Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Tampa, Florida, for both men and women. The MoneyGeek score for men is 92, with a monthly average premium cost of $31. For women, the MoneyGeek score is also 92, with a monthly average premium cost of $25.
These scores and premium costs are based on a 20-year term policy with $500,000 coverage. When deciding on life insurance, consider different factors to find the best fit for your unique needs.
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 Tampa, Florida.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceTampa, FLBest Life Insurance Companies in Tampa
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 Tampa, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $31 for men and $25 for women.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and affordable monthly premiums, making it a strong choice for the average individual seeking life insurance in Tampa.
Protective is the leading life insurance provider in Tampa for both men and women, boasting a MoneyGeek score of 92. The company offers competitive monthly premiums, with men paying $31 and women paying $25. Protective's commitment to customer satisfaction and financial stability makes it a reliable choice 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.
For those seeking the best term life insurance in Tampa, Protective emerges as the top choice for both men and women, with a MoneyGeek score of 92 for men and an average monthly premium of $14, and a score of 91 for women and an average monthly premium of $12. This high score reflects the company's commitment to affordability, customer satisfaction and financial stability. Here are the top performers:
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers a straightforward protection plan over a set period, ideal for those with specific financial obligations, such as a mortgage or education costs.
Protective is the premier choice for term life insurance in Tampa for both men and women, with a MoneyGeek score of 92 for men and 91 for women. Protective's commitment to customer satisfaction and financial stability makes it a reliable partner in life insurance. However, potential clients should be aware of the buying process which may not meet everyone's expectations.
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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 Tampa, boasting a MoneyGeek score of 92 for both men and women. This score indicates a high level of customer satisfaction and financial stability, making Protective a reliable choice for individuals seeking a comprehensive insurance policy that offers lifetime coverage and a savings component.
Top whole life companies for men in Tampa:
Top whole life companies for women in Tampa:
Whole life insurance is a type of permanent life insurance that remains in effect for the insured's entire life as long as premiums are paid. It can be an attractive option for those who want to ensure their insurance coverage does not expire before they pass away.
Protective has the highest MoneyGeek score of 92 for both men and women for whole life isurance. This score reflects a balanced blend of affordability, customer satisfaction and financial stability, making Protective a top-notch option for those prioritizing comprehensive coverage and peace of mind.
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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.
The Protective company emerges as the best universal life insurance provider in Tampa, with a MoneyGeek score of 91 for both men and women. The average person in Tampa looking for universal life insurance would benefit from Protective's high scores across multiple categories.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible type of policy that combines life coverage with an investment savings element. For instance, someone might opt for best universal life insurance over term life insurance for the potential to accumulate cash value that can be borrowed against in the future, while still providing a death benefit.
Protective stands out as the premier choice for the best universal life insurance in Tampa, catering to both men and women. With a MoneyGeek score of 91 for each gender, Protective ensures comprehensive coverage and satisfaction. Consumers can trust in Protective's ability to meet their insurance needs with confidence and ease.
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Complex buying process
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.
The Protective company stands out as the best life insurance provider without a mandatory medical exam in Tampa for both men and women, with a MoneyGeek score of 91. Protective's score reflects its strong performance across various factors, including customer satisfaction and financial stability.
Best no-medical-exam life insurance for men:
Best life insurance for women that do not require a medical exam:
Life insurance without a medical exam. allows individuals to obtain life insurance more quickly and with less hassle than traditional policies that require a medical exam. For example, someone with a busy schedule or a dislike of medical exams might prefer this type of insurance.
In Tampa, Protective stands out as the premier choice for no-medical-exam life insurance for both men and women, boasting MoneyGeek scores of 91 for each. This reflects a strong balance of affordability, customer satisfaction and financial stability, making it a reliable option for those seeking coverage without the need for a 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.
In Tampa, Protective stands out as the provider of the best term life insurance for seniors, with a MoneyGeek score of 91 for both men and women. The monthly premiums are approximately $60 for men and $54 for women. Age is a pivotal factor in life insurance premiums, with costs typically rising as policyholders age.
Protective's high MoneyGeek score reflects its superior performance in affordability, customer satisfaction, buying process, financial stability and product diversity
| 1 | Protective | $60 | 91 |
| 2 | Mutual of Omaha | $65 | 91 |
| 3 | Nationwide | $62 | 90 |
| 4 | Allstate | $53 | 89 |
| 5 | AAA | $77 | 88 |
| 6 | Transamerica | $61 | 87 |
| 7 | Prudential | $80 | 85 |
| 8 | State Farm | $104 | 84 |
| 9 | Haven | $120 | 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 smokers in Tampa seeking term life insurance, Mutual of Omaha stands out for both men and women. Men receive a MoneyGeek score of 91 and an average monthly premium of $40, while women benefit from a score of 90 and a monthly premium of $35.
Mutual of Omaha's high MoneyGeek score reflects a balance of customer satisfaction, affordability, and financial stability, making it the best term life insurance for smokers in the region.
| 1 | Mutual of Omaha | $40 | 91 |
| 2 | Nationwide | $46 | 89 |
| 3 | AAA | $43 | 89 |
| 4 | Transamerica | $35 | 88 |
| 5 | Protective | $58 | 88 |
| 6 | Prudential | $38 | 87 |
| 7 | State Farm | $54 | 86 |
| 8 | Allstate | $54 | 85 |
| 9 | Haven | $71 | 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 term life insurance for young adults in Tampa, Protective is the best with a MoneyGeek score of 92 and an average monthly premium of $8 for women and $9 for men. Age significantly impacts life insurance premiums, with younger individuals generally benefiting from lower rates.
Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability. This makes it an excellent choice for young adults seeking the best term life insurance for young adults in Tampa.
| 1 | Protective | $9 | 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 | $13 | 86 |
| 9 | Prudential | $16 | 85 |
| 10 | Bestow | $27 | 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.
For those in Tampa seeking the best cheap term life insurance, Protective stands out with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $14 for men and $12 for women. Several factors influence the cost of life insurance premiums, including age, health, coverage amount and term length.
To secure the lowest premiums, maintain a healthy lifestyle, choose an appropriate coverage amount, and consider a term length that meets your needs. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
| 1 | Protective | $14 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Mutual of Omaha | $16 | 90 |
| 5 | Transamerica | $15 | 90 |
| 6 | AAA | $18 | 88 |
| 7 | Haven | $22 | 83 |
| 8 | State Farm | $27 | 82 |
| 9 | Prudential | $24 | 82 |
The average monthly premium for term life insurance in San Antonio, Texas, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in San Antonio might be higher or lower compared to other parts of Texas due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if San Antonio has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective offers the best life insurance in Tampa for men. The company scores high in affordability, customer satisfaction, and financial stability. Its overall MoneyGeek score is 92 out of 100.
The monthly premium cost for the best life insurance for men in Tampa is $31. Protective provides this rate for men aged 31 to 40 with excellent health and no tobacco use.
Protective offers the best life insurance in Tampa for women. The company excels in affordability, customer satisfaction and financial stability. Its overall MoneyGeek score is 92 out of 100.
The monthly premium cost for the best life insurance for women in Tampa is $25. Protective provides this rate for women aged 31 to 40 with excellent health and no tobacco use.
Life insurance in Tampa may differ in terms of premium costs and coverage options compared to the rest of Florida. For example, Tampa may have different rates due to regional health statistics or economic factors.
If a life insurance company goes bankrupt in Tampa, state guaranty associations protect policyholders. These associations ensure that claims are paid and policies remain in force. Policyholders should contact the Florida Life & Health Insurance Guaranty Association for assistance.
Tampa residents need life insurance for financial security. It provides for dependents in case of the policyholder's death. Life insurance can cover funeral costs, debts and living expenses. It's a safety net for families and ensures financial stability.
To find a lost life insurance policy in Tampa, check with the Florida Department of Financial Services. Use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator. Contacting past employers and financial advisors can also help locate missing 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.
