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2025

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Best Life Insurance Companies in Port Saint Lucie, FL

Our Recommended Top 5

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Port St. Lucie life insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

8390Reviewed

5036Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Port St. Lucie
1680 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984

Expertise.com Rating

Review Sources

Google
4.0 (285)
Facebook
5.0 (110)
Yelp
5.0 (4)

Why choose this provider?

Behar Insurance is an independent agency that serves the residents of Port St. Lucie and the rest of Florida. The company works with multiple carriers to offer term life and permanent life insurance to its clients. Its agents educate their customers on the available coverage plan options and assist them in choosing the one suitable for their needs. They also provide auto, home, health, commercial, final expenses, and umbrella insurance. Behar Insurance also renders its services to Turkish-speaking clients.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Port St. Lucie
1860 Southwest Fountainview Boulevard, Port St. Lucie, FL 34986

Expertise.com Rating

Review Sources

Google
4.4 (7)
Facebook
5.0 (6)

Why choose this provider?

InsurPro Insurance Agency serves clients in Port St. Lucie and the surrounding areas. This independent agency offers various types of life insurance policies, such as whole life, universal life, term life, and annuities from several insurance carriers that include Travelers, Progressive, and Olympus. The business also covers other types of insurance products and services for homeowners, cars, condominiums, and businesses. To give back to the community, the company supports the St. Lucie Chamber of Commerce and Boy Scouts of America.

  • Life Insurance

Best Life Insurance Companies Serving Port St. Lucie
550 Northwest University Boulevard, Port St. Lucie, FL 34986

Expertise.com Rating

Review Sources

Google
4.0 (203)
Facebook
5.0 (50)
Yelp
4.0 (2)

Why choose this provider?

Chris Melly leads a team of English-speaking and Spanish-speaking insurance agents at State Farm. He serves customers in the community of Port St. Lucie and its surrounding areas. Melly specializes in motorcycle, rental, marine, life, auto, and mobile home insurance. He offers residential relocations and financial services. He also helps small business owners with their commercial lines of insurance. In addition, as State Farm agents, Melly and his team handle other products such as annuities and banking.

  • Individual Plans
  • Life Insurance

Best Life Insurance Companies Serving Port St. Lucie
651 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953

Expertise.com Rating

Review Sources

Google
4.0 (16)

Why choose this provider?

Craig Karraker is a State Farm insurance agent who has been offering services to individuals and businesses in Port St. Lucie and its surrounding areas since 1989. He provides different policies for life insurance such as term, universal, and whole life insurance. In addition, he also provides policy coverage for health, disability, rental property, and renter's insurance. Craig likewise proffers policies for businesses including commercial auto, liability umbrella, and business owners' insurance.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Port St. Lucie
205 Winnachee Drive, Stuart, FL 34994

Expertise.com Rating

Review Sources

Google
5.0 (61)
Facebook
5.0 (1)

Why choose this provider?

Butcher Insurance Group, Inc., is an independent insurance agency that has been serving individuals, families, and businesses in the Port St. Lucie community and the surrounding areas for almost two decades. It offers a wide variety of life insurance products, such as term life, whole life, universal life, and variable universal life insurance. It also deals with other personal insurance lines, including health, long-term care, individual disability, key-person disability, and business overhead expense disability insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Behar Insurance
1680 Southwest Bayshore Boulevard, Port St. Lucie, FL 34984
InsurPro Insurance Agency
1860 Southwest Fountainview Boulevard, Port St. Lucie, FL 34986
Chris Melly
550 Northwest University Boulevard, Port St. Lucie, FL 34986
Craig Karraker
651 Southwest Port Saint Lucie Boulevard, Port St. Lucie, FL 34953
Butcher Insurance Group, Inc.
205 Winnachee Drive, Stuart, FL 34994

Port Saint Lucie, FL Life Insurance FAQs

  • What are the standard life insurance plans available in Port St. Lucie?

    In Port St. Lucie, there are three regular life insurance plans. First, fixed-term life insurance gives coverage for a set amount of time and pays out if the insured person dies during that time. Second, whole life insurance gives you coverage for the rest of your life and builds cash value over time. Lastly, universal life insurance is a permanent option with a cash value component that allows for flexible premium payments and changes to the death benefit as needed.

  • Who can be listed as beneficiaries for life insurance policies in Port St. Lucie?

    Individuals with life insurance policies in Port St. Lucie can name beneficiaries such as family members, spouses, children, parents, trusts, or charitable organizations. Furthermore, failure to name a beneficiary may result in the insurance payout being distributed according to the terms of the policy contract, with a preference for surviving family members or the insured's estate. As a result, policyholders must specify their preferred beneficiaries to ensure that the benefits are directed to the intended recipients.

  • What factors can determine the cost of a life insurance plan in Port St. Lucie?

    Personal circumstances, preferences, and specific coverage requirements can all influence the cost of life insurance in Port St. Lucie. Premiums are determined by age, with younger people receiving lower rates. The choice between term and permanent policies has a significant impact on costs, as term policies are typically less expensive. Furthermore, factors such as the term length, coverage amount, medical history, and lifestyle choices such as smoking or participating in high-risk activities all contribute to the cost of a life insurance policy.

  • Is there an imposed taxes on life insurance policies in Port St. Lucie?

    No, the state of Florida does not usually tax life insurance policies in Port St. Lucie, as long as the benefits are paid directly to certain beneficiaries. But if the insured's estate is named as the beneficiary, it is possible that the proceeds will be taxed as part of the estate. People need to set up their life insurance policies in the right way to make sure that the benefits go to the right people while minimizing taxes.

  • What death benefits are covered by life insurance policy payments in Port St. Lucie?

    Life insurance policies in Port St. Lucie provide valuable financial support to beneficiaries in the event of the policyholder's death. Funeral costs, mortgage payments, childcare and educational expenses, outstanding debts, the completion of retirement plans, and the assurance of a steady source of lifelong income are all covered by these policies. During difficult times, this comprehensive coverage provides policyholders and their loved ones with critical financial security and peace of mind.

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