Best Life Insurance in Tucson, AZ (October 2024)


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In Tucson, Mutual of Omaha is the best life insurance provider for men, with a MoneyGeek score of 91 and an average premium of $33 per month. For women, the best choice is Protective, with a MoneyGeek score of 92 out of 100 and a premium of $26 per month.

Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Tucson, Arizona.

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Coverage costs and company information for life insurance providers were updated in October 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceTucson, AZ
2024

Best Life Insurance Companies in Tucson

Overall Best Life Insurance in Tucson, AZ

How was this MoneyGeek score calculated?

In Tucson, the top life insurance provider for men is Mutual of Omaha with a MoneyGeek score of 91 out of 100 at $33 per month. For women, the best choice is Protective with a MoneyGeek score of 92 out of 100 at $26 per month.

Top providers for men:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $33 per month for men
  • Protective: MoneyGeek score of 91 out of 100 at $36 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 92 out of 100 at $26 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 per month for women

Mutual of Omaha stands out for men due to its high MoneyGeek score and competitive monthly premium. Similarly, Protective is the top choice for women, offering the highest score and a lower premium. Both companies provide a balance of affordability, customer satisfaction and financial stability, making them reliable choices for life insurance in Tucson.

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MoneyGeek Top Pick
Mutual of Omaha

In Tucson, Protective stands out as the best life insurance provider for women with an impressive MoneyGeek score of 92, while Mutual of Omaha takes the lead for men, scoring 91. Women can secure a policy with Protective for a monthly premium of $26, and men can do the same with Mutual of Omaha for $33. Both companies excel in customer satisfaction and financial stability, offering reliable coverage options for their clients. Here are the pros and cons for each company based on specific criteria:

Protective

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Mutual of Omaha

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • Product options could expand

Best Term Life Insurance in Tucson, AZ

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance for men in Tucson, with a MoneyGeek score of 91 and an average monthly premium of $16. For women, Protective leads with a MoneyGeek score of 92 at $14 per month.

The top two term life insurance companies for men are:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $16 per month for men
  • Nationwide: 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 $14 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month for women

Term life insurance is a type of life insurance that provides coverage at a fixed rate of payments for a limited period, known as the term. Once the term expires, coverage is no longer guaranteed, and the client must either forgo coverage or potentially obtain further insurance with different payments or conditions.

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MoneyGeek Top Pick
Mutual of Omaha

Mutual of Omaha stands out as the best term life insurance option in Tucson for men, boasting a MoneyGeek score of 91. For a monthly premium of $16, men can secure reliable coverage tailored to their needs. The company's reputation for high customer satisfaction and financial stability makes it a strong contender for those seeking peace of mind in their insurance choice.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Strong financial stability

Cons:

  • Buying process could improve
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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for term life insurance in Tucson for women, thanks to its top MoneyGeek score of 92. With a monthly premium of $14, Protective offers a balance of value and security for its clients. Here are the key advantages and considerations to take into account when choosing Protective for your insurance needs.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Tucson, AZ

How was this MoneyGeek score calculated?

Protective is the best whole life insurance provider in Tucson, with a MoneyGeek score of 92 for both men and women. This high score suggests that Protective offers a combination of affordability, customer satisfaction, a smooth buying process, financial stability, and product diversity, making it a solid choice for individuals seeking reliable life insurance coverage. Consumers can trust that they are getting a well-rounded policy from a top-rated company. Here are the top performers based on MoneyGeek scores:

Top whole life companies for men in Tucson:

  • 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 Tucson:

  • 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 provides lifelong coverage and includes an investment component that can accumulate cash value. For example, someone may choose best whole life insurance over term life insurance to ensure permanent protection and the ability to borrow against the policy in the future.

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MoneyGeek Top Pick
Protective

Protective emerges as the top choice for whole life insurance in Tucson, achieving a MoneyGeek score of 92 for both men and women. The company's commitment to customer satisfaction and financial stability places it at the forefront for insurance seekers.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex 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 Tucson, AZ

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance provider in Tucson for both women and men, boasting a MoneyGeek score of 91. Choosing Protective means selecting a company that excels in affordability, customer satisfaction, buying process and financial stability.

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

Universal life insurance offers flexibility in premiums and death benefits, which can be appealing to those who desire a more adaptable approach to their long-term financial planning. For example, a young professional might choose universal life insurance over term life insurance to benefit from the potential cash value growth that can be used towards future needs or retirement planning.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of universal life insurance in Tucson for both men and women, boasting a MoneyGeek score of 91 for each group. Recognized for its excellence, Protective offers a blend of quality service and financial security that resonates with customers.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Tucson, AZ

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam for both men and women in Tucson, with a MoneyGeek score of 91. This score indicates a robust offering that combines affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual in the market for this type of insurance policy.

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 type of life insurance is a policy that does not require a medical examination for approval, offering a quicker and more convenient option for coverage. For instance, someone with a busy schedule or a dislike of medical appointments might choose this insurance to ensure they are covered without the hassle of a traditional health assessment.

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MoneyGeek Top Pick
Protective

For individuals in Tucson seeking no-medical-exam life insurance, Protective stands out as the top provider for both men and women, with MoneyGeek scores of 91 for each. This company's commitment to customer satisfaction and financial stability makes it a reliable choice for life insurance seekers.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Complex buying process

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Best Term Life Insurance for Seniors in Tucson, AZ

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for seniors in Tucson, Mutual of Omaha leads with a MoneyGeek score of 91 and a monthly premium of $60. For women, Protective stands out with a score of 90 and a premium of $67.

Age is a determining factor in insurance premiums; as the risk of health issues increases with age, so does the cost. Mutual of Omaha and Protective offer a strong balance of affordability, customer satisfaction, and financial stability, making them top picks for seniors prioritizing these factors in their insurance search.

Best Term Life Insurance for Seniors in Tucson
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$6091
2Nationwide$5591
3Protective$8389
4Transamerica$6188
5Prudential$5587
6State Farm$9286
7Allstate$9285
8AAA$10785
9Haven$12682

Best Term Life Insurance for Smokers in Tucson, AZ

How was this MoneyGeek score calculated?

For men seeking the best term life insurance for smokers in Tucson, Mutual of Omaha leads with a MoneyGeek score of 90 and a monthly premium of $37. Women find their top choice in Allstate, with a score of 88 and an average premium of $26. Smoking impacts life insurance costs as insurers view smokers as higher risk, leading to increased premiums.

A high MoneyGeek score, like those of Mutual of Omaha and Allstate, reflects a company's strong performance across multiple metrics, ensuring that policyholders receive quality coverage at a reasonable cost. This information empowers smokers in Tucson to select a term life insurance policy that balances expenses with the security of a reputable provider.

Best Term Life Insurance for Smokers in Tucson
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$3790
2Nationwide$3689
3Allstate$3488
4Transamerica$3288
5Prudential$2988
6Protective$5687
7State Farm$4986
8AAA$6286
9Haven$6582

Best Term Life Insurance for Young Adults in Tucson, AZ

How was this MoneyGeek score calculated?

In Tucson, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for women and 91 for men. The average monthly premium is $8 for women and $10 for men. Age plays a significant role in determining the cost of life insurance premiums.

Younger adults generally face lower premiums because they are considered lower risk. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability. For young adults in Tucson, choosing Protective ensures a balance of cost and comprehensive coverage.

Best Term Life Insurance for Young Adults in Tucson
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1091
2Mutual of Omaha$1091
3Nationwide$1091
4Transamerica$1187
5AAA$1686
6State Farm$1785
7Prudential$1485
8Haven$1484
9Allstate$1784
10Bestow$1983

Best Cheap Term Life Insurance in Tucson, AZ

How was this MoneyGeek score calculated?

If you're looking for the best cheap term life insurance in Tucson, Nationwide stands out for men with a MoneyGeek score of 93 and a monthly premium of $15. For women, Protective is the top provider with a MoneyGeek score of 92 and a monthly premium of $14.

Factors that influence life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums possible, maintain a healthy lifestyle, choose a shorter term length, and opt for a lower coverage amount. Nationwide's high MoneyGeek score reflects its balance of affordability, customer satisfaction, and financial stability, making it a top choice for those seeking the best cheap term life insurance in Tucson.

Best Cheap Term Life Insurance in Tucson
Data filtered by:Results filtered by:
Sex:
Sex:M
1Nationwide$1593
2Mutual of Omaha$1691
3Protective$1890
4Transamerica$1789
5Prudential$1986
6AAA$2684
7Allstate$2683
8State Farm$2682
9Haven$2481

Average Cost of Term Life Insurance in Tucson, AZ

The average monthly premium for term life insurance in Tucson is $25 for women and $30 for men. These figures are rounded to the nearest whole number.

Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, policy term, and coverage amount, each of which can influence the overall cost of your premium.

Tucson's life insurance cost might be higher or lower than the rest of Arizona. Local health statistics, economic conditions, and specific risk factors unique to the area can all play a role. For instance, if Tucson has higher health risks or economic challenges, premiums might be higher. Conversely, if the area has lower risks, premiums might be lower.

Understanding these factors can help you make informed decisions when purchasing life insurance. Always consider your personal circumstances and the specific conditions of your location when evaluating insurance options.

FAQ About Life Insurance in Tucson, AZ

What company has the best life insurance in Tucson for men?
What is the monthly premium cost for the best life insurance for men in Tucson?
What company has the best life insurance in Tucson for women?
What is the monthly premium cost for the best life insurance for women in Tucson?
Is there anything different about life insurance in Tucson compared to the rest of Arizona?
What happens to your life insurance if a company goes bankrupt in Tucson?
Why might Tucson residents need life insurance?
How do you find a lost life insurance policy in Tucson?

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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