Best Life Insurance in Garland, TX (November 2024)


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Protective is the best life insurance company in Garland, Texas, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $39 and $29, respectively. These figures are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider your age, health and financial goals. 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 Garland, Texas.

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We updated life insurance providers' coverage costs and company information in October 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceGarland, TX
2024

Best Life Insurance Companies in Garland

Overall Best Life Insurance in Garland, TX

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Garland, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $39 for males and $29 for females.

Top providers for men:

  • Protective: MoneyGeek score of 91 out of 100 at $39 per month
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $39 per month

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month

Protective's high scores and competitive premiums make it an excellent choice for life insurance.

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MoneyGeek Top Pick
Protective

Protective is Garland's top life insurance provider, with MoneyGeek scores of 91 for men and 92 for women and monthly premiums of $39 and $29, respectively.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex buying process

Best Term Life Insurance in Garland, TX

How was this MoneyGeek score calculated?

For men seeking the best term life insurance in Garland, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $19. Women find their top choice with Protective, scoring 92 at $16 monthly. These companies offer a balance of affordability, customer satisfaction and financial stability.

Top term life insurance companies for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $19 per month
  • Protective: MoneyGeek score of 91 out of 100 at $19 per month

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $21 per month

Term life insurance provides coverage for a specific term, such as 10, 20 or 30 years. It's an affordable way to ensure financial security for loved ones during untimely death. For example, a parent might purchase term life insurance to cover the years until their children are financially independent.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha is the top term life insurance provider for men in Garland, with a MoneyGeek score of 91. Offering a monthly premium of $19, it offers a balance of cost and quality service.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Nothing significant
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MoneyGeek Top Pick
Protective

Protective is the top choice for women seeking term life insurance in Garland. With a MoneyGeek score of 92 and a monthly premium of $16, it balances cost effectiveness with quality coverage.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Garland, TX

How was this MoneyGeek score calculated?

Protective is the best whole life insurance provider in Garland, with a MoneyGeek score of 92 for men and women. This score reflects a strong balance 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 provides lifelong coverage and an investment component that builds cash value. People who want a policy that serves as a financial safety net and a savings option may choose whole life insurance over term policies, which provide coverage only for a set time.

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MoneyGeek Top Pick
Protective

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

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could be smoother

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 Garland, TX

How was this MoneyGeek score calculated?

Protective has Garland's best universal life insurance, with a MoneyGeek score of 91 for men and women. This score reflects a strong balance of 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

Universal life insurance is a flexible permanent policy that provides a death benefit and a savings component that grows tax-deferred. People may choose it over term life insurance because they can adjust premiums and coverage as their needs change.

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MoneyGeek Top Pick
Protective

Protective is the leading universal life insurance provider in Garland, with a MoneyGeek score of 91 for men and women. This score reflects a strong balance of customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons: None

Best No-Medical-Exam Life Insurance in Garland, TX

How was this MoneyGeek score calculated?

In Garland, Protective offers the best life insurance without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects strong performance in 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 coverage without a health checkup. This can benefit those who need quick coverage or have health issues that might disqualify them from traditional policies. Someone with a chronic illness might opt for it to ensure they get covered quickly without the risk of being denied due to their health condition.

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MoneyGeek Top Pick
Protective

Protective is the top choice for life insurance without the hassle of a medical examination in Garland. Its MoneyGeek score of 91 for men and women demonstrates a strong balance of customer satisfaction and value.

Pros:

  • High customer satisfaction
  • Affordable coverage for women
  • 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 Garland, TX

How was this MoneyGeek score calculated?

For older men seeking the best term life insurance for seniors in Garland, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $77. Protective is the top choice for women, scoring 92 and charging $67 monthly.

Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha and Protective have competitive rates and high MoneyGeek scores, indicating a solid balance of affordability, customer satisfaction and financial stability — critical factors for seniors seeking reliable coverage.

Best Term Life Insurance for Seniors in Garland
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7791
2Nationwide$6491
3Protective$8390
4Prudential$7786
5Transamerica$8886
6Allstate$10486
7AAA$12285
8State Farm$11585
9Haven$14182

Best Term Life Insurance for Smokers in Garland, TX

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for smokers in Garland, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $42. Women will find Allstate as the top option, scoring 89 with a monthly premium of $30.

Smoking raises life insurance costs due to added health risks, which insurers factor into premiums. Mutual of Omaha's high score for men highlights its strong customer satisfaction and financial stability. Allstate offers women a balance of affordability and product options.

Best Term Life Insurance for Smokers in Garland
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$4291
2Nationwide$3990
3Allstate$3888
4Transamerica$3888
5Protective$6088
6Prudential$3688
7State Farm$5685
8AAA$6985
9Haven$6982

Best Term Life Insurance for Young Adults in Garland, TX

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Garland, with a MoneyGeek score of 92 and average monthly premiums of $12 for men and $10 for women.

Age significantly influences life insurance premiums, with younger adults typically benefiting from lower costs. Protective's high MoneyGeek score reflects its strong performance in key areas such as affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Garland
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1292
2Mutual of Omaha$1291
3Nationwide$1191
4Transamerica$1387
5AAA$1885
6Prudential$1585
7State Farm$1985
8Allstate$1985
9Haven$1584
10Bestow$2183

Best Cheap Term Life Insurance in Garland, TX

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Garland, Nationwide leads for men with a MoneyGeek score of 93 and an average monthly premium of $17. Protective is the top option for women, with a MoneyGeek score of 92 at $16 monthly.

Factors affecting premiums include age, health and coverage amount. To get the lowest rates, maintain a healthy lifestyle, choose a suitable coverage amount and compare different providers.

Best Cheap Term Life Insurance in Garland
Data filtered by:Results filtered by:
Sex:
Sex:M
1Nationwide$1793
2Mutual of Omaha$1991
3Protective$1991
4Transamerica$2188
5Prudential$2386
6AAA$3084
7Allstate$2984
8State Farm$3082
9Haven$2782

Average Cost of Term Life Insurance in Garland, TX

The average monthly costs of term life insurance in Garland are $35 for men and $29 for women. Several factors influence premiums, including age, health, lifestyle, occupation, coverage amount and term length.

Life insurance costs in Garland might be higher or lower than in the rest of Texas for various reasons, such as local health statistics, economic conditions and city-specific risk factors.

Understanding these factors can help you make more informed decisions when purchasing life insurance.

FAQ: Life Insurance in Garland, TX

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

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

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

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

Is there anything different about life insurance in Garland compared to the rest of Texas?

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

Why might Garland residents need life insurance?

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

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.