Best Life Insurance in Lehigh Acres, FL (August 2024)

Protective is the best life insurance company in Lehigh Acres, Florida, with a MoneyGeek score of 92 for men and women. Its average monthly premium is $22 for men and $18 for women. The score and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions. Your unique needs may mean a different company is best for you.

In Lehigh Acres, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $22 for men and $18 for women.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $22 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $27 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $23 per month for women

Protective stands out due to its high MoneyGeek score, which indicates strong performance across affordability, customer satisfaction and financial stability. These factors make it a reliable choice for the average individual looking to purchase life insurance in Lehigh Acres.

Protective provides the best term life insurance in Lehigh Acres, with a MoneyGeek score of 92 and an average monthly premium of $10 for men. For women, it has a MoneyGeek score of 91 and an average premium of $9 per month. This company offers a solid balance of affordability, customer satisfaction and financial stability, making it a prime choice for individuals seeking reliable term life insurance coverage.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $10 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $12 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 91 out of 100 at $9 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $10 per month for women

Term life insurance provides coverage for a predetermined period. For instance, a parent might choose term insurance to ensure financial stability for their children until they reach adulthood. It's a focused and often more affordable option compared to permanent life insurance policies.

In Lehigh Acres, Protective is the top provider of the best whole life insurance for men and women, with a MoneyGeek score of 92 for both. This score indicates that Protective offers a reliable and highly-rated service for those seeking long-term financial security through life insurance.

Top whole life companies for men in Lehigh Acres:

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

Top whole life companies for women in Lehigh Acres:

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

Whole life insurance provides a fixed benefit upon the policyholder's death and a savings component that accumulates cash value over time. For example, an individual may choose whole life insurance over term life insurance to ensure lifelong coverage and to potentially build cash value as an investment component.

Protective provides the best universal life insurance in Lehigh Acres for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's strong performance across key metrics, including customer satisfaction and financial stability, making it a top choice for individuals seeking reliable insurance coverage.

Best universal life insurance for men:

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

Best for women's universal life insurance:

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

Universal life insurance offers flexibility in premiums and death benefits, making it suitable for individuals who want long-term coverage with the potential for cash value growth. For example, someone may choose universal life insurance to provide for their family while accumulating savings that can be accessed later in life.

Protective offers the best no-medical-exam life insurance in Lehigh Acres for men and women, with a MoneyGeek score of 91 for both. This score demonstrates Protective's commitment to affordability, customer satisfaction and financial stability, making it an optimal choice for individuals seeking a reliable insurance policy without needing medical examinations.

Best no-medical-exam life insurance for men:

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

Best life insurance for women that does not require a medical exam:

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

Life insurance without a required medical exam allows individuals to secure a policy without undergoing a health assessment. It can be particularly beneficial for those with health concerns or who prefer a quicker insurance acquisition process. For example, someone with a busy lifestyle may choose this policy to avoid the time-consuming medical exams required by traditional policies.

For the best term life insurance for seniors in Lehigh Acres, Protective stands out with the highest MoneyGeek score of 91 for men and women. Men can expect an average monthly premium of $44, while women are quoted $39.

Age influences life insurance premiums, with costs typically increasing as one gets older. Protective's top MoneyGeek score reflects its strong performance across affordability, customer satisfaction, the buying process, financial stability and product diversity. This score is pivotal for seniors prioritizing a balance of cost and quality in their life insurance.

For those seeking the best term life insurance for smokers in Lehigh Acres, Mutual of Omaha stands out with the highest MoneyGeek score of 91 for men and 90 for women. Men can expect an average monthly premium of $29, while women are quoted around $26.

Smoking is a significant factor in determining life insurance premiums due to the associated health risks, which often lead to higher costs for smokers. Mutual of Omaha's superior MoneyGeek score reflects its excellence in customer satisfaction, financial stability and product diversity, which are pivotal for smokers seeking the best term life insurance. Choosing a company with a strong MoneyGeek score means entrusting your financial security to a provider recognized for its overall value and service quality.

Protective offers the best term life insurance for young adults in Lehigh Acres. It has a MoneyGeek score of 92 and an average monthly premium of $6 for men and women.

Age plays a crucial role in determining the cost of life insurance premiums. Younger adults typically pay lower premiums due to their lower risk of health issues. Protective stands out with the highest MoneyGeek score because of its affordability, customer satisfaction and financial stability. Choosing Protective means getting a reliable and cost-effective insurance option for young adults in Lehigh Acres.

Protective offers the best cheap term life insurance in Lehigh Acres for men and women, with a MoneyGeek Score of 92 and 91 and average monthly premiums of $10 and $9, respectively. Protective has the highest MoneyGeek score due to its strong performance in affordability, customer satisfaction and financial stability. By choosing Protective, consumers can be confident in getting a policy that effectively balances cost and quality.

Various factors influence the cost of life insurance premiums, including age, health rating, coverage amount and term length. To get the lowest premiums possible, you should maintain good health, choose an appropriate coverage amount and opt for a term length that suits your needs.

The average monthly premium for term life insurance in Lehigh Acres is $21 for men and $17 for women.

Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount and policy type. Insurers assess these factors to determine the risk level and set the premium accordingly.

The cost of life insurance in Lehigh Acres might differ from the rest of Florida due to local health statistics, economic conditions, crime rates and environmental factors. For instance, areas with higher crime rates or poor health statistics may see higher premiums. Economic conditions can also impact the affordability and demand for life insurance, affecting overall costs.

Understanding these factors can help consumers make informed decisions when purchasing life insurance. When evaluating insurance options, it's essential to consider both personal circumstances and local conditions.