Updated: November 21, 2024
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Protective is the best life insurance provider in Boise City, Idaho, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $37 for males and $33 for females. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider your age, health and coverage needs. Your unique situation 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 Boise City, Idaho.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceBoise City, IDBest Life Insurance Companies in Boise City
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 Boise City, with MoneyGeek scores of 92 for men and 91 for women and average monthly premiums of $37 and $33, respectively.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek score reflects strong performance in affordability, customer satisfaction and financial stability.
Protective is Boise City's best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $37 for males and $33 for females. The insurer performs strongly across key metrics, making it a reliable insurer for residents seeking comprehensive protection.
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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.
Protective has the best term life insurance in Boise City, with MoneyGeek scores of 91 for men and 92 for women and an average monthly premium of $18 for both genders. Its high affordability and customer satisfaction scores make it a reliable choice for financial protection.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage for a specific term and offers a death benefit to beneficiaries if the insured passes away during the term. A parent might choose term life insurance to ensure funding for their child's education if they were to die prematurely.
In Boise City, Protective is the best term life insurance provider, earning a MoneyGeek score of 91 for men and 92 for women. It balances affordability and high-quality service with a low monthly premium of $18 for both genders.
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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 Boise City, with a MoneyGeek score of 92 for men and women. This score reflects the company's strong affordability, customer satisfaction and financial stability.
Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose this insurance to ensure their family's financial stability while building cash value that can be borrowed against.
In Boise City, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. Its exceptional customer service and affordability ensure policyholders receive quality coverage without financial strain.
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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 has Boise City's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong balance of affordability, customer satisfaction and financial stability.
Universal life insurance offers flexibility in premiums and death benefits, benefiting those who value adaptability in their financial planning. Someone interested in long-term estate planning might choose it to ensure their coverage adjusts to their changing financial needs.
Protective is Boise City's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, it stands out for its affordability, 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 offers the best life insurance in Boise City without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance with no mandatory medical exam allows prospective policyholders to get coverage quickly without needing a health checkup. Someone with a busy schedule or fearing medical tests might choose this insurance over traditional policies for its convenience and ease of application.
In Boise City, Protective is the top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects its good balance of quality 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 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 Boise City, Mutual of Omaha is the top choice for male seniors, with a MoneyGeek score of 91 and an average monthly premium of $79. For women, Protective leads with a score of 90 and a premium of $85.
Age affects premiums because health risks increase as people get older. Insurers consider this in their pricing. Mutual of Omaha's and Protective's top scores reflect their strong customer satisfaction, financial stability and product diversity, making them the best term life insurance companies for seniors.
| 1 | Mutual of Omaha | $79 | 91 |
| 2 | Protective | $87 | 90 |
| 3 | Nationwide | $72 | 90 |
| 4 | Transamerica | $63 | 88 |
| 5 | Allstate | $71 | 88 |
| 6 | AAA | $99 | 88 |
| 7 | Prudential | $72 | 87 |
| 8 | State Farm | $121 | 85 |
| 9 | Haven | $162 | 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 provides the best term life insurance for smokers in Boise City, with MoneyGeek scores of 90 for men and 89 for women. The average monthly premiums are $48 for males and $51 for females.
Smoking increases life insurance premiums due to health risks. Mutual of Omaha’s top scores for affordability, customer satisfaction and financial stability make it the top choice for smokers.
| 1 | Mutual of Omaha | $48 | 90 |
| 2 | Nationwide | $47 | 89 |
| 3 | Protective | $74 | 88 |
| 4 | AAA | $51 | 88 |
| 5 | Transamerica | $42 | 88 |
| 6 | Prudential | $38 | 88 |
| 7 | State Farm | $64 | 85 |
| 8 | Allstate | $69 | 85 |
| 9 | Haven | $83 | 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.
Protective offers the best term life insurance for young adults in Boise City, with a MoneyGeek score of 92 and an average monthly premium of $11 for men and women.
Age significantly affects premiums because younger adults typically have lower health risks. Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability and financial stability.
| 1 | Protective | $11 | 92 |
| 2 | Mutual of Omaha | $14 | 90 |
| 3 | Nationwide | $13 | 90 |
| 4 | Allstate | $11 | 89 |
| 5 | AAA | $15 | 88 |
| 6 | Transamerica | $12 | 88 |
| 7 | State Farm | $23 | 85 |
| 8 | Prudential | $18 | 84 |
| 9 | Haven | $18 | 84 |
| 10 | Bestow | $24 | 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.
In Boise City, Protective offers the best cheap term life insurance, with MoneyGeek scores of 91 for men and 92 for women and an average monthly premium of $18 for both genders.
Several factors influence premiums, including age, health, coverage amount and term length. To get the lowest rates, maintain a healthy lifestyle, avoid tobacco and choose a policy with a suitable coverage amount and term length.
| 1 | Protective | $18 | 91 |
| 2 | Nationwide | $20 | 91 |
| 3 | Allstate | $17 | 91 |
| 4 | Transamerica | $18 | 90 |
| 5 | Mutual of Omaha | $21 | 90 |
| 6 | AAA | $24 | 87 |
| 7 | Prudential | $25 | 85 |
| 8 | State Farm | $34 | 82 |
| 9 | Haven | $31 | 81 |
The average monthly premiums for term life insurance in Boise City are $33 for men and $29 for women. Knowing these rates can help you make informed decisions on life insurance.
Several factors affect premiums, including age, health, lifestyle and occupation. Insurance companies assess them to determine the risk of insuring a person.
Life insurance costs in Boise City may differ from those in other parts of Idaho for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence rates. For example, higher health care costs or a greater incidence of certain health conditions may increase premiums. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective offers the best life insurance for men in Boise City, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Boise City is $37.
Protective provides the best life insurance for women in Boise City, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Boise City is $33.
Life insurance in Boise City is similar to the rest of Idaho. Protective ranks highly in both areas. The factors considered, such as customer satisfaction and financial stability, remain consistent. However, specific premiums may vary slightly based on local demographics and health statistics.
If a life insurance company in Boise City goes bankrupt, state guaranty associations protect policyholders by ensuring claims are paid up to certain limits.
Boise City residents might need life insurance to cover funeral costs, pay off debts or provide for dependents. It ensures financial stability for loved ones after a policyholder's death.
To find a lost life insurance policy in Boise City, check through financial records, contact the deceased's employer and contact insurance companies. State insurance departments can 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.
