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2024

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Best Life Insurance Companies in Port St. Lucie, FL

Our Recommended Top 13

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.

7958Reviewed

4780Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2300 Southeast Monterey Road, Stuart, FL 34996
WebsiteLicense: L064585

Expertise.com Rating

Review Sources

Facebook
4.9 (1049)
Google
4.5 (638)
Yelp
1.0 (1)

Why choose this provider?

Fiorella Insurance Agency, Inc. services the needs of clients in Port St. Lucie and the surrounding areas. The family-run agency specializes in helping individuals and families get term life insurance protection from multiple insurance carriers, including Bright HealthCare, Blue Cross Blue Shield, Molina Healthcare, Humana, Ambetter, and Aetna. It also offers health, dental, auto, homeowners, and group and business health insurance. The core values of Fiorella Insurance Agency are family, personalizing, citizenship, simplicity, respect, and efficiency.

  • Life Insurance

240 NW Peacock Blvd Suite 301, Port Saint Lucie, Fl 34986

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Review Sources

Facebook
5.0 (4)

Why choose this provider?

Donner's Financial Services Inc. helps customers find the right life insurance policies to meet their objectives. This financial planning agency helps customers prepare for retirement with vital insurance coverage. Both permanent and term life coverage is available. It also sells health insurance for families and individuals, and its product lineup includes long-term care insurance and disability insurance. Other services offered by Donner's Financial Services Inc. include retirement planning, portfolio management, and IRA rollovers.

550 Northwest University Boulevard, Port St. Lucie, FL 34986
WebsiteLicense: L097582

Expertise.com Rating

Review Sources

Google
4.0 (203)

Why choose this provider?

Chris Melly is a State Farm insurance agent who serves clients in Port St. Lucie. He leads a team of insurance professionals that offer a wide range of insurance products, including life, auto, renters', and business insurance programs. They also offer commercial lines of insurance to owners of small businesses. His Spanish-speaking team is composed of account managers Griselda Huell, Paola Angulo, and Katia De Pena. State Farm issues life insurance and annuities offered by Chris and his team.

  • Life Insurance
  • Health Insurance

2646 Southwest Mapp Road, Palm City, FL 34990
WebsiteLicense: R028214

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Review Sources

Google
4.6 (27)
Facebook
5.0 (4)
Yelp
2.0 (3)

Why choose this provider?

Livings Insurance serves policyholders in the Port St. Lucie metro and neighboring communities. It is an independent agency that works with various carriers in providing personalized life insurance plans suited to clients' needs and budget. Livings Insurance helps clients acquire policies that will protect them from financial losses caused by an unexpected death. Its life insurance plans protect family members such as elderly parents, spouses, and children who depend on the clients' financial support. Owner Matt Livings has been in the insurance business for two decades.

  • Life Insurance

205 Southwest Winnachee Drive, Stuart, FL 34994
WebsiteLicense: 011516

Expertise.com Rating

Review Sources

Google
5.0 (72)
Facebook
5.0 (5)

Why choose this provider?

Butcher Insurance Group, Inc., is an insurance agency that caters to individuals in the Port St. Lucie area. The firm offers life insurance to clients who are interested in protecting the safety of their families. It also aims to help them maintain their lifestyle in the occurrence of an unexpected event. In addition, it provides policies for homeowners, renters, businesses. Stephen Butcher has been in the industry since 1992 and later established the company in 2002.

  • Life Insurance
  • Health Insurance

1802 South Parrott Avenue, Okeechobee, FL 34974
WebsiteLicense: R001657

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

Pritchards and Associates Inc. is an insurance agency with one office located in Port St. Lucie. Representing many leading insurance companies, the agents at Pritchards and Associates assist individuals and businesses in selecting the most suitable insurance policy. Basic types of life insurance such as term life, universal life, and whole life insurance plans are all available. Apart from life insurance, its team of professionals also provides home, auto insurance, health, and commercial insurance policies.

  • Life Insurance
  • Health Insurance

120 Southwest 5th Avenue, Okeechobee, FL 34974
WebsiteLicense: L080897

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Berger Insurance Associates LLC. supplies the insurance needs of families and businesses in Port St. Lucie. It offers life insurance options including term, whole, and universal plans. Individual life insurance can be used as a source of savings, payment for taxes and funeral expenses, and income for beneficiaries. The company offers other types of personal insurance, such as auto insurance, homeowners' insurance, and flood insurance. Business owners also benefit from insurance coverage for agribusiness, workers' compensation, and general liability.

  • Life Insurance

4360 Northlake Boulevard, Palm Beach Gardens, FL 33410
WebsiteLicense: R007121

Expertise.com Rating

Review Sources

Facebook
4.5 (4)

Why choose this provider?

Ackerman Insurance Services is an independent insurance agency that services clients from Port St. Lucie and the rest of the Southwest Florida area. It offers different life insurance policies customized to clients' needs. It also offers personal umbrella insurance, homeowners insurance, and auto insurance. Insurance carriers that it works with include Heritage Insurance, Prudential Financial, The Hartford, Nationwide Mutual Insurance Company, and MetLife. Ackerman Insurance Services is a member of the Professional Insurance Agents of Florida.

  • Life Insurance

1514 Northeast Jensen Beach Boulevard, Jensen Beach, FL 34957
WebsiteLicense: L107505Full

Expertise.com Rating

Review Sources

Google
4.0 (79)

Why choose this provider?

Jensen Beach Insurance Agency provides its services to businesses, individuals, and families in Port St. Lucie and the surrounding areas. It offers personalized insurance quotes and provides information on the different options. One of its offered products is life insurance which provides protection for one's family and property in case of unexpected events. Its other products include homeowners', automobile, recreational vehicle, and renters' insurance. The agency works with different companies such as Safeco and Universal Property.

  • Life Insurance

1860 Southwest Fountainview Boulevard, Port St. Lucie, FL 34986
WebsiteLicense: R001826

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
5.0 (1)

Why choose this provider?

Port St. Lucie's InsurPro Insurance Agency, Inc., is an independent insurance agency providing insurance services to individuals, families, and businesses. It serves clients in communities like Vero Beach, Tradition, Stuart, Palm City, and throughout the state of Florida. It carries life insurance plans like whole life, universal life, term life, and annuities. Additionally, it provides commercial insurance packages like general liability, workers' compensation, inland marine insurance, commercial auto, and commercial property. Richard J. Wypyhoski, Jr., a longtime Kiwanis member, founded the company in 2001.

  • Individual Plans
  • Group Plans
  • Life Insurance

820 West Indiantown Road, Jupiter, FL 33458
WebsiteLicense: L102734

Expertise.com Rating

Review Sources

Yelp
4.0 (11)

Why choose this provider?

Medigap Seminars is an independent insurance agency that provides insurance services to individuals and families of Port St. Lucie and surrounding communities. It represents multiple carriers that offer a variety of life and Medigap packages. It carries term life insurance plans and final expense life insurance. Moreover, it provides all Medicare Medigap plans. It also hosts webinars to educate clients on their choices, including the advantages and disadvantages of each option. Its team is led by Matthew Classen.

  • Life Insurance

11380 Prosperity Farms Road, Palm Beach Gardens, FL 33410
WebsiteLicense: L070733

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Legacy Insurance Solutions is a full-service insurance agency serving customers in and around Port St. Lucie since 2011. It offers personal insurance coverages for life, health, personal properties, recreational vehicles, and automobiles. It also offers commercial auto and fleet insurance, executive and management liability insurance, and workers' compensation. Moreover, the agency's employee group benefits include health insurance, group retirement, and ancillary coverage plans. Legacy Insurance Solutions' team has more than seven decades of combined experience.

  • Life Insurance
  • Health Insurance

1801 Southeast Berkshire Boulevard, Port St. Lucie, FL 34952
WebsiteLicense: L094475

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Founded in 2015, Clefco Insurance Agency is a local company that delivers insurance products and services to businesses and individuals in the Port St. Lucie metro. It is a life insurance provider that offers term, whole, and universal life coverages. The independent agency also helps clients obtain mortgage protection, final expense, and fixed annuities insurance. It represents different insurance carriers, including Humana, Banner Life, and Prudential. President and principal agent Chris Fioravante carries over 20 years of experience in the finance and insurance business industry.

  • Life Insurance
  • Individual Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Fiorella Insurance Agency, Inc.
2300 Southeast Monterey Road, Stuart, FL 34996
Donner’s Financial Services, Inc.
240 NW Peacock Blvd Suite 301, Port Saint Lucie, Fl 34986
Chris Melly
550 Northwest University Boulevard, Port St. Lucie, FL 34986
Livings Insurance
2646 Southwest Mapp Road, Palm City, FL 34990
Butcher Insurance Group, Inc.
205 Southwest Winnachee Drive, Stuart, FL 34994
Pritchards and Associates
1802 South Parrott Avenue, Okeechobee, FL 34974
Berger Insurance Associates LLC.
120 Southwest 5th Avenue, Okeechobee, FL 34974
Ackerman Insurance Services
4360 Northlake Boulevard, Palm Beach Gardens, FL 33410
Jensen Beach Insurance Agency
1514 Northeast Jensen Beach Boulevard, Jensen Beach, FL 34957
Insurpro
1860 Southwest Fountainview Boulevard, Port St. Lucie, FL 34986
Medigap Seminars
820 West Indiantown Road, Jupiter, FL 33458
Legacy Insurance Solutions
11380 Prosperity Farms Road, Palm Beach Gardens, FL 33410
Clefco Insurance Agency
1801 Southeast Berkshire Boulevard, Port St. Lucie, FL 34952

FAQs

  • How often should Port St. Lucie review their life insurance policies?

    Residents of Port St. Lucie are encouraged to review their life insurance coverage on an annual basis. It is recommended to speak with insurance agents or company representatives to determine how significant life events may affect their policy rates. Marriage, the birth of a child or grandchild, or the declining health of a spouse or domestic partner are examples of transformative events.

  • Why do older people in Port St. Lucie pay more for their life insurance?

    Seniors in Port St. Lucie often face higher life insurance premiums due to the expectation that their policies will outlive them. In addition, insurance providers classify them as individuals with a higher risk profile. Due to the fact that their children are financially independent, many seniors may opt for less coverage. Consequently, the primary objective of senior life insurance policies is to cover essential expenses such as funeral and burial costs.

  • What is the typical timeline for the disbursement of life insurance claims in Port St. Lucie?

    The majority of life insurance claims in Port St. Lucie are processed and paid out within 10 days of the beneficiary submitting a valid death certificate. If the policyholder dies, the assured death benefit will be paid to the designated beneficiary, as long as the insured did not miss any premium payments. This death benefit is tax-free and equal to the face value of the policy less any outstanding policy debts.

  • Which is better to meet the needs of Port St. Lucie residents, term or whole life insurance policies?

    Term and whole life insurance policies serve different purposes, and neither can be considered definitively superior to the other. Term life insurance is a good option for Port St. Lucie residents who want to provide financial security for their families in the event of an untimely death while they are still working. Individuals looking to save for their retirement, on the other hand, benefit from whole-life policies.

  • Are death benefits from life insurance taxable in Port St. Lucie?

    Death benefits from life insurance policies are typically tax-free for the beneficiary in Port St. Lucie. However, if the total value of the insured individual's estate, including the life insurance payout, exceeds the federal estate tax exemption threshold, they may be subject to estate taxes. It is important to note that even if the death benefits are designated for a specific beneficiary, they are still taxed as part of the individual's estate.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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