Best Life Insurance in Westminster, CO (October 2024)


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The best life insurance in Westminster, Colorado, for men and women is Protective. With a MoneyGeek score of 92, Protective offers a monthly premium of $28 for women and $30 for men. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors, such as age, health, and coverage needs, should be considered when deciding on 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 Westminster, Colorado.

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

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceWestminster, CO
2024

Best Life Insurance Companies in Westminster

Overall Best Life Insurance in Westminster, CO

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Westminster for men and women, with a MoneyGeek score of 92 out of 100 and a monthly premium of $30 for men and $28 for women.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $30 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $35 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $31 per month for women

Protective stands out for its high MoneyGeek scores, making it a reliable choice for life insurance in Westminster. The company's affordability and customer satisfaction ratings ensure that the average individual receives excellent value and service.

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MoneyGeek Top Pick
Protective

Protective stands out as the best life insurance provider in Westminster for men and women, with a MoneyGeek score of 92. The company offers a monthly premium of $28 for women and $30 for men, showcasing its commitment to affordable and high-quality coverage options. Customers can rely on Protective's robust offerings and solid reputation for financial stability when selecting their life insurance plan.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Westminster, CO

How was this MoneyGeek score calculated?

For those in Westminster looking for the best term life insurance, Protective stands out for men and women, with a MoneyGeek score of 68 and a monthly premium of $15.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
  • Mutual of Omaha: MoneyGeek score of 86 out of 100 at $18 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for women
  • Mutual of Omaha: MoneyGeek score of 85 out of 100 at $18 per month for women

Term life insurance provides financial protection for a specified period, offering a death benefit to beneficiaries if the policyholder passes away within the term. For instance, a parent might choose term life insurance to ensure their child's education expenses are covered in the event of their untimely death.

By selecting a term that matches the time frame of their financial obligations, individuals can tailor their life insurance to their specific needs without the higher costs associated with permanent life insurance.

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MoneyGeek Top Pick
Protective

For people in Westminster looking for reliable term life insurance, Protective stands out with a MoneyGeek score of 92 for women and men. With a monthly premium of $15 for both, it offers a balance of cost-efficiency and quality service.

Pros:

  • High customer satisfaction
  • Affordable premium rates
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Westminster, CO

How was this MoneyGeek score calculated?

For those seeking the best whole life insurance in Westminster, Protective emerges as the leading provider for men and women, with a MoneyGeek score of 92 out of 100. Protective's high rating suggests it offers a strong combination of affordability, customer satisfaction, and financial stability.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

The top providers for women are:

  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for women
  • Protective: MoneyGeek score of 92 out of 100 for women

Whole life insurance provides lifelong coverage and includes an investment component known as cash value, which grows over time. This type of insurance is ideal for those who seek a death benefit and a savings vehicle, ensuring financial security for loved ones while also contributing to one's financial portfolio.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for whole life insurance in Westminster, with a MoneyGeek score of 92 for both men and women. The company's exceptional performance across multiple categories ensures a balanced offering for policyholders.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • 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 Westminster, CO

How was this MoneyGeek score calculated?

When searching for the best universal life insurance in Westminster, Protective stands out with a MoneyGeek score of 91 for both men and women. This indicates that Protective offers a reliable option for those interested in securing their financial future with a universal life policy. The company's high score suggests a blend of affordability, customer satisfaction, and financial stability.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

The top providers for women are:

  • 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. For instance, someone who wants the potential to build cash value over time, which they can borrow against, might opt for universal life insurance over term life policies.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for universal life insurance in Westminster, catering to men and women. With a MoneyGeek score of 91 for both, Protective ensures comprehensive coverage and satisfaction.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Westminster, CO

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best life insurance with no mandatory medical exam in Westminster, with a MoneyGeek score of 63 for men and women. This score suggests that Protective offers a reliable and satisfactory product.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 88 out of 100 for men

The top providers for women are:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 88 out of 100 for women

No-medical-exam life insurance offers the convenience of obtaining coverage without the need for a medical check-up. For example, someone with a busy schedule or a fear of medical procedures might choose this insurance over traditional policies for its simplicity and speed.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for no-medical-exam life insurance in Westminster, earning the highest MoneyGeek score of 91 for men and women. This distinction underscores the company's commitment to providing reliable and affordable coverage options to all customers.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Product diversity could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Westminster, CO

How was this MoneyGeek score calculated?

Protective is the top provider of the best term life insurance for seniors in Westminster, with a MoneyGeek score of 92 for men and 91 for women, and a monthly premium of $66 for both.

Age is a pivotal factor in determining life insurance premiums; as individuals age, the likelihood of health issues increases, which in turn raises the cost of insurance. Protective's superior MoneyGeek score signifies its commitment to customer satisfaction, a straightforward buying process and financial stability.

Best Term Life Insurance for Seniors in Westminster
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$6692
2Mutual of Omaha$7591
3Nationwide$6790
4AAA$8688
5Allstate$7488
6Prudential$6588
7Transamerica$8287
8State Farm$11785
9Haven$12982

Best Term Life Insurance for Smokers in Westminster, CO

How was this MoneyGeek score calculated?

In Westminster, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 91 and an average monthly premium of $40. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $30.

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 Westminster
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7390
2Nationwide$7689
3AAA$7988
4Protective$10088
5Prudential$5788
6Transamerica$7287
7State Farm$9685
8Allstate$12084
9Haven$11982

Best Term Life Insurance for Young Adults in Westminster, CO

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Westminster, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $9.

Age significantly impacts life insurance premiums, with younger adults generally enjoying lower rates. Protective's high score reflects its strong affordability, excellent customer satisfaction, and solid financial stability.

Best Term Life Insurance for Young Adults in Westminster
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1191
3Nationwide$1189
4AAA$1288
5Allstate$1187
6Transamerica$1286
7Prudential$1385
8Haven$1484
9State Farm$1984
10Bestow$1983

Best Cheap Term Life Insurance in Westminster, CO

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Westminster, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $15 for men and women.

Factors influencing life insurance premiums include age, health rating, coverage amount, and term length. To secure the lowest premiums, maintain good health, select an appropriate coverage amount, and compare different providers. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability, making it an excellent choice for consumers.

Best Cheap Term Life Insurance in Westminster
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1592
2Nationwide$1891
3Mutual of Omaha$1890
4Allstate$1889
5AAA$2088
6Transamerica$1988
7Prudential$1987
8Haven$2483
9State Farm$3082

Average Cost of Term Life Insurance in Westminster, CO

The average monthly premium for term life insurance in Westminster is $26 for women and $29 for men. Various factors affect the cost of life insurance premiums. These include the insured person's age, health, lifestyle, occupation and the amount of coverage they choose. Insurers assess these factors to determine the level of risk and set premium rates accordingly.

In Westminster, the cost of life insurance might be influenced by local health statistics, economic conditions, and specific risk factors prevalent in the area. For example, if Westminster has higher average health risks or economic instability, premiums might be higher compared to other parts of Colorado. Conversely, lower local risk factors could lead to more affordable premiums.

FAQ About Life Insurance in Westminster, CO

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

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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