Best Life Insurance in Spring Valley, NV (October 2024)


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Protective is the best life insurance provider for both men and women in Spring Valley, Nevada, with a MoneyGeek score of 92 out of 100 for each. Protective offers an average monthly premium of $26 for men and $23 for women. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions. 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 Spring Valley, 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 InsuranceSpring Valley,
2024

Best Life Insurance Companies in Spring Valley

Overall Best Life Insurance in Spring Valley, NV

How was this MoneyGeek score calculated?

Protective offers the best life insurance for both men and women in Spring Valley, with a MoneyGeek score of 92 and an average monthly premium of $26 and $23, respectively.

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 $29 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $23 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $26 per month for women

Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and product diversity. This makes it a reliable choice for the average individual looking to purchase life insurance in Spring Valley.

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MoneyGeek Top Pick
Protective

Protective stands out as the leading life insurance provider in Spring Valley for both men and women, with a MoneyGeek score of 92. For men, the monthly premium is $26, while women have a premium of $23. This company offers a balance of cost and customer satisfaction, making it a top choice for life insurance needs.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Spring Valley, NV

How was this MoneyGeek score calculated?

In Spring Valley, Protective is the best term life insurance provider for both men and women, with a MoneyGeek score of 92 and monthly premiums of $13 for men and $12 for women. This company's combination of financial stability, customer satisfaction, and affordability makes it an optimal choice for individuals seeking reliable term coverage without overstretching their budget.

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 $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $16 per month for women

Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.

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MoneyGeek Top Pick
Protective

Protective offers the best term life insurance for men and women in Spring Valley, with a MoneyGeek score 92 out of 100 for each and monthly premiums of $13 and $12, respectively. Protective provides a balance of cost and quality coverage.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Spring Valley, NV

How was this MoneyGeek score calculated?

Protective is the top provider of the best whole life insurance in Spring Valley for both men and women, with a MoneyGeek score of 92 out of 100.

  • 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 provides 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 can be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective is the premier provider of whole life insurance in Spring Valley for both men and women, with MoneyGeek scores of 92 for each. Customers choose Protective for its exemplary service and stable financial footing.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Less diverse product options
  • 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 Spring Valley, NV

How was this MoneyGeek score calculated?

Protective emerges as the provider with the best universal life insurance in Spring Valley for both men and women, with a MoneyGeek score of 91.

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

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MoneyGeek Top Pick
Protective

Protective stands out as the leading provider of universal life insurance for both men and women in Spring Valley, with MoneyGeek scores of 91 for each. Their exceptional ratings reflect a strong balance of affordability and customer satisfaction, making them a reliable choice for life insurance seekers.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex buying process

Best No-Medical-Exam Life Insurance in Spring Valley, NV

How was this MoneyGeek score calculated?

In Spring Valley, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.

  • 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 medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier provider of no-medical-exam life insurance in Spring Valley for both men and women, boasting a stellar MoneyGeek score of 91. With its commitment to affordability and customer satisfaction, Protective ensures that securing life insurance is a smooth and reliable process for everyone.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong 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 Spring Valley, NV

How was this MoneyGeek score calculated?

In Spring Valley, Protective stands out with the best term life insurance for seniors, scoring 92 for men and 91 for women, with average monthly premiums of $55 and $53, respectively.

Age impacts life insurance premiums, with costs typically increasing as one grows older. Protective's high MoneyGeek score signifies a balance between cost and quality service, making it a strong choice for seniors who prioritize both.

Best Term Life Insurance for Seniors in Spring Valley
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$5592
2Mutual of Omaha$6291
3Nationwide$5790
4Allstate$5788
5AAA$7488
6Prudential$5488
7Transamerica$6987
8State Farm$10884
9Haven$11082

Best Term Life Insurance for Smokers in Spring Valley, NV

How was this MoneyGeek score calculated?

In Spring Valley, Mutual of Omaha stands out with the best term life insurance for smokers, with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of $62, while women's premium is $64.

Smoking significantly affects life insurance premiums due to the associated health risks, which can lead to higher costs for policyholders. Mutual of Omaha's high MoneyGeek score indicates a strong balance of affordability, customer satisfaction, financial stability and product diversity, making it a compelling choice for smokers in Spring Valley.

Best Term Life Insurance for Smokers in Spring Valley
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$6290
2Nationwide$6789
3Protective$8588
4Prudential$4988
5Transamerica$6187
6State Farm$8086
7AAA$10985
8Allstate$9584
9Haven$10483

Best Term Life Insurance for Young Adults in Spring Valley, NV

How was this MoneyGeek score calculated?

In Spring Valley, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 and an average monthly premium of $8.

Age plays a significant role in determining life insurance premiums because younger individuals generally pose a lower risk to insurers. This lower risk translates to more affordable premiums, making it easier for young adults to secure coverage. Protective's top MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Spring Valley
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$892
2Mutual of Omaha$991
3Nationwide$1089
4AAA$1188
5Allstate$988
6Transamerica$1087
7Prudential$1186
8Haven$1285
9State Farm$1884
10Bestow$1784

Best Cheap Term Life Insurance in Spring Valley, NV

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Spring Valley, Protective stands out for both men and women with a MoneyGeek score of 92. The average monthly premium is $13 for men and $12 for women. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

Best Cheap Term Life Insurance in Spring Valley
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1392
2Nationwide$1691
3Mutual of Omaha$1590
4Allstate$1589
5Transamerica$1688
6AAA$1888
7Prudential$1688
8Haven$2184
9State Farm$2882

Average Cost of Term Life Insurance in Spring Valley, NV

The average monthly premium for term life insurance in Spring Valley, Nevada, 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 Spring Valley might be higher or lower compared to other parts of Nevada due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Spring Valley 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 Spring Valley, NV

What company has the best life insurance in Spring Valley for men?

What is the monthly premium cost for the best life insurance for men in Spring Valley?

What company has the best life insurance in Spring Valley for women?

What is the monthly premium cost for the best life insurance for women in Spring Valley?

Is there anything different about life insurance in Spring Valley compared to the rest of Nevada?

What happens to your life insurance if a company goes bankrupt in Spring Valley?

Why might Spring Valley residents need life insurance?

How do you find a lost life insurance policy in Spring Valley?

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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