Best Life Insurance in Orlando, FL (August 2024)

Protective is the best life insurance company for both men and women in Orlando, Florida. It has a MoneyGeek score of 92 for both genders. The monthly premium for men is $28, while for women, it is $22. The score and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding on life insurance. Your unique needs may mean a different company is best for you.

In Orlando, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $28 for men and $22 for women.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $28 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $34 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $22 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $28 per month for women

Protective's high score reflects its balance of affordability, customer satisfaction and financial stability. This makes it a suitable option for the average individual looking to purchase life insurance in Orlando.

Protective provides the best term life insurance in Orlando, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premium is $13 and $11, respectively. The company's high scores reflect its commitment to customer satisfaction and financial stability, making it an excellent choice for individuals looking for reliable term life insurance coverage.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $15 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 91 out of 100 at $11 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $12 per month for women

Term life insurance offers a death benefit over a set period, making it a straightforward option for those who want to ensure financial security for their beneficiaries without a lifelong commitment. For instance, a parent might choose term life insurance to cover the years until their children are financially independent.

Protective is the best whole life insurance provider in Orlando for men and women, with a MoneyGeek score of 92 for both. With high marks in affordability, customer satisfaction and financial stability, Protective ensures policyholders receive quality service and value for their investment.

Top whole life companies for men in Orlando:

• Protective: MoneyGeek score of 92 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Orlando:

• Protective: MoneyGeek score of 92 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance offers a permanent solution for those seeking lifelong coverage with a fixed premium. For instance, a parent might choose whole life insurance to ensure their child's financial stability regardless of when they pass away.

Protective is the best universal life insurance provider in Orlando for men and women, with a MoneyGeek score of 91 for both genders. This score indicates that the company excels in affordability, customer satisfaction, buying process, financial stability and product diversity. The average individual seeking a reliable universal life insurance policy would benefit from considering Protective, as it offers a strong combination of value and service quality.

Best universal life insurance for men:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best for women's universal life insurance:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance is a flexible policy that combines life insurance with an investment savings element. For instance, someone might choose universal life insurance over term life insurance to benefit from the potential to accumulate cash value that can grow tax-deferred, which can be a desirable feature for long-term financial planning.

In Orlando, Protective provides the best life insurance with no mandatory medical exam. It has a MoneyGeek score of 91 for both men and women. For the average individual in Orlando, choosing Protective means relying on a provider that tops the charts in customer satisfaction, is financially stable and has diverse product offerings. These features make Protective a solid choice for those seeking dependable coverage without the hassle of a medical exam.

Best no-medical-exam life insurance for men:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Life insurance that doesn't require a medical exam grants coverage without the need for a medical check-up. It can be particularly advantageous for those requiring insurance swiftly or with health conditions that might otherwise complicate the process.

Protective stands out for seniors in Orlando seeking the best term life insurance. It has a MoneyGeek score of 91 for both men and women. Men can expect an average monthly premium of $56, while women are quoted around $48 per month.

Age significantly influences life insurance premiums as it correlates with the insurer's risk level; older individuals often face higher rates due to increased health risks. Protective achieves its high MoneyGeek score through a combination of affordability, customer satisfaction, an efficient buying process, financial stability and product diversity. This score is a solid indicator for seniors who prioritize a balance of cost and quality in their insurance provider. When selecting the best term life insurance for seniors, consider factors such as coverage needs, financial goals and overall health.

Mutual of Omaha stands out for those seeking the best term life insurance for smokers in Orlando. For men, it has a MoneyGeek score of 91 and an average monthly premium of $37. For women, it has a score of 90 and a monthly premium of around $31. This provider demonstrates a strong balance of affordability, customer satisfaction and financial stability.

Smokers face higher insurance premiums due to the increased risk of health issues associated with tobacco use. This makes finding a reliable insurer like Mutual of Omaha, which offers competitive rates and has a high MoneyGeek score, especially important. Its score reflects a commitment to meeting the needs of smokers looking for term life coverage that accommodates the financial implications of their lifestyle.

In Orlando, Protective provides the best term life insurance for young adults. It earns a MoneyGeek score of 92 for both men and women and offers average monthly premiums of $8 for men and $7 for women. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.

Protective offers the best cheap term life insurance in Orlando for both men and women. It stands out as the top choice, with a MoneyGeek score of 92 and a monthly premium of $13 for men; for women, it has a score of 91 and an average monthly premium of $11. Protective's high scores are due to its affordability, customer satisfaction and financial stability, which ensure you get great value and financial protection.

Age, health and coverage amount are factors affecting life insurance premiums. To get the lowest premiums, maintain good health, avoid tobacco and choose a term length that fits your needs.

The average monthly premium for term life insurance in Orlando is $21 for women and $26 for men.

Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation and the amount of coverage. Insurers assess these factors to determine the risk associated with each policyholder.

For various reasons, life insurance costs in Orlando might be higher or lower than in the rest of Florida. Local health care costs, economic conditions and demographic trends can all play a role. For instance, areas with higher health care costs might see higher insurance premiums. Additionally, regions with younger populations might have lower premiums, as younger individuals often pose less risk to insurers.

Understanding these factors can help you make informed decisions about your life insurance needs.