Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in St. Petersburg, Florida, for both men and women. Its MoneyGeek score for men and women is similar: 92 out of 100. The average monthly premium is $30 for men and $27 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 St. Petersburg, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceSt. PetersburgBest Life Insurance Companies in St. Petersburg
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 St. Petersburg, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 for both. The average monthly premiums are $30 for men and $27 for women.
Top providers for men:
Top providers for women:
Protective stands out for its high customer satisfaction, financial stability and affordable premiums. These features make it an excellent choice for individuals seeking reliable life insurance coverage in St. Petersburg.
In St. Petersburg, Protective is the premier choice for life insurance for both men and women. With a MoneyGeek score of 92 for both, Protective offers monthly premiums of $27 for women and $30 for men. This company provides competitive rates and ensures customer satisfaction and financial stability, making it a reliable option for life insurance seekers.
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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 leading provider for men and women seeking the best term life insurance in St. Petersburg. For men, it has a MoneyGeek score of 92 and an average monthly premium of $14. For women, its MoneyGeek score is 91, and the average monthly premium is $13. The company balances affordability, customer satisfaction and financial stability, making it a solid 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 is a straightforward policy that provides coverage for a specified term. It offers a death benefit if the insured passes away during the term. For example, a parent might purchase a 20-year term life insurance policy to ensure their child's education expenses are covered in the event of their untimely death. This type of insurance is often chosen for its simplicity and lower premiums than whole life insurance.
Protective is the best term life insurance provider for men and women in St. Petersburg, with MoneyGeek scores of 92 and 91, respectively. These scores reflect a balance between cost and quality coverage. The company offers an average monthly premium of $14 for men and $13 for women.
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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 provides the best whole life insurance in St. Petersburg, with a MoneyGeek score of 92 for both men and women. This score reflects a balance of affordability, customer satisfaction, financial stability and product diversity, which are critical factors for the average individual seeking reliable life insurance coverage.
Top whole life companies for men in St. Petersburg:
Top whole life companies for women in St. Petersburg:
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire life. Unlike term life insurance, which only covers a specific period, whole life insurance includes an investment component, allowing the policy's cash value to grow over time. For instance, an individual might opt for whole life insurance to ensure lifelong protection while building cash value that can be borrowed against if needed.
Protective is the best whole life insurance provider in St. Petersburg, with a MoneyGeek score of 92 for both men and women. This score reflects the company's commitment to customer satisfaction and financial stability, promising a reliable insurance experience.
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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 St. Petersburg for men and women, with a MoneyGeek score of 91 for both. This score reflects Protective's top performance in affordability, customer satisfaction, buying process, financial stability and product diversity, making it an ideal choice for those seeking reliable coverage.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible policy that combines life coverage with an investment savings element. It allows policyholders to adjust their premiums and death benefits. For instance, someone might choose universal life insurance for its potential cash value growth, which can be used as a financial resource during their lifetime.
Protective is the premier choice for universal life insurance in St. Petersburg, catering to both men and women with equal excellence. With a MoneyGeek score of 91 for both genders, Protective stands out for its 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 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 with no mandatory medical exam in St. Petersburg, with a MoneyGeek score of 91 for both men and women. This high score indicates that Protective offers reliable and customer-friendly service that meets the needs of the average individual looking for quick and hassle-free life insurance coverage.
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 is suited for those who want to avoid the time-consuming health assessments typically needed for traditional policies. For example, those with busy schedules or a dislike of medical exams may prefer this insurance type.
In St. Petersburg, Protective is the premier choice for men and women seeking life insurance without the hassle of a medical exam. Its MoneyGeek score of 91 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.
In St. Petersburg, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for both men and women. The average monthly premium for men is $59; for women, it's $57.
Age significantly influences premium costs, with older individuals typically facing higher rates due to increased risk. Protective's top score reflects its commitment to excellence across multiple aspects, including customer satisfaction, affordability and financial stability. Seniors in St. Petersburg can consider Protective for reliable coverage that aligns with their needs.
| 1 | Protective | $59 | 91 |
| 2 | Mutual of Omaha | $63 | 91 |
| 3 | Nationwide | $60 | 90 |
| 4 | Allstate | $52 | 89 |
| 5 | AAA | $74 | 88 |
| 6 | Transamerica | $60 | 87 |
| 7 | Prudential | $78 | 85 |
| 8 | State Farm | $101 | 84 |
| 9 | Haven | $117 | 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 offers the best term life insurance for smokers in St. Petersburg. It has a MoneyGeek score of 91 for men and 90 for women; its average monthly premiums are $39 and $37, respectively.
Smoking impacts life insurance premiums as insurers weigh the increased health risks associated with tobacco use. Mutual of Omaha's high MoneyGeek score reflects a balance of cost and quality, indicating strong customer satisfaction, financial stability and product diversity. These qualities make it a compelling choice for smokers prioritizing comprehensive value in their life insurance selection.
| 1 | Mutual of Omaha | $39 | 91 |
| 2 | Nationwide | $44 | 89 |
| 3 | AAA | $42 | 89 |
| 4 | Transamerica | $34 | 88 |
| 5 | Protective | $56 | 88 |
| 6 | Prudential | $37 | 87 |
| 7 | State Farm | $52 | 86 |
| 8 | Allstate | $52 | 85 |
| 9 | Haven | $69 | 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 St. Petersburg, with a MoneyGeek score of 92 and an average monthly premium of $8 for both men and women. Protective's high score is attributed to its excellent affordability, customer satisfaction and financial stability.
Age significantly impacts life insurance premiums, with younger adults generally paying less. Choosing the best term life insurance for young adults is crucial, as it ensures financial security at a reasonable cost.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | AAA | $11 | 89 |
| 5 | Allstate | $8 | 89 |
| 6 | Transamerica | $9 | 88 |
| 7 | State Farm | $17 | 86 |
| 8 | Haven | $12 | 86 |
| 9 | Prudential | $16 | 85 |
| 10 | Bestow | $26 | 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 is the leading provider of the best cheap term life insurance in St. Petersburg, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $14 and $13, respectively. Protective's high rank demonstrates its customer satisfaction and financial stability.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $14 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Mutual of Omaha | $15 | 90 |
| 5 | Transamerica | $14 | 90 |
| 6 | AAA | $17 | 88 |
| 7 | Haven | $22 | 83 |
| 8 | State Farm | $26 | 82 |
| 9 | Prudential | $23 | 82 |
The average monthly cost of term life insurance in St. Petersburg, Florida, is $25 for women and $28 for men.
Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation and the terms of the policy. Younger individuals typically pay lower premiums, while those with certain health conditions or risky occupations may face higher costs.
The cost of life insurance in St. Petersburg may be higher or lower than the rest of Florida for several reasons. Local health statistics, economic conditions and risk factors can all play a role. Additionally, the level of competition among insurers in the area can impact premium costs. Understanding these factors can help you make informed decisions when purchasing life insurance.
Protective has the best life insurance for men in St. Petersburg. With the highest MoneyGeek score of 92 out of 100, it is the top choice for male policyholders.
Protective offers the best life insurance for men in St. Petersburg at an average monthly cost of $30. This rate makes life insurance affordable for male policyholders.
Protective has the best life insurance for women in St. Petersburg. With the highest MoneyGeek score of 92 out of 100, it is the top choice for female policyholders.
Protective offers the best life insurance for women in St. Petersburg at an average monthly premium of $27. This rate makes life insurance affordable for female policyholders.
Life insurance in St. Petersburg is similar to the rest of Florida. Protective offers competitive rates and has high MoneyGeek scores statewide. Policyholders in St. Petersburg enjoy the same benefits and protections as those in other Florida cities.
If a life insurance company goes bankrupt in St. Petersburg, guaranty associations in Florida protect policyholders. These associations ensure that coverage continues, up to certain limits, providing financial security even if the insurer fails.
St. Petersburg residents need life insurance for financial security and peace of mind. It helps cover final expenses, provides for dependents and ensures that loved ones are financially protected in case of unexpected events.
To find a lost life insurance policy in St. Petersburg, check personal records and contact the insurance company directly. You can also search online databases and consult with the Florida Department of Financial Services 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.
