Best Life Insurance in Kentucky (October 2024)


Updated: October 4, 2024

Advertising & Editorial Disclosure

For men, Nationwide stands out as the leading life insurance provider, garnering a MoneyGeek score of 97 and an affordable monthly premium of $15. In contrast, women find their top choice in GEICO, with a MoneyGeek score of 96 and a monthly premium of only $12.

Choosing the best life insurance policy entails considering various factors such as coverage needs, financial stability and affordability.

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 Kentucky.

recency icon

Coverage costs and company information for life insurance providers were updated in May 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes

Best Life Insurance in Kentucky: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
NationwideRank1MoneyGeek Score97
GEICORank2MoneyGeek Score97
Mutual of OmahaRank3MoneyGeek Score95
ProtectiveRank4MoneyGeek Score94
State FarmRank5MoneyGeek Score93
AllstateRank6MoneyGeek Score92
HavenRank7MoneyGeek Score92
TransamericaRank8MoneyGeek Score92
PrudentialRank9MoneyGeek Score91
AAARank10MoneyGeek Score89

Overall Best Life Insurance in Kentucky

How was this MoneyGeek score calculated?

Nationwide is the best life insurance in Kentucky, showcasing a solid performance for both men and women. It has a MoneyGeek score of 97 for men and 96 for women, with an affordable monthly premium of $15 for each.

The top three highest MoneyGeek scores for life insurance in Kentucky are:

  • Nationwide: MoneyGeek score of 97 out of 100 ($15 per month for men and women)
  • GEICO: MoneyGeek score of 97 out of 100 ($13 per month for men and $12 for women)
  • Mutual of Omaha: MoneyGeek score of 95 out of 100 ($16 per month for men and $14 for women)

These top-tier companies offer the best mix of life insurance coverage options, affordability and customer satisfaction.

Overall Best for Men: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands as the best choice for the best life insurance in Kentucky for men, thanks to its high MoneyGeek score of 97. With affordable monthly premiums, Nationwide presents a financially sound option for securing life insurance that meets your needs and budget, priced at $15 per month.

Pros:

  • Excellent customer satisfaction
  • High affordability
  • Diverse product offerings

Overall Best for Women: GEICO

COMPANY HIGHLIGHTS

GEICO stands as the top choice for the best life insurance in Kentucky for women, garnering the highest MoneyGeek score of 96 with an exceptionally affordable monthly premium of $12.

Pros:

  • High levels of customer satisfaction
  • Exceptionally affordable premiums
  • Remarkably strong financial stability

Cons:

  • Limited product diversity
  • Average buying process

Best Term Life Insurance in Kentucky

How was this MoneyGeek score calculated?

Nationwide stands as the top provider of the best term life insurance in Kentucky for both men and women, with a MoneyGeek score of 97 and a monthly premium of $13 for men and $12 for women.

The top three highest MoneyGeek scores for term life insurance are as follows:

  • Nationwide: MoneyGeek score of 97 out of 100 ($13 per month for men and $12 for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($9 per month for men and women)
  • Mutual of Omaha: MoneyGeek score of 96 out of 100 ($11 per month for men and $10 for women)

Best Term Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands as the prime choice for the best term life insurance in Kentucky for both men and women. It received an overall MoneyGeek score of 97 and has a monthly premium of $13 for men and $12 for women.

Pros:

  • High customer satisfaction
  • Affordable premium rates
  • Diverse product offerings

Best Whole Life Insurance in Kentucky

How was this MoneyGeek score calculated?

State Farm stands as the premier provider of the best whole life insurance in Kentucky for both men and women, with a MoneyGeek score of 99 out of 100.

  • State Farm: MoneyGeek score of 99 out of 100
  • Nationwide: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 96 out of 100

Best Whole Life: State Farm

COMPANY HIGHLIGHTS

State Farm tops the list in Kentucky for both men and women. With an impressive overall MoneyGeek score of 99, this company stands out as the premier choice for your insurance needs.

Pros:

  • High customer satisfaction
  • Wide range of insurance products
  • Smooth buying process

Best Universal Life Insurance in Kentucky

How was this MoneyGeek score calculated?

Nationwide is the preeminent provider of the best universal life insurance in Kentucky for both men and women. It received a MoneyGeek score of 99.

The top three highest MoneyGeek scores for universal life insurance in Kentucky are:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 98 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best Universal Life: Nationwide

COMPANY HIGHLIGHTS

With a MoneyGeek score of 99, Nationwide stands out as the best universal life insurance provider in Kentucky for both men and women.

Pros:

  • High level of customer satisfaction
  • Competitive pricing on premiums
  • Broad range of insurance products

Best No-Medical-Exam Life Insurance in Kentucky

How was this MoneyGeek score calculated?

Nationwide is recognized as the company offering the best no-medical-exam life insurance in Kentucky for both men and women, with a MoneyGeek score of 99.

Here are the top three highest MoneyGeek scores:

  • Nationwide: MoneyGeek score of 99 out of 100
  • State Farm: MoneyGeek score of 99 out of 100
  • Mutual of Omaha: MoneyGeek score of 97 out of 100

Best for No-Medical-Exam: Nationwide

COMPANY HIGHLIGHTS

Nationwide stands out as the premier choice for the best no-medical-exam life insurance in Kentucky, catering seamlessly to both men and women. This top-ranking company earned an overall MoneyGeek score of 99, making it a leading option in the insurance market.

Pros:

  • High customer satisfaction
  • Competitive affordability
  • Diverse product offerings

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

Incognito iconYour information is anonymous and secure
Income icon
Saving icon
debt icon

Best Term Life Insurance for Seniors in Kentucky

How was this MoneyGeek score calculated?

Nationwide is the leading provider of the best term life insurance for seniors in Kentucky, topping the charts for both men and women. Nationwide received a MoneyGeek score of 99 for men and 97 for women, with monthly premiums at around $42 for men and $39 for women.

Best Term Life Insurance for Seniors in Kentucky
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$42MoneyGeek Score99
Mutual of OmahaRank2Monthly Premium$42MoneyGeek Score97
GEICORank3Monthly Premium$43MoneyGeek Score96
PrudentialRank4Monthly Premium$47MoneyGeek Score95
State FarmRank5Monthly Premium$74MoneyGeek Score94
TransamericaRank6Monthly Premium$45MoneyGeek Score94
AllstateRank7Monthly Premium$49MoneyGeek Score93
ProtectiveRank8Monthly Premium$58MoneyGeek Score93
AAARank9Monthly Premium$68MoneyGeek Score91
HavenRank10Monthly Premium$93MoneyGeek Score89

Best Term Life Insurance for Smokers in Kentucky

How was this MoneyGeek score calculated?

GEICO stands out as the best term life insurance for smokers in Kentucky, holding the highest MoneyGeek score for men at 96 and a competitive position for women with a score of 93. GEICO presents an affordable monthly premium of $22 for men and women alike.

The company's scores are attributed to its customer satisfaction, stability in the industry and overall affordability.

Best Term Life Insurance for Smokers in Kentucky
Data filtered by:Results filtered by:
Sex:
Sex:M
GEICORank1Monthly Premium$22MoneyGeek Score96
Mutual of OmahaRank2Monthly Premium$24MoneyGeek Score96
NationwideRank3Monthly Premium$29MoneyGeek Score96
State FarmRank4Monthly Premium$34MoneyGeek Score95
PrudentialRank5Monthly Premium$25MoneyGeek Score94
TransamericaRank6Monthly Premium$21MoneyGeek Score94
ProtectiveRank7Monthly Premium$36MoneyGeek Score91
AllstateRank8Monthly Premium$33MoneyGeek Score90
HavenRank9Monthly Premium$43MoneyGeek Score90
AAARank10Monthly Premium$45MoneyGeek Score89

Best Term Life Insurance for Young Adults in Kentucky

How was this MoneyGeek score calculated?

Nationwide stands out as the best term life insurance for young adults in Kentucky, securing the top MoneyGeek score for both men and women. For men, Nationwide has a remarkable MoneyGeek score of 97 and a monthly premium of $10, while for women, it impresses with a MoneyGeek score of 97 and a monthly premium of $8.

The company distinguishes itself with an excellent blend of customer satisfaction, affordability, diversity, processing efficiency and financial stability, the biggest contributors to its overall MoneyGeek score.

Best Term Life Insurance for Young Adults in Kentucky
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$8MoneyGeek Score97
GEICORank2Monthly Premium$6MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$7MoneyGeek Score96
ProtectiveRank4Monthly Premium$7MoneyGeek Score94
State FarmRank5Monthly Premium$14MoneyGeek Score94
HavenRank6Monthly Premium$9MoneyGeek Score93
AllstateRank7Monthly Premium$8MoneyGeek Score93
TransamericaRank8Monthly Premium$8MoneyGeek Score93
PrudentialRank9Monthly Premium$12MoneyGeek Score92
AAARank10Monthly Premium$12MoneyGeek Score91
BestowRank11Monthly Premium$18MoneyGeek Score89

Best Cheap Term Life Insurance in Kentucky

How was this MoneyGeek score calculated?

Allstate is the top provider for women with a MoneyGeek score of 97 and a monthly premium cost of $8, while GEICO takes the lead for men, scoring 97 with its monthly premium at $9.

These insurers offer the best cheap term life insurance in Kentucky, standing out mainly due to their high scores across financial strength indicators that contribute to the overall MoneyGeek score.

Best Cheap Term Life Insurance in Kentucky
Data filtered by:Results filtered by:
Gender:
Gender:M
GEICOMonthly Premium$9MoneyGeek Score97
Mutual of OmahaMonthly Premium$11MoneyGeek Score96
NationwideMonthly Premium$13MoneyGeek Score96
AllstateMonthly Premium$12MoneyGeek Score94
TransamericaMonthly Premium$13MoneyGeek Score93
ProtectiveMonthly Premium$12MoneyGeek Score93
State FarmMonthly Premium$21MoneyGeek Score89
PrudentialMonthly Premium$16MoneyGeek Score89
HavenMonthly Premium$16MoneyGeek Score88
AAAMonthly Premium$19MoneyGeek Score87

Average Cost of Term Life Insurance in Kentucky

The average costs of monthly premiums in Kentucky are $29 for women and $39 for men. Factors affecting the average cost of life insurance include age, health, lifestyle, occupation and coverage amount. The average cost of life insurance can vary significantly, so it's best to consider these aspects when purchasing a policy.

FAQ: Life Insurance in Kentucky

What is the best life insurance in Kentucky for men?
How much is life insurance in Kentucky for men?
What is the best life insurance in Kentucky for women?
How much is life insurance in Kentucky for women?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources