Best Life Insurance in Las Vegas, NV (October 2024)


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For both men and women, the best life insurance company in Las Vegas, Nevada, is Protective, with a MoneyGeek score 92. The average monthly premium for women is $24, and for men, it is $26.

Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Las Vegas, Nevada.

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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 InsuranceLas Vegas, NV
2024

Best Life Insurance Companies in Las Vegas

Overall Best Life Insurance in Las Vegas, NV

How was this MoneyGeek score calculated?

In Las Vegas, Protective is the best life insurance provider for men and women. It has a MoneyGeek score of 92 and offers average monthly premiums of $26 for men and $24 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $26 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $30 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $24 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $27 per month for women

Protective's affordability and customer satisfaction make it a reliable choice for life insurance in Las Vegas.

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MoneyGeek Top Pick
Protective

Protective is the premier life insurance provider in Las Vegas for men and women, with a MoneyGeek score of 92. Women can secure coverage at an average monthly premium of $24, while men can do the same for $26.

Pros:

  • High customer satisfaction
  • Competitive affordability
  • Solid financial stability

Cons:

  • Buying process could be improved

Best Term Life Insurance in Las Vegas, NV

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Las Vegas for both men and women. It has a MoneyGeek score of 92 and an average premium of $13 per month. This score suggests that Protective offers a reliable and cost-effective policy.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $15 per month for men

For women, the top two 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 that covers a specified term and offers a death benefit if the insured passes away during the term. It's often chosen for its simplicity and lower cost than permanent life insurance. For example, a parent might opt for term life insurance to fund their child's education should anything happen to them.

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MoneyGeek Top Pick
Protective

Protective is the top option for term life insurance for men and women in Las Vegas, with a MoneyGeek score of 92. An average monthly premium of $13 means value with reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be improved

Best Whole Life Insurance in Las Vegas, NV

How was this MoneyGeek score calculated?

Las Vegas residents seeking the best whole life insurance can turn to Protective, which has a MoneyGeek score of 92. It's a solid choice for those looking to secure their financial future with a reliable insurance policy.

Top whole life companies in Las Vegas:

  • 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 offers lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that they can borrow against in the future.

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MoneyGeek Top Pick
Protective

Protective is the premier option for the best whole life insurance in Las Vegas, boasting a MoneyGeek score of 92 for men and women. It offers robust coverage with affordability and exceptional customer service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be better

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 Las Vegas, NV

How was this MoneyGeek score calculated?

Protective is the best universal life insurance company in Las Vegas, with a MoneyGeek score of 91 for both men and women. Protective's high score suggests a balance of cost and quality service that could be beneficial for long-term financial planning.

Best universal life insurance companies:

  • 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 offers flexible premiums, a death benefit and the potential to build cash value over time. For instance, someone who wants to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies, providing security and flexibility.

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MoneyGeek Top Pick
Protective

For those seeking universal life insurance in Las Vegas, Protective is a reliable provider for men and women. It boasts a MoneyGeek score of 91, reflecting its commitment to excellence in service and value.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be improved

Best No-Medical-Exam Life Insurance in Las Vegas, NV

How was this MoneyGeek score calculated?

The best no-medical-exam insurance provider in Las Vegas is Protective, with a MoneyGeek score of 91 for both men and women. This score suggests that Protective offers a combination of affordability, customer satisfaction and financial stability.

Best life insurance companies that do not require a medical exam:

  • 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 without a required medical exam allows individuals to obtain coverage quickly. This can be particularly beneficial for those who need immediate coverage or have health issues that could complicate a traditional application process. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid being denied or facing higher premiums.

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MoneyGeek Top Pick
Protective

In Las Vegas, Protective provides men and women with the best no-medical-exam life insurance, boasting a MoneyGeek score of 91.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Room for improvement in the buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Las Vegas, NV

How was this MoneyGeek score calculated?

In Las Vegas, Protective offers the best term life insurance for seniors. It received a MoneyGeek score of 92 for men and 91 for women and offers average monthly premiums of $56 and $55, respectively.

Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Protective's MoneyGeek score reflects its commitment to affordability, customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Seniors in Las Vegas
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$5692
2Mutual of Omaha$6391
3Nationwide$5890
4Allstate$5888
5AAA$7588
6Prudential$5588
7Transamerica$7087
8State Farm$11084
9Haven$11282

Best Term Life Insurance for Smokers in Las Vegas, NV

How was this MoneyGeek score calculated?

In Las Vegas, Mutual of Omaha stands out with the best term life insurance for smokers. It got impressive MonetGeek scores of 90 for men and 89 for women, with average monthly premiums of $63 and $67, respectively.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha provides valuable coverage at competitive prices. This information is crucial for smokers who need a reliable policy that can accommodate their circumstances without compromising quality or cost.

Best Term Life Insurance for Smokers in Las Vegas
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$6390
2Nationwide$6889
3Protective$8788
4Prudential$5088
5Transamerica$6287
6State Farm$8286
7AAA$11285
8Allstate$9784
9Haven$10683

Best Term Life Insurance for Young Adults in Las Vegas, NV

How was this MoneyGeek score calculated?

In Las Vegas, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 and a monthly premium of approximately $8.

Age is crucial in determining life insurance premiums, with younger adults typically benefiting from lower rates. Choosing a reliable term life insurance is essential for securing financial protection at a reasonable cost.

Best Term Life Insurance for Young Adults in Las Vegas
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$892
2Mutual of Omaha$1091
3Nationwide$1089
4AAA$1188
5Allstate$1088
6Transamerica$1087
7Prudential$1186
8Haven$1285
9State Farm$1984
10Bestow$1784

Best Cheap Term Life Insurance in Las Vegas, NV

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Las Vegas, Protective is the top pick for both men and women. It has a MoneyGeek score of 92 and a monthly premium of about $13.

Factors such as age, health, coverage amount and term length affect life insurance costs. To get the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount.

Best Cheap Term Life Insurance in Las Vegas
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1392
2Nationwide$1691
3Mutual of Omaha$1590
4Allstate$1589
5Transamerica$1788
6AAA$1888
7Prudential$1788
8Haven$2184
9State Farm$2982

Average Cost of Term Life Insurance in Las Vegas, NV

The average monthly premium for term life insurance in Las Vegas is $23 for women and $26 for men.

Many factors affect life insurance premiums, including age, health, lifestyle and the amount of coverage you choose. Insurers assess these factors to determine the risk for them by insuring you.

The cost of life insurance in Las Vegas might differ from the rest of Nevada due to local health statistics, economic conditions, specific regional risk factors and other reasons. For example, premiums might be higher if a region has higher health care costs or a higher case of certain health conditions. Conversely, areas with lower living costs or better overall health statistics might see lower premiums.

Always consider your circumstances and the specific conditions of your area when evaluating your options.

FAQ About Life Insurance in Las Vegas, NV

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

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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