Best Life Insurance in Fayetteville, NC (November 2024)


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For women in Fayetteville, North Carolina, Protective offers the best life insurance, with a MoneyGeek score of 92 and an average monthly premium of $16. For men, Mutual of Omaha is the top provider, scoring 91 at $23.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. Different factors 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 Fayetteville, 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 InsuranceFayetteville, N
2024

Best Life Insurance Companies in Fayetteville

Overall Best Life Insurance in Fayetteville, NC

How was this MoneyGeek score calculated?

Mutual of Omaha is the top life insurance provider for men in Fayetteville, with a MoneyGeek score of 91 and an average monthly premium of $23. For women, Protective leads with a MoneyGeek score of 92 and a premium of $16.

Top providers for men:

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

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $20 per month for women

Choosing Mutual of Omaha or Protective ensures a balance of affordability and customer satisfaction.

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MoneyGeek Top Pick
Mutual of Omaha

For women seeking life insurance in Fayetteville, Protective is the best choice, with a MoneyGeek score of 92 and an average monthly premium of $16. Men placed Mutual of Omaha as their top choice, scoring 91 with a monthly premium of $23. Both companies excel in customer satisfaction and affordability.

Protective

Pros:

  • High customer satisfaction
  • Affordable
  • Solid financial foundation

Cons:

  • Buying process could be improved

Mutual of Omaha

Pros:

  • High customer approval
  • Excellent affordability
  • Solid financial foundation

Cons:

  • Rigid buying process

Best Term Life Insurance in Fayetteville, NC

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Fayetteville, Mutual of Omaha is the premier choice for men and Protective for women. Mutual of Omaha got a MoneyGeek score of 92 for men, with approximately $10 on monthly premiums, while Protective scored 91 for women at $9.

Top term life providers for men:

  • Mutual of Omaha: MoneyGeek score of 92 out of 100 at $10 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $11 per month for men

Top term life providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $8 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $9 per month for women

Term life insurance is a policy that provides coverage for a specific term, such as 10, 20 or 30 years. It's a straightforward solution for those who need financial protection during their working years or while paying off a mortgage. Parents might opt for it to ensure their children's education in the event of their untimely death.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha is the leading provider of term life insurance for men in Fayetteville, with a MoneyGeek score of 92. For an average monthly premium of $10, men can secure their peace of mind.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be smoother
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MoneyGeek Top Pick
Protective

Protective is the top choice for women looking for the best term life insurance in Fayetteville, with a MoneyGeek score of 91. Women can secure their future with a monthly premium of just $8, ensuring both value and security.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be better

Best Whole Life Insurance in Fayetteville, NC

How was this MoneyGeek score calculated?

The best whole life insurance for Fayetteville residents is Protective, receiving a MoneyGeek score of 92. Protective offers reliable, long-term financial security and customer satisfaction.

Top whole life companies in Fayetteville:

  • 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 is a type of permanent life insurance that includes an investment component or cash value. Someone might choose whole life insurance to provide for their family while also building cash value they can borrow against in the future.

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MoneyGeek Top Pick
Protective

Protective is the leading choice for the best whole life insurance in Fayetteville, with an impressive MoneyGeek score of 92. The high score is indicative of the company's commitment to excellence in its service and offerings.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could be improved

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 Fayetteville, NC

How was this MoneyGeek score calculated?

Protective is the company at the top for the best universal life insurance in Fayetteville, with a MoneyGeek score of 91. It's the ideal choice for the average individual seeking reliable life coverage.

Best universal life insurance in Fayetteville:

  • 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. For example, someone who expects significant income fluctuations might prefer it to ensure their coverage adapts to their financial situation.

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MoneyGeek Top Pick
Protective

Protective is the leading choice for universal life insurance in Fayetteville, with a MoneyGeek score of 91. Consumers trust this provider for its excellent customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Good affordability

Cons:

  • Buying process could be smoother

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

How was this MoneyGeek score calculated?

The best no-medical-exam life insurance for residents of Fayetteville is Protective, with a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction, financial stability and product diversity.

Top companies offering life insurance policies without mandatory medical exams:

  • 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 that doesn't require a medical exam allows individuals to obtain coverage quickly. It can be beneficial for those with health concerns or who need immediate coverage.

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MoneyGeek Top Pick
Protective

Protective is the premier provider of no-medical-exam life insurance in Fayetteville, boasting a MoneyGeek score of 91. This score reflects the company's commitment to excellence across key metrics.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Good affordability for women

Cons:

  • Buying process needs improvement

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Fayetteville, NC

How was this MoneyGeek score calculated?

Mutual of Omaha and Protective stand as the best term life insurance for seniors in Fayetteville, scoring 67 and 91 respectively. Mutual of Omaha offers men an average monthly premium of $39, while Protective charges women $34.

Age can determine life insurance premiums; as people age, the risk to insurers increases, which typically results in higher premiums for seniors.

Best Term Life Insurance for Seniors in Fayetteville
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$3992
2Protective$4591
3Nationwide$3991
4Allstate$4188
5Transamerica$4687
6Prudential$4886
7State Farm$6985
8AAA$6885
9Haven$7682

Best Term Life Insurance for Smokers in Fayetteville, NC

How was this MoneyGeek score calculated?

In Fayetteville, the best term life insurance for smokers is Mutual of Omaha for men, with a MoneyGeek score of 91 and an average monthly premium of $40. Women who smoke could fare best with Allstate, scoring 89 with a monthly cost of approximately $30.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers.

Best Term Life Insurance for Smokers in Fayetteville
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$2191
2Nationwide$2689
3Protective$3288
4Transamerica$1988
5Prudential$1987
6State Farm$3086
7Allstate$2986
8AAA$4085
9Haven$3983

Best Term Life Insurance for Young Adults in Fayetteville, NC

How was this MoneyGeek score calculated?

The best term life insurance for young adults is Mutual of Omaha for men, with a MoneyGeek score of 92 and an average monthly premium of $6. For women, Protective leads, scoring 92 with a premium of $5.

Age plays a crucial role in life insurance premiums. Younger individuals generally pay lower premiums because they are healthier and pose a lower risk to insurers.

Best Term Life Insurance for Young Adults in Fayetteville
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$692
2Protective$792
3Nationwide$790
4Allstate$788
5Transamerica$788
6AAA$1087
7Haven$886
8State Farm$1285
9Prudential$1085
10Bestow$1683

Best Cheap Term Life Insurance in Fayetteville, NC

How was this MoneyGeek score calculated?

In Fayetteville, Mutual of Omaha offers the best cheap term life insurance for men with a MoneyGeek score of 92 and an average monthly premium of $10. For women, Protective got the highest score of 91 with an average monthly premium of $8.

Factors such as age, health, coverage amount and term length influence life insurance premiums. To get the lowest costs, maintain a healthy lifestyle, choose a shorter term length and compare quotes from multiple providers.

Best Cheap Term Life Insurance in Fayetteville
Data filtered by:Results filtered by:
Sex:
Sex:M
1Mutual of Omaha$1092
2Nationwide$1191
3Protective$1191
4Allstate$1090
5Transamerica$1189
6Prudential$1484
7Haven$1484
8AAA$1784
9State Farm$1882

Average Cost of Term Life Insurance in Fayetteville, NC

Men in Fayetteville pay an average of $20 per month for term life insurance premiums. Women, on the other hand, pay an average of $15.

Several factors affect life insurance premiums, including age, health, lifestyle and the amount of coverage. Younger individuals and those in good health or with healthy lifestyles tend to pay less.

The cost of life insurance in Fayetteville might be higher or lower compared to the rest of North Carolina for various reasons. Local economic conditions, health statistics and lifestyle factors can all play a role. For example, areas with higher health care costs or higher rates of certain health conditions may see higher life insurance premiums.

Understanding these factors and your situation can help you make informed decisions about life insurance.

FAQ About Life Insurance in Fayetteville, NC

What company has the best life insurance in Fayetteville for men?

What is the monthly premium cost for the best life insurance for men in Fayetteville?

What company has the best life insurance in Fayetteville for women?

What is the monthly premium cost for the best life insurance for women in Fayetteville?

Is there anything different about life insurance in Fayetteville compared to the rest of North Carolina?

What happens to your life insurance if a company goes bankrupt in Fayetteville?

Why might Fayetteville residents need life insurance?

How do you find a lost life insurance policy in Fayetteville?

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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