Best Life Insurance in Pembroke Pines, FL (September 2024)

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.

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:

• Protective: MoneyGeek score of 92 out of 100 at $33 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $40 per month

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $27 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $34 per month

Protective's high MoneyGeek scores and lower monthly premiums make it the best choice for life insurance.

Protective is the best term life insurance provider in Pembroke Pines, with a MoneyGeek score of 67 and an average monthly premium of $15 for men. For women, Protective also leads with a score of 66 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:

• Protective: MoneyGeek score of 67 out of 100 at $15 per month
• Mutual of Omaha: MoneyGeek score of 63 out of 100 at $17 per month

Top term life insurance companies for women:

• Protective: MoneyGeek score of 66 out of 100 at $14 per month
• Mutual of Omaha: MoneyGeek score of 63 out of 100 at $15 per month

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 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:

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

Top whole life companies for women:

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

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 best universal life insurance provider in Pembroke Pines, with a MoneyGeek score of 62 for both men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.

• Protective: MoneyGeek score of 62 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 61 out of 100 for men and women

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 offers the best life insurance without a medical exam requirement in Pembroke Pines. Its MoneyGeek score of 63 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.

• Protective: MoneyGeek score of 63 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 60 out of 100 for men and women

Life insurance without a medical exam suits those who have health issues, need coverage quickly or prefer the convenience of skipping the process.

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.

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.

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.

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.

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.