Updated: November 27, 2024
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Protective is the best life insurance company in Denton, Texas, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $44 and $31, respectively. These figures are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider your age, health and financial goals. 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 Denton, Texas' best life insurance companies.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceDenton, TXBest Life Insurance Companies in Denton
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 Denton, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $44 for males and $31 for females.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and affordable premiums, making it a strong choice for reliable and cost-effective life insurance.
Protective is Denton's top life insurance provider, with MoneyGeek scores of 91 for men and 92 for women and monthly premiums of $44 and $31, respectively.
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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 Denton, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $21. Women find their top choice with Protective, scoring 92 at $17 monthly. These companies offer strong financial stability, customer satisfaction and product diversity.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage for a set period. For example, a parent might purchase a 20-year term policy to ensure financial security for their children until they reach adulthood.
Mutual of Omaha is the top term life insurance provider for men in Denton, with a MoneyGeek score of 91. Offering a monthly premium of $21, it balances affordability with quality service.
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Protective is the top choice for women seeking term life insurance in Denton. With a MoneyGeek score of 92 and a monthly premium of $17, it offers a cost-effective solution for excellent coverage.
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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 Denton, with a MoneyGeek score of 92 for men and women. This score reflects excellence in affordability, customer satisfaction and financial stability.
Whole life insurance is a permanent policy that offers a death benefit and builds cash value over time. It's a good option for people who want lifelong coverage and may use it as part of a long-term financial plan. Unlike term life insurance, whole life can also allow you to borrow against its cash value when needed.
Protective is Denton's leading whole life insurance company, with a MoneyGeek score of 92 for men and women. This score reflects the company's strong performance across various metrics.
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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 Denton's best universal life insurance, with a MoneyGeek score of 91 for men and women. This score reflects a strong balance of affordability, customer satisfaction and financial stability.
Universal life insurance is a flexible policy that combines life coverage with an investment component. Some might choose it over term life insurance to build cash value, which can be used as a living benefit or to increase the death benefit.
Protective is the leading universal life insurance provider in Denton, with a MoneyGeek score of 91 for men and women. This score reflects excellence in 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.
In Denton, Protective offers the best life insurance without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects strong performance in affordability, customer satisfaction and financial stability.
Life insurance with no mandatory medical exam offers coverage without needing a health checkup. Someone with a busy schedule or a fear of medical procedures might opt for this type of insurance for its convenience and simplicity.
Protective is the top choice for life insurance without the hassle of a medical examination in Denton. Its MoneyGeek score of 91 for men and women demonstrates a strong balance of customer satisfaction, affordability 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 older men seeking the best term life insurance for seniors in Denton, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $87. Protective is the top choice for women, scoring 92 and charging $71 monthly.
Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha and Protective rank highest for men and women, respectively, excelling in customer service, offering competitive pricing and maintaining financial stability — key factors for seniors seeking reliable coverage.
| 1 | Mutual of Omaha | $87 | 91 |
| 2 | Nationwide | $71 | 91 |
| 3 | Protective | $93 | 90 |
| 4 | Prudential | $86 | 86 |
| 5 | Transamerica | $98 | 86 |
| 6 | Allstate | $116 | 86 |
| 7 | AAA | $136 | 85 |
| 8 | State Farm | $129 | 85 |
| 9 | Haven | $158 | 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 Denton, with MoneyGeek scores of 91 for men and 89 for women. The average monthly premiums are $48 for males and $31 for females.
Smoking increases premiums due to its health risks. Insurers charge smokers more to offset these risks. Mutual of Omaha's high MoneyGeek score reflects its strong performance in customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $48 | 91 |
| 2 | Nationwide | $44 | 90 |
| 3 | Allstate | $43 | 88 |
| 4 | Transamerica | $43 | 88 |
| 5 | Protective | $67 | 88 |
| 6 | Prudential | $40 | 88 |
| 7 | State Farm | $63 | 85 |
| 8 | AAA | $77 | 85 |
| 9 | Haven | $77 | 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 Denton, with a MoneyGeek score of 92 and average monthly premiums of $13 for men and $10 for women.
Age significantly influences life insurance premiums, with younger adults typically benefiting from lower costs. Protective's high MoneyGeek score reflects its strong customer satisfaction and financial stability.
| 1 | Protective | $13 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $13 | 91 |
| 4 | Transamerica | $15 | 87 |
| 5 | AAA | $21 | 85 |
| 6 | Prudential | $17 | 85 |
| 7 | State Farm | $22 | 85 |
| 8 | Allstate | $22 | 85 |
| 9 | Haven | $17 | 84 |
| 10 | Bestow | $23 | 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 Denton, Nationwide leads for men with a MoneyGeek score of 93 and an average monthly premium of $20. Protective is the top option for women, with a MoneyGeek score of 92 at $17 monthly.
Factors such as age, health and coverage amount influence premiums. Younger, healthier policyholders typically pay lower premiums. To get the lowest rates, maintain a healthy lifestyle and compare quotes from multiple providers.
| 1 | Nationwide | $20 | 93 |
| 2 | Mutual of Omaha | $21 | 91 |
| 3 | Protective | $22 | 91 |
| 4 | Transamerica | $24 | 88 |
| 5 | Prudential | $26 | 86 |
| 6 | AAA | $33 | 84 |
| 7 | Allstate | $33 | 84 |
| 8 | State Farm | $34 | 82 |
| 9 | Haven | $30 | 82 |
The average monthly costs of term life insurance in Denton are $29 for men and $24 for women.
Many factors influence premiums, including age, health, lifestyle, occupation, coverage amount and term length. Insurers assess them to determine the risk of providing coverage.
Life insurance costs in Denton may vary from those in the rest of Texas due to local factors like health trends, economic conditions and city-specific risks. Competition among insurers can also impact prices, causing differences from other areas in the state.
Protective has the best life insurance in Denton for men, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Denton is $44.
Protective has the best life insurance in Denton for women, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Denton is $31.
Life insurance in Denton doesn't differ much from the rest of Texas. The rates and offerings are comparable to other cities in the state. For instance, Protective offers competitive rates and high MoneyGeek scores for men and women in Denton, similar to other Texas cities.
If a life insurance company in Denton goes bankrupt, state guaranty associations typically step in to protect policyholders, ensuring they still receive their benefits.
Denton residents may need life insurance to provide financial security for their families, cover debts and have peace of mind. It can help pay final expenses and give loved ones a financial cushion after the policyholder's death.
To find a lost life insurance policy in Denton, check personal records and contact the insurance company directly. If these steps don't work, residents can use state resources or databases to locate 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.
