Best Life Insurance in Hampton, VA (August 2024)


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Updated: October 15, 2024

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Protective is the best life insurance company in Hampton, Virginia for men and women. The MoneyGeek score for men is 92 with a monthly premium of $25. For women, the MoneyGeek score is also 92, with a monthly premium of $20.

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, and 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 Hampton, Virginia.

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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 InsuranceHampton, VA
2024

Best Life Insurance Companies in Hampton

Overall Best Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

'Protective offers the best life insurance in Hampton for men and women, with a MoneyGeek score of 92 out of 100 and monthly premiums of $25 for men and $20 for women.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $25 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $28 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $20 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $22 per month for women

Protective stands out for its high MoneyGeek score and competitive premiums, making it an excellent choice for the average individual seeking life insurance in Hampton.

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MoneyGeek Top Pick
Protective

In Hampton, Virginia, Protective is the premier choice for life insurance for men and women. With a MoneyGeek score of 92 for both, Protective offers life insurance at a monthly premium of $20 for women and $25 for men.

This company's high scores indicate a strong balance of affordability, customer satisfaction and financial stability, making it a reliable option for life insurance seekers in Hampton.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Noteworthy affordability

Cons:

  • Buying process could improve

Best Term Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Hampton, Protective stands out for men and women. With a MoneyGeek score of 92 for men and 92 for women, and monthly premiums of $12 and $10, respectively, Protective offers a compelling option for term life insurance seekers.

The company's high scores reflect its strong customer satisfaction, affordability, and financial stability, making it an excellent choice for the average individual looking for reliable coverage without long-term commitment.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $14 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $10 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $13 per month for women

Term life insurance provides coverage for a specified period, offering a death benefit to beneficiaries should the policyholder pass away during the term. For instance, a parent might choose term insurance to ensure their child's education costs are covered in the event of their untimely death. It is a straightforward and often more affordable option than whole life insurance, appealing to those with specific, time-bound financial protection needs.

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MoneyGeek Top Pick
Protective

For women and men seeking term life insurance in Hampton, Protective stands out with a MoneyGeek score of 92. The company offers a monthly premium of $10 for women and $12 for men, making it a solid choice for those looking for a blend of value and reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

The company with the best whole life insurance in Hampton for men and women is Protective, with a MoneyGeek score of 92 out of 100. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable life insurance coverage.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 for men Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

The top providers for women are:

  • 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 is a type of permanent life insurance that provides coverage for the insured's entire lifetime, as long as premiums are paid. It can be an attractive option for those who want the certainty of fixed premiums and a cash value component that grows over time. For example, someone might choose whole life insurance to ensure their family's financial security, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

Protective stands out as the ideal choice for the best whole life insurance in Hampton, offering unmatched value for men and women. With MoneyGeek scores of 92 for both, Protective ensures comprehensive coverage with high customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • 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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Best Universal Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best universal life insurance in Hampton, with a MoneyGeek score of 91 for men and women. This score indicates a strong combination of affordability, customer satisfaction and financial stability.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 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 90 out of 100 for women

Universal life insurance provides flexibility in premiums and death benefits, which can be appealing for those needing long-term financial planning. For instance, someone might choose universal live insurance over term life insurance to build cash value that can be borrowed against, offering a financial safety net while still providing life insurance coverage.

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MoneyGeek Top Pick
Protective

Protective stands out as the best universal life insurance provider in Hampton for men and women, achieving a MoneyGeek score of 91. The company's excellence in customer satisfaction and strong financial stability make it a reliable choice for life insurance seekers in the area.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process not optimal
  • Limited product diversity

Best No-Medical-Exam Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

Protective provides the best life insurance without a required medical exam in Hampton, with a MoneyGeek score of 91 for men and women.

Protective's high score suggests reliability and a strong customer satisfaction record, making it an excellent choice for individuals seeking life insurance without the hassle of a medical exam. The company's financial stability and product diversity contribute to its top ranking, indicating a robust offering that caters to a variety of needs and preferences.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 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 90 out of 100 for women

No-medical-exam life insurance is an insurance policy that does not require a medical examination for approval. This can be particularly beneficial for individuals who have health concerns or want to expedite the insurance acquisition process. For example, a busy parent with little time for appointments might opt for no medical exam life insurance to ensure their family's financial security without delay.

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MoneyGeek Top Pick
Protective

Protective is the premier provider of no-medical-exam life insurance in Hampton for men and women. With a MoneyGeek score of 91 for both, this company exemplifies reliability and customer satisfaction.

Pros:

  • High customer satisfaction
  • Excellent 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 Hampton, VA

How was this MoneyGeek score calculated?

Protective stands out with the best term life insurance for seniors, with a MoneyGeek score of 92 for men and 91 for women. The monthly premiums are approximately $54 for men and $47 for women.

Age is a determining factor in life insurance premiums because older individuals pose a higher risk to insurers. Protective's leading MoneyGeek score reflects its strong performance across affordability, customer satisfaction, financial stability and product diversity. This comprehensive excellence is particularly relevant for seniors who require dependable coverage without compromising on cost or service quality.

Best Term Life Insurance for Seniors in Hampton
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$54MG Score out of 10092
2CompanyMutual of OmahaPremium$61MG Score out of 10091
3CompanyNationwidePremium$56MG Score out of 10090
4CompanyAllstatePremium$59MG Score out of 10088
5CompanyAAAPremium$72MG Score out of 10088
6CompanyPrudentialPremium$53MG Score out of 10088
7CompanyTransamericaPremium$67MG Score out of 10087
8CompanyState FarmPremium$107MG Score out of 10084
9CompanyHavenPremium$106MG Score out of 10082

Best Term Life Insurance for Smokers in Hampton, VA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for smokers in Hampton, Mutual of Omaha stands out for men and women. For men, it has a MoneyGeek score of 90 and a monthly premium of $60, while for women, it has a score of 88 and a premium of $55.

Smoking significantly influences life insurance premiums, as insurers view smokers as higher risk due to potential health issues, leading to higher costs. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability, and product offerings.

Best Term Life Insurance for Smokers in Hampton
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$60MG Score out of 10090
2CompanyNationwidePremium$63MG Score out of 10089
3CompanyAAAPremium$65MG Score out of 10088
4CompanyProtectivePremium$82MG Score out of 10088
5CompanyPrudentialPremium$47MG Score out of 10088
6CompanyTransamericaPremium$59MG Score out of 10087
7CompanyState FarmPremium$78MG Score out of 10085
8CompanyAllstatePremium$96MG Score out of 10084
9CompanyHavenPremium$98MG Score out of 10082

Best Term Life Insurance for Young Adults in Hampton, VA

How was this MoneyGeek score calculated?

The best term life insurance for young adults in Hampton is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $7.

Age plays a significant role in determining life insurance premiums. Younger adults generally enjoy lower premiums because they are considered lower risk. Protective's high MoneyGeek score is attributed to its affordability, strong customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Hampton
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$7MG Score out of 10092
2CompanyMutual of OmahaPremium$9MG Score out of 10091
3CompanyNationwidePremium$9MG Score out of 10089
4CompanyAAAPremium$10MG Score out of 10088
5CompanyAllstatePremium$9MG Score out of 10088
6CompanyTransamericaPremium$10MG Score out of 10087
7CompanyPrudentialPremium$11MG Score out of 10086
8CompanyHavenPremium$11MG Score out of 10085
9CompanyState FarmPremium$17MG Score out of 10084
10CompanyBestowPremium$15MG Score out of 10084

Best Cheap Term Life Insurance in Hampton, VA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Hampton for men and women, with a MoneyGeek score of 92 and monthly premiums of $10 and $12, respectively. Protective scores high in affordability, customer satisfaction, and financial stability.

Several factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, individuals should maintain excellent health, avoid tobacco use, and choose an appropriate coverage amount and term length.

Best Cheap Term Life Insurance in Hampton
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyNationwidePremium$15MG Score out of 10091
3CompanyMutual of OmahaPremium$14MG Score out of 10090
4CompanyAllstatePremium$15MG Score out of 10089
5CompanyAAAPremium$17MG Score out of 10088
6CompanyTransamericaPremium$16MG Score out of 10088
7CompanyPrudentialPremium$16MG Score out of 10087
8CompanyHavenPremium$20MG Score out of 10084
9CompanyState FarmPremium$27MG Score out of 10082

Average Cost of Term Life Insurance in Hampton, VA

The average monthly premium for term life insurance in Hampton is $19 for women and $25 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle and occupation. Insurers assess these factors to determine the risk associated with insuring an individual.

Life insurance costs in Hampton may be different from the rest of Virginia due to local health trends, economic conditions and specific risk factors in the area. For instance, higher healthcare costs or a greater prevalence of certain health conditions could lead to higher premiums. Conversely, a lower cost of living or better overall health among residents might result in lower premiums.

FAQ About Life Insurance in Hampton, VA

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

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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