Best Life Insurance in Eugene, OR (August 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Eugene, Oregon for both men and women. The MoneyGeek score for men is 92 with a monthly premium of $13. For women, the MoneyGeek score is also 92 with a monthly premium of $12.

These scores and premium costs are based on a 20-year term policy and $500,000 coverage. Different factors, such as age, health and coverage needs, should be considered when deciding on life insurance. 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 Eugene, Oregon.

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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 InsuranceEugene, OR
2024

Best Life Insurance Companies in Eugene

Overall Best Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

In Eugene, Protective offers the best life insurance for both men and women with a MoneyGeek score of 92 out of 100 and an average monthly premium of $13 for men and $12 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $16 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $15 per month for women

Protective stands out due to its high MoneyGeek score and affordability. This makes it a top choice for the average individual looking to purchase life insurance in Eugene.

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MoneyGeek Top Pick
Protective

In Eugene, Oregon, Protective stands out as the best life insurance provider for both men and women. With an impressive overall MoneyGeek score of 92 for women and 92 for men, Protective offers policies at an average monthly premium of $12 for women and $13 for men. These numbers reflect a blend of affordability and customer satisfaction that is unmatched in the local market.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Eugene, Protective stands out for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $7 for men and $6 for women. This company offers a balance of affordability, customer satisfaction and financial stability.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $7 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $7 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $6 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $7 per month for men

Term life insurance is a policy where coverage is provided for a certain period, appealing to those who may need financial protection during key years, such as while paying off a mortgage or raising children. It's a straightforward solution, often chosen for its simplicity and lower premiums compared to permanent life insurance options.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider in Eugene for men and women, boasting a MoneyGeek score of 92. This company not only offers an affordable rate but also ensures a high level of customer satisfaction and financial stability. Here are some key points to consider when choosing Protective for term life insurance.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

The Protective company stands out with the best whole life insurance in Eugene, scoring a MoneyGeek score of 92 for both men and women.

Top whole life companies for men in Eugene:

  • 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 Eugene:

  • 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 provides a fixed premium and death benefit, along with a savings component that grows over time. For instance, someone might choose best whole life insurance for the peace of mind that comes with lifetime coverage and the potential to accumulate cash value that can be borrowed against if needed.

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MoneyGeek Top Pick
Protective

In Eugene, Protective stands out as the premier provider of whole life insurance for both men and women, with MoneyGeek scores of 92. This underscores Protective's commitment to delivering quality service and value to its clients.

Pros:

  • High customer satisfaction
  • Strong 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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Insurance Rates

Best Universal Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

MoneyGeek's analysis reveals that Protective is the best universal life insurance provider in Eugene for both men and women, with a MoneyGeek score of 91 out of 100. This high score indicates that Protective stands out for its customer satisfaction.

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 a combination of life coverage with a cash value component, providing flexibility in premium payments and potential growth of cash value over time. For instance, someone might opt for the best universal life insurance over term life insurance to benefit from the policy's potential cash value accumulation, which can be used to supplement retirement income.

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MoneyGeek Top Pick
Protective

Protective leads as the premier choice for universal life insurance in Eugene, offering robust financial solutions for both men and women. With a MoneyGeek score of 91 for men and women, Protective stands out for its exceptional customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Solid financial foundation

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

In Eugene, Protective stands out as the top provider of the best no-medical-exam life insurance for both men and women, boasting a MoneyGeek score of 91. This score reflects Protective's commitment to affordability, 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 that doesn't require a medical exam allows individuals to obtain coverage quickly and without the need for a medical check-up. This can be particularly beneficial for those with health concerns or who require immediate coverage.

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MoneyGeek Top Pick
Protective

Protective stands out as the top choice for no-medical-exam life insurance in Eugene, catering to both men and women with an impressive MoneyGeek score of 91. This score reflects the company's commitment to meeting customer needs with a balance of service and value.

Pros:

  • High customer satisfaction
  • Strong 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 Eugene, OR

How was this MoneyGeek score calculated?

For older men and women in Eugene looking for the best term life insurance for seniors, Protective is at the top and has a MoneyGeek score of 91. Men can expect an average monthly premium of about $29, while women are quoted around $28.

Age is a determinant in life insurance premiums; as one ages, the likelihood of health issues increases, which is reflected in higher costs. Protective's high MoneyGeek score, indicating strong customer satisfaction and financial stability, assures seniors of a reliable choice for their insurance needs.

Best Term Life Insurance for Seniors in Eugene
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$29MG Score out of 10091
2CompanyMutual of OmahaPremium$28MG Score out of 10091
3CompanyNationwidePremium$34MG Score out of 10089
4CompanyAllstatePremium$26MG Score out of 10089
5CompanyAAAPremium$38MG Score out of 10087
6CompanyPrudentialPremium$33MG Score out of 10086
7CompanyState FarmPremium$52MG Score out of 10084
8CompanyHavenPremium$54MG Score out of 10082

Best Term Life Insurance for Smokers in Eugene, OR

How was this MoneyGeek score calculated?

In Eugene, Mutual of Omaha stands out as the provider of the best term life insurance for smokers, scoring the highest MoneyGeek score of 92 for men at a monthly premium of $29 and 91 for women at $28.

Smoking significantly influences life insurance premiums due to the associated health risks, often leading to higher costs for smokers compared to non-smokers. Mutual of Omaha's top scores reflect their commitment to customer satisfaction, diverse product offerings and financial stability.

Best Term Life Insurance for Smokers in Eugene
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$29MG Score out of 10092
2CompanyNationwidePremium$39MG Score out of 10088
3CompanyProtectivePremium$46MG Score out of 10088
4CompanyPrudentialPremium$29MG Score out of 10087
5CompanyState FarmPremium$44MG Score out of 10085
6CompanyAllstatePremium$43MG Score out of 10085
7CompanyAAAPremium$55MG Score out of 10085
8CompanyHavenPremium$51MG Score out of 10083

Best Term Life Insurance for Young Adults in Eugene, OR

How was this MoneyGeek score calculated?

The best term life insurance for young adults in Eugene is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $4. Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs.

Protective stands out due to its high affordability, customer satisfaction and financial stability scores. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.

Best Term Life Insurance for Young Adults in Eugene
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$4MG Score out of 10092
2CompanyMutual of OmahaPremium$4MG Score out of 10092
3CompanyNationwidePremium$6MG Score out of 10090
4CompanyAAAPremium$5MG Score out of 10089
5CompanyAllstatePremium$4MG Score out of 10089
6CompanyState FarmPremium$9MG Score out of 10087
7CompanyPrudentialPremium$7MG Score out of 10087
8CompanyHavenPremium$6MG Score out of 10086
9CompanyBestowPremium$20MG Score out of 10083

Best Cheap Term Life Insurance in Eugene, OR

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Eugene, Protective stands out for both men and women with a MoneyGeek score of 92 and monthly premiums of $7 and $6 respectively. Factors influencing life insurance premiums include age, health, coverage amount and term length.

To get the lowest premiums, maintain good health, choose a shorter term length, and opt for a lower coverage amount. Protective's high MoneyGeek score is due to its affordability and excellent customer satisfaction. This makes it an ideal choice for those seeking the best cheap term life insurance in Eugene.

Best Cheap Term Life Insurance in Eugene
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$7MG Score out of 10092
2CompanyMutual of OmahaPremium$7MG Score out of 10092
3CompanyAllstatePremium$7MG Score out of 10091
4CompanyNationwidePremium$9MG Score out of 10089
5CompanyAAAPremium$9MG Score out of 10088
6CompanyPrudentialPremium$10MG Score out of 10085
7CompanyHavenPremium$10MG Score out of 10084
8CompanyState FarmPremium$14MG Score out of 10082

Average Cost of Term Life Insurance in Eugene, OR

In Eugene, the average monthly premium for term life insurance is $13 for women and $14 for men. These costs are rounded to the nearest whole number for clarity.

Many factors affect the cost of life insurance premiums. Age, health, lifestyle, policy type and coverage amount all play a role in determining the price. For instance, a younger, healthier person with a non-smoking lifestyle might pay less than an older individual with health issues.

The cost of life insurance in Eugene might differ from the rest of Oregon due to several reasons. Local health statistics can impact premiums, as regions with higher life expectancy might see lower costs. The cost of living in Eugene also influences insurance prices, as higher living costs can lead to higher premiums.

FAQ About Life Insurance in Eugene, OR

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

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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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