Best Life Insurance in Centennial, CO (October 2024)


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Protective is the best life insurance company in Centennial, Colorado, for men and women. It has a MoneyGeek score of 92 out of 100 for both genders. Its average monthly premium is $42 for men and $34 for women. The score and premium costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider various factors such as your age, health and financial needs. 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 Centennial, Colorado.

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

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceCentennial, CO
2024

Best Life Insurance Companies in Centennial

Overall Best Life Insurance in Centennial, CO

How was this MoneyGeek score calculated?

In Centennial, Protective is the best life insurance provider for men and women, with a MoneyGeek score of 92 out of 100 for each. Its average monthly premium is $42 for men and $34 for women. Protective is a top choice for life insurance due to its balanced offering of affordability, customer satisfaction and financial stability.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $42 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $48 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $34 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $38 per month for women

Protective is the best option for the average individual looking to purchase life insurance in Centennial. Its high MoneyGeek score reflects a strong balance of affordability, customer satisfaction and financial stability.

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MoneyGeek Top Pick
Protective

Protective is the best life insurance provider in Centennial for men and women, with a MoneyGeek score of 92 for each. For men, the average monthly premium is $42, while women benefit from a slightly lower monthly cost of around $34. This company stands out for its high ratings across multiple categories, indicating a strong balance of price, satisfaction and stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Centennial, CO

How was this MoneyGeek score calculated?

In Centennial, Protective provides the best term life insurance for men and women, with a MoneyGeek score of 92 for each. Its average monthly premium is $20 for men and $18 for women. Protective's high score reflects its strong performance across various metrics, suggesting reliability and value for the average individual seeking term life insurance.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $20 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $24 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $23 per month for women

Term life insurance is a policy that provides coverage for a specified period. For instance, a parent might choose term insurance to ensure their child's education expenses are covered in the event of their untimely passing.

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MoneyGeek Top Pick
Protective

Protective is the premier provider of term life insurance for men and women in Centennial, with a MoneyGeek score of 92. Men can secure coverage at an average monthly premium of $20, while women are quoted around $18 per month. The company ensures affordability without compromising on quality service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Centennial, CO

How was this MoneyGeek score calculated?

In Centennial, Protective is the best whole life insurance provider for men and women, with a MoneyGeek score of 92 for each. Choosing Protective excels in customer satisfaction, financial stability and product diversity. This makes it a reliable choice for individuals seeking a robust financial safety net through whole life insurance.

Top whole life companies for men in Centennial:

  • 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 Centennial:

  • 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 is a permanent policy that provides coverage for the insured's entire lifetime. It can be an excellent choice for those who wish to leave a legacy or have long-term financial dependents. For example, a parent might choose whole life insurance to ensure their child with special needs has financial support no matter how long the parent lives.

mglogo
MoneyGeek Top Pick
Protective

Protective is the premier choice for the best whole life insurance for men and women in Centennial. With a MoneyGeek score of 92 for each gender, Protective stands out for its commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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 Centennial, CO

How was this MoneyGeek score calculated?

For those seeking the best universal life insurance in Centennial, Protective stands out with a MoneyGeek score of 91 for men and women. This score reflects a solid combination of affordability, customer satisfaction, buying process, financial stability and product diversity.

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 offers flexibility in premiums and benefits, making it a suitable option for long-term financial planning. For example, someone might prefer universal life insurance for its potential cash value accumulation, which can be a beneficial financial tool over time.

mglogo
MoneyGeek Top Pick
Protective

Protective is the leading provider for men and women seeking universal life insurance in Centennial. With a MoneyGeek score of 91 for both genders, Protective stands out for its commitment to customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Centennial, CO

How was this MoneyGeek score calculated?

For those seeking the best no-medical-exam life insurance in Centennial, Protective stands out with a MoneyGeek score of 91 for men and women. This score indicates that Protective is a reliable choice for consumers prioritizing customer satisfaction and financial stability.

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 without a required medical exam allows individuals to obtain coverage without undergoing a health examination. For example, someone with a busy schedule or a fear of medical procedures might opt for this type of insurance for its convenience.

mglogo
MoneyGeek Top Pick
Protective

In Centennial, Protective is the premier choice for life insurance with no mandatory medical exam. It has a MoneyGeek score of 91 for men and women, indicating a strong alignment with customer needs and financial reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • 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 Centennial, CO

How was this MoneyGeek score calculated?

In Centennial, Protective provides the best term life insurance for seniors. For men, it has a MoneyGeek score of 92 and an average monthly premium of $91. For women, it has a MoneyGeek score of 91 and a monthly premium of around $80.

Age is a determining factor in life insurance premiums; as the risk increases with age, so does the cost. Protective's high MoneyGeek scores reflect its commitment to customer satisfaction, a seamless buying process and financial stability, which are crucial for seniors seeking reliable life insurance coverage.

Best Term Life Insurance for Seniors in Centennial
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$9192
2Mutual of Omaha$10391
3Nationwide$9290
4AAA$11988
5Allstate$10288
6Prudential$9088
7Transamerica$11387
8State Farm$16185
9Haven$17782

Best Term Life Insurance for Smokers in Centennial, CO

How was this MoneyGeek score calculated?

In Centennial, Mutual of Omaha is the best term life insurance for smokers, with a MoneyGeek score of 90 for men and 88 for women. Its average monthly premiums are $101 and $94, respectively.

Smoking significantly affects life insurance premiums, as insurers view smokers as higher risk due to health concerns associated with tobacco use. Mutual of Omaha excels in affordability, customer satisfaction and financial stability, making it a top choice for those seeking reliable coverage despite the higher premiums smokers face.

Best Term Life Insurance for Smokers in Centennial
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$10190
2Nationwide$10589
3AAA$10988
4Protective$13988
5Prudential$7988
6Transamerica$9987
7State Farm$13385
8Allstate$16684
9Haven$16582

Best Term Life Insurance for Young Adults in Centennial, CO

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Centennial, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $12 and $11, respectively.

Age significantly impacts life insurance premiums, with younger individuals typically paying lower rates. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability. These factors are crucial for young adults seeking reliable term life insurance.

Best Term Life Insurance for Young Adults in Centennial
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1292
2Mutual of Omaha$1591
3Nationwide$1689
4AAA$1788
5Allstate$1587
6Transamerica$1686
7Prudential$1885
8Haven$1984
9State Farm$2684
10Bestow$2683

Best Cheap Term Life Insurance in Centennial, CO

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Centennial, Protective is the leading provider for men and women. It has a MoneyGeek score of 92 for both genders. Its average monthly premium is $20 for men and $18 for women. Protective excels in customer satisfaction and financial stability.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

Best Cheap Term Life Insurance in Centennial
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$2092
2Nationwide$2491
3Mutual of Omaha$2490
4Allstate$2589
5AAA$2888
6Transamerica$2788
7Prudential$2787
8Haven$3383
9State Farm$4182

Average Cost of Term Life Insurance in Centennial, CO

In Centennial, the average monthly premium for term life insurance is $31 for women and $40 for men.

Several factors influence the cost of life insurance premiums, including age, health, lifestyle choices, occupation and the specifics of the policy chosen. For instance, younger individuals or those in good health typically pay lower premiums. Conversely, high-risk occupations or unhealthy lifestyle choices can drive up costs.

The cost of life insurance in Centennial may be higher or lower than in the rest of Colorado for various local factors. Economic conditions, health statistics and lifestyle trends in Centennial can all play a role in determining insurance rates. Regional differences in health care access and average income levels may also impact the cost of premiums. Understanding these factors can help you make informed decisions about your life insurance needs.

FAQ About Life Insurance in Centennial, CO

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

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.


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