Updated: November 21, 2024
Advertising & Editorial Disclosure
In Chandler, Arizona, the best life insurance provider for women is Protective with a MoneyGeek score of 92 and a monthly premium of $39. For men, the top provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $57.
These scores and premium costs are based on a 20-year term policy and $500,000 coverage. Different factors should be considered when deciding on what type of life insurance to buy. 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 Chandler, Arizona.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceChandler, AZBest Life Insurance Companies in Chandler
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.
For the best life insurance in Chandler, Mutual of Omaha is the top provider for men with a MoneyGeek score of 91 out of 100 at $57 per month, while Protective leads for women with a MoneyGeek score of 92 out of 100 at $39 per month.
The top providers for men are:
The top providers for women are:
Mutual of Omaha and Protective stand out for their high MoneyGeek scores, indicating strong performance in affordability, customer satisfaction and financial stability.
In Chandler, Mutual of Omaha is the top life insurance choice for men with a score of 91 at $57 a month.
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In Chandler, Protective stands out as the top life insurance choice for women, with a MoneyGeek score of 92 and a monthly premium of $39. It offers reliable financial stability and excellent customer satisfaction, making it a solid 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 term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective is the best term life insurance for women in Chandler, wiith a MoneyGeek score of 92 and a monthly premium of $21. For men, Mutual of Omaha leads with a score of 91 at $28 per month. These companies offer policies that balance cost with customer satisfaction, financial stability, and product diversity.
The top providers for men are:
The top providers for women are:
Term life insurance provides coverage for a specified term, offering a death benefit if the insured passes away during that period. It's a straightforward choice for those who need coverage for a certain time frame, such as until a mortgage is paid off or children are financially independent.
Mutual of Omaha stands out as the leading provider of term life insurance for men in Chandler, with a MoneyGeek score of 91. Men can secure their policy at a monthly premium of $28, ensuring both value and security. The company's high ratings in key areas make it a reliable choice for those seeking life insurance coverage.
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Protective stands out as the premier choice for women seeking term life insurance in Chandler, with a MoneyGeek score of 92. The company offers affordable protection at a monthly premium of $21, ensuring financial security is within reach.
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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.
For individuals in Chandler seeking the best whole life insurance, Protective emerges as the top choice for men and women, boasting a MoneyGeek score of 92 out of 100. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a reliable option for long-term protection and financial security.
The top providers for men are:
The top providers for women are:
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire lifetime, as long as premiums are paid. It can be an ideal choice for those who want the certainty of fixed premiums and a guaranteed death benefit. For example, someone might choose whole life insurance to ensure that their family is financially protected or to leave a legacy, regardless of how long they live.
Protective emerges as the premier provider of whole life insurance in Chandler for men and women, with a MoneyGeek score of 92 for each. This score reflects the company's commitment to excellence across various metrics, ensuring policyholders receive quality service and reliable coverage.
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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 provides the best universal life insurance in Chandler for men and women, with a MoneyGeek score of 91 for each. This score indicates that Protective offers a strong combination of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Universal life insurance is a type of permanent life insurance that offers flexible premiums and the potential for cash value growth. For example, someone might choose this insurance over term life insurance if they are interested in a policy that can serve as both a death benefit and an investment component, adapting to their changing financial needs over time.
For those seeking the best universal life insurance in Chandler, Protective emerges as the top choice for men and women, boasting MoneyGeek scores of 91 for both. This reflects a strong alignment with consumer needs across key metrics.
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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 emerges as the best life insurance with no mandatory medical exam in Chandler for men and women, with a MoneyGeek score of 91 out of 100. This score reflects a balance of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage quickly and with less effort, bypassing the traditional health assessment. This can be particularly beneficial for those with health conditions that could either raise premiums or disqualify them from coverage altogether. For example, a person with a chronic illness might opt for no medical exam insurance to secure a policy more easily and ensure their loved ones are protected.
When it comes to securing no-medical-exam life insurance in Chandler, Protective stands out as a leading choice for men and women. With a MoneyGeek score of 91 for each, Protective offers a reliable option for those seeking coverage without the hassle of a medical exam. Consumers can expect a solid balance of cost, customer satisfaction and financial stability with this provider.
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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 insurance for seniors in Chandler, **Mutual of Omaha leads with a MoneyGeek Score of 91 and a monthly premium of $104. Women find their top choice in Protective, with a score of 90 and a premium of $101.
Age increases the cost of life insurance premiums; older individuals generally pay more due to higher associated risks. Mutual of Omaha and Protective stand out for their customer satisfaction, financial stability, and product offerings. These factors contribute to their high MoneyGeek scores, making them preferred options for seniors prioritizing reliable coverage.
| 1 | Mutual of Omaha | $104 | 91 |
| 2 | Nationwide | $95 | 91 |
| 3 | Protective | $145 | 89 |
| 4 | Transamerica | $106 | 88 |
| 5 | Prudential | $95 | 87 |
| 6 | State Farm | $160 | 86 |
| 7 | Allstate | $159 | 85 |
| 8 | AAA | $186 | 85 |
| 9 | Haven | $218 | 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.
For men seeking the best term life insurance for smokers in Chandler, Mutual of Omahaleads with a MoneyGeek Score of 91 and a monthly premium of $63. For women, Allstate is at the forefront, scoring 88 with a monthly premium of $39.
Smoking significantly influences life insurance premiums due to the associated health risks. Insurers evaluate the increased likelihood of illness, which is reflected in the cost. A higher MoneyGeek score indicates a company's ability to offer competitive rates, robust customer service, and financial reliability, key factors for anyone requiring dependable life insurance coverage.
| 1 | Mutual of Omaha | $63 | 90 |
| 2 | Nationwide | $63 | 89 |
| 3 | Allstate | $58 | 88 |
| 4 | Transamerica | $55 | 88 |
| 5 | Prudential | $51 | 88 |
| 6 | Protective | $97 | 87 |
| 7 | State Farm | $85 | 86 |
| 8 | AAA | $108 | 86 |
| 9 | Haven | $112 | 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 Chandler, Protective stands out with a MoneyGeek score of 92 for women and 91 for men, and monthly premiums of $13 and $18 respectively.
Age significantly affects the cost of life insurance premiums. Younger individuals typically pay lower premiums because they are generally healthier and pose a lower risk to insurers. Protective achieves the highest MoneyGeek scores due to its excellent affordability, customer satisfaction and financial stability.
| 1 | Protective | $18 | 91 |
| 2 | Mutual of Omaha | $18 | 91 |
| 3 | Nationwide | $17 | 91 |
| 4 | Transamerica | $20 | 87 |
| 5 | AAA | $28 | 86 |
| 6 | State Farm | $30 | 85 |
| 7 | Prudential | $24 | 85 |
| 8 | Haven | $24 | 84 |
| 9 | Allstate | $30 | 84 |
| 10 | Bestow | $33 | 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 men seeking the best cheap term life insurance in Chandler, Nationwide stands out with a MoneyGeek score of 93 and a monthly premium of $26. For women, Protective is the top choice, with a MoneyGeek score of 92 and a monthly premium of $21. Factors influencing life insurance premiums include age, health, coverage amount, and term length.
To get the lowest premiums, maintain good health, choose a shorter term length and opt for the necessary coverage amount. Nationwide's high score is due to its excellent affordability and buying process, while Protective excels in customer satisfaction and financial stability.
| 1 | Nationwide | $26 | 93 |
| 2 | Mutual of Omaha | $28 | 91 |
| 3 | Protective | $30 | 90 |
| 4 | Transamerica | $30 | 89 |
| 5 | Prudential | $34 | 86 |
| 6 | AAA | $45 | 84 |
| 7 | Allstate | $45 | 83 |
| 8 | State Farm | $46 | 82 |
| 9 | Haven | $41 | 81 |
The average monthly premium for term life insurance in Chandler is $38 for women and $53 for men. Many factors affect the cost of life insurance premiums. These include age, health, lifestyle choices, and the amount of coverage desired. Insurers also consider local economic conditions and health statistics when setting rates.
In Chandler, life insurance premiums might be different from the rest of Arizona due to several local factors. The cost of living, local health trends and economic conditions can all influence insurance rates.
Mutual of Omaha offers the best life insurance for men in Chandler. This company has a high MoneyGeek score of 91, making it the top choice.
The monthly premium cost for the best life insurance for men in Chandler, offered by Mutual of Omaha, is $57.
Protective provides the best life insurance for women in Chandler. With a MoneyGeek score of 92, it stands out as the top option for women residents.
The monthly premium cost for the best life insurance for women in Chandler, offered by Protective, is $39. This makes it an affordable and reliable choice.
Life insurance in Chandler may differ from other parts of Arizona in terms of premium costs and company ratings. For example, Mutual of Omaha and Protective have high MoneyGeek scores for Chandler. Residents should compare these factors with other cities in Arizona.
If a life insurance company goes bankrupt in Chandler, state guaranty associations typically step in to protect policyholders. These associations may cover claims up to certain limits, ensuring that policyholders do not lose their benefits entirely.
Chandler residents might need life insurance to provide financial security for their families, cover debts or ensure their children’s education. Life insurance can also help with estate planning and final expenses, offering peace of mind.
To find a lost life insurance policy in Chandler, residents can check through personal records, contact the deceased’s financial advisors or use online search tools. Additionally, contacting the state insurance department can provide further assistance.
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.
