In Overland Park, Kansas, the best life insurance provider for women is Protective with a MoneyGeek score of 91 and an average monthly premium of $41. For men, the best provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $65. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. When deciding on life insurance, consider different factors that may affect your choice. Your unique needs might mean a different company is best for you.
Best Life Insurance in Overland Park, KS (November 2024)
Protective is the best life insurance in Overland Park, Kansas for women with a MoneyGeek score of 91 and a monthly premium of $41, excelling in customer satisfaction, while Mutual of Omaha is best for men with a MoneyGeek score of 91 and a monthly premium of $65.
Updated: November 7, 2024
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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 Overland Park, Kansas.
Coverage costs and company information for life insurance providers were updated in October 2024.
Best Life Insurance Companies in Overland Park
Overall Best Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
This was done using the average profile with a 20-year term policy and $500K coverage.
In Overland Park, Mutual of Omaha offers the best life insurance for men with a MoneyGeek score of 91 out of 100 at an average of $65 per month, while Protective is the top provider for women with a MoneyGeek score of 91 out of 100 at $41 per month.
Top Providers for Men:
- Mutual of Omaha: MoneyGeek score of 91 out of 100 at $65 per month for men
- Protective: MoneyGeek score of 91 out of 100 at $67 per month for men
Top Providers for Women:
- Protective: MoneyGeek score of 91 out of 100 at $41 per month for women
- Mutual of Omaha: MoneyGeek score of 89 out of 100 at $52 per month for women
Mutual of Omaha and Protective have the highest ratings, making them ideal choices for those seeking reliable life insurance in Overland Park. Their high MoneyGeek scores indicate strong overall performance in affordability, customer satisfaction, and financial stability, making them dependable options for the average individual.
Mutual of Omaha
In Overland Park, Protective stands out as the premier life insurance provider for women, with a MoneyGeek score of 92, while Mutual of Omaha earns the top spot for men, scoring 91. Protective offers a monthly premium of $41 for women, and Mutual of Omaha's premium for men is $65. Both companies excel in customer satisfaction and financial stability, ensuring a reliable choice for life insurance needs.
Pros:
- High customer satisfaction
- Strong financial stability
- Good affordability
Pros:
- High customer satisfaction
- Strong financial stability
- Good affordability
Best Term Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Quotes gathered were for a $250K life insurance policy with a 10-year term.
In Overland Park, Mutual of Omaha stands out for men with a MoneyGeek score of 91 at $32 per month, while Protective leads for women with a score of 92 at $22 per month. The high scores suggest these companies offer the best term life insurance, factoring in customer satisfaction, financial stability and product diversity. Choosing the best provider hinges on a balance between cost and quality, making these companies prime choices for term life insurance seekers. Here are the top performers:
The top two term life insurance companies for men are:
- Mutual of Omaha: MoneyGeek score of 91 out of 100 at $32 per month for men
- Protective: MoneyGeek score of 92 out of 100 at $22 per month for women
For women, the top two are:
- Protective: MoneyGeek score of 91 out of 100 at $33 per month for men
- Mutual of Omaha: MoneyGeek score of 90 out of 100 at $29 per month for women
Term life insurance provides a death benefit for a set period, offering peace of mind at a lower cost compared to whole life insurance. For instance, a parent might choose term insurance to ensure their child's education costs are covered should the unexpected occur.
Mutual of Omaha
In Overland Park, Mutual of Omaha emerges as the premier choice for men seeking term life insurance. With a commanding MoneyGeek score of 91 and a monthly premium of $32, it offers a blend of value and reliability. The company's high scores in key areas reflect its commitment to serving its customers effectively.
Pros:
- High customer satisfaction
- Excellent affordability
- Strong financial stability
Cons:
- Buying process could improve
Protective
Protective stands out as the best term life insurance provider in Overland Park for women, with a MoneyGeek score of 92, combining affordability with comprehensive coverage.
Pros:
- High customer satisfaction
- Excellent affordability
- Strong financial stability
Cons:
- Buying process could improve
Best Whole Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
- Financial Stability: 35%
- Customer Satisfaction: 30%
- Buying Process: 15%
- Product Diversity: 20%
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
Protective is the provider of the best whole life insurance in Overland Park for both men and women, with a MoneyGeek score of 92. This score suggests that Protective stands out in terms of affordability, customer satisfaction and financial stability, making it a solid choice for individuals looking to secure their financial future with a whole life insurance policy. Here are the top scores for men and women in Overland Park:
Top whole life companies for men in Overland Park:
- Protective: MoneyGeek score of 92 out of 100 for men
- Mutual of Omaha: MoneyGeek score of 91 out of 100 for men
Top whole life companies for women in Overland Park:
- 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 offers a death benefit alongside a savings component. This allows policyholders to provide for their beneficiaries and accumulate cash value over time. For example, someone might choose best whole life insurance over term life insurance because they want coverage that lasts their entire lives and can also serve as an investment opportunity.
Protective
Protective is the top choice for whole life insurance in Overland Park for both men and women, with an overall MoneyGeek score of 92 for each. This score reflects a balance of affordability and customer satisfaction that Protective offers to its policyholders.
Pros:
- High customer satisfaction
- Affordable rates
- Strong financial stability
Cons:
- Less convenient buying process
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.
Best Universal Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
- Financial Stability: 25%
- Customer Satisfaction: 25%
- Buying Process: 25%
- Product Diversity: 25%
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies, over a 10-year term for $250K coverage.
Protective is the top provider of the best universal life insurance in Overland Park, boasting a MoneyGeek score of 91 for both men and women. This score suggests that Protective stands out in key areas such as customer satisfaction, affordability, financial stability and product diversity.
Best universal life insurance for men:
- Protective: MoneyGeek score of 91 out of 100 for men
- Mutual of Omaha: MoneyGeek score of 90 out of 100 for men
Best universal life insurance for women:
- Protective: MoneyGeek score of 91 out of 100 for women
- Mutual of Omaha: MoneyGeek score of 90 out of 100 for women
MoneyGeek score of 90 out of 100 for women Universal life insurance is a flexible type of life insurance that offers both a death benefit and a savings element, which can grow on a tax-deferred basis.
Protective
Protective stands out as the premier provider of universal life insurance in Overland Park for both men and women, with a MoneyGeek score of 91 for each. This score reflects the company's commitment to satisfying customer needs and maintaining financial stability. Consumers can trust in Protective's ability to offer quality insurance solutions tailored to their unique circumstances.
Pros:
- High customer satisfaction
- Strong financial stability
Cons:
- Buying process could improve
Best No-Medical-Exam Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
- Financial Stability: 20%
- Customer Satisfaction: 25%
- Buying Process: 20%
- Product Diversity: 35%
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams, for a 10-year term with $250K coverage if the insuree was in poor health.
The Protective company emerges as the best no-medical-exam life insurance provider in Overland Park, with a MoneyGeek score of 91 for both men and women. This score reflects the company's strong performance across various factors, including cost, customer satisfaction and financial stability.
Best no-medical-exam life insurance for men:
- Protective: MoneyGeek score of 91 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
This life insurance allows individuals to obtain coverage quickly and without the need for a medical assessment. For example, someone with a busy lifestyle or a pre-existing condition might opt for the best life insurance without a medical exam over traditional policies to avoid the inconvenience and potential barriers of a health examination.
Protective
Protective stands out as the best no-medical-exam life insurance provider in Overland Park for both men and women, with a MoneyGeek score of 91 for each. Their offerings are tailored to meet the needs of customers seeking reliable coverage without the hassle of a medical exam. Here's a closer look at what makes Protective a top choice:
Pros:
- High customer satisfaction
- Strong affordability
- Solid financial stability
Cons:
- Buying process could improve
Recommended Life Insurance Coverage Amount:
Best Term Life Insurance for Seniors in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
In Overland Park, Mutual of Omaha stands out for men with a MoneyGeek score of 91 and an average monthly premium of $132. For women, Protective leads with a score of 91 and a premium of $94. Age is a factor in life insurance premiums because the risk of insuring an individual increases with age. The best term life insurance for seniors must balance affordability with comprehensive coverage. The highest MoneyGeek scores indicate a strong combination of customer satisfaction, affordability and financial stability, which are vital for seniors seeking reliable term life insurance.
- F
- M
1 | Mutual of Omaha | $132 | 91 |
2 | Nationwide | $112 | 91 |
3 | Protective | $142 | 91 |
4 | Allstate | $128 | 88 |
5 | Prudential | $129 | 87 |
6 | Transamerica | $147 | 87 |
7 | AAA | $216 | 85 |
8 | State Farm | $223 | 85 |
9 | Haven | $248 | 82 |
Best Term Life Insurance for Smokers in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
For those seeking the best term life insurance for smokers in Overland Park, Mutual of Omaha stands out for both men and women. With a MoneyGeek Score of 90 and a monthly premium of $72 for men, and a score of 88 with a $66 average premium for women, this company offers competitive rates and high-quality coverage.
Smoking is a significant factor in determining life insurance premiums, as it increases health risks and potential claims costs for insurers. Mutual of Omaha's top scores reflect their ability to balance cost with customer satisfaction, financial stability, and product diversity. These scores are crucial for individuals looking for reliable life insurance coverage that accommodates the risks associated with smoking.
- F
- M
1 | Mutual of Omaha | $72 | 90 |
2 | Nationwide | $71 | 89 |
3 | Protective | $103 | 88 |
4 | Transamerica | $64 | 88 |
5 | Prudential | $58 | 88 |
6 | State Farm | $90 | 86 |
7 | AAA | $119 | 85 |
8 | Allstate | $99 | 85 |
9 | Haven | $124 | 82 |
Best Term Life Insurance for Young Adults in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
For those seeking the best term life insurance for young adults in Overland Park, Protective stands out with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium for men is $20, while for women, it's $13. Age significantly impacts life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high scores in affordability, customer satisfaction, and financial stability make it a top choice. Young adults in Overland Park can rely on Protective for comprehensive coverage and excellent service.
- F
- M
1 | Protective | $20 | 91 |
2 | Mutual of Omaha | $20 | 91 |
3 | Nationwide | $19 | 91 |
4 | Allstate | $20 | 88 |
5 | Transamerica | $22 | 87 |
6 | AAA | $31 | 86 |
7 | Prudential | $26 | 85 |
8 | Haven | $26 | 85 |
9 | State Farm | $37 | 84 |
10 | Bestow | $36 | 83 |
Best Cheap Term Life Insurance in Overland Park, KS
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
- Affordability: 50%
- Financial Stability: 15%
- Buying Process: 20%
- Customer Satisfaction: 5%
- Product Diversity: 10%
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
For the best cheap term life insurance in Overland Park, Nationwide scores highest for men with a MoneyGeek score of 93 and an average monthly premium of $29. Protective leads for women with a MoneyGeek score of 92 and a monthly premium of $22. Factors affecting life insurance premiums include age, health, coverage amount, and term length.
To get the lowest premiums, maintain excellent health, avoid tobacco and choose a shorter term length with adequate coverage. Nationwide and Protective stand out due to their affordability, customer satisfaction, and financial stability. These factors make them top choices for those seeking the best cheap term life insurance in Overland Park.
- F
- M
1 | Nationwide | $29 | 93 |
2 | Mutual of Omaha | $32 | 91 |
3 | Protective | $33 | 91 |
4 | Allstate | $32 | 90 |
5 | Transamerica | $35 | 89 |
6 | Prudential | $39 | 87 |
7 | AAA | $51 | 84 |
8 | Haven | $46 | 83 |
9 | State Farm | $58 | 82 |
Average Cost of Term Life Insurance in Overland Park, KS
The average monthly premium for term life insurance in Overland Park, Kansas, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Overland Park might be higher or lower compared to other parts of Kansas due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Overland Park has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
FAQ About Life Insurance in Overland Park, KS
Mutual of Omaha offers the best life insurance for men in Overland Park. The company has the highest MoneyGeek score, making it a top choice for male residents.
The monthly premium cost for the best life insurance for men in Overland Park, offered by Mutual of Omaha, is $65. This cost provides comprehensive coverage and excellent customer satisfaction.
Protective offers the best life insurance for women in Overland Park. The company has the highest MoneyGeek score, making it a top choice for female residents.
The monthly premium cost for the best life insurance for women in Overland Park, offered by Protective, is $41. This cost provides comprehensive coverage and excellent customer satisfaction.
Life insurance in Overland Park is comparable to the rest of Kansas. Both areas offer similar premium costs and coverage options. For example, Mutual of Omaha and Protective are top-rated companies in both Overland Park and the broader Kansas region.
If a life insurance company goes bankrupt in Overland Park, state guaranty associations typically step in to protect policyholders. These associations ensure that claims are paid and coverage continues, providing a safety net for residents.
Overland Park residents might need life insurance to provide financial security for their families. Life insurance can cover funeral costs, pay off debts, and replace lost income, ensuring that loved ones are financially protected in the event of the policyholder's death.
To find a lost life insurance policy in Overland Park, contact the insurance company directly or use online databases such as the National Association of Insurance Commissioners' Life Insurance Policy Locator. These resources can help locate missing policies.
About Mark Fitzpatrick
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.
sources
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- Harvard Health Publishing. "Why Men Often Die Earlier Than Women." Accessed October 5, 2024.
- Life Insurance Marketing and Research Association (LIMRA). "Facts About Life Insurance 2021." Accessed October 5, 2024.
- NAIC. "Consumer Insurance Search Results." Accessed October 5, 2024.
- S&P Global. "2020 Annual Report." Accessed October 5, 2024.