Best Life Insurance in Fort Collins, CO (October 2024)


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In Fort Collins, Colorado, Protective stands out as the best life insurance provider for both men and women. With a MoneyGeek score of 92, it offers a strong balance of affordability and customer satisfaction. For women, the monthly premium is $25, while for men, it is $30.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. It's important to consider different factors when deciding on life insurance, as 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 Fort Collins, Colorado.

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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 InsuranceFort Collins, C
2024

Best Life Insurance Companies in Fort Collins

Overall Best Life Insurance in Fort Collins, CO

How was this MoneyGeek score calculated?

If you're looking for the best life insurance in Fort Collins, Protective is the top choice for men and women. With a MoneyGeek score of 92 and a monthly premium of $30 for men and $25 for women, Protective offers the best value.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $30 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $34 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $25 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $28 per month for women

Protective stands out due to its high MoneyGeek score and competitive monthly premiums. This makes it an excellent choice for the average individual looking to purchase life insurance in Fort Collins.

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MoneyGeek Top Pick
Protective

For those seeking life insurance in Fort Collins, Protective emerges as the top choice for men and women. With a MoneyGeek score of 92, Protective offers policies at a monthly premium of $25 for women and $30 for men. This reflects the company's commitment to affordability and customer satisfaction.

Pros:

  • High customer satisfaction
  • Noteworthy affordability
  • Stable financial foundation

Cons:

  • Buying process could improve

Best Term Life Insurance in Fort Collins, CO

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Fort Collins, Protectivestands out for men and women with a MoneyGeek score of 92 and a monthly premium of $14 for men and $13 for women. Protective offers a blend of affordability, customer satisfaction, and financial stability, making it a top choice for term life insurance shoppers.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $14 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $17 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for women

Term life insurance is a policy where coverage is provided for a certain period, offering a death benefit if the insured passes away during that term. For example, a parent might choose term life insurance to ensure their child's education is funded in case of their untimely death. This type of insurance is often preferred for its simplicity and lower premiums compared to whole life insurance.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider for women and men in Fort Collins, with a MoneyGeek score of 92 for both. Women seeking a term life policy can expect a monthly premium of $13 (for men, it’s $14), making it a top choice for value and security.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Fort Collins, CO

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Fort Collins for men and women, with a MoneyGeek score of 92. This score suggests that Protective offers a balance of affordability, customer satisfaction, financial stability and product diversity, making it an excellent choice for individuals seeking reliable long-term financial protection and investment growth.

The top providers for men are:

  • Protective: MoneyGeek score of 92 for men
  • Mutual of Omaha: MoneyGeek score of 91 for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 for women
  • Mutual of Omaha: MoneyGeek score of 91 for women

Whole life insurance is a permanent policy, providing coverage for the insured's entire life. Unlike term life insurance, which covers a specific period, whole life insurance includes an investment component, building cash value that can be borrowed against. This makes it an attractive option for individuals looking for both insurance and an investment vehicle, such as parents wanting to ensure their child's future financial stability.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for whole life insurance in Fort Collins, offering robust services for men and women. With a MoneyGeek Score of 92 for each, Protective demonstrates a commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Competitive affordability

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 Fort Collins, CO

How was this MoneyGeek score calculated?

For individuals in Fort Collins looking for the best universal life insurance, Protective stands out with a rounded MoneyGeek score of 91 for men and women. This score signifies a strong balance of affordability, customer satisfaction and financial stability, making Protective a top choice for those seeking reliable life insurance coverage.

The top providers for men are:

  • Protective: MoneyGeek score of 91 for men
  • Mutual of Omaha: MoneyGeek score of 90 for men

The top providers for women are:

  • Protective: MoneyGeek score of 91 for women
  • Mutual of Omaha: MoneyGeek score of 90 for women

Universal life insurance offers flexibility in premiums and death benefits, making it a suitable option for those who want a permanent life insurance solution with the potential for cash value growth. For example, a young professional might choose universal life insurance to lock in lower premiums while also investing in their policy's cash value for future financial needs.

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MoneyGeek Top Pick
Protective

Protective emerges as the top choice for universal life insurance in Fort Collins for both men and women, boasting an overall MoneyGeek score of 91. The company's commitment to customer satisfaction and affordability sets it apart in the market.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Fort Collins, CO

How was this MoneyGeek score calculated?

For those in Fort Collins seeking the best life insurance with no mandatory medical exam, Protective stands out with a MoneyGeek score of 63 for both men and women. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability, and product diversity.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek sczre of 88 out of 100 for men

The top providers for women are:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 88 out of 100 for women

No-medical-exam life insurance allows individuals to obtain coverage more quickly and without the need for a physical examination. For instance, someone with a busy schedule or a dislike of medical tests may prefer this option.

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MoneyGeek Top Pick
Protective

In Fort Collins, Protective emerges as the leading provider of no-medical-exam life insurance for both men and women, boasting a MoneyGeek score of 91 for each. This high score reflects the company's commitment to satisfying customers and offering affordable coverage options.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong 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 Fort Collins, CO

How was this MoneyGeek score calculated?

In Fort Collins, Protective stands out as the provider with the best term life insurance for seniors, with a MoneyGeek score of 92 for men and 91 for women, and monthly premiums of $65 and $58, respectively.

Age is a determining factor in life insurance premiums; as individuals age, the likelihood of health issues increases, leading to higher costs for insurers and subsequently higher premiums for policyholders. Protective's top scores reflect its commitment to customer satisfaction and financial stability.

Best Term Life Insurance for Seniors in Fort Collins
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$6592
2Mutual of Omaha$7491
3Nationwide$6690
4AAA$8588
5Allstate$7388
6Prudential$6488
7Transamerica$8187
8State Farm$11585
9Haven$12782

Best Term Life Insurance for Smokers in Fort Collins, CO

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance for smokers in Fort Collins, scoring 90 for men and 88 for women, with monthly premiums of $72 and $69, respectively. Smoking significantly influences life insurance costs due to the health risks it poses. Insurers often charge higher premiums to smokers to offset these risks.

Mutual of Omaha's high MoneyGeek score reflects its ability to provide competitive rates and a strong product offering, making it a compelling choice for smokers seeking term life insurance. The company's balance of affordability, customer satisfaction, financial stability, and product diversity underscores its top ranking, guiding smokers towards a reliable insurance option.

Best Term Life Insurance for Smokers in Fort Collins
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7290
2Nationwide$7589
3AAA$7888
4Protective$9988
5Prudential$5788
6Transamerica$7187
7State Farm$9585
8Allstate$11984
9Haven$11882

Best Term Life Insurance for Young Adults in Fort Collins, CO

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Fort Collins, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $8 for women and $9 for men.

Age significantly impacts life insurance premiums, with younger adults generally enjoying lower costs due to their lower risk profiles. Protective’s high MoneyGeek Score reflects its affordability, customer satisfaction, and financial stability, making it an excellent choice for young adults seeking reliable term life insurance.

Best Term Life Insurance for Young Adults in Fort Collins
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1191
3Nationwide$1189
4AAA$1288
5Allstate$1187
6Transamerica$1286
7Prudential$1385
8Haven$1384
9State Farm$1984
10Bestow$1983

Best Cheap Term Life Insurance in Fort Collins, CO

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Fort Collins, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $17. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $16. Nationwide scores high due to its easy buying process and affordability, while 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 Fort Collins
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1492
2Nationwide$1791
3Mutual of Omaha$1790
4Allstate$1889
5AAA$2088
6Transamerica$1988
7Prudential$1987
8Haven$2383
9State Farm$2982

Average Cost of Term Life Insurance in Fort Collins, CO

The average monthly premium for term life insurance in Fort Collins is $23 for women and $29 for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, and location. For example, younger individuals and those in good health typically pay lower premiums. Similarly, non-smokers and those with no risky hobbies or occupations often benefit from lower rates.

The cost of life insurance in Fort Collins might be different from other parts of Colorado due to various regional factors. These can include local health statistics, lifestyle differences and economic conditions. For instance, areas with higher rates of chronic illnesses or hazardous occupations might see higher premiums. Conversely, regions with a healthier population and lower risk factors might enjoy lower insurance costs.

FAQ About Life Insurance in Fort Collins, CO

What company has the best life insurance in Fort Collins for men?
What is the monthly premium cost for the best life insurance for men in Fort Collins?
What company has the best life insurance in Fort Collins for women?
What is the monthly premium cost for the best life insurance for women in Fort Collins?
Is there anything different about life insurance in Fort Collins compared to the rest of Colorado?
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Why might Fort Collins residents need life insurance?
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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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