularly beneficial if you need insurance quickly or have health conditions that might prevent them from passing a traditional medical underwriting process. For example, a person with a chronic illness might opt for such insurance to ensure they can obtain coverage without the risk of being denied based on their health.

Protective provides the best term life insurance for seniors in Jacksonville, with a MoneyGeek score of 91 for both men and women. Men can expect a monthly premium of around $57, while women can expect around $52.

Age significantly influences life insurance premiums; as individuals age, the risk to insurers increases, leading to higher costs. Protective's top MoneyGeek score reflects its strong customer satisfaction, financial stability and product diversity.

Mutual of Omaha offers the best term life insurance for smokers in Jacksonville, scoring 91 for men and 90 for women. Men pay a monthly premium of $37, while women pay $34. Smoking can significantly raise life insurance premiums because insurers view smokers as higher-risk clients due to the associated health concerns.

Mutual of Omaha's top MoneyGeek scores reflect its strong customer satisfaction, affordability, financial stability and product diversity. These scores matter if you’re seeking the best term life insurance for smokers because they indicate a company's overall value and reliability, critical factors in choosing a long-term financial product.

If you’re seeking best term life insurance for young adults in Jacksonville, Protective stands out with a MoneyGeek score of 92 and monthly premiums of $8 for men and $7 for women.

Age significantly affects life insurance premiums, with younger adults typically benefiting from lower rates. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction, and financial stability.

For the best cheap term life insurance in Jacksonville, Protective stands out for both men and women. With a MoneyGeek score of 92 for men and 91 for women, and monthly premiums of $13 and $12 respectively, Protective offers great value.

Factors influencing life insurance premiums include age, health and coverage amount. To get the lowest premiums, maintain good health, choose a shorter term and opt for a higher deductible. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.

The average monthly premium for term life insurance in Jacksonville is $23 for women and $27 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation and the terms of the policy. Insurers assess these variables to determine the risk and set the premium accordingly.

In Jacksonville, the cost of life insurance might be different from the rest of Florida for various reasons. Local health statistics, such as the prevalence of certain medical conditions, can influence insurance rates. Economic conditions, including the average income level and employment rates, also play a role. Additionally, regional risk factors like natural disasters or crime rates can impact the cost of premiums.

Understanding these factors can help consumers make informed decisions when purchasing life insurance. By considering both personal and regional influences, you can better navigate their options and choose the best policy for your needs.