Best Life Insurance in Mesa, AZ (October 2024)
Updated: October 23, 2024
Advertising & Editorial Disclosure
For men Mutual of Omaha is the best company with a MoneyGeek score of 91 out of 100, and an average monthly premium of $41. Protective is the best life insurance company in Mesa, Arizona, for women, with a MoneyGeek score of 92 and average monthly premium of $30.
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 Mesa, Arizona.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceMesa, AZBest Life Insurance Companies in Mesa
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.
The best life insurance company in Mesa for men is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $41. For women, the top provider is Protective with a MoneyGeek score of 92 and a monthly premium of $30. Here are the top two providers for each gender based on MoneyGeek scores:
Top providers for men:
Top providers for women:
Mutual of Omaha and Protective stand out for their high MoneyGeek scores, reflecting their strong customer satisfaction, financial stability, and affordability. These factors make them excellent choices for the average individual looking to purchase life insurance in Mesa.
Mutual of Omaha stands out as the top life insurance provider for men in Mesa with a MoneyGeek score of 91. The company offers policies at a monthly premium of $41 for men.
Pros:
Cons:
Protective: The Best Life Insurance for Women in Mesa For women in Mesa, Protective leads with a MoneyGeek score of 92, providing policies at a monthly premium of $30.
Pros:
Cons:
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 individuals in Mesa seeking the best term life insurance, Mutual of Omaha stands out for men with a MoneyGeek score of 91 at an average premium of $20 per month, while Protective leads for women with a score of 92 at $16 per month.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that provides coverage for a predetermined period. This type of insurance is suitable for individuals who want to ensure financial security for their dependents during critical years, such as while paying off a mortgage or raising children.
Mutual of Omaha stands out as the premier choice for term life insurance for men in Mesa, with an impressive MoneyGeek score of 91. With a monthly premium of just $20, it offers a balance of value and security to its policyholders. The company's strengths are reflected in its high ratings across several key categories, making it a reliable option for life insurance coverage. Here's a closer look at what makes Mutual of Omaha a top contender.
Pros:
Cons:
Protective stands out as the best term life insurance option for women in Mesa, with an impressive MoneyGeek score of 92. For a monthly premium of $16, women can secure a financial safety net for their families. This top-ranking is based on a combination of factors, including cost and customer satisfaction, making Protective a reliable choice for term life insurance coverage.
Pros:
Cons:
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 is the top provider of the best whole life insurance in Mesa, with a MoneyGeek score of 92 for both men and women. This score suggests that Protective offers a blend of affordability, customer satisfaction, and financial stability that is well-suited for the average individual seeking a reliable insurance policy.
Top whole life companies for men in Mesa:
Top whole life companies for women in Mesa:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. Someone might choose best whole life insurance over term life insurance for its lifelong coverage and potential to grow cash value, which can be a financial asset during their lifetime.
Protective emerges as the leading provider of whole life insurance in Mesa, offering unparalleled service for both men and women. With a robust MoneyGeek score of 92 for each gender, Protective stands out for its commitment to customer satisfaction and financial stability.
Pros:
Cons:
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.
Protective offers the best universal life insurance provider in Mesa for both men and women, 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:
Best universal life insurance 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.
Protective emerges as the premier choice for the best universal life insurance in Mesa, catering to both men and women. With an impressive MoneyGeek score of 91 for both genders, Protective demonstrates a strong commitment to customer satisfaction and financial stability. This score reflects a balanced offering that resonates with a diverse clientele seeking reliable life insurance solutions.
Pros:
Cons:
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.
Protective* offers the best life insurance without a medical exam in Mesa for both men and women, boasting 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. The top MoneyGeek scores for no medical exam life insurance are:
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
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.
When it comes to finding the best no-medical-exam life insurance in Mesa, Protective stands out for both men and women, boasting an overall MoneyGeek score of 91. This score reflects a strong balance of affordability, customer satisfaction, and financial stability, making Protective a top choice for life insurance seekers in the area. Here's a closer look at what makes Protective a solid option:
Pros:
Cons:
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 Mesa, Mutual of Omaha leads with a MoneyGeek Score of 91 and a monthly premium of $74. For women, Protective stands out with a score of 90 and a monthly premium of $77.
Age influences life insurance costs, with premiums typically increasing as one ages. Mutual of Omaha and Protective's high scores reflect their strong customer satisfaction, financial stability, and product offerings, which are pivotal for seniors prioritizing reliability and value in their life insurance choices.
| 1 | Mutual of Omaha | $74 | 91 |
| 2 | Nationwide | $68 | 91 |
| 3 | Protective | $103 | 89 |
| 4 | Transamerica | $75 | 88 |
| 5 | Prudential | $68 | 87 |
| 6 | State Farm | $114 | 86 |
| 7 | Allstate | $113 | 85 |
| 8 | AAA | $133 | 85 |
| 9 | Haven | $155 | 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 Mesa, Mutual of Omaha leads with a MoneyGeek score of 90 and a monthly premium of $45. For women, Allstate tops the chart with a score of 88 and a $30 premium.
Smoking is a significant factor in determining life insurance premiums, as it increases health risks and the likelihood of insurance claims. Therefore, smokers often face higher premiums. Mutual of Omaha and Allstate's high MoneyGeek scores reflect their ability to balance cost with service quality, making them standout choices for smokers looking for reliable coverage.
| 1 | Mutual of Omaha | $45 | 90 |
| 2 | Nationwide | $45 | 89 |
| 3 | Allstate | $42 | 88 |
| 4 | Transamerica | $39 | 88 |
| 5 | Prudential | $36 | 88 |
| 6 | Protective | $69 | 87 |
| 7 | State Farm | $60 | 86 |
| 8 | AAA | $77 | 86 |
| 9 | Haven | $80 | 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.
For the best term life insurance for young adults in Mesa, Protective stands out for both men and women with a MoneyGeek score of 91 for men and 92 for women, and monthly premiums of $13 and $10, respectively.
Age plays a significant role in determining life insurance premiums, with younger individuals generally benefiting from lower costs. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction, and financial stability. For young adults in Mesa, choosing Protective means getting a reliable and cost-effective term life insurance policy.
| 1 | Protective | $13 | 91 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $14 | 87 |
| 5 | AAA | $20 | 86 |
| 6 | State Farm | $21 | 85 |
| 7 | Prudential | $17 | 85 |
| 8 | Haven | $17 | 84 |
| 9 | Allstate | $21 | 84 |
| 10 | Bestow | $23 | 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.
For those seeking the best cheap term life insurance in Mesa, Nationwide stands out for men with a MoneyGeek score of 93 and an average monthly premium of $19, while Protective leads for women with a MoneyGeek score of 92 and a monthly premium of $16. Various factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length.
To secure the lowest premiums, maintain excellent health, choose a shorter term, and opt for a higher coverage amount. Nationwide's high score for men is due to its strong buying process and financial stability, while Protective excels for women due to its affordability and customer satisfaction. Choosing the right provider for the best cheap term life insurance can make a significant difference in overall value and peace of mind.
| 1 | Nationwide | $19 | 93 |
| 2 | Mutual of Omaha | $20 | 91 |
| 3 | Protective | $22 | 90 |
| 4 | Transamerica | $21 | 89 |
| 5 | Prudential | $24 | 86 |
| 6 | AAA | $32 | 84 |
| 7 | Allstate | $32 | 83 |
| 8 | State Farm | $32 | 82 |
| 9 | Haven | $29 | 81 |
The average monthly premium for term life insurance in Mesa is $29 for women and $38 for men.
Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount, and the type of policy chosen. Each of these factors can influence the risk assessment made by insurance companies, which in turn affects the premium cost.
There are several reasons why the cost of life insurance might be higher or lower in Mesa compared to the rest of Arizona. Local health statistics, economic conditions, and specific risk factors in the area can all play a role. For example, if Mesa has higher average health risks or a higher cost of living, premiums might be higher. Conversely, if the area has lower health risks or a more stable economy, premiums might be lower.
Understanding these factors can help consumers make informed decisions about their life insurance options.
Mutual of Omaha has the best life insurance in Mesa for men. Their MoneyGeek score is 91, which is the highest for male policyholders in this city.
The monthly premium cost for the best life insurance for men in Mesa, offered by Mutual of Omaha, is approximately $41. This cost is based on the provided data.
Protective has the best life insurance in Mesa for women. Their MoneyGeek score is 92, which is the highest for female policyholders in this city.
The monthly premium cost for the best life insurance for women in Mesa, offered by Protective, is approximately $30. This cost is based on the provided data.
Life insurance in Mesa may differ from the rest of Arizona in terms of company offerings and premium costs. However, specific differences are not detailed in the provided data. It is advisable to compare policies across different cities for a comprehensive understanding.
If a life insurance company goes bankrupt in Mesa, state guaranty associations may protect policyholders. These associations provide a safety net to ensure that policyholders receive their benefits, even if the company fails.
Mesa residents might need life insurance for financial protection. It can help cover expenses like mortgages, education, and daily living costs for dependents. Life insurance can also provide peace of mind by ensuring that loved ones are financially secure.
To find a lost life insurance policy in Mesa, you can check personal records, contact the insurer, or use online search tools. State insurance departments may also assist in locating lost policies.
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.
