Updated: December 24, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Spring Hill, Florida, for both men and women. Its MoneyGeek score is 92 for both. The average monthly premium is $26 for men and $21 for women. The score and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding what type of life insurance to buy. 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 Spring Hill, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceSpring Hill, FLBest Life Insurance Companies in Spring Hill
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 Spring Hill, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 for both. The average monthly premiums are $26 for men and $21 for women, making Protective a top choice for those seeking reliable and affordable life insurance coverage.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and competitive monthly premiums, making it a strong option for the average individual looking to purchase life insurance in Spring Hill.
Protective is the premier choice for life insurance in Spring Hill, with a MoneyGeek score of 92 for men and women. The company offers monthly premiums of $26 for men and $21 for women. Protective's commitment to customer satisfaction and affordability is evident in its high scores, making it a top pick in the region.
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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 Spring Hill, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $12 and $10, respectively. The company's high score indicates excellent customer satisfaction, a straightforward buying process and financial stability, making it a top choice for the average individual 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 specified period, offering a death benefit to beneficiaries if the insured passes away during the term. It is often preferred for its affordability and simplicity. For example, a young family might choose term life insurance to ensure financial security during their children's formative years without the higher costs associated with whole life insurance.
Protective stands out for men and women seeking the best term life insurance in Spring Hill, with MoneyGeek scores of 92 and 91, respectively. The average monthly premium is an affordable $12 for men and $10 for women, reflecting the company's commitment to value for its customers.
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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 best whole life insurance provider in Spring Hill for men and women, with a MoneyGeek score of 92 for both genders. This high score reflects Protective's commitment to affordability, customer satisfaction and financial stability, making it a top choice for those seeking a reliable insurance policy. The average individual can benefit from Protective's whole life insurance, which offers lifelong coverage and financial security.
Top whole life companies for men in Spring Hill:
Top whole life companies for women in Spring Hill:
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire lifetime. Unlike term life insurance, which only covers a specific period, whole life insurance includes an investment component called the cash value, which grows over time. For example, someone might choose whole life insurance to ensure that their family is protected financially no matter when they pass away while also building cash value that can be borrowed against if needed.
In Spring Hill, Protective is the best whole life insurance provider for men and women, with a MoneyGeek score of 92 for each group. This company has demonstrated exceptional performance, meeting customers' needs with precision and stability. Those seeking reliable insurance coverage will find Protective to be a sound choice.
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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.
In Spring Hill, Protective offers the best universal life insurance for men and women, with a MoneyGeek score of 91 for each group. Protective excels in affordability, customer satisfaction, buying process, financial stability and product diversity. The company's high scores indicate a strong commitment to quality and value for customers seeking universal life insurance policies.
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 a suitable option for those who want long-term coverage with the potential for cash value growth. For example, a young professional might choose universal life insurance to secure a low-cost death benefit while investing in their policy's cash value for future financial needs.
Protective is the premier provider of universal life insurance in Spring Hill, with a MoneyGeek score of 91 for men and women. Protective stands out for its high-quality offerings and customer satisfaction.
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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 Spring Hill, Protective stands out with the best no-medical-exam life insurance for men and women, with a MoneyGeek score of 91 for both groups. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a strong choice for the average individual seeking life insurance without a medical exam.
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 coverage without needing a physical examination. It can be particularly beneficial for those who need quick coverage or have health issues that might otherwise lead to higher premiums or disqualification. For example, a person with a chronic illness might opt for life insurance without a mandatory medical exam to avoid the risk of being denied coverage or facing exorbitant rates.
In Spring Hill, Protective is the premier choice for life insurance without the hassle of a medical exam. It has a MoneyGeek score of 91 for men and women. The company's high score reflects its commitment to customer satisfaction and affordability. Choosing Protective means trusting a company that understands the importance of a seamless insurance experience.
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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.
In Spring Hill, Protective offers the best term life insurance for seniors, with a MoneyGeek score of 91 for men and women. Men can expect an average monthly premium of $51, while women are looking at approximately $44.
Age influences life insurance premiums, as insurers view older individuals as higher risk, leading to higher costs. Protective's top score reflects a strong combination of affordability, customer satisfaction and financial stability, which are crucial for seniors evaluating their insurance options.
| 1 | Protective | $51 | 91 |
| 2 | Mutual of Omaha | $55 | 91 |
| 3 | Nationwide | $52 | 90 |
| 4 | Allstate | $45 | 89 |
| 5 | AAA | $64 | 88 |
| 6 | Transamerica | $52 | 87 |
| 7 | Prudential | $67 | 85 |
| 8 | State Farm | $88 | 84 |
| 9 | Haven | $101 | 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 Spring Hill, Mutual of Omaha stands out for men and women. This company demonstrates its strength in the market with a MoneyGeek score of 91 for men and 91 for women. The average monthly premium is $33 for men and $29 for women.
Smoking influences life insurance premiums significantly, as insurers view smokers as higher risk due to potential health issues, leading to higher costs. Mutual of Omaha's top rank reflects its robust offerings and commitment to customer satisfaction, which is vital for those prioritizing reliable coverage.
| 1 | Mutual of Omaha | $33 | 91 |
| 2 | Nationwide | $38 | 89 |
| 3 | AAA | $36 | 89 |
| 4 | Transamerica | $29 | 88 |
| 5 | Protective | $49 | 88 |
| 6 | Prudential | $32 | 87 |
| 7 | State Farm | $45 | 86 |
| 8 | Allstate | $45 | 85 |
| 9 | Haven | $59 | 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.
For the best term life insurance for young adults in Spring Hill, Protective stands out with a MoneyGeek score of 92 for men and women. The average monthly premium for men is $7, while for women, it's $6.
Age plays a significant role in determining the cost of life insurance premiums. Younger adults typically enjoy lower rates due to their overall better health and lower risk profiles. Protective's high MoneyGeek score is due to its competitive affordability, strong customer satisfaction and robust financial stability. Protective offers a compelling combination of value and reliability for young adults in Spring Hill seeking the best term life insurance.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $8 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | AAA | $9 | 89 |
| 5 | Allstate | $7 | 89 |
| 6 | Transamerica | $8 | 88 |
| 7 | State Farm | $15 | 86 |
| 8 | Haven | $11 | 86 |
| 9 | Prudential | $13 | 85 |
| 10 | Bestow | $22 | 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.
In Spring Hill, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $12 and $10, respectively. Protective has the highest MoneyGeek score due to its strong customer satisfaction, affordability and financial stability. These characteristics make it a top choice for those seeking the best cheap term life insurance in Spring Hill.
Factors affecting life insurance premiums include age, health rating and term length. To get the lowest premiums, individuals should maintain excellent health, choose a suitable term length and compare quotes from different providers.
| 1 | Protective | $12 | 92 |
| 2 | Allstate | $11 | 91 |
| 3 | Nationwide | $14 | 91 |
| 4 | Mutual of Omaha | $13 | 90 |
| 5 | Transamerica | $12 | 90 |
| 6 | AAA | $15 | 88 |
| 7 | Haven | $19 | 83 |
| 8 | State Farm | $23 | 82 |
| 9 | Prudential | $20 | 82 |
The average monthly premium for term life insurance in Spring Hill is $19 for women and $24 for men.
Several factors influence the cost of life insurance premiums. These include age, health status, lifestyle choices and the amount of coverage needed. Insurers assess these factors to determine the risk level and set the premium accordingly.
The cost of life insurance in Spring Hill might differ from that of other parts of Florida for various reasons. Local demographics, economic conditions and health statistics can all impact insurance rates. For example, if Spring Hill has a higher average age or different health trends compared to the state average, this could affect the cost of premiums. Understanding these factors can help consumers make informed decisions when purchasing life insurance.
Protective offers the best life insurance for men in Spring Hill, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Spring Hill is $26. Protective provides this cost-effective coverage.
Protective is the best life insurance company for women in Spring Hill, with a MoneyGeek score of 92 out of 100.
The monthly premium for the best life insurance for women in Spring Hill is $21. Protective offers this affordable choice for women.
Life insurance in Spring Hill may have unique features compared to the rest of Florida. For example, Protective offers competitive rates and high MoneyGeek scores, which may not be as prevalent in other parts of Florida. Local market dynamics and demographics can influence these differences.
If a life insurance company goes bankrupt in Spring Hill, state guaranty associations step in to protect policyholders. These associations cover claims up to a certain limit, ensuring policyholders receive some benefits even if the insurer fails.
Spring Hill residents might need life insurance to provide financial security for their families. Life insurance can cover debts, funeral costs and living expenses, ensuring that loved ones are taken care of in the event of an untimely death.
To find a lost life insurance policy in Spring Hill, start by checking personal records and contacting the insurer directly. You can also use online search tools and contact the state's insurance department for assistance.
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.
