Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Aurora, Colorado for men and women. With a MoneyGeek score of 92 out of 100, Protective offers an average monthly premium of $25. Both score and rate are based on a 20-year term policy with $500,000 coverage.
DIfferent factors affect life insurance decisions. 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 Aurora, Colorado.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceAurora, COBest Life Insurance Companies in Aurora
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.
Protective offers the best life insurance in Aurora for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $25.
Top providers for men:
Top providers for women:
Protective combines affordability and quality making it a great choice for individuals seeking reliable life insurance in Aurora.
Protective is the best life insurance provider in Aurora for both men and women, with a MoneyGeek score of 92. It offers policies at a monthly premium of $25 for each. It stands out because of its exceptional customer service 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
For those seeking the best term life insurance in Aurora, Protective leads the pack with a MoneyGeek score of 92 and an average monthly premium of $12 for men and $13 for women. Protective stands out for its affordability, quality service and financial stability.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
Protective is the best term life insurance provider in Aurora, with a MoneyGeek score of 92 and a monthly premium cost of $12 for men and $13 for women. It offers a compelling blend of value and satisfaction, ensuring peace of mind through reliable coverage.
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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 is the best whole life insurance provider in Aurora, with a MoneyGeek score of 91 for both men and women.
Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.
Protective is the top choice for whole life insurance in Aurora for both men and women, with an overall MoneyGeek Score of 92 for each. This score reflects a balance of affordability and customer satisfaction that Protective offers to its policyholders.
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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.
Protective offers the best universal life insurance in Aurora for both men and women, with a MoneyGeek score of 91.
Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies.
Protective stands out as the top provider of universal life insurance for both men and women, boasting a MoneyGeek Score of 91 for each. This score reflects the company's dedication to customer satisfaction and affordability, making it a reliable choice for life insurance in Aurora.
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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.
In Aurora, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective is the best no-medical-exam life insurance provider in Aurora for both men and women, boasting a MoneyGeek score of 91. Its commitment to customer satisfaction and affordability sets it apart, ensuring policyholders receive quality coverage without the need for medical exams.
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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.
In Aurora, Protective stands out as the provider of the best term life insurance for seniors. It boasts a MoneyGeek score of 92 for men with a monthly premium of $54 and 91 for women with a monthly premium of $60.
Age impacts life insurance premiums. The likelihood of health-related issues increases with age, leading to higher insurance costs. Protective stands out due to its affordability, high customer satisfaction, and financial stability.
| 1 | Protective | $54 | 92 |
| 2 | Mutual of Omaha | $61 | 91 |
| 3 | Nationwide | $54 | 90 |
| 4 | AAA | $70 | 88 |
| 5 | Allstate | $60 | 88 |
| 6 | Prudential | $53 | 88 |
| 7 | Transamerica | $67 | 87 |
| 8 | State Farm | $95 | 85 |
| 9 | Haven | $105 | 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.
In Aurora, Mutual of Omaha stands out for men and women seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and 88, respectively. It offers an average monthly premium of $59 for men and $71 for women.
Smoking significantly impacts life insurance premiums due to the increased health risks associated with tobacco use. Mutual of Omaha's top score is based on a blend of affordability, customer satisfaction, and financial stability, making it a smart choice for those seeking a reliable term life insurance provider.
| 1 | Mutual of Omaha | $59 | 90 |
| 2 | Nationwide | $62 | 89 |
| 3 | AAA | $64 | 88 |
| 4 | Protective | $82 | 88 |
| 5 | Prudential | $47 | 88 |
| 6 | Transamerica | $58 | 87 |
| 7 | State Farm | $78 | 85 |
| 8 | Allstate | $98 | 84 |
| 9 | Haven | $97 | 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 Aurora, Protective stands out with a MoneyGeek score of 92 and a monthly premium of roughly $8 for women and $7 for men.
Age significantly influences the cost of life insurance premiums, with younger adults generally enjoying lower rates due to their lower risk profile. Protective excels in customer satisfaction, financial stability and product diversity, making it a top choice. Understanding the factors that contribute to premium costs can help consumers make informed decisions.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 89 |
| 4 | AAA | $10 | 88 |
| 5 | Allstate | $9 | 87 |
| 6 | Transamerica | $10 | 86 |
| 7 | Prudential | $11 | 85 |
| 8 | Haven | $11 | 84 |
| 9 | State Farm | $15 | 84 |
| 10 | Bestow | $15 | 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.
Protective offers the best cheap term life insurance in Aurora for both men and women, with a MoneyGeek score of 92 and monthly premiums of $13 for women and $12 for men. Protective's high MoneyGeek score reflects its balanced affordability, customer satisfaction and financial stability.
Age, health and coverage affect the cost of life insurance. To get the lowest premiums, strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $12 | 92 |
| 2 | Nationwide | $14 | 91 |
| 3 | Mutual of Omaha | $14 | 90 |
| 4 | Allstate | $15 | 89 |
| 5 | AAA | $16 | 88 |
| 6 | Transamerica | $16 | 88 |
| 7 | Prudential | $16 | 87 |
| 8 | Haven | $19 | 83 |
| 9 | State Farm | $24 | 82 |
The average cost of term life insurance in Aurora is $23 per month for women and $24 per month for men.
Several factors influence the cost of life insurance premiums, including the policyholder's age, health, lifestyle, occupation and the amount of coverage they seek. Insurers assess these factors to determine the risk associated with insuring an individual, which in turn affects the premium cost.
Due to local health statistics, economic conditions, and specific risk factors in Aurora, the cost of life insurance might be higher or lower than in the rest of Colorado. For instance, if Aurora has higher health care costs or a higher prevalence of certain health conditions, insurers might charge more for coverage. Conversely, if the area has a lower risk profile, premiums might be more affordable.
Protective has the best life insurance in Aurora for men with a MoneyGeek score of 92. The company's high ratings in affordability and customer satisfaction make it a top choice.
The monthly premium cost for the best life insurance for men in Aurora is approximately $25. This cost is based on a 20-year term policy with a coverage amount between $250k and $500k.
Protective is the best life insurance company in Aurora for women, boasting a MoneyGeek score of 92 out of 100. The company excels in affordability and customer satisfaction, making it a reliable option.
The monthly premium cost for the best life insurance for women in Aurora is about $25. This rate applies to a 20-year term policy with coverage between $250k and $500k.
Life insurance in Aurora is not significantly different from the rest of Colorado. Protective is the top provider statewide, offering consistent affordability and customer satisfaction. The policies and premiums are similar, ensuring residents across Colorado have access to quality life insurance options.
If a life insurance company goes bankrupt in Aurora, state guaranty associations typically provide protection. These associations ensure policyholders receive coverage up to certain limits. It's crucial to understand the specific protections offered by the Colorado Life and Health Insurance Protection Association.
Aurora residents might need life insurance for various reasons, such as providing financial security for dependents, covering outstanding debts, or ensuring funds for funeral expenses. Life insurance can offer peace of mind, knowing loved ones are financially protected in case of unexpected events.
To find a lost life insurance policy in Aurora, contact the insurance company directly or check with the Colorado Division of Insurance. They can assist in locating the policy. Additionally, checking bank statements for premium payments can provide clues to the insurer.
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.
