Best Life Insurance in Florida (May 2024)


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ByMark Fitzpatrick
Edited byJlyne Ubina
ByMark Fitzpatrick
Edited byJlyne Ubina

Updated: June 13, 2024

Advertising & Editorial Disclosure

For men, the leading life insurance provider is Nationwide, with a MoneyGeek score of 97 and a monthly premium of $19. Similarly, Nationwide tops the chart for women, with a MoneyGeek score of 96 and a monthly premium of $19.

Choosing the right life insurance involves considering various factors, such as premiums, coverage and the insurer's financial stability.

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 Florida.

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Coverage costs and company information for life insurance providers were updated in May 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes

Best Life Insurance in Florida: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
NationwideRank1MoneyGeek Score97
GEICORank2MoneyGeek Score97
ProtectiveRank3MoneyGeek Score95
Mutual of OmahaRank4MoneyGeek Score94
State FarmRank5MoneyGeek Score94

Overall Best Life Insurance in Florida

How was this MoneyGeek score calculated?

Nationwide stands out as the top provider of life insurance in Florida, earning the highest MoneyGeek scores for both men and women. Nationwide has a MoneyGeek score of 97 for men and 96 for women, with an affordable monthly premium of $19 for both genders.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($19 per month for men and women)
  • GEICO: MoneyGeek score of 97 out of 100 ($15 per month for men and women)
  • Protective: MoneyGeek score of 95 out of 100 ($16 per month for men and $14 for women)

As you look to secure your financial future, these insurers offer a blend of stability, affordability and customer satisfaction.

Overall Best for Men: Nationwide

COMPANY HIGHLIGHTS

Nationwide emerges as the ultimate choice for the best life insurance in Florida for men, earning an outstanding MoneyGeek score of 97 and a monthly premium of $19.

Pros:

  • High customer satisfaction
  • Competitive pricing models
  • Variety of life insurance products

Overall Best for Women: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands out as the top choice for life insurance in Florida for women, with a MoneyGeek score of 96 and an affordable monthly premium of $19.

Pros:

  • High customer satisfaction
  • Offers a variety of insurance products
  • Simplified and efficient buying process

Best Term Life Insurance in Florida

How was this MoneyGeek score calculated?

Nationwide has emerged as the company with the best term life insurance in Florida for both men and women, showcasing a commendable MoneyGeek score of 97 for women and men, alongside reasonable monthly premiums of $13 for women and $15 for men.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($15 per month for men and $13 for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($11 per month for men and women)
  • Mutual of Omaha: MoneyGeek score of 96 out of 100 ($14 per month for men and $13 for women)

Best Term Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide, a reputable insurer, is an outstanding choice for the best term life insurance in Florida for men and women due to its impressive MoneyGeek score of 97. With a monthly premium of approximately $15 for men and $13 for women, Nationwide demonstrates a balance of affordability and comprehensive coverage options.

Pros:

  • High customer satisfaction with stellar service
  • Competitive affordability with favorable premiums
  • Diverse product offerings

Best Whole Life Insurance in Florida

How was this MoneyGeek score calculated?

State Farm is the company with the best whole life insurance in Florida for both men and women, achieving a MoneyGeek score of 99.

The top three highest MoneyGeek scores are:

  • State Farm: MoneyGeek score of 99 out of 100
  • Nationwide: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 96 out of 100

Best Whole Life: State Farm

COMPANY HIGHLIGHTS

State Farm stands out as the premier choice for the best whole life insurance in Florida, catering to both men and women. It earned an impressive overall MoneyGeek score of 99.

Pros:

  • High customer satisfaction
  • Diverse product offerings
  • Streamlined buying process
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Best Universal Life Insurance in Florida

How was this MoneyGeek score calculated?

Nationwide stands out as the premier provider of the best universal life insurance in Florida, offering top-tier policies for both men and women. Nationwide's MoneyGeek score impresses with a remarkable 99 out of 100 for both genders.

The top three highest MoneyGeek scores are:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best Universal Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands out as the preeminent provider of universal life insurance in Florida for both men and women, earning the highest MoneyGeek score of 99.

Pros:

  • High satisfaction with customer service
  • Favorable ratings in affordability
  • Diverse range of insurance products

Best No-Medical-Exam Life Insurance in Florida

How was this MoneyGeek score calculated?

Nationwide is the provider with the highest MoneyGeek score for the best no-medical-exam life insurance in Florida for both men and women, earning a MoneyGeek score of 99.

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 99 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

When planning for your future, consider securing a policy that meets your needs.

Best for No-Medical-Exam: Nationwide

COMPANY HIGHLIGHTS

With an impressive MoneyGeek score of 99, Nationwide emerges as the top contender for the best no-medical-exam life insurance in Florida, catering to both men and women.

Pros:

  • High satisfaction with customer service
  • Competitive pricing options
  • Diverse range of products available
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Best Term Life Insurance for Seniors in Florida

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for seniors in Florida, with the top MoneyGeek scores for both men and women. Nationwide's score is 98 for men and 97 for women. The monthly premium cost is $55 for men and $51 for women.

Nationwide's blend of affordability, policy diversity, ease of the process and financial stability make it a reliable choice for term life insurance for seniors in Florida.

Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$55MoneyGeek Score98
GEICORank2Monthly Premium$49MoneyGeek Score96
Mutual of OmahaRank3Monthly Premium$58MoneyGeek Score96
ProtectiveRank4Monthly Premium$54MoneyGeek Score95
AllstateRank5Monthly Premium$48MoneyGeek Score94

Best Term Life Insurance for Smokers in Florida

How was this MoneyGeek score calculated?

GEICO stands out as the best term life insurance for smokers in Florida, earning the highest MoneyGeek score of 96 for men and 94 for women. For both male and female smokers, the monthly premium is estimated at $32.

For those seeking the best term life insurance for smokers, GEICO's top placement is notably due to its high satisfaction and stability scores.

Data filtered by:Results filtered by:
Sex:
Sex:M
GEICORank1Monthly Premium$32MoneyGeek Score96
NationwideRank2Monthly Premium$41MoneyGeek Score96
Mutual of OmahaRank3Monthly Premium$36MoneyGeek Score96
State FarmRank4Monthly Premium$48MoneyGeek Score95
PrudentialRank4Monthly Premium$34MoneyGeek Score95

Best Term Life Insurance for Young Adults in Florida

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for young adults in Florida, with a MoneyGeek score of 98 for men and women and a monthly premium cost of $9 for both genders.

This company stands out due to its high satisfaction and stability scores.

Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$9MoneyGeek Score98
GEICORank2Monthly Premium$7MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$9MoneyGeek Score96
ProtectiveRank4Monthly Premium$8MoneyGeek Score95
State FarmRank5Monthly Premium$16MoneyGeek Score95

Best Cheap Term Life Insurance in Florida

How was this MoneyGeek score calculated?

Allstate stands out as the best cheap term life insurance company for women in Florida, with a MoneyGeek score of 97 and a monthly premium of $10, while GEICO earns the top spot for men, with a score of 97 and a monthly premium of $11.

Both companies demonstrate a strong balance of cost-effectiveness and customer service excellence, which are among the biggest contributors to their outstanding MoneyGeek scores.

Data filtered by:Results filtered by:
Gender:
Gender:M
GEICOMonthly Premium$11MoneyGeek Score97
NationwideMonthly Premium$15MoneyGeek Score96
AllstateMonthly Premium$12MoneyGeek Score96
Mutual of OmahaMonthly Premium$14MoneyGeek Score95
ProtectiveMonthly Premium$12MoneyGeek Score95

Average Cost of Term Life Insurance in Florida

The average cost of monthly premiums for life insurance in Florida is $42 for women and $50 for men. Factors impacting these costs include smoking status, medical history and occupational hazards.

Differences in life expectancy and health statistics between genders can influence pricing. Understanding these variables is important when considering the average cost of life insurance.

FAQ: Life Insurance in Florida

What is the best life insurance in Florida for men?
How much is life insurance in Florida for men?
What is the best life insurance in Florida for women?
How much is life insurance in Florida for women?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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