Updated: November 18, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Beaumont, Texas, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $41 and $29, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider various factors such as affordability, customer satisfaction and financial stability. 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 Beaumont, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceBeaumont, TXBest Life Insurance Companies in Beaumont
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 is the best life insurance provider in Beaumont, with a MoneyGeek score of 91 for men and 92 out of 100 for women. Its average monthly premiums are $41 and $29, respectively.
Top providers for men:
Top providers for women:
Protective's high scores and balanced mix of affordability, customer satisfaction and financial stability make it the best choice for the average individual looking to purchase life insurance in Beaumont.
In Beaumont, Protective is the premier life insurance provider for men and women, with MoneyGeek scores of 92 and 91, respectively. The company offers competitive monthly premiums of $29 for women and $41 for men, ensuring affordability alongside its top-tier coverage options.
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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.
In Beaumont, Mutual of Omaha provides best term life insurance for men, with a MoneyGeek score of 91 and an average monthly premium of $20. For women Protective leads with a MoneyGeek score of 92 and a monthly premium of around $16. This company offers a balance of affordability, customer satisfaction and financial stability, making it a top choice for individuals seeking reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that covers the insured for a predetermined term, offering a death benefit if the insured passes away during that term. For example, a parent might opt for term insurance to ensure their child's education costs are covered in the event of their untimely death.
Mutual of Omaha is the premier choice for term life insurance for men in Beaumont, Texas, with a MoneyGeek score of 91. Men can secure reliable coverage at an average monthly premium of $20.
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Protective is the premier choice for term life insurance for women in Beaumont, offering a balance of value and satisfaction. With a MoneyGeek score of 92 and an average monthly premium of $16, it provides a financially prudent option for securing 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 provides the best whole life insurance in Beaumont, with a MoneyGeek score of 92 for men and women. The company's high score indicates it offers a blend of affordability, customer satisfaction and financial stability, which are key factors for the average individual considering a whole life insurance policy.
Top whole life companies for men in Beaumont:
Top whole life companies for women in Beaumont:
Whole life insurance offers a fixed premium and a death benefit that does not expire, unlike term life insurance. For example, a parent might choose whole life insurance to ensure that, no matter when they pass away, there will be financial support for their children's education or inheritance.
Protective is the top provider of the best whole life insurance in Beaumont, with a MoneyGeek score of 92 for men and women. It stands out for its commitment to customer satisfaction and affordability.
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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 Beaumont, Protective is the premier choice for men and women seeking the best universal life insurance, with a MoneyGeek score of 91 out of 100 for both. This score reflects Protective's competitive pricing, excellent customer satisfaction and strong financial stability — key factors for anyone seeking a reliable insurance provider.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For example, someone who anticipates significant life changes, such as starting a family or changing careers, might opt for universal life insurance to adapt their coverage as their needs evolve.
Protective is the premier choice for universal life insurance in Beaumont, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to providing excellent 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.
Protective is the best no-medical-exam life insurance provider in Beaumont, with a MoneyGeek score of 91 for men and women. It stands out for its affordability, customer satisfaction and financial stability, making it a solid choice for those seeking reliable coverage without undergoing a medical examination.
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 the convenience of coverage without needing a physical assessment, which can be a hurdle for some applicants. For instance, a busy professional in Beaumont might opt for this type of policy to save time or avoid the stress of a medical check-up.
In Beaumont, Protective is the premier provider of life insurance without a required medical exam, with a MoneyGeek score of 91 for men and women. This distinction underscores its commitment to offering a comprehensive package that addresses the needs of diverse clients with efficiency and 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 for seniors in Beaumont, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $81. For women, Protective takes the top spot with a MoneyGeek score of 92 and an average monthly premium of $68.
Age is a determining factor in life insurance premiums, as older individuals pose a higher risk to insurers. Mutual of Omaha and Protective earned their high MoneyGeek scores through a combination of affordability, customer satisfaction and financial stability. These aspects are pivotal for seniors in Beaumont who prioritize value and security in their insurance provider.
| 1 | Mutual of Omaha | $81 | 91 |
| 2 | Nationwide | $67 | 91 |
| 3 | Protective | $87 | 90 |
| 4 | Prudential | $81 | 86 |
| 5 | Transamerica | $92 | 86 |
| 6 | Allstate | $109 | 86 |
| 7 | AAA | $128 | 85 |
| 8 | State Farm | $121 | 85 |
| 9 | Haven | $148 | 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 Beaumont, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and an average monthly premium of $45. For women, Allstate leads with a MoneyGeek score of 89 and a monthly premium of around $30.
Smoking raises premiums significantly because it is associated with greater health risks. Mutual of Omaha's and Allstate's high MoneyGeek scores indicate a balance of affordability, customer satisfaction and financial stability, which is crucial for those relying on life insurance to secure their future.
| 1 | Mutual of Omaha | $45 | 91 |
| 2 | Nationwide | $41 | 90 |
| 3 | Allstate | $40 | 88 |
| 4 | Transamerica | $40 | 88 |
| 5 | Protective | $63 | 88 |
| 6 | Prudential | $38 | 88 |
| 7 | State Farm | $59 | 85 |
| 8 | AAA | $72 | 85 |
| 9 | Haven | $72 | 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 those seeking the best term life insurance for young adults in Beaumont, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $13 and $10, respectively.
Age significantly affects life insurance premiums, with younger adults generally paying less. Protective's high score is attributed to its affordability, customer satisfaction and financial stability. These factors make it a strong choice for young adults in Beaumont looking for term life insurance.
| 1 | Protective | $13 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $14 | 87 |
| 5 | AAA | $19 | 85 |
| 6 | Prudential | $16 | 85 |
| 7 | State Farm | $20 | 85 |
| 8 | Allstate | $20 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 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 Beaumont, Nationwide tops the list for men, with a MoneyGeek score of 93 and an average monthly premium of $18. Its high score is due to its strong buying process and financial stability. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of around $16. Its top score is attributed to its excellent customer satisfaction and affordability.
Factors affecting life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain good health, avoid tobacco and choose a term length that meets your needs.
| 1 | Nationwide | $18 | 93 |
| 2 | Mutual of Omaha | $20 | 91 |
| 3 | Protective | $20 | 91 |
| 4 | Transamerica | $22 | 88 |
| 5 | Prudential | $24 | 86 |
| 6 | AAA | $31 | 84 |
| 7 | Allstate | $31 | 84 |
| 8 | State Farm | $32 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly premium for term life insurance in Beaumont is $29 for women and $37 for men. Several factors affect life insurance premiums, including age, health, occupation, lifestyle, policy term and the amount of coverage.
In Beaumont, these premiums might be influenced by local health statistics, cost of living and regional insurance regulations. These factors can lead to higher or lower costs than other parts of Texas. Understanding these variables can help you make informed decisions about your life insurance needs.
Protective has the best life insurance for men in Beaumont, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Beaumont is $41. This rate is based on the highest MoneyGeek score for male policyholders in the city.
Protective offers the best life insurance for women in Beaumont, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Beaumont is $29. This rate is associated with the highest MoneyGeek score for female policyholders.
Life insurance in Beaumont may differ from other parts of Texas in terms of premium costs and coverage options. For example, Protective offers competitive rates and has high MoneyGeek scores in Beaumont. Understanding local market dynamics can help consumers make informed decisions.
If a life insurance company goes bankrupt in Beaumont, policyholders are usually protected by state guaranty associations. These associations ensure that claims are paid up to certain limits, providing a safety net for policyholders during financial instability.
Beaumont residents might need life insurance to provide financial security for their families. It can cover expenses like mortgages, education and daily living costs. Life insurance can also help with estate planning and ensuring loved ones are cared for.
To find a lost life insurance policy in Beaumont, start by checking personal records and contacting the insurance company. The Texas Department of Insurance can also assist in locating unclaimed policies. Online tools and databases may also be helpful.
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.
