Best Life Insurance in Cary, NC (October 2024)


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In Cary, North Carolina, Mutual of Omaha is the best life insurance company for men, with a MoneyGeek score of 91 and an average monthly premium of $54. For women, Protective is the top choice, scoring 92 and charging $27 monthly. These figures are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider the coverage amount, term length and your health. Your unique needs may mean a different company is best for you.

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 Cary, North Carolina.

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

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceCary, NC
2024

Best Life Insurance Companies in Cary

Overall Best Life Insurance in Cary, NC

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best life insurance in Cary for men, with a MoneyGeek score of 91 and an average monthly premium of $54. For women, Protective is the top provider, with a MoneyGeek score of 92 and a monthly premium of $27.

Top providers for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $54 per month
  • Protective: MoneyGeek score of 91 out of 100 at $56 per month

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $27 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $34 per month

Both companies are the best choices in Cary due to their high MoneyGeek score and affordable premiums.

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MoneyGeek Top Pick
Mutual of Omaha

In Cary, men find their best life insurance option in Mutual of Omaha, scoring 91 and charging $54 monthly. It performs well in customer satisfaction and financial stability and provides reliable coverage choices.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex buying process
  • Less diverse products
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MoneyGeek Top Pick
Protective

Protective is the top life insurance company for women in Cary, with a MoneyGeek score of 92 and a monthly premium of $27.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Affordable rates

Cons:

  • Buying process could be better

Best Term Life Insurance in Cary, NC

How was this MoneyGeek score calculated?

For men seeking the best term life insurance in Cary, Mutual of Omaha leads with a MoneyGeek score of 92 and an average monthly premium of $23. Women find their top choice with Protective, scoring 91 at just $13 per month. These companies stand out for their strong customer satisfaction, financial stability and product diversity.

Top term life insurance companies for men:

  • Mutual of Omaha: MoneyGeek score of 92 out of 100 at $23 per month
  • Protective: MoneyGeek score of 91 out of 100 at $25 per month

Top term life insurance companies for women:

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

Term life insurance offers short-term protection for a defined period and financial security when needed. For example, a parent might choose it to fund their child's education in case of their untimely passing.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha is the top provider of term life insurance for men in Cary, with a MoneyGeek score of 92 and a reasonable monthly premium of $23.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

Protective is the best term life insurance provider for women in Cary, with a MoneyGeek score of 91 and an average monthly premium of $13, balancing affordability with comprehensive coverage.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Cary, NC

How was this MoneyGeek score calculated?

Protective is the best whole life insurance provider in Cary, with a MoneyGeek score of 92 for men and women. This score reflects a combination of affordability, customer satisfaction and financial stability.

  • 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 a fixed premium and a guaranteed death benefit, making it suitable for those seeking predictable costs and a secure financial legacy. Someone might choose it over term life insurance to ensure coverage for their entire life, regardless of health changes, and to build cash value over time.

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MoneyGeek Top Pick
Protective

Protective is Cary's leading whole life insurance company, with a MoneyGeek score of 92 for men and women. This score reflects the company's excellence in customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons: None

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 Cary, NC

How was this MoneyGeek score calculated?

Protective has Cary's best universal life insurance, with a MoneyGeek score of 91 for men and women. This score indicates strong performance in affordability, customer satisfaction, buying process, financial stability and product diversity.

  • 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 offers flexibility in premiums and death benefits, which appeal to those who want long-term coverage with cash value growth potential. Someone might choose it over term life insurance to benefit from the policy's savings component, which can be used as a financial safety net or an investment.

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MoneyGeek Top Pick
Protective

Protective is the leading universal life insurance provider in Cary, with a MoneyGeek score of 91 for men and women. This score reflects the company's quality service and overall value.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Reliable financial stability

Cons:

  • Subpar buying process

Best No-Medical-Exam Life Insurance in Cary, NC

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Cary without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects a strong combination of affordability, customer satisfaction and financial stability.

  • 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 with no mandatory medical exam offers a quick and convenient way to secure coverage without undergoing a health checkup. Someone with a busy schedule or a fear of medical procedures might opt for this type of insurance to save time and avoid stress.

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MoneyGeek Top Pick
Protective

Protective is the top choice for life insurance without the hassle of a medical examination in Cary. Its MoneyGeek score of 91 for men and women reflects its good balance of affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Cary, NC

How was this MoneyGeek score calculated?

For older men seeking the best term life insurance for seniors in Cary, Mutual of Omaha stands out with a MoneyGeek score of 92 and an average monthly premium of $93. Protective is the top choice for women, scoring 91 and charging $56 monthly.

Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha and Protective rank highest for men and women, respectively, thanks to their strong scores, which indicate customer satisfaction and financial stability — critical factors for seniors seeking reliable coverage.

Best Term Life Insurance for Seniors in Cary
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$9392
2Protective$10691
3Nationwide$9391
4Allstate$9688
5Transamerica$11087
6Prudential$11486
7State Farm$16385
8AAA$16285
9Haven$17982

Best Term Life Insurance for Smokers in Cary, NC

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Cary, with MoneyGeek scores of 91 for men and 89 for women. The average monthly premiums are $51 for males and $33 for females.

Smoking increases premiums due to its health risks. Insurers charge smokers more to offset these risks. Mutual of Omaha provides valuable coverage at competitive prices, making it a top choice for smokers.

Best Term Life Insurance for Smokers in Cary
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$5191
2Nationwide$6289
3Protective$7588
4Transamerica$4588
5Prudential$4687
6State Farm$7186
7Allstate$7086
8AAA$9685
9Haven$9283

Best Term Life Insurance for Young Adults in Cary, NC

How was this MoneyGeek score calculated?

For men in Cary seeking the best term life insurance for young adults, Mutual of Omaha ranks highest with a MoneyGeek score of 92 and an average monthly premium of $15. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $8.

Age significantly affects premiums because younger adults typically have lower health risks. The high scores for these companies reflect a strong balance of affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Cary
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$1592
2Protective$1692
3Nationwide$1790
4Allstate$1688
5Transamerica$1788
6AAA$2587
7Haven$2086
8State Farm$2885
9Prudential$2385
10Bestow$3883

Best Cheap Term Life Insurance in Cary, NC

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Cary, Mutual of Omaha leads for men with a MoneyGeek score of 92 and an average monthly premium of $23. Protective is the top option for women, with a MoneyGeek score of 91 at $13 monthly.

Factors impacting premiums include age, health, coverage amount and term length. To get the lowest rates, maintain good health, choose a shorter term length and opt for a higher deductible.

Best Cheap Term Life Insurance in Cary
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$2392
2Nationwide$2691
3Protective$2591
4Allstate$2590
5Transamerica$2789
6Prudential$3484
7Haven$3484
8AAA$3984
9State Farm$4482

Average Cost of Term Life Insurance in Cary, NC

Cary's average monthly term life insurance premiums are $47 for men and $26 for women. Many factors affect costs, including age, health, lifestyle, occupation, policy term and coverage amount.

Life insurance costs in Cary can differ from those in other parts of North Carolina due to several factors, such as local health statistics, the cost of living and regional risks. Also, competition among insurers may affect prices.

Understanding these factors helps you make informed decisions when shopping for life insurance. It allows you to assess options and choose a policy that fits your needs and budget.

FAQ: Life Insurance in Cary, NC

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

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.