Updated: November 22, 2024
Advertising & Editorial Disclosure
The best life insurance provider for women in Clarksville, Tennessee, is Protective, with a MoneyGeek score of 92 and a monthly premium of $18. For men, the best provider is Mutual of Omaha, with a MoneyGeek score of 91 and a monthly premium of $31.
Different factors should be considered when deciding on what type of life insurance to buy. These scores and premium costs are based on a 20-year term policy and $500,000 coverage. 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 Clarksville, Tennessee.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceClarksville, TNBest Life Insurance Companies in Clarksville
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 Clarksville for women with a MoneyGeek score of 92 out of 100 at $18 per month. For men, Mutual of Omaha is the top provider with a MoneyGeek score of 91 out of 100 at $31 per month.
The top providers for men are:
The top providers for women are:
Mutual of Omaha and Protective offer the best combination of affordability, customer satisfaction and financial stability. Their high MoneyGeek scores reflect their reliability and value, making them excellent choices for life insurance in Clarksville.
In Clarksville, Mutual of Omaha stands out for men with a score of 91. Men can secure coverage at a monthly premium of $31. Mutual of Omaha excels in meeting customer needs and offering value for money.
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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.
For men seeking the best term life insurance in Clarksville, Mutual of Omaha stands out with a MoneyGeek score of 92 and a monthly premium of $13. Women will find Protective the top choice, scoring 92 with a $9 monthly premium. These companies offer reliability and affordability.
The top providers for men are:
The top providers for women are:
Term life insurance is a policy where you pay premiums for a specific term, and if you pass away during that term, your beneficiaries receive a payout. This type of insurance is ideal for those who need coverage for a certain period, such as until a mortgage is paid off or children have completed their education.
For men seeking term life insurance in Clarksville, Mutual of Omaha stands out with a MoneyGeek score of 92. This company offers a monthly premium of $13, providing a balance of cost and quality service.
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For women in Clarksville seeking term life insurance, Protective emerges as the leading choice with a MoneyGeek score of 92. At a monthly premium cost of $9, it offers a balance of value and reliability.
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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 top choice for the best whole life insurance in Clarksville for men and women, with a MoneyGeek score of 92 out of 100. This company stands out for its strong customer satisfaction, financial stability and diverse product offerings, making it a solid option for people seeking reliable life insurance coverage.
The top providers for men are:
The top providers for women are:
Whole life insurance is a type of permanent life insurance that offers lifelong coverage and includes an investment component known as the cash value. For example, someone might choose whole life insurance over term life for the potential to accumulate cash value that can be borrowed against in the future.
In Clarksville, Protective emerges as the best choice for whole life insurance for men and women, boasting a MoneyGeek score of 92 for each. This score reflects the company's commitment to providing a robust insurance offering that meets the needs of its diverse clientele.
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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 Clarksville for men and women, boasting a MoneyGeek score of 91 for each. This score reflects a blend of affordability, customer satisfaction, financial stability and product options that Protective offers.
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 to accumulate cash value over time. For example, someone might choose universal life insurance over term life insurance for the added benefit of cash value, which can be borrowed against if needed.
In Clarksville, Protective stands out as the premier choice for universal life insurance for men and women. With MoneyGeek scores of 91 for each, Protective demonstrates a strong commitment to 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 provides the life insurance with no mandatory medical exam in Clarksville for men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to affordability, customer satisfaction, and financial stability.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance offers a quick and accessible way to obtain coverage without the need for a medical check-up. For example, someone with a busy schedule or a pre-existing health condition might opt for this insurance to avoid the delays and complications of a traditional policy application process.
Protective emerges as the premier choice for no-medical-exam life insurance for men and women in Clarksville, boasting a MoneyGeek score of 91 for each gender. This score reflects a harmonious blend of customer satisfaction, cost-effectiveness, and financial robustness.
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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.
Mutual of Omaha offers the best term life insurance for seniors in Clarksville for men, with a MoneyGeek score of 67 and a monthly premium of $53. Protective leads for women, also with a MoneyGeek score of 67, but at a more affordable monthly premium of $38.
Age significantly influences life insurance premiums, as older individuals typically face higher rates due to increased health risks. The high MoneyGeek scores for Mutual of Omaha and Protective reflect their strong customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $53 | 92 |
| 2 | Protective | $61 | 91 |
| 3 | Nationwide | $53 | 91 |
| 4 | Transamerica | $63 | 87 |
| 5 | Prudential | $65 | 86 |
| 6 | State Farm | $93 | 85 |
| 7 | AAA | $92 | 85 |
| 8 | Allstate | $102 | 84 |
| 9 | Haven | $102 | 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 Clarksville, the best term life insurance for smokers is provided by Mutual of Omaha, with a MoneyGeek score of 91 for men at a monthly premium of $29 and 89 for women at $23.
Thse premiums reflect the elevated risk insurers take on due to the health impacts of smoking, which can lead to higher claims. Mutual of Omaha's high MoneyGeek score indicates a balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $29 | 91 |
| 2 | Nationwide | $35 | 89 |
| 3 | Allstate | $27 | 88 |
| 4 | Protective | $43 | 88 |
| 5 | Transamerica | $26 | 88 |
| 6 | Prudential | $29 | 87 |
| 7 | State Farm | $41 | 86 |
| 8 | AAA | $54 | 85 |
| 9 | Haven | $53 | 83 |
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 young adults in Clarksville, the best term life insurance for young adults varies by gender. For men, Mutual of Omaha stands out with a MoneyGeek score of 92 and a monthly premium of $8. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $6.
Age plays a significant role in life insurance premiums. Younger individuals generally pay lower premiums as they are considered lower risk. The high MoneyGeek scores for both companies indicate strong affordability, customer satisfaction, and financial stability. Choosing the right term life insurance is important for young adults in Clarksville to ensure they get the best value and coverage.
| 1 | Mutual of Omaha | $8 | 92 |
| 2 | Protective | $9 | 92 |
| 3 | Nationwide | $9 | 90 |
| 4 | Transamerica | $9 | 88 |
| 5 | AAA | $14 | 87 |
| 6 | Allstate | $14 | 86 |
| 7 | Haven | $11 | 86 |
| 8 | State Farm | $16 | 85 |
| 9 | Prudential | $13 | 85 |
| 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.
In Clarksville, the company with the best cheap term life insurance for men is Mutual of Omaha, with a MoneyGeek score of 92 and a monthly premium of $13. For women, the top company is Protective, with a MoneyGeek score of 92 and a monthly premium of $9.
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 a lower coverage amount. The winning companies have high MoneyGeek scores due to their balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $13 | 92 |
| 2 | Nationwide | $15 | 91 |
| 3 | Protective | $14 | 91 |
| 4 | Transamerica | $15 | 89 |
| 5 | Prudential | $20 | 84 |
| 6 | Allstate | $23 | 84 |
| 7 | Haven | $19 | 84 |
| 8 | AAA | $22 | 84 |
| 9 | State Farm | $25 | 82 |
The average monthly cost of term life insurance premiums in Clarksville is $18 for women and $29 for men. These figures reflect the general cost of coverage in the area and can vary based on individual circumstances. Several factors affect the cost of life insurance premiums, including age, health, lifestyle, occupation, coverage amount and term length. Each of these elements plays a role in determining the final premium cost.
The cost of life insurance in Clarksville might be dfifferent compared with the rest of Tennessee due to various reasons. Local health statistics, economic factors, competition among insurers and regional risk factors can all influence premium rates. For instance, if Clarksville has higher average health risks or fewer insurance providers, premiums might be higher. Conversely, a competitive market or lower risk factors could result in lower costs. Understanding these factors can help you make informed decisions about purchasing life insurance in Clarksville.
Mutual of Omaha offers the best life insurance in Clarksville for men. This company has the highest MoneyGeek score of 91, making it the top choice for male policyholders.
The monthly premium cost for the best life insurance for men in Clarksville, provided by Mutual of Omaha, is $31.
Protective offers the best life insurance in Clarksville for women. This company has the highest MoneyGeek score of 92, making it the top choice for women policyholders.
The monthly premium cost for the best life insurance for women in Clarksville, provided by Protective, is $18.
Life insurance in Clarksville may have different premium costs and company rankings compared with the rest of Tennessee. For example, Protective and Mutual of Omaha have the best scores in Clarksville. Premiums might also vary based on local factors and demographics.
If a life insurance company goes bankrupt in Clarksville, state guaranty associations often step in. These associations provide coverage up to certain limits. Policyholders should check their state’s specific limits and protections to understand their coverage.
Clarksville residents might need life insurance to provide financial security for their families. It can cover expenses such as mortgages, education, and daily living costs. Life insurance ensures loved ones are supported financially in case of unexpected events.
To find a lost life insurance policy in Clarksville, start by checking personal records and contacting the deceased’s financial advisors. You can also contact the insurance company directly or use online tools and databases to search for 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.
