Updated: November 22, 2024
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Based on MoneyGeek scores, Protective is the best life insurance company in Bellevue, Washington, for men and women. It has a MoneyGeek score of 92 for both genders; average monthly premiums are $60 for men and $40 for women. The score and premium costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider various factors such as coverage amount, term length and health status. 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 Bellevue, Washington.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceBellevue, WABest Life Insurance Companies in Bellevue
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 Bellevue for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $60 for men and $40 for women. Its high score makes Protective a top choice for individuals seeking dependable and affordable life insurance coverage.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and competitive premiums, making it an excellent choice for the average individual looking to purchase life insurance in Bellevue. Its combination of affordability and reliability ensures comprehensive coverage without breaking the bank.
Protective is the premier choice for life insurance in Bellevue, offering exceptional value for both men and women. With a MoneyGeek score of 92 for both genders, Protective ensures financial security at a monthly premium of $40 for women and $60 for men. Customers can expect satisfaction and stability when choosing Protective for their life insurance needs.
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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 Bellevue, Protective provides the best term life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $29 for men and $21 for women. The company's high score reflects its commitment to affordability, customer satisfaction and financial stability, which are key for individuals looking for reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides coverage for a set period, making it a straightforward choice for those who need temporary financial protection. For instance, a parent with young children might opt for term insurance to ensure their educational needs are covered in case of an untimely death. Term life insurance offers a simple and cost-effective solution for those seeking to protect their loved ones financially without the commitment of a permanent policy.
Protective is the leading provider of term life insurance for men and women in Bellevue. With a MoneyGeek score of 92 for both, Protective has a monthly premium of around $29 for men and $21 for women. This company is recognized for its exceptional performance in customer satisfaction and financial stability, making it a reliable choice for life insurance 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.
In Bellevue, Protective offers the best whole life insurance, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a sound choice for the average individual seeking life-long coverage and security in financial planning.
Top whole life companies for men in Bellevue:
Top whole life companies for women in Bellevue:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. It's a suitable option for those who want predictable premiums and a guaranteed payout, ensuring long-term financial security for their beneficiaries.
In Bellevue, Protective is the premier choice for whole life insurance, with a MoneyGeek score of 92 for men and women. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable option for insurance seekers.
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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 Bellevue, Protective provides the best universal life insurance, with a MoneyGeek score of 91 for men and women. This score highlights the company's strong performance in affordability, customer satisfaction and financial stability.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers policyholders the flexibility to modify their premiums and death benefits. For instance, individuals may opt for universal life insurance instead of term life insurance to take advantage of the policy's cash value component, which can serve as a tax-deferred investment or be used to pay premiums in the future.
When searching for the best universal life insurance in Bellevue, Protective is the top choice for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's commitment to providing high-quality service and value to its customers.
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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 offers the best no-medical-exam life insurance in Bellevue for men and women, with a MoneyGeek score of 91 for both. This high score indicates that Protective offers a strong combination of affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual seeking a straightforward life insurance policy without the hassle of a medical exam.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance with no required medical exam allows individuals to secure a policy quickly and without needing a medical check-up. It can be particularly advantageous for those with health concerns or a busy lifestyle. For example, a busy parent or someone with a pre-existing condition might choose this type of insurance to ensure they can obtain coverage in a timely and less invasive manner.
In Bellevue, Protective is the premier provider of life insurance without a mandatory medical exam. It has a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to satisfaction, affordability and financial stability, making it a top choice for those seeking life insurance without needing a medical examination.
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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 the best term life insurance for seniors in Bellevue, Protective stands out for men and women. For men, it has a MoneyGeek score of 92 and an average annual premium of $132. For women, it has a MoneGeek score of 91 and a monthly premium of around $96. Protective provides a balance of affordability and quality coverage.
Age is a significant factor in life insurance costs. Premiums typically increase with the policyholder's age due to the higher risk associated with insuring older individuals. Protective's high MoneyGeek score reflects strong customer satisfaction, a smooth buying process and robust financial stability, making it a reliable choice for seniors seeking financial security.
| 1 | Protective | $132 | 92 |
| 2 | Mutual of Omaha | $149 | 91 |
| 3 | Nationwide | $136 | 90 |
| 4 | AAA | $177 | 88 |
| 5 | Prudential | $130 | 88 |
| 6 | Allstate | $163 | 87 |
| 7 | Transamerica | $163 | 87 |
| 8 | State Farm | $233 | 84 |
| 9 | Haven | $262 | 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.
Mutual of Omaha offers the best term life insurance for smokers in Bellevue, with a MoneyGeek score of 90 for men and 89 for women. Men pay an average monthly premium of $145, while women pay $111.
Smoking impacts life insurance premiums significantly due to the elevated health risks it poses. Insurers assess these risks and adjust costs accordingly. Mutual of Omaha's high MoneyGeek score reflects strong customer satisfaction, financial stability and product diversity. This information is critical for smokers in Bellevue seeking dependable coverage.
| 1 | Mutual of Omaha | $145 | 90 |
| 2 | Nationwide | $152 | 89 |
| 3 | Protective | $199 | 88 |
| 4 | AAA | $158 | 88 |
| 5 | Allstate | $136 | 88 |
| 6 | Prudential | $114 | 88 |
| 7 | Transamerica | $142 | 87 |
| 8 | State Farm | $191 | 85 |
| 9 | Haven | $239 | 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.
If you're looking for the best term life insurance for young adults in Bellevue, Protective tops the list for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $17 for men and $13 for women.
Age is a significant factor in determining life insurance premiums. Younger adults typically pay lower premiums because they are generally healthier and pose less risk to insurers. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability. For young adults in Bellevue, choosing Protective means getting reliable coverage at a competitive price.
| 1 | Protective | $17 | 92 |
| 2 | Mutual of Omaha | $21 | 91 |
| 3 | Nationwide | $22 | 89 |
| 4 | AAA | $25 | 88 |
| 5 | Transamerica | $23 | 86 |
| 6 | Prudential | $26 | 85 |
| 7 | Allstate | $35 | 85 |
| 8 | State Farm | $37 | 84 |
| 9 | Haven | $27 | 84 |
| 10 | Bestow | $37 | 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.
If you're looking for the best cheap term life insurance in Bellevue, Protective stands out with a MoneyGeek score of 92 and average monthly premiums of $21 for women and $29 for men. Protective achieves the highest MoneyGeek score due to its affordability, customer satisfaction and financial stability.
The cost of life insurance premiums can vary based on several factors, including age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, avoid tobacco and choose a term length that meets your needs without overextending.
| 1 | Protective | $29 | 92 |
| 2 | Nationwide | $35 | 91 |
| 3 | Mutual of Omaha | $34 | 90 |
| 4 | AAA | $40 | 88 |
| 5 | Transamerica | $38 | 87 |
| 6 | Prudential | $38 | 87 |
| 7 | Allstate | $51 | 83 |
| 8 | Haven | $47 | 83 |
| 9 | State Farm | $58 | 82 |
The average cost of term life insurance in Bellevue is $39 for women and $60 for men.
Many factors affect the cost of life insurance premiums, including age, health, lifestyle, policy term and coverage amount. In Bellevue, local health statistics, cost of living, crime rates and economic conditions might influence the cost of premiums compared to the rest of Washington. Understanding these factors can help consumers make informed decisions about their life insurance needs.
Protective offers the best life insurance for men in Bellevue, with a MoneyGeek score of 92 out of 100. Its policies are highly rated for affordability and customer satisfaction.
The average monthly premium for the best life insurance for men in Bellevue is $60. This cost is associated with Protective, the company with the highest MoneyGeek score.
Protective provides the best life insurance for women in Bellevue. Its MoneyGeek score of 92 out of 100 indicates a strong performance in affordability and customer satisfaction.
The average monthly premium for the best life insurance for women in Bellevue is $40. Protective, the company with the highest MoneyGeek score, offers this rate.
Life insurance in Bellevue may differ from the rest of Washington in terms of premium costs and company ratings. For example, Protective offers competitive rates and high MoneyGeek scores in Bellevue. However, rates and available companies can vary in other cities within Washington.
If a life insurance company goes bankrupt in Bellevue, your policy is typically protected by state guaranty associations. These associations cover claims up to a certain limit, ensuring policyholders are not left without coverage.
Bellevue residents might need life insurance to ensure financial security for their families. In the event of the policyholder's death, life insurance can cover expenses such as mortgages, education and daily living costs.
To find a lost life insurance policy in Bellevue, you can start by checking personal records and contacting the deceased's financial advisors. Additionally, the National Association of Insurance Commissioners offers a policy locator service to assist in finding 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.
