Updated: November 21, 2024
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Protective is the best life insurance company in Pembroke Pines, Florida, with the highest MoneyGeek score of 92 for both men and women. The average monthly premiums are $33 for men and $27 for women.
These scores and premiums are based on a 20-year term policy with $500,000 coverage, but your choice may vary based on personal needs. Consider your age, health and coverage needs when choosing life insurance.
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 Pembroke Pines, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsurancePembroke PinesBest Life Insurance Companies in Pembroke Pines
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 Pembroke Pines, with a MoneyGeek score of 92 and average monthly premiums of $33 for men and $27 for women.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and lower monthly premiums make it the best choice for life insurance.
Protective is the top life insurance provider for both men and women in Pembroke Pines, with a MoneyGeek score of 92. It provides affordable coverage at average monthly premiums of $33 for men and $27 for 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective is the best term life insurance provider in Pembroke Pines, with a MoneyGeek score of 92 and an average monthly premium of $15 for men. For women, Protective also leads with a score of 91 at $14 per month. Its high affordability, customer satisfaction and financial stability scores make it a top choice for reliable coverage.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage at a fixed rate of payments for a limited time. For instance, a parent might purchase a 20-year term life insurance policy to ensure that their children's education and living expenses are covered in the event of their untimely death.
In Pembroke Pines, Protective is the best term life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. Monthly premiums are about $15 for males and $14 for females, offering a balance of cost and quality coverage.
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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 Pembroke Pines, Protective has the best whole life insurance, achieving MoneyGeek scores of 91 for men and 92 for women. The company performs strongly in terms of affordability, customer satisfaction, the buying process, financial stability and product diversity.
Top whole life companies for men:
Top whole life companies for women:
Whole life insurance provides a fixed premium and a guaranteed death benefit, making it suitable for long-term financial planning. For instance, you might choose whole life insurance to ensure financial security for your family, regardless of market fluctuations.
Protective is the top choice for whole life insurance in Pembroke Pines, with MoneyGeek scores of 91 for men and 92 for women.
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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 is the best universal life insurance provider in Pembroke Pines, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.
Universal life insurance combines life coverage with an investment component, allowing for cash value growth. It also provides flexibility to adjust premiums and death benefits over time. For example, someone might choose universal life insurance to modify their coverage as their financial needs change without needing a new policy.
Protective is the leading provider of universal life insurance in Pembroke Pines, 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 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 life insurance without a medical exam requirement in Pembroke Pines. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance without a medical exam suits those who have health issues, need coverage quickly or prefer the convenience of skipping the process.
In Pembroke Pines, Protective is the top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects a balance of affordability, customer satisfaction and financial stability.
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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.
Protective offers the best term life insurance for seniors in Pembroke Pines, with a MoneyGeek score of 91 for both men and women. Male and female seniors pay average monthly premiums of $65 and $59, respectively.
Age affects life insurance premiums, with higher premiums for seniors due to increased health risk. Protective's top MoneyGeek score highlights its strong performance in affordability, customer satisfaction and financial stability, making it great for seniors seeking value and dependability.
| 1 | Protective | $65 | 91 |
| 2 | Mutual of Omaha | $70 | 91 |
| 3 | Nationwide | $66 | 90 |
| 4 | Allstate | $57 | 89 |
| 5 | AAA | $82 | 88 |
| 6 | Transamerica | $66 | 87 |
| 7 | Prudential | $86 | 85 |
| 8 | State Farm | $112 | 84 |
| 9 | Haven | $129 | 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.
Mutual of Omaha provides the best term life insurance for smokers in Pembroke Pines, with MoneyGeek scores of 91 for men and 90 for women. Monthly premiums average $43 for males and $38 for females.
Smoking impacts life insurance premiums due to the associated health risks. Insurers like Mutual of Omaha assess these risks, and its high MoneyGeek scores reflect a balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $43 | 91 |
| 2 | Nationwide | $49 | 89 |
| 3 | AAA | $46 | 89 |
| 4 | Transamerica | $38 | 88 |
| 5 | Protective | $62 | 88 |
| 6 | Prudential | $40 | 87 |
| 7 | State Farm | $58 | 86 |
| 8 | Allstate | $58 | 85 |
| 9 | Haven | $76 | 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 Pembroke Pines, with a MoneyGeek score of 92 for both males and females. Average monthly premiums are $9 for men and $8 for women.
Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.
| 1 | Protective | $9 | 92 |
| 2 | Mutual of Omaha | $11 | 91 |
| 3 | Nationwide | $11 | 90 |
| 4 | AAA | $12 | 89 |
| 5 | Allstate | $9 | 89 |
| 6 | Transamerica | $10 | 88 |
| 7 | State Farm | $19 | 86 |
| 8 | Haven | $14 | 86 |
| 9 | Prudential | $17 | 85 |
| 10 | Bestow | $29 | 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 Pembroke Pines, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $15 for males and $14 for females. Protective has the highest MoneyGeek score due to its affordability, customer satisfaction and financial stability.
Age, health, coverage amount and term length affect insurance premiums. To get the lowest premiums, maintain a healthy lifestyle, avoid tobacco and choose a lower coverage amount and a shorter term.
| 1 | Protective | $15 | 92 |
| 2 | Allstate | $14 | 91 |
| 3 | Nationwide | $17 | 91 |
| 4 | Mutual of Omaha | $17 | 90 |
| 5 | Transamerica | $16 | 90 |
| 6 | AAA | $19 | 88 |
| 7 | Haven | $24 | 83 |
| 8 | State Farm | $29 | 82 |
| 9 | Prudential | $26 | 82 |
The average monthly premiums for term life insurance in Pembroke Pines are $31 for men and $26 for women. Age, health and lifestyle impact these costs. Understanding these factors can help you make informed choices when buying life insurance.
Generally, younger and healthier individuals pay lower premiums, while smoking or engaging in risky activities can increase rates.
Location also plays a role. Local health statistics, crime rates and economic conditions can make life insurance in Pembroke Pines more or less expensive than in other parts of Florida.
Protective offers the best life insurance in Pembroke Pines for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Pembroke Pines is $33.
Protective has the best life insurance in Pembroke Pines for women, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Pembroke Pines is $27.
Life insurance in Pembroke Pines aligns closely with the broader Florida market. Protective is a leading provider in both regions, with competitive rates and high MoneyGeek scores. Coverage options and customer satisfaction are consistent across the state.
If a life insurance company goes bankrupt in Pembroke Pines, state guaranty associations typically cover claims up to certain limits, protecting policyholders from losing coverage.
Pembroke Pines residents might need life insurance to ensure financial security for their families and cover debts, funeral costs and living expenses. Life insurance also provides peace of mind, knowing loved ones are protected in case of untimely death.
Contact the insurance company directly to find a lost life insurance policy in Pembroke Pines. If unsuccessful, check with the Florida Department of Financial Services. Online databases like the National Association of Insurance Commissioners' Life Insurance Policy Locator can also help.
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.
