Overall, State Farm offers the best life insurance in Nebraska and across the country, earning a MoneyGeek Score of 99 out of 100 for customer service, affordability, and coverage options. We also recommend GEICO, Nationwide, Haven, and Mutual of Omaha as some of the best affordable alternatives.
Best Life Insurance Companies in Nebraska (June 2025)
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Though life insurance costs don’t vary by location, the best choices for coverage in Nebraska are State Farm, GEICO, Nationwide, Haven, and Mutual of Omaha.
GEICO delivers the cheapest life insurance options in Nebraska and nationwide, with monthly rates beginning at $3.
To get the best life insurance in Nebraska, we recommend deciding on coverage beforehand, researching costs and companies, and comparing plenty of providers.
Best Life Insurance Providers in Nebraska
| State Farm | 99 | $5 |
| GEICO | 98 | $3 |
| Nationwide | 97 | $4 |
| Haven | 97 | $6 |
| Mutual of Omaha | 96 | $4 |
*Rates presented are for coverage levels between $250-$500K for a 20 year term life insurance plan for a 40-year-old man in good health who does not smoke.
Best Life Insurance in Nebraska by Category
While the top life insurance provider in Nebraska is the top choice for most, your ideal option might change based on your personal needs. Next, we’ll explore the leading providers tailored to common profiles.
| Young Adults | Bestow | $2 |
| Seniors | Ameritas | $22 |
| Smokers | Bestow | $11 |
| High Coverage | Farmers | $17 |
Compare Personalized Best Nebraska Life Insurance Picks
To help you find the best life insurance options, we've added a filterable table below, making it easy to tailor recommendations to your unique needs.
Data filtered by:Results filtered by:
Select
Age:41-50
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Gender:M
Select
Coverage Level:250k-500k
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Term:10
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Health Level:Excellent
| State Farm | 99 | $6 |
| GEICO | 98 | $4 |
| Nationwide | 97 | $4 |
| Haven | 97 | $9 |
| Mutual of Omaha | 96 | $5 |
| Protective | 95 | $6 |
| Prudential | 94 | $6 |
| AAA | 92 | $5 |
| Allstate | 92 | $4 |
| Transamerica | 90 | $4 |
Rates in this table differ from the main comparison due to the broader age range (41 to 50 vs. 40) and flexible term selection rather than a fixed 20-year term.
How to Find the Best Life Insurance in Nebraska
Here are some essential tips to help you choose the best life insurance plan in Nebraska:
- 1
Decide coverage beforehand
Determining how much life insurance you need is an essential step before purchasing. This helps you compare prices fairly and avoid being oversold by agents.
- 2
Research costs for your profile
Checking average life insurance costs for your coverage level and profile helps you ensure a good deal. Typically, location does not impact life insurance rates, so focus on coverage and personal factors.
- 3
Compare company reputations
While rates don’t vary by state, knowing a company’s reputation locally helps you find a better fit. Use resources like J.D. Power, online forums and independent agents for assessing providers.
- 4
Compare quotes through multiple avenues
Comparing quotes from various companies helps you see the best value. Pricing varies based on the source, whether an independent agent, online platform,or captive provider agent.
Best Life Insurance in Nebraska: Bottom Line
We found the top life insurance companies in Nebraska are State Farm, GEICO and Nationwide. While these are our recommendations, do your own research, decide on a coverage level and compare quotes to get the best deal possible.
Nebraska Life Insurance: FAQ
Below are expert answers to frequently asked questions about life insurance in Nebraska.
What is the best life insurance in Nebraska?
In Nebraska, State Farm earns the top spot for life insurance with nationwide praise for its service, affordable $61 annual pricing, and quality term policies.
How do you get the best life insurance in Nebraska?
To find top life insurance in Nebraska, first define your coverage goals, then meticulously research insurer track records and weigh costs against benefits.
Do life insurance rates differ by state?
No, life insurance rates are consistent across states, yet specific policy features and riders can differ based on location.
How We Decided the Best Life Insurance in Nebraska
MoneyGeek created a scoring system to compare life insurance companies across five categories and ranked them based on their scores. We selected companies to review based on their broad national coverage and ability to provide an online quote.
MoneyGeek's Scoring System
In our unique scoring system, companies can earn up to five points in each of five categories. We then use these category scores to calculate an overall MoneyGeek score out of 100. We applied the following base weightings to score insurers:
- Affordability: 60%
- Financial Stability: 5%
- Buying Process: 5%
- Customer Satisfaction: 20%
- Product Diversity: 10%
Each company's score incorporates:
- Cost data obtained through online quotes
- Financial strength ratings from AM Best and the number of years in business
- Customer satisfaction data from the National Association of Insurance Commissioners (NAIC) customer complaint index (we reviewed annual complaint data from 2020 to 2022, the most recent year available)
- Availability of tools to aid in the buying process, such as online product materials and multiple payment options
- Diversity of life insurance products offered
Sample Customer Profile
MoneyGeek used a standard profile to obtain life insurance quotes in Nebraska:
- 40-year-old nonsmoker
- Average height and healthy weight
- Excellent health rating
We modified the profile by age, gender, height, weight, tobacco use, health rating and geographic location to collect a variety of quotes and determine the best life insurance company for several types of customers. We collected quotes for term life insurance with varying term lengths and coverage amounts, as well.
When necessary, we identified trends in the dataset and used those patterns to calculate projections and extend the data beyond what was originally collected.
About Mark Fitzpatrick
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.