Best Life Insurance in Gilbert, AZ (October 2024)


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In Gilbert, Arizona, the best life insurance provider varies by gender based on MoneyGeek scores. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $38. For men, Mutual of Omaha ranks highest with a MoneyGeek score of 91 and a monthly premium of roughly $67. These scores and premium costs are based on a 20-year term policy and $500,000 coverage.

Different factors affect life insurance decisions. 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 Gilbert, Arizona.

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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 InsuranceGilbert, AZ
2024

Best Life Insurance Companies in Gilbert

Overall Best Life Insurance in Gilbert, AZ

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best life insurance for men in Gilbert with a MoneyGeek score of 91 out of 100 at $67 per month. For women, Protective is the top provider with a MoneyGeek score of 92 out of 100 at $38 per month.

Top providers for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $67 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $74 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $38 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $47 per month for women

Mutual of Omaha's high MoneyGeek score for men indicates strong customer satisfaction, financial stability and product diversity. Protective's top score for women highlights its affordability and overall value.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha stands out in Gilbert as the best life insurance choice for men for as monthly premium of $67. With a MoneyGeek score of 91, it demonstrates a commitment to excellence and affordability in its services.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

In Gilbert, Protective is the best life insurance choice for women with a MoneyGeek score of 92, offering a monthly premium of $38. Protective stands out for its commitment to excellence and affordability in its services.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Gilbert, AZ

How was this MoneyGeek score calculated?

In Gilbert, Nationwide offers the best term life insurance for men with a MoneyGeek score of 91 at roughly $31 per month, while Protective leads for women with a score of 92 at $21 per month.

The top two term life insurance companies for men are:

  • Nationwide: MoneyGeek score of 91 out of 100 at $31 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $33 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $21 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $27 per month for women

Term life insurance provides coverage for a set period, paying a benefit if the insured dies during that time. For example, a parent might buy it to cover their child’s education if they pass away unexpectedly.

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MoneyGeek Top Pick
Nationwide

Nationwide stands out as the premier choice for term life insurance in Gilbert for men. With a MoneyGeek score of 91, it offers a monthly premium of about $31. This ranking shows Nationwide's commitment to providing value and satisfaction to its policyholders.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Mixed buying process experience
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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider in Gilbert for women, with a MoneyGeek score of 92 and an average monthly premium of $21, combining affordability with comprehensive coverage.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Gilbert, AZ

How was this MoneyGeek score calculated?

For those seeking the best whole life insurance in Gilbert, Protective stands out for both men and women, with a MoneyGeek score of 92 out of 100.

  • 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 provides coverage for the insured's life, coupled with a savings component. For example, someone might choose whole life insurance over term life insurance to ensure lifelong coverage and build cash value that can be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective is the best provider of whole life insurance in Gilbert for both men and women. With a MoneyGeek Score of 92 for each, Protective ensures a balance of affordability and customer satisfaction.

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 Gilbert, AZ

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best universal life insurance in Gilbert for both men and women, with a MoneyGeek score of 91.

  • 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 policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over term life insurance for the potential to accumulate cash value, which can be used to supplement retirement income.

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MoneyGeek Top Pick
Protective

Protective offers the best universal life insurance in Gilbert, Arizona, for both men and women, with a MoneyGeek score of 91 for each. Its commitment to customer satisfaction and financial stability sets it apart in the market.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex buying process

Best No-Medical-Exam Life Insurance in Gilbert, AZ

How was this MoneyGeek score calculated?

In Gilbert, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 9o and 91, respectively.

Best no-medical-exam life insurance for men:

  • Protective: MoneyGeek score of 90 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 medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier provider of no-medical-exam life insurance in Gilbert for both men and women, boasting an impressive MoneyGeek score of 90 and 91, respectively. These scores reflect the company's commitment to customer satisfaction and financial stability, making it a reliable choice for life insurance seekers in the area.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

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Best Term Life Insurance for Seniors in Gilbert, AZ

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Gilbert for women, with a MoneyGeek score of 90 and an average monthly premium of $100. For men, Mutual of Omaha leads with a score of 91 and a monthly premium of $123.

Age impacts life insurance premiums, as the risk to the insurer increases with the policyholder's age. Protective and Mutual of Omaha provide a balance of affordability, customer satisfaction, financial stability and product diversity. This mix contributes to their high MoneyGeek scores, making them the preferred options for seniors seeking reliable coverage.

Best Term Life Insurance for Seniors in Gilbert
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$12391
2Nationwide$11291
3Protective$17189
4Transamerica$12588
5Prudential$11387
6State Farm$18986
7Allstate$18885
8AAA$22185
9Haven$25882

Best Term Life Insurance for Smokers in Gilbert, AZ

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for smokers in Gilbert, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $75. For women, Allstate stands out with a score of 88 and a premium of $38.

Smoking impacts life insurance premiums, as insurers account for the heightened risk it poses to an individual's health. The top scores reflect a company's strong performance across various factors, including affordability and customer satisfaction.

Best Term Life Insurance for Smokers in Gilbert
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7590
2Nationwide$7589
3Allstate$6988
4Transamerica$6588
5Prudential$6088
6Protective$11487
7State Farm$10086
8AAA$12786
9Haven$13382

Best Term Life Insurance for Young Adults in Gilbert, AZ

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Gilbert. It has a MoneyGeek Score of 92 and an average monthly premium of $12 for women and a score of 91 with a $21 monthly premium for men.

Age plays a significant role in determining life insurance premiums. Younger individuals often benefit from lower premiums due to their lower risk profile. Protective stands out with its high MoneyGeek score, indicating a balanced offering of affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Gilbert
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$2191
2Mutual of Omaha$2191
3Nationwide$2091
4Transamerica$2387
5AAA$3486
6State Farm$3585
7Prudential$2885
8Haven$2884
9Allstate$3584
10Bestow$3983

Best Cheap Term Life Insurance in Gilbert, AZ

How was this MoneyGeek score calculated?

For men, Nationwide offers the best cheap term life insurance in Gilbert with a MoneyGeek Score of 93 and a monthly premium of roughly $31. For women, Protective is the top provider with a MoneyGeek Score of 92 and a monthly premium of $21.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, individuals should maintain good health, choose a shorter term length and opt for a lower coverage amount. Nationwide and Protective have the highest MoneyGeek scores due to their excellent affordability, customer satisfaction and financial stability.

Best Cheap Term Life Insurance in Gilbert
Data filtered by:Results filtered by:
Sex:
Sex:M
1Nationwide$3193
2Mutual of Omaha$3391
3Protective$3690
4Transamerica$3589
5Prudential$4086
6AAA$5484
7Allstate$5383
8State Farm$5482
9Haven$4981

Average Cost of Term Life Insurance in Gilbert, AZ

The average monthly premium for term life insurance in Gilbert is $37 for women and $62 for men. These figures highlight the cost difference based on gender in this area.

Several factors affect the cost of life insurance premiums. Age, health, lifestyle, occupation, policy term, coverage amount and the insurer all play a role in determining the price you pay.

In Gilbert, the cost of life insurance might be influenced by local health statistics, cost of living, crime rates, and economic conditions. These local factors can cause premiums to be higher or lower compared to other parts of Arizona. Understanding these elements can help you make more informed decisions about your life insurance needs.

FAQ About Life Insurance in Gilbert, AZ

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

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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