Updated: November 21, 2024
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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.
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 Lehigh Acres, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceLehigh Acres, FBest Life Insurance Companies in Lehigh Acres
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.
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:
Top providers 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.
In Lehigh Acres, Protective is the leading life insurance provider for men and women, with a MoneyGeek score of 92 for both. Men can secure a policy at a monthly cost of around $22, while women benefit from a slightly lower rate of $18. The company's strong performance in customer satisfaction and affordability underscores its commitment to providing valuable service to its clients.
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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 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:
For women, the top two are:
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.
Protective is the best term life insurance provider in Lehigh Acres, with a MoneyGeek score of 92 for men and 91 for women. Men can secure a policy at approximately $10 per month, while women pay around $9 per month. With Protective, customers can expect a reliable insurance experience underscored by a commitment to customer satisfaction and financial strength.
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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.
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:
Top whole life companies for women in Lehigh Acres:
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.
For those seeking the best whole life insurance in Lehigh Acres, Protective stands out for men and women, with a MoneyGeek score of 92. This score reflects a balance of affordability and customer satisfaction, making Protective a top choice for life insurance needs in the area.
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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 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:
Best for women's universal life insurance:
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 is the premier choice for universal life insurance in Lehigh Acres, securing the top position for men and women with a MoneyGeek score of 91. This score reflects the company's strong performance across several key metrics.
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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.
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:
Best life insurance for women that does not require a medical exam:
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.
In Lehigh Acres, Protective is the top provider of life insurance that doesn't require a medical exam. With a MoneyGeek score of 91 for men and women, Protective offers a reliable choice for those seeking coverage without the hassle of a medical exam.
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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 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.
| 1 | Protective | $44 | 91 |
| 2 | Mutual of Omaha | $48 | 91 |
| 3 | Nationwide | $45 | 90 |
| 4 | Allstate | $39 | 89 |
| 5 | AAA | $56 | 88 |
| 6 | Transamerica | $45 | 87 |
| 7 | Prudential | $59 | 85 |
| 8 | State Farm | $77 | 84 |
| 9 | Haven | $88 | 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 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.
| 1 | Mutual of Omaha | $29 | 91 |
| 2 | Nationwide | $33 | 89 |
| 3 | AAA | $32 | 89 |
| 4 | Transamerica | $26 | 88 |
| 5 | Protective | $43 | 88 |
| 6 | Prudential | $28 | 87 |
| 7 | State Farm | $39 | 86 |
| 8 | Allstate | $40 | 85 |
| 9 | Haven | $52 | 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 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.
| 1 | Protective | $6 | 92 |
| 2 | Mutual of Omaha | $7 | 91 |
| 3 | Nationwide | $8 | 90 |
| 4 | AAA | $8 | 89 |
| 5 | Allstate | $6 | 89 |
| 6 | Transamerica | $7 | 88 |
| 7 | State Farm | $13 | 86 |
| 8 | Haven | $9 | 86 |
| 9 | Prudential | $12 | 85 |
| 10 | Bestow | $19 | 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 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.
| 1 | Protective | $10 | 92 |
| 2 | Allstate | $10 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Mutual of Omaha | $12 | 90 |
| 5 | Transamerica | $11 | 90 |
| 6 | AAA | $13 | 88 |
| 7 | Haven | $16 | 83 |
| 8 | State Farm | $20 | 82 |
| 9 | Prudential | $18 | 82 |
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.
Protective has the best life insurance for men in Lehigh Acres, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Lehigh Acres is $22. Protective offers this rate, making it the most affordable option with the highest MoneyGeek score.
Protective has the best life insurance for women in Lehigh Acres, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Lehigh Acres is $18. Protective offers this rate, making it the most affordable option with the highest MoneyGeek score.
Life insurance in Lehigh Acres is comparable to that of the rest of Florida. Protective offers competitive rates and high MoneyGeek scores in both areas. The primary difference may lie in residents' specific needs and preferences. For example, some might prioritize affordability, while others may focus on customer satisfaction or financial stability.
If a life insurance company goes bankrupt in Lehigh Acres, state guaranty associations step in to protect policyholders. These associations cover claims up to a certain limit, ensuring that policyholders are not left without coverage. Understanding the specific limits and protections offered by Florida is essential.
Lehigh Acres residents might need life insurance to provide financial security for their families. Life insurance can cover funeral costs, pay off debts and replace lost income. It can also help with future expenses like college tuition for children. Having a policy ensures protection for loved ones.
To find a lost life insurance policy in Lehigh Acres, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the Florida Department of Financial Services for assistance. Online tools and databases, such as the National Association of Insurance Commissioners' Life Insurance Policy Locator, can be helpful.
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.
