Best Life Insurance in Overland Park, KS (October 2024)

In Overland Park, Kansas, the best life insurance provider for women is Protective with a MoneyGeek score of 91 and an average monthly premium of $41. For men, the best provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $65. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. When deciding on life insurance, consider different factors that may affect your choice. Your unique needs might mean a different company is best for you.

In Overland Park, Mutual of Omaha offers the best life insurance for men with a MoneyGeek score of 91 out of 100 at an average of $65 per month, while Protective is the top provider for women with a MoneyGeek score of 91 out of 100 at $41 per month.

Top Providers for Men:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $65 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $67 per month for men

Top Providers for Women:

• Protective: MoneyGeek score of 91 out of 100 at $41 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $52 per month for women

Mutual of Omaha and Protective have the highest ratings, making them ideal choices for those seeking reliable life insurance in Overland Park. Their high MoneyGeek scores indicate strong overall performance in affordability, customer satisfaction, and financial stability, making them dependable options for the average individual.

In Overland Park, Mutual of Omaha stands out for men with a MoneyGeek score of 91 at $32 per month, while Protective leads for women with a score of 92 at $22 per month. The high scores suggest these companies offer the best term life insurance, factoring in customer satisfaction, financial stability and product diversity. Choosing the best provider hinges on a balance between cost and quality, making these companies prime choices for term life insurance seekers. Here are the top performers:

The top two term life insurance companies for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $32 per month for men
• Protective: MoneyGeek score of 92 out of 100 at $22 per month for women

For women, the top two are:

• Protective: MoneyGeek score of 91 out of 100 at $33 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $29 per month for women

Term life insurance provides a death benefit for a set period, offering peace of mind at a lower cost compared to whole life insurance. For instance, a parent might choose term insurance to ensure their child's education costs are covered should the unexpected occur.

Protective is the provider of the best whole life insurance in Overland Park for both men and women, with a MoneyGeek score of 92. This score suggests that Protective stands out in terms of affordability, customer satisfaction and financial stability, making it a solid choice for individuals looking to secure their financial future with a whole life insurance policy. Here are the top scores for men and women in Overland Park:

Top whole life companies for men in Overland Park:

• 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 Overland Park:

• 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 is a type of permanent life insurance that offers a death benefit alongside a savings component. This allows policyholders to provide for their beneficiaries and accumulate cash value over time. For example, someone might choose best whole life insurance over term life insurance because they want coverage that lasts their entire lives and can also serve as an investment opportunity.

Protective is the top provider of the best universal life insurance in Overland Park, boasting a MoneyGeek score of 91 for both men and women. This score suggests that Protective stands out in key areas such as customer satisfaction, affordability, financial stability and product diversity.

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

MoneyGeek score of 90 out of 100 for women Universal life insurance is a flexible type of life insurance that offers both a death benefit and a savings element, which can grow on a tax-deferred basis.

The Protective company emerges as the best no-medical-exam life insurance provider in Overland Park, with a MoneyGeek score of 91 for both men and women. This score reflects the company's strong performance across various factors, including cost, customer satisfaction and financial stability.

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 life insurance allows individuals to obtain coverage quickly and without the need for a medical assessment. For example, someone with a busy lifestyle or a pre-existing condition might opt for the best life insurance without a medical exam over traditional policies to avoid the inconvenience and potential barriers of a health examination.

In Overland Park, Mutual of Omaha stands out for men with a MoneyGeek score of 91 and an average monthly premium of $132. For women, Protective leads with a score of 91 and a premium of $94. Age is a factor in life insurance premiums because the risk of insuring an individual increases with age. The best term life insurance for seniors must balance affordability with comprehensive coverage. The highest MoneyGeek scores indicate a strong combination of customer satisfaction, affordability and financial stability, which are vital for seniors seeking reliable term life insurance.

For those seeking the best term life insurance for smokers in Overland Park, Mutual of Omaha stands out for both men and women. With a MoneyGeek Score of 90 and a monthly premium of $72 for men, and a score of 88 with a $66 average premium for women, this company offers competitive rates and high-quality coverage.

Smoking is a significant factor in determining life insurance premiums, as it increases health risks and potential claims costs for insurers. Mutual of Omaha's top scores reflect their ability to balance cost with customer satisfaction, financial stability, and product diversity. These scores are crucial for individuals looking for reliable life insurance coverage that accommodates the risks associated with smoking.

For those seeking the best term life insurance for young adults in Overland Park, Protective stands out with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium for men is $20, while for women, it's $13. Age significantly impacts life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high scores in affordability, customer satisfaction, and financial stability make it a top choice. Young adults in Overland Park can rely on Protective for comprehensive coverage and excellent service.

For the best cheap term life insurance in Overland Park, Nationwide scores highest for men with a MoneyGeek score of 93 and an average monthly premium of $29. Protective leads for women with a MoneyGeek score of 92 and a monthly premium of $22. Factors affecting life insurance premiums include age, health, coverage amount, and term length.

To get the lowest premiums, maintain excellent health, avoid tobacco and choose a shorter term length with adequate coverage. Nationwide and Protective stand out due to their affordability, customer satisfaction, and financial stability. These factors make them top choices for those seeking the best cheap term life insurance in Overland Park.

The average monthly premium for term life insurance in Overland Park, Kansas, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.

The cost of life insurance in Overland Park might be higher or lower compared to other parts of Kansas due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Overland Park has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.