Best Life Insurance in Texas (May 2024)


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Updated: July 22, 2024

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For men, Nationwide is the top life insurance provider with a MoneyGeek score of 97 and an affordable monthly premium of $32. For women, Nationwide is also the best provider, achieving a MoneyGeek score of 96 and a lower monthly premium of $29.

When exploring life insurance options, several key elements should be considered, such as coverage needs, budget constraints, provider stability and customer satisfaction.

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 Texas.

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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 Texas: Summary

Data filtered by:Results filtered by:
Category:
Category:Best Life Insurance Overall
Gender:
Gender:M
NationwideRank1MoneyGeek Score97
GEICORank2MoneyGeek Score97
Mutual of OmahaRank3MoneyGeek Score95
State FarmRank4MoneyGeek Score94
ProtectiveRank5MoneyGeek Score93

Overall Best Life Insurance in Texas

How was this MoneyGeek score calculated?

Nationwide offers the best life insurance in Texas, leading the charts for both men and women. With its exceptional MoneyGeek score of 97 for men and 96 for women, Nationwide remains the frontrunner in the market. Men can expect to pay a monthly premium of $32, while women are quoted at $29.

Top three life insurance providers in Texas:

  • Nationwide: MoneyGeek score of 97 out of 100 ($32 per month for men; $29 per month for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($25 per month for men; $24 per month for women)
  • Mutual of Omaha: MoneyGeek score of 95 out of 100 ($32 per month for men; $28 per month for women)

Best for Men: Nationwide

COMPANY HIGHLIGHTS

Nationwide leads with the best life insurance for men in Texas. With an overall MoneyGeek score of 97 and an affordable monthly premium of $32, this reputable insurer meets the needs of Texas men looking for reliable coverage.

Pros:

  • High customer satisfaction
  • Favorable affordability
  • Diverse product options

Best for Women: Nationwide

COMPANY HIGHLIGHTS

Nationwide has the best life insurance in Texas for women, with a top MoneyGeek score of 96 and a reasonable monthly premium of approximately $29. Nationwide prioritizes customer satisfaction and has diverse product offerings.

Pros:

  • Exceptional customer satisfaction ratings
  • Diverse range of insurance products
  • Efficient buying process

Best Term Life Insurance in Texas

How was this MoneyGeek score calculated?

Nationwide is the standout provider, offering the best term life insurance in Texas for both men and women. With a MoneyGeek score of 97 for men and 97 for women, Nationwide delivers reliable coverage at a monthly premium of approximately $23 for men and $22 for women.

Discover your options for the best term life insurance with our top three highest-scoring companies:

  • Nationwide: MoneyGeek score of 97 out of 100 ($23 per month for men; $22 per month for women)
  • GEICO: MoneyGeek score of 97 out of 100 ($18 per month for men; $18 per month for women)
  • Mutual of Omaha MoneyGeek score of 95 out of 100 ($25 per month for men; $24 per month for women)

Best Term Life: Nationwide

COMPANY HIGHLIGHTS

Nationwide, with an overall MoneyGeek score of 97, is the best term life insurance in Texas for both men and women. Offering competitively priced policies with a monthly premium of $23, Nationwide combines excellence in customer service, affordability, and a diverse range of products with an easy buying process.

Pros:

  • Highly rated in customer satisfaction
  • Strong affordability of plans
  • Wide range of insurance products

Best Whole Life Insurance in Texas

How was this MoneyGeek score calculated?

State Farm provides the best whole life insurance in Texas for both men and women, with a MoneyGeek score of 99, high customer satisfaction and stability.

The highest MoneyGeek scores for whole life insurance providers in Texas are:

  • 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 is the preeminent choice for whole life insurance in Texas (with a MoneyGeek score of 99), catering to both men and women with its top-tier offerings, customer satisfaction and extensive range of products.

Pros:

  • Customer satisfaction is a priority
  • Extensive range of insurance products
  • High stability

Cons:

  • The buying process might be improved

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 Texas

How was this MoneyGeek score calculated?

Nationwide has been recognized as the provider with the best universal life insurance in Texas for both men and women, boasting an impressive MoneyGeek score of 99.

When considering the best universal life insurance, the top three highest MoneyGeek scores are as follows:

  • 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

Nationwide provides the best universal life insurance in Texas, offering outstanding coverage for both men and women. With an overall MoneyGeek score of 99, Nationwide ensures top-tier insurance services.

Pros:

  • High customer satisfaction
  • Affordability of their products
  • Offers a diverse range of insurance products

Best No-Medical-Exam Life Insurance in Texas

How was this MoneyGeek score calculated?

Nationwide is the top provider of the best no-medical-exam life insurance in Texas, with a MoneyGeek score of 99 for both men and women.

The top three highest MoneyGeek scores are:

  • 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 No-Medical-Exam: Nationwide

COMPANY HIGHLIGHTS

Nationwide offers the best no-medical-exam life insurance in Texas, catering to both men and women. It offers competitive pricing and customer satisfaction.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Diverse product offerings

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Texas

How was this MoneyGeek score calculated?

Nationwide offers the best term life insurance for seniors in Texas, with a MoneyGeek score of 98 for men and 98 for women. For men, the monthly premium cost is $84, and for women, it is $81. Nationwide offers high customer satisfaction and affordability.

Best Term Life Insurance for Seniors in Texas
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$84MoneyGeek Score98
GEICORank2Monthly Premium$73MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$102MoneyGeek Score95
PrudentialRank4Monthly Premium$102MoneyGeek Score93
State FarmRank5Monthly Premium$153MoneyGeek Score93

Best Term Life Insurance for Smokers in Texas

How was this MoneyGeek score calculated?

For men, Nationwide tops the charts with a MoneyGeek score of 97 and a monthly premium of $52. For women, it's Prudential leading the way with a MoneyGeek score of 95 and a monthly premium of $36. These insurers offer the best term life insurance for smokers as they excel in customer satisfaction and stability, which are significant contributors to their MoneyGeek score.

Best Term Life Insurance for Smokers in Texas
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$52MoneyGeek Score97
GEICORank2Monthly Premium$41MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$56MoneyGeek Score95
PrudentialRank4Monthly Premium$47MoneyGeek Score94
State FarmRank5Monthly Premium$74MoneyGeek Score94

Best Term Life Insurance for Young Adults in Texas

How was this MoneyGeek score calculated?

Nationwide stands as the preeminent provider of the best term life insurance for young adults in Texas, attaining the highest MoneyGeek score of 97 and 96 for men and women, respectively, with monthly premiums around $15 for men and $15 for women. Nationwide's exceptional ranking can be attributed to its customer satisfaction and its robust financial stability.

Best Term Life Insurance for Young Adults in Texas
Data filtered by:Results filtered by:
Sex:
Sex:M
NationwideRank1Monthly Premium$15MoneyGeek Score97
GEICORank2Monthly Premium$11MoneyGeek Score97
Mutual of OmahaRank3Monthly Premium$16MoneyGeek Score95
State FarmRank4Monthly Premium$26MoneyGeek Score94
ProtectiveRank5Monthly Premium$16MoneyGeek Score93

Best Cheap Term Life Insurance in Texas

How was this MoneyGeek score calculated?

GEICO provides the best cheap term life insurance in Texas for both men and women, with a MoneyGeek score of 97 for men and 96 for women. The monthly premium cost is approximately $18 for both genders. The top spot is earned by GEICO's combination of affordability and customer service, which are significant contributors to its high MoneyGeek score.

Best Cheap Term Life Insurance in Texas
Data filtered by:Results filtered by:
Gender:
Gender:M
GEICOMonthly Premium$18MoneyGeek Score97
NationwideMonthly Premium$23MoneyGeek Score96
Mutual of OmahaMonthly Premium$25MoneyGeek Score94
ProtectiveMonthly Premium$26MoneyGeek Score92
TransamericaMonthly Premium$28MoneyGeek Score91

Average Cost of Term Life Insurance in Texas

The average cost of monthly premiums for life insurance in Texas stands at $54 for women and $76 for men. Factors influencing these costs include age, health, lifestyle, coverage amount and term length. The average cost of life insurance can vary significantly based on these variables.

FAQ: Life Insurance in Texas

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


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