Best Life Insurance in The Woodlands, TX (October 2024)


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Protective is the best life insurance provider in The Woodlands, Texas, for both men and women, with a MoneyGeek score of 91 and 92, respectively. It offers an average monthly premium of $109 for men and $44 for women. These scores and costs are derived from a 20-year term policy with $500,000 coverage.

Different factors, such as age, health and financial stability, should be considered when choosing life insurance. 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 The Woodlands, Texas.

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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 InsuranceThe Woodlands,
2024

Best Life Insurance Companies in The Woodlands

Overall Best Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

Protective offers the best life insurance in The Woodlands for both men and women, with a MoneyGeek score of 91 for men and 92 for women, and average monthly premiums of $109 and $44 respectively.

Top providers for men:

  • Protective: MoneyGeek score of 91 out of 100 at $109 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $108 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $44 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $57 per month for women

Protective stands out for its high MoneyGeek scores and competitive premiums, making it a strong choice for anyone looking to purchase life insurance in The Woodlands.

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MoneyGeek Top Pick
Protective

Protective stands out for men and women seeking life insurance in The Woodlands, Texas. It boasts a MoneyGeek Score of 92 for women and 91 for men, reflecting a balance of affordability and customer satisfaction. Protective offers a monthly premium of $44 for women and $109 for men, making it a top choice for life insurance.

Pros:

  • High customer satisfaction
  • Excellent affordability for women
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance, in The Woodlands for men, with a MoneyGeek score of 91 at roughly $53 per month, while Protective leads for women with a score of 92 at about $24 per month. These companies offer robust financial stability and customer satisfaction, making them optimal choices for individuals looking for reliable term life insurance coverage without worrying about long-term commitment or investment components.

The top two term life insurance companies for men are:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $53 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $54 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $24 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 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
Mutual of Omaha

Mutual of Omaha is the top choice for term life insurance for men in The Woodlands, Texas, with a MoneyGeek score of 91. The company offers a monthly premium of $53, striking a balance between cost and quality coverage.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

Protective is the premier choice for women seeking the best term life insurance in The Woodlands, with a MoneyGeek score of 92. Women can secure coverage at an affordable monthly premium of $24, ensuring both value and peace of mind.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best whole life insurance in The Woodlands for both men and women, with a MoneyGeek score of 92 for each.

  • 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 emerges is the premier choice for whole life insurance in The Woodlands for both men and women, with MoneyGeek scores of 92 each. This ranking reflects a combination of high customer satisfaction and financial stability, underscored by competitive pricing and a variety of products. Consumers can trust in Protective's robust offerings and solid reputation in the marketplace.

Pros:

  • High customer approval
  • Strong financial foundation
  • Competitive pricing

Cons:

  • Lengthier 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.

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Best Universal Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance the The Woodlands, boasting a MoneyGeek score of 91 for both men and women. This score reflects a strong balance of affordability, customer satisfaction and financial stability, making Protective an optimal choice for those seeking reliable coverage.

  • 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 emerges as the best universal life insurance provider in The Woodlands for both men and women, with a MoneyGeek score of 91. Recognized for its robust customer satisfaction and financial stability, Protective ensures a reliable choice for life insurance needs.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

In The Woodlands, 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 is the leading provider of no-medical-exam life insurance in The Woodlands, offering robust coverage for both men and women. With a MoneyGeek score of 91 for each, Protective stands out for its exceptional customer satisfaction and solid financial stability.

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 The Woodlands, TX

How was this MoneyGeek score calculated?

The Mutual of Omaha stands as the top provider of the best term life insurance for seniors in The Woodlands for men, with a MoneyGeek score of 91 and an average monthly premium of $216. For women, Protective leads with a score of 92 and a premium of about $102.

Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.

Best Term Life Insurance for Seniors in The Woodlands
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$21691
2Nationwide$17991
3Protective$23390
4Prudential$21586
5Transamerica$24686
6Allstate$29186
7AAA$34185
8State Farm$32385
9Haven$39582

Best Term Life Insurance for Smokers in The Woodlands, TX

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for smokers in The Woodlands, Mutual of Omaha stands out with a MoneyGeek Score of 91 and an average monthly premium of 119. Women find their best option with Allstate, scoring 89 and a monthly premium of of about $45.

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 and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.

Best Term Life Insurance for Smokers in The Woodlands
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$11991
2Nationwide$11090
3Allstate$10788
4Transamerica$10888
5Protective$16788
6Prudential$10188
7State Farm$15785
8AAA$19385
9Haven$19282

Best Term Life Insurance for Young Adults in The Woodlands, TX

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in The Woodlands, Protective stands out for both men and women with a MoneyGeek Score of 92. The monthly premium is $15 for women and $33 for men.

Age is a crucial factor in determining life insurance premiums. Younger individuals generally face lower premiums because they are considered lower risk for health issues. Protective's high MoneyGeek score reflects its strong customer satisfaction, financial stability and affordability, making it an excellent choice for young adults seeking term life insurance in The Woodlands.

Best Term Life Insurance for Young Adults in The Woodlands
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$3392
2Mutual of Omaha$3391
3Nationwide$3291
4Transamerica$3787
5AAA$5285
6Prudential$4385
7State Farm$5485
8Allstate$5485
9Haven$4384
10Bestow$5883

Best Cheap Term Life Insurance in The Woodlands, TX

How was this MoneyGeek score calculated?

For the best cheap term life insurance in The Woodlands, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $49. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $24. Nationwide scores high due to its easy buying process and affordability, while Protective excels in 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 The Woodlands
Data filtered by:Results filtered by:
Sex:
Sex:M
1Nationwide$4993
2Mutual of Omaha$5391
3Protective$5491
4Transamerica$5988
5Prudential$6586
6AAA$8384
7Allstate$8284
8State Farm$8582
9Haven$7582

Average Cost of Term Life Insurance in The Woodlands, TX

The average monthly premium for term life insurance in The Woodlands is $44 for women and $98 for men.

Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, the amount of coverage and the policy term. Each of these factors can influence the risk assessment that insurance companies use to determine premiums.

The cost of life insurance in The Woodlands might be higher or lower than in the rest of Texas for several reasons. Local demographics, health statistics, economic conditions and crime rates can all play a role. For example, if The Woodlands has a higher average income or lower crime rate, this could impact the premiums. Conversely, if the area has higher health risks or a higher cost of living, this might increase the premiums.

FAQ About Life Insurance in The Woodlands, TX

What company has the best life insurance in The Woodlands for men?
What is the monthly premium cost for the best life insurance for men in The Woodlands?
What company has the best life insurance in The Woodlands for women?
What is the monthly premium cost for the best life insurance for women in The Woodlands?
Is there anything different about life insurance in The Woodlands compared to the rest of Texas?
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Why might The Woodlands residents need life insurance?
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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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