Best Life Insurance in Brownsville, TX (October 2024)
Updated: October 23, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider for men and women in Brownsville, Texas. For women, the MoneyGeek score is 92, with an average monthly premium of $21. For men, the MoneyGeek score is 91, with an average monthly premium of $30. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors 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 Brownsville, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceBrownsville, TXBest Life Insurance Companies in Brownsville
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
This was done using the average profile with a 20-year term policy and $500K coverage.
In Brownsville, Protective is the best life insurance company for men and women. For men, it has a MoneyGeek score of 91 and an average monthly premium of $30. For women, it has a MoneyGeek score of 92 and an average monthly premium of $21.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and affordable premiums, making it a reliable choice for individuals seeking life insurance in Brownsville. The company offers a balanced combination of affordability, customer satisfaction and financial stability, ensuring financial security for policyholders.
Protective is the leading life insurance provider in Brownsville, with a MoneyGeek score of 92 for women and 91 for men. It ensures reliable coverage at an average monthly premium of $21 for women and $30 for men.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
For men seeking the best term life insurance in Brownsville, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $15. For women, Protective is the leading provider, with a MoneyGeek score of 92 and an average monthly premium of $11. These companies excel due to their high customer satisfaction and affordable rates.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers a death benefit over a set period, which can be a cost-effective solution for those needing temporary coverage. For instance, parents might opt for term insurance to ensure their children's financial stability until they are self-sufficient.
Mutual of Omaha is the premier choice for term life insurance for men in Brownsville, with a MoneyGeek score of 91. It offers a balance of cost and quality coverage at an average monthly premium of $15.
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With a MoneyGeek score of 92, Protective is the premier choice for women seeking term life insurance in Brownsville. At an average monthly premium of $11, it combines affordability with high customer satisfaction.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
Protective provides the best whole life insurance in Brownsville, with a MoneyGeek score of 92 for men and women. This high score indicates a strong combination of affordability, customer satisfaction and financial stability, which are important factors for policyholders.
Top whole life companies for men in Brownsville:
Top whole life companies for women in Brownsville:
Whole life insurance provides lifelong coverage and includes an investment component known as the policy's cash value. For example, someone might choose whole life insurance over term life insurance for the potential to accumulate cash value that can be borrowed against, offering financial flexibility.
For those seeking whole life insurance in Brownsville, Protective is the leading choice for men and women. Its MoneyGeek score of 92 for both genders reflects a strong blend of customer satisfaction and financial stability.
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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.
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies over a 10-year term for $250K coverage.
In Brownsville, Protective provides the best universal life insurance, with a MoneyGeek score of 91 for men and women. This high score reflects the company's excellence in affordability, customer satisfaction and financial stability.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers flexible premiums and the potential for cash value growth, making it a versatile option for long-term financial planning. For example, someone might choose universal life insurance over other types if they want the ability to adjust their coverage as their financial situation changes.
Protective is the premier provider of universal life insurance in Brownsville, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams for a 10-year term with $250K coverage if the insuree was in poor health.
For those seeking the best no-medical-exam life insurance in Brownsville, Protective stands out with a MoneyGeek score of 91 for men and women. This score reflects a solid balance of affordability, customer satisfaction and financial stability.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance with no mandatory medical exam offers a quick and less invasive path to securing life insurance coverage. For example, someone with a busy schedule or a dislike of medical appointments might opt for this type of insurance to avoid the traditional health assessment process.
For Brownsville residents seeking top-tier life insurance without a required medical exam, Protective leads with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
For men seeking the best term life insurance for seniors in Brownsville, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $60. Women will find Protective as the top choice, with a MoneyGeek score of 92 and an average monthly premium of $48.
Age is a determining factor in life insurance premiums; as age increases, so does the risk for the insurer, which typically results in higher premiums for older individuals. Mutual of Omaha's high MoneyGeek score indicates its overall excellence in affordability, customer satisfaction and financial stability, which are important factors for seniors in Brownsville who coverage that balances cost with quality service.
| 1 | Mutual of Omaha | $60 | 91 |
| 2 | Nationwide | $49 | 91 |
| 3 | Protective | $64 | 90 |
| 4 | Prudential | $59 | 86 |
| 5 | Transamerica | $68 | 86 |
| 6 | Allstate | $80 | 86 |
| 7 | AAA | $94 | 85 |
| 8 | State Farm | $89 | 85 |
| 9 | Haven | $109 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
For men seeking the best term life insurance for smokers in Brownsville, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $33. Women will find Allstate at the top, with a MoneyGeek score of 89 and an average monthly cost of $21.
Smoking affects life insurance premiums, typically resulting in higher costs due to the increased health risks associated with tobacco use. Mutual of Omaha's and Allstate's high MoneyGeek scores are due to their excellent affordability, customer satisfaction, buying process, financial stability and product diversity. These scores are particularly relevant for smokers in Brownsville, who face higher premiums and need to ensure they get quality coverage at a reasonable price.
| 1 | Mutual of Omaha | $33 | 91 |
| 2 | Nationwide | $30 | 90 |
| 3 | Allstate | $30 | 88 |
| 4 | Transamerica | $30 | 88 |
| 5 | Protective | $46 | 88 |
| 6 | Prudential | $28 | 88 |
| 7 | State Farm | $43 | 85 |
| 8 | AAA | $53 | 85 |
| 9 | Haven | $53 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
In Brownsville, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $7 for women and $9 for men.
Age significantly impacts the cost of life insurance premiums, with younger adults generally enjoying lower rates. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability. This makes it an excellent choice for young adults seeking reliable term life insurance in Brownsville.
| 1 | Protective | $9 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 91 |
| 4 | Transamerica | $10 | 87 |
| 5 | AAA | $14 | 85 |
| 6 | Prudential | $12 | 85 |
| 7 | State Farm | $15 | 85 |
| 8 | Allstate | $15 | 85 |
| 9 | Haven | $12 | 84 |
| 10 | Bestow | $16 | 83 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
The best cheap term life insurance in Brownsville varies by gender. For men, Nationwide tops the list with a MoneyGeek score of 93 and an average monthly premium of $14. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of around $11. The winning companies excel in affordability, customer satisfaction and financial stability, contributing to their high MoneyGeek scores.
Several factors influence life insurance premiums, including age, health, coverage amount and term length. To secure the lowest premiums, maintain excellent health, avoid tobacco and choose a shorter term length.
| 1 | Nationwide | $14 | 93 |
| 2 | Mutual of Omaha | $15 | 91 |
| 3 | Protective | $15 | 91 |
| 4 | Transamerica | $16 | 88 |
| 5 | Prudential | $18 | 86 |
| 6 | AAA | $23 | 84 |
| 7 | Allstate | $23 | 84 |
| 8 | State Farm | $23 | 82 |
| 9 | Haven | $21 | 82 |
The average monthly cost of term life insurance in Brownsville is $21 for women and $27 for men. Several factors affect the cost of life insurance premiums, including age, health, lifestyle, policy term and coverage amount.
In Brownsville, specific local conditions may also influence these costs. For instance, local health statistics, crime rates and economic conditions can all play a role in determining premiums. Understanding these factors can help you make more informed decisions about your life insurance needs.
Protective has the best life insurance for men in Brownsville, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Brownsville is $30. Protective offers this rate, making it an affordable option for male residents seeking life insurance.
Protective has the best life insurance for women in Brownsville, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Brownsville is $21. Protective offers this rate, making it an affordable option for female residents seeking life insurance.
Life insurance in Brownsville may have unique considerations compared to the rest of Texas. For example, local economic factors and health statistics could influence premium rates. Residents should compare options to ensure they get the best coverage for their needs.
If a life insurance company goes bankrupt in Brownsville, state guaranty associations typically protect policyholders. These associations ensure that policyholders continue to receive coverage or benefits up to a certain limit, providing financial security.
Brownsville residents might need life insurance for various reasons. It can provide financial security for dependents, cover funeral expenses and pay off debts. Life insurance ensures that loved ones are cared for in the event of the policyholder's death.
To find a lost life insurance policy in Brownsville, start by checking personal records and contacting the insurance company. You can also use online databases and resources from the Texas Department of Insurance to locate the policy.
About Mark Fitzpatrick
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.
