Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company for men and women in College Station, Texas. For men, it has a MoneyGeek score of 91 and an average monthly premium of $54. For women, it has a MoneyGeek score of 92 and an average monthly premium of $34. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding on life insurance. Your unique needs may lead to a different recommendation.
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 College Station, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceCollege StationBest Life Insurance Companies in College Station
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.
In College Station, Protective offers the best life insurance, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premiums are $54 and $34, respectively.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek scores and competitive premiums, making it an excellent choice for anyone looking to purchase life insurance in College Station.
Protective is the premier life insurance provider in College Station, with a MoneyGeek score of 91 for men and 92 for women. Women enjoy an average monthly premium of $34, while men pay around $54.
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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.
Mutual of Omaha is the top pick for men seeking the best term life insurance in College Station, with a MoneyGeek score of 91 and an average monthly premium of $26. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $18. These companies provide reliable term life insurance options that balance cost with customer satisfaction and financial stability.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that provides coverage for a specific term, typically ranging from 10 to 30 years. It's a practical choice for those seeking coverage during their most financially vulnerable years, such as while raising a family or paying off a mortgage.
Mutual of Omaha is the premier choice for term life insurance for men in College Station. With a MoneyGeek score of 91 and an average monthly premium of $26, the company presents a balanced offering that combines affordability with high customer satisfaction.
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With a MoneyGeek score of 92, Protective is the premier choice for term life insurance for women in College Station. The company offers excellent coverage at an average monthly premium of $18, ensuring financial security without breaking the bank.
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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 those in College Station, Protective provides the best whole life insurance, with a MoneyGeek score of 91 for men and women. This top rating indicates that Protective offers competitive pricing, customer satisfaction and financial stability, making it a solid choice for the average individual seeking life insurance coverage that provides lifelong protection and financial security.
Top whole life companies for men in College Station:
Top whole life companies for women in College Station:
Whole life insurance is a type of permanent life insurance that includes an investment component, known as cash value, that grows over time. It can be appealing for someone who wants a guaranteed death benefit, fixed premiums and the potential to accumulate cash value they can borrow against, making it a more predictable option than other forms of life insurance.
Protective is the top choice for the best whole life insurance for men and women in College Station. With a MoneyGeek score of 92 for both genders, the company has exceptional customer satisfaction and affordability.
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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 is the top provider of the best universal life insurance in College Station, with a MoneyGeek score of 91 for men and women. This score indicates a strong combination of affordability, customer satisfaction and financial stability.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers flexibility in premiums and death benefits, making it a versatile choice for long-term financial planning. For example, someone who wants the ability to adjust their coverage as their life circumstances change might opt for universal life insurance over term life insurance.
Protective is the best universal life insurance provider in College Station, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability, ensuring that policyholders receive quality service and reliable coverage.
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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 is the premier provider of the best no-medical-exam life insurance in College Station, with a MoneyGeek score of 91 for men and women. Its high score reflects a strong balance of affordability, customer satisfaction and financial stability, making it a top choice for consumers prioritizing ease and reliability in their insurance selection process.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without a required medical exam allows individuals to obtain coverage without needing a physical checkup. It can be especially beneficial for individuals with health issues or those in need of immediate coverage. For example, someone with a chronic condition might choose this insurance to avoid potential denial of coverage or higher premiums.
In College Station, Protective is the top provider of life insurance without a mandatory medical exam, with a MoneyGeek score of 91 for men and women. The company's strong performance across key metrics makes it a reliable choice for life insurance seekers who prioritize 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 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 in College Station, Mutual of Omaha offers the best term life insurance for seniors, with a MoneyGeek score of 91 and an average monthly premium of $107. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $79.
Age significantly influences life insurance premiums; the risk to insurers increases as people age, often resulting in higher costs for older individuals. Mutual of Omaha's and Protective's high MoneyGeek scores are due to their excellent balance of affordability, customer satisfaction, financial stability and product diversity. These factors are pivotal for seniors in College Station seeking the best term life insurance for seniors.
| 1 | Mutual of Omaha | $107 | 91 |
| 2 | Nationwide | $89 | 91 |
| 3 | Protective | $115 | 90 |
| 4 | Prudential | $107 | 86 |
| 5 | Transamerica | $122 | 86 |
| 6 | Allstate | $144 | 86 |
| 7 | AAA | $169 | 85 |
| 8 | State Farm | $160 | 85 |
| 9 | Haven | $196 | 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 College Station, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $59. Women find Allstate at the top, with a MoneyGeek score of 89 and an average monthly premium of $35.
Smoking is a key factor in determining life insurance premiums due to the increased health risks it poses. Insurers consider smokers higher risk, which typically results in higher premiums. The leading companies, Mutual of Omaha for men and Allstate for women, offer a balance of affordability, customer satisfaction and financial stability, contributing to their high MoneyGeek scores. These aspects are vital for smokers in College Station who are looking for reliable coverage without compromising on quality or cost.
| 1 | Mutual of Omaha | $59 | 91 |
| 2 | Nationwide | $55 | 90 |
| 3 | Allstate | $53 | 88 |
| 4 | Transamerica | $53 | 88 |
| 5 | Protective | $83 | 88 |
| 6 | Prudential | $50 | 88 |
| 7 | State Farm | $78 | 85 |
| 8 | AAA | $96 | 85 |
| 9 | Haven | $95 | 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.
In College Station, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for men and women. The average monthly premium is $17 for men and $11 for women. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
Age significantly impacts life insurance premiums, with younger individuals generally paying less. For young adults in College Station, choosing the best term life insurance for young adults is crucial for financial planning.
| 1 | Protective | $17 | 92 |
| 2 | Mutual of Omaha | $16 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Transamerica | $18 | 87 |
| 5 | AAA | $26 | 85 |
| 6 | Prudential | $21 | 85 |
| 7 | State Farm | $27 | 85 |
| 8 | Allstate | $27 | 85 |
| 9 | Haven | $21 | 84 |
| 10 | Bestow | $29 | 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 the best cheap term life insurance in College Station, Nationwide stands out for men, with a MoneyGeek score of 93 and an average monthly premium of $24. Its high scores reflect its affordability, smooth buying process and financial stability. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $18. Its top rank is due to its high scores in affordability, customer satisfaction and financial stability.
Factors affecting life insurance premiums include age, health and the amount of coverage. To get the lowest premiums, maintain a healthy lifestyle, choose a suitable coverage amount and compare different providers.
| 1 | Nationwide | $24 | 93 |
| 2 | Mutual of Omaha | $26 | 91 |
| 3 | Protective | $27 | 91 |
| 4 | Transamerica | $29 | 88 |
| 5 | Prudential | $32 | 86 |
| 6 | AAA | $41 | 84 |
| 7 | Allstate | $41 | 84 |
| 8 | State Farm | $42 | 82 |
| 9 | Haven | $37 | 82 |
The average monthly premium for term life insurance in College Station is $35 for women and $49 for men. Several factors influence the cost of life insurance premiums, including age, health, lifestyle, the amount of coverage and the type of policy chosen.
The cost of life insurance in College Station may differ from the rest of Texas due to various regional factors. Local health statistics, the cost of living and regional risk factors can all contribute to these differences. For example, if College Station has higher health care costs or a higher prevalence of certain health conditions, premiums might be higher to account for these risks. Understanding these elements can help you make more informed decisions when purchasing life insurance.
Protective has the best life insurance for men in College Station, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in College Station is $54. This cost is associated with Protective, the top-rated company for male policyholders.
Protective has the best life insurance for women in College Station, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in College Station is $34. This cost is linked to Protective, the top-rated company for female policyholders.
Life insurance in College Station may have premium rates and company rankings that differ from those in the rest of Texas. For example, Protective ranks highest in College Station, with varying scores for men and women. Residents should compare local rates and options to find the best fit for their needs.
If a life insurance company goes bankrupt in College Station, state guaranty associations typically step in to protect policyholders. These associations provide coverage up to certain limits, ensuring that policyholders do not lose their benefits entirely.
College Station residents might need life insurance to provide financial security for their families. Life insurance can cover mortgage payments, education costs and other expenses in the event of the policyholder's death.
To find a lost life insurance policy in College Station, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the Texas Department of Insurance for assistance in locating the policy.
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.
