Best Life Insurance in New York (December 2024)

Mutual of Omaha emerges as the top life insurance company in New York for women, with a MoneyGeek score of 96 and a monthly premium of $12. For men, Haven stands out among the top insurance companies in New York with a MoneyGeek score of 95 and a lower monthly premium cost of $10. The best policy may vary based on factors such as coverage, term duration and personal health.

Mutual of Omaha is the best among New York life insurance companies for women, topping the MoneyGeek scores with an overall score of 96 and a monthly premium of $12. For men, Haven leads the rank with a MoneyGeek score of 95 and a monthly premium of $10.

Here are the top New York insurance companies:

• Mutual of Omaha: MoneyGeek score of 96 out of 100 ($14 per month for men; $12 per month for women)
• Haven: MoneyGeek score of 95 out of 100 ($10 per month for men; $9 per month for women)
• Prudential: MoneyGeek score of 94 out of 100 ($11 per month for men; $10 per month for women)

These companies excel in affordability and overall satisfaction.

Mutual of Omaha leads as the best term life insurance in New York, with a MoneyGeek score of 95 for both men and women. The monthly premiums are $9 for men and $8 for women.

The top life insurance agencies with the highest MoneyGeek scores are:

• Mutual of Omaha: MoneyGeek score of 95 out of 100 ($9 per month for men; $8 per month for women)
• Nationwide: MoneyGeek score of 95 out of 100 ($15 per month for men; $12 per month for women)
• Haven: MoneyGeek score of 95 out of 100 ($7 per month for men; $6 per month for women)

State Farm is the premier provider of the best whole life insurance in New York for both men and women, achieving an impressive MoneyGeek score of 99 out of 100.

The top insurance companies in New York based on MoneyGeek scores are as follows:

• State Farm: MoneyGeek score of 99 out of 100
• Nationwide: MoneyGeek score of 98 out of 100
• Mutual of Omaha: MoneyGeek score of 96 out of 100

Nationwide is the leader in providing the best universal life insurance in New York for both men and women, with a robust MoneyGeek score of 99.

When considering the best universal life insurance in New York state, here are the top three highest MoneyGeek scores:

• Nationwide: MoneyGeek score of 99 out of 100
• State Farm: MoneyGeek score of 98 out of 100
• Mutual of Omaha: MoneyGeek score of 97 out of 100

Nationwide is distinguished as the best no-medical-exam life insurance provider in New York for both men and women, with a MoneyGeek score of 99. When you're exploring options for the best no-medical-exam life insurance, knowing the top-rated companies is invaluable.

Here's a glance at the top three NY state life insurance providers:

• Nationwide: MoneyGeek score of 99 out of 100
• State Farm: MoneyGeek score of 99 out of 100
• Mutual of Omaha: MoneyGeek score of 97 out of 100

Prudential provides the best term life insurance for seniors in New York for both men and women, with a MoneyGeek Score of 95 for each. For women, the monthly premium is $20, while for men, it is $28. The consistency of high scores across categories, particularly in customer satisfaction and affordability, underscores Prudential's commitment to excellence.

Mutual of Omaha is the top provider of the best term life insurance for smokers in New York, achieving a MoneyGeek score of 95 for females and 95 for males. The company offers premiums costing approximately $36 monthly for women and $40 for men. A key reason for their high MoneyGeek score is their balanced blend of affordability and customer satisfaction.

Mutual of Omaha offers the best term life insurance for young adults in New York, with a MoneyGeek score of 96 for women and a near-identical top score for men. Women would pay a monthly premium of $5, while men would pay $6. The top ranking reflects Mutual of Omaha's strong performance across key factors like customer satisfaction and affordability, both crucial considerations for young adults seeking reliable and cost-effective insurance options.

Prudential offers the best cheap term life insurance in New York, boasting the highest MoneyGeek score of 96 for women and a significant score of 94 for men. Women benefit from a monthly premium of approximately $6, while men have a slightly higher premium of around $8. Evidently, the reliability and affordability of their policies contribute largely to their dominant MoneyGeek scores.

The average monthly premiums for life insurance in New York is $44 for women and $51 for men. The average cost of life insurance is influenced by factors such as age, health history, lifestyle and the coverage amount selected. Smokers, for example, may face higher premiums due to increased health risks.