Best Life Insurance in Port St. Lucie, FL (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company for men and women in Port St. Lucie, Florida. The MoneyGeek score is 92 for each, with average monthly premiums of $29 for men and $22 for women. These figures are for a 20-year term policy with $500,000 in coverage.

Your needs may differ, so another company might be a better fit. When choosing life insurance, consider your age, health and financial goals.

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 Port St. Lucie, Florida.

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

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsurancePort St. Lucie
2024

Best Life Insurance Companies in Port St. Lucie

Overall Best Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best life insurance for men and women in Port St. Lucie, with a MoneyGeek score of 92 and average monthly premiums of $29 for men and $22 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $35 per month

Top providers for women:

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

Protective stands out due to its high MoneyGeek score and affordable premiums, making it a reliable choice for the average individual seeking life insurance in Port St. Lucie.

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MoneyGeek Top Pick
Protective

In Port St. Lucie, Protective is the top life insurance provider for men and women, earning a MoneyGeek score of 92 for each. Men pay $29 a month, and women pay $22. Protective’s high customer satisfaction and affordability ratings make it a leading choice for life insurance.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Financially stable

Cons:

  • Buying process could improve

Best Term Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best term life insurance in Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. Average monthly premiums are $13 for men and $11 for women. Its affordability and service quality make it a top choice for reliable coverage without a heavy financial burden.

Top term life insurance companies for men:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month
  • Allstate: MoneyGeek score of 91 out of 100 at $13 per month

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 91 out of 100 at $11 per month
  • Allstate: MoneyGeek score of 91 out of 100 at $10 per month

Term life insurance provides a death benefit during a specified term, providing financial protection without the long-term commitment of permanent life insurance. For example, a parent might choose term life insurance to ensure their child's education is covered if they pass away unexpectedly.

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MoneyGeek Top Pick
Protective

Protective is the top choice for term life insurance in Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. With average monthly premiums of $13 for men and $11 for women, it offers an outstanding balance of value and reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective is the top whole life insurance provider in Port St. Lucie, with a MoneyGeek score of 92 for both men and women. The company's focus on affordability, customer satisfaction and financial stability makes it a solid choice for those seeking reliable coverage.

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

Whole life insurance offers permanent coverage with a cash value that grows over time. Many choose it for the lifelong security and the potential to build savings.

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MoneyGeek Top Pick
Protective

Protective is the top choice for whole life insurance in Port St. Lucie, achieving an impressive MoneyGeek score of 92 for both men and women. Customers can rely on Protective's strong performance across key areas.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Affordable premiums

Cons:

  • Limited product options
  • Below-average buying experience

Compare Life Insurance Rates

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.

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Best Universal Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance in Port St. Lucie for both men and women, with a MoneyGeek score of 91.

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

Universal life insurance is a type of permanent life insurance with a cash value component that can grow over time. It offers flexibility in premium payments and death benefits. For example, someone might choose universal life insurance over term insurance for the potential to build cash value while maintaining lifelong coverage.

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MoneyGeek Top Pick
Protective

Protective is the top universal life insurance provider in Port St. Lucie for both men and women. Its MoneyGeek score of 91 reflects Protective's excellence in affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

In Port St. Lucie, Protective offers the best life insurance without needing a medical exam, with a MoneyGeek score of 91 for both men and women.

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

Life insurance without a medical exam provides a fast and easy way to get coverage without a health assessment, suitable for those with busy schedules or fear of medical procedures.

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MoneyGeek Top Pick
Protective

Protective is the top life insurance option in Port St. Lucie, with the highest MoneyGeek score of 91 for both men and women. It performs strongly across various categories, making it a reliable choice for coverage without a required medical exam.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Financially stable

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Port St. Lucie, with a MoneyGeek score of 91 for men and women. Men pay an average of $57 per month for car insurance, while women spend about $48.

Age affects insurance premiums. Seniors face higher health risks, which typically results in higher costs. Protective’s high score reflects its strong customer satisfaction, financial stability and competitive rates, making it a reliable option for seniors.

Best Term Life Insurance for Seniors in Port St. Lucie
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$57MG Score out of 10091
2CompanyMutual of OmahaPremium$61MG Score out of 10091
3CompanyNationwidePremium$58MG Score out of 10090
4CompanyAllstatePremium$50MG Score out of 10089
5CompanyAAAPremium$72MG Score out of 10088
6CompanyTransamericaPremium$57MG Score out of 10087
7CompanyPrudentialPremium$75MG Score out of 10085
8CompanyState FarmPremium$98MG Score out of 10084
9CompanyHavenPremium$112MG Score out of 10082

Best Term Life Insurance for Smokers in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Port St. Lucie, with MoneyGeek scores of 91 for men and 90 for women. Average monthly premiums are $37 for men and $31 for women.

Smoking affects life insurance premiums due to health risks. Mutual of Omaha’s high score reflects its strong balance of affordability, customer satisfaction, financial stability and product variety, making it a top choice for smokers seeking reliable coverage.

Best Term Life Insurance for Smokers in Port St. Lucie
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$37MG Score out of 10091
2CompanyNationwidePremium$43MG Score out of 10089
3CompanyAAAPremium$40MG Score out of 10089
4CompanyTransamericaPremium$33MG Score out of 10088
5CompanyProtectivePremium$54MG Score out of 10088
6CompanyPrudentialPremium$35MG Score out of 10087
7CompanyState FarmPremium$50MG Score out of 10086
8CompanyAllstatePremium$50MG Score out of 10085
9CompanyHavenPremium$66MG Score out of 10082

Best Term Life Insurance for Young Adults in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Port St. Lucie, with a MoneyGeek score of 92. Average monthly premiums are $8 for men and $7 for women.

Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it an excellent choice for young adults seeking reliable term life insurance.

Best Term Life Insurance for Young Adults in Port St. Lucie
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$9MG Score out of 10091
3CompanyNationwidePremium$10MG Score out of 10090
4CompanyAAAPremium$10MG Score out of 10089
5CompanyAllstatePremium$8MG Score out of 10089
6CompanyTransamericaPremium$8MG Score out of 10088
7CompanyState FarmPremium$16MG Score out of 10086
8CompanyHavenPremium$12MG Score out of 10086
9CompanyPrudentialPremium$15MG Score out of 10085
10CompanyBestowPremium$25MG Score out of 10083

Best Cheap Term Life Insurance in Port St. Lucie, FL

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Port St. Lucie, with MoneyGeek scores of 92 for men and 91 for women. On average, monthly premiums are $13 for men and $11 for women.

Age, health, coverage amount and term length affect insurance premiums. To secure the lowest rates, maintain a healthy lifestyle, avoid tobacco and choose an appropriate term length.

Best Cheap Term Life Insurance in Port St. Lucie
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10091
4CompanyMutual of OmahaPremium$15MG Score out of 10090
5CompanyTransamericaPremium$14MG Score out of 10090
6CompanyAAAPremium$17MG Score out of 10088
7CompanyHavenPremium$21MG Score out of 10083
8CompanyState FarmPremium$25MG Score out of 10082
9CompanyPrudentialPremium$22MG Score out of 10082

Average Cost of Term Life Insurance in Port St. Lucie, FL

Average monthly premiums for term life insurance in Port St. Lucie are $27 for men and $21 for women.

Factors affecting life insurance premiums include age, health, lifestyle, policy term and coverage amount. Local health statistics, risk factors and economic conditions can also influence premiums, making costs in Port St. Lucie potentially higher or lower than in other parts of Florida. Understanding these factors helps consumers make informed decisions about their life insurance needs.

FAQ About Life Insurance in Port St. Lucie, FL

What company has the best life insurance in Port St. Lucie for men?
What is the monthly premium for the best life insurance for men in Port St. Lucie?
What company has the best life insurance in Port St. Lucie for women?
What is the monthly premium for the best life insurance for women in Port St. Lucie?
Is there anything different about life insurance in Port St. Lucie compared to the rest of Florida?
What happens to your life insurance if the provider goes bankrupt in Port St. Lucie?
Why might Port St. Lucie residents need life insurance?
How do you find a lost life insurance policy in Port St. Lucie?

About Mark Fitzpatrick


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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.