Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company for men and women in Port St. Lucie, Florida. The MoneyGeek score is 92 for each, with average monthly premiums of $29 for men and $22 for women. These figures are for a 20-year term policy with $500,000 in coverage.
Your needs may differ, so another company might be a better fit. When choosing life insurance, consider your age, health and financial goals.
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 Port St. Lucie, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsurancePort St. LucieBest Life Insurance Companies in Port St. Lucie
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 for men and women in Port St. Lucie, with a MoneyGeek score of 92 and average monthly premiums of $29 for men and $22 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high MoneyGeek score and affordable premiums, making it a reliable choice for the average individual seeking life insurance in Port St. Lucie.
In Port St. Lucie, Protective is the top life insurance provider for men and women, earning a MoneyGeek score of 92 for each. Men pay $29 a month, and women pay $22. Protective’s high customer satisfaction and affordability ratings make it a leading choice for life insurance.
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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 offers the best term life insurance in Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. Average monthly premiums are $13 for men and $11 for women. Its affordability and service quality make it a top choice for reliable coverage without a heavy financial burden.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides a death benefit during a specified term, providing financial protection without the long-term commitment of permanent life insurance. For example, a parent might choose term life insurance to ensure their child's education is covered if they pass away unexpectedly.
Protective is the top choice for term life insurance in Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. With average monthly premiums of $13 for men and $11 for women, it offers an outstanding balance of value and reliability.
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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.
Protective is the top whole life insurance provider in Port St. Lucie, with a MoneyGeek score of 92 for both men and women. The company's focus on affordability, customer satisfaction and financial stability makes it a solid choice for those seeking reliable coverage.
Whole life insurance offers permanent coverage with a cash value that grows over time. Many choose it for the lifelong security and the potential to build savings.
Protective is the top choice for whole life insurance in Port St. Lucie, achieving an impressive MoneyGeek score of 92 for both men and women. Customers can rely on Protective's strong performance across key areas.
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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 offers the best universal life insurance in Port St. Lucie for both men and women, with a MoneyGeek score of 91.
Universal life insurance is a type of permanent life insurance with a cash value component that can grow over time. It offers flexibility in premium payments and death benefits. For example, someone might choose universal life insurance over term insurance for the potential to build cash value while maintaining lifelong coverage.
Protective is the top universal life insurance provider in Port St. Lucie for both men and women. Its MoneyGeek score of 91 reflects Protective's excellence in 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 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.
In Port St. Lucie, Protective offers the best life insurance without needing a medical exam, with a MoneyGeek score of 91 for both men and women.
Life insurance without a medical exam provides a fast and easy way to get coverage without a health assessment, suitable for those with busy schedules or fear of medical procedures.
Protective is the top life insurance option in Port St. Lucie, with the highest MoneyGeek score of 91 for both men and women. It performs strongly across various categories, making it a reliable choice for coverage without a required 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.
Protective offers the best term life insurance for seniors in Port St. Lucie, with a MoneyGeek score of 91 for men and women. Men pay an average of $57 per month for car insurance, while women spend about $48.
Age affects insurance premiums. Seniors face higher health risks, which typically results in higher costs. Protective’s high score reflects its strong customer satisfaction, financial stability and competitive rates, making it a reliable option for seniors.
| 1 | Protective | $57 | 91 |
| 2 | Mutual of Omaha | $61 | 91 |
| 3 | Nationwide | $58 | 90 |
| 4 | Allstate | $50 | 89 |
| 5 | AAA | $72 | 88 |
| 6 | Transamerica | $57 | 87 |
| 7 | Prudential | $75 | 85 |
| 8 | State Farm | $98 | 84 |
| 9 | Haven | $112 | 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 Port St. Lucie, with MoneyGeek scores of 91 for men and 90 for women. Average monthly premiums are $37 for men and $31 for women.
Smoking affects life insurance premiums due to health risks. Mutual of Omaha’s high score reflects its strong balance of affordability, customer satisfaction, financial stability and product variety, making it a top choice for smokers seeking reliable coverage.
| 1 | Mutual of Omaha | $37 | 91 |
| 2 | Nationwide | $43 | 89 |
| 3 | AAA | $40 | 89 |
| 4 | Transamerica | $33 | 88 |
| 5 | Protective | $54 | 88 |
| 6 | Prudential | $35 | 87 |
| 7 | State Farm | $50 | 86 |
| 8 | Allstate | $50 | 85 |
| 9 | Haven | $66 | 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 Port St. Lucie, with a MoneyGeek score of 92. Average monthly premiums are $8 for men and $7 for women.
Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it an excellent choice for young adults seeking reliable term life insurance.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | AAA | $10 | 89 |
| 5 | Allstate | $8 | 89 |
| 6 | Transamerica | $8 | 88 |
| 7 | State Farm | $16 | 86 |
| 8 | Haven | $12 | 86 |
| 9 | Prudential | $15 | 85 |
| 10 | Bestow | $25 | 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 Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. On average, monthly premiums are $13 for men and $11 for women.
Age, health, coverage amount and term length affect insurance premiums. To secure the lowest rates, maintain a healthy lifestyle, avoid tobacco and choose an appropriate term length.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $15 | 91 |
| 4 | Mutual of Omaha | $15 | 90 |
| 5 | Transamerica | $14 | 90 |
| 6 | AAA | $17 | 88 |
| 7 | Haven | $21 | 83 |
| 8 | State Farm | $25 | 82 |
| 9 | Prudential | $22 | 82 |
Average monthly premiums for term life insurance in Port St. Lucie are $27 for men and $21 for women.
Factors affecting life insurance premiums include age, health, lifestyle, policy term and coverage amount. Local health statistics, risk factors and economic conditions can also influence premiums, making costs in Port St. Lucie potentially higher or lower than in other parts of Florida. Understanding these factors helps consumers make informed decisions about their life insurance needs.
Protective has the best life insurance in Port St. Lucie for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium cost for the best life insurance for men in Port St. Lucie is $29.
Protective has the best life insurance in Port St. Lucie for women, with a MoneyGeek score of 92 out of 100.
The average monthly premium cost for the best life insurance for women in Port St. Lucie is $22.
Life insurance in Port St. Lucie is similar to the rest of Florida in terms of available companies and products. However, local factors such as health statistics and economic conditions can affect premiums and coverage options.
If a life insurance company goes bankrupt in Port St. Lucie, state guaranty associations typically cover claims up to certain limits, protecting policyholders from losing coverage.
Port St. Lucie residents may need life insurance to secure their families' finances, cover debts or fund future expenses like education. It’s a key element of a comprehensive financial plan.
To find a lost life insurance policy in Port St. Lucie, check personal records and contact the deceased's financial advisors. You can also contact Florida's insurance department or use online tools to search for unclaimed policies.
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.
