Updated: November 22, 2024
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Protective is the best life insurance company in Eugene, Oregon for both men and women. The MoneyGeek score for men is 92 with a monthly premium of $13. For women, the MoneyGeek score is also 92 with a monthly premium of $12.
These scores and premium costs are based on a 20-year term policy and $500,000 coverage. Different factors, such as age, health and coverage needs, should be considered when deciding on life insurance. 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 Eugene, Oregon.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceEugene, ORBest Life Insurance Companies in Eugene
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 Eugene, Protective offers the best life insurance for both men and women with a MoneyGeek score of 92 out of 100 and an average monthly premium of $13 for men and $12 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high MoneyGeek score and affordability. This makes it a top choice for the average individual looking to purchase life insurance in Eugene.
In Eugene, Oregon, Protective stands out as the best life insurance provider for both men and women. With an impressive overall MoneyGeek score of 92 for women and 92 for men, Protective offers policies at an average monthly premium of $12 for women and $13 for men. These numbers reflect a blend of affordability and customer satisfaction that is unmatched in the local market.
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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 those seeking the best term life insurance in Eugene, Protective stands out for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $7 for men and $6 for women. This company offers a balance of affordability, 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 where coverage is provided for a certain period, appealing to those who may need financial protection during key years, such as while paying off a mortgage or raising children. It's a straightforward solution, often chosen for its simplicity and lower premiums compared to permanent life insurance options.
Protective stands out as the best term life insurance provider in Eugene for men and women, boasting a MoneyGeek score of 92. This company not only offers an affordable rate but also ensures a high level of customer satisfaction and financial stability. Here are some key points to consider when choosing Protective for term life insurance.
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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.
The Protective company stands out with the best whole life insurance in Eugene, scoring a MoneyGeek score of 92 for both men and women.
Top whole life companies for men in Eugene:
Top whole life companies for women in Eugene:
Whole life insurance provides a fixed premium and death benefit, along with a savings component that grows over time. For instance, someone might choose best whole life insurance for the peace of mind that comes with lifetime coverage and the potential to accumulate cash value that can be borrowed against if needed.
In Eugene, Protective stands out as the premier provider of whole life insurance for both men and women, with MoneyGeek scores of 92. This underscores Protective's commitment to delivering quality service and value to its clients.
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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.
MoneyGeek's analysis reveals that Protective is the best universal life insurance provider in Eugene for both men and women, with a MoneyGeek score of 91 out of 100. This high score indicates that Protective stands out for its customer satisfaction.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers a combination of life coverage with a cash value component, providing flexibility in premium payments and potential growth of cash value over time. For instance, someone might opt for the best universal life insurance over term life insurance to benefit from the policy's potential cash value accumulation, which can be used to supplement retirement income.
Protective leads as the premier choice for universal life insurance in Eugene, offering robust financial solutions for both men and women. With a MoneyGeek score of 91 for men and women, Protective stands out for its exceptional customer satisfaction and affordability.
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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 Eugene, Protective stands out as the top provider of the best no-medical-exam life insurance for both men and women, boasting a MoneyGeek score of 91. This score reflects Protective's commitment to affordability, customer satisfaction, and financial stability.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance that doesn't require a medical exam allows individuals to obtain coverage quickly and without the need for a medical check-up. This can be particularly beneficial for those with health concerns or who require immediate coverage.
Protective stands out as the top choice for no-medical-exam life insurance in Eugene, catering to both men and women with an impressive MoneyGeek score of 91. This score reflects the company's commitment to meeting customer needs with a balance of service and value.
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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 and women in Eugene looking for the best term life insurance for seniors, Protective is at the top and has a MoneyGeek score of 91. Men can expect an average monthly premium of about $29, while women are quoted around $28.
Age is a determinant in life insurance premiums; as one ages, the likelihood of health issues increases, which is reflected in higher costs. Protective's high MoneyGeek score, indicating strong customer satisfaction and financial stability, assures seniors of a reliable choice for their insurance needs.
| 1 | Protective | $29 | 91 |
| 2 | Mutual of Omaha | $28 | 91 |
| 3 | Nationwide | $34 | 89 |
| 4 | Allstate | $26 | 89 |
| 5 | AAA | $38 | 87 |
| 6 | Prudential | $33 | 86 |
| 7 | State Farm | $52 | 84 |
| 8 | Haven | $54 | 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 Eugene, Mutual of Omaha stands out as the provider of the best term life insurance for smokers, scoring the highest MoneyGeek score of 92 for men at a monthly premium of $29 and 91 for women at $28.
Smoking significantly influences life insurance premiums due to the associated health risks, often leading to higher costs for smokers compared to non-smokers. Mutual of Omaha's top scores reflect their commitment to customer satisfaction, diverse product offerings and financial stability.
| 1 | Mutual of Omaha | $29 | 92 |
| 2 | Nationwide | $39 | 88 |
| 3 | Protective | $46 | 88 |
| 4 | Prudential | $29 | 87 |
| 5 | State Farm | $44 | 85 |
| 6 | Allstate | $43 | 85 |
| 7 | AAA | $55 | 85 |
| 8 | Haven | $51 | 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.
The best term life insurance for young adults in Eugene is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $4. Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs.
Protective stands out due to its high affordability, customer satisfaction and financial stability scores. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $4 | 92 |
| 2 | Mutual of Omaha | $4 | 92 |
| 3 | Nationwide | $6 | 90 |
| 4 | AAA | $5 | 89 |
| 5 | Allstate | $4 | 89 |
| 6 | State Farm | $9 | 87 |
| 7 | Prudential | $7 | 87 |
| 8 | Haven | $6 | 86 |
| 9 | Bestow | $20 | 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 Eugene, Protective stands out for both men and women with a MoneyGeek score of 92 and monthly premiums of $7 and $6 respectively. 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. Protective's high MoneyGeek score is due to its affordability and excellent customer satisfaction. This makes it an ideal choice for those seeking the best cheap term life insurance in Eugene.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $7 | 92 |
| 3 | Allstate | $7 | 91 |
| 4 | Nationwide | $9 | 89 |
| 5 | AAA | $9 | 88 |
| 6 | Prudential | $10 | 85 |
| 7 | Haven | $10 | 84 |
| 8 | State Farm | $14 | 82 |
In Eugene, the average monthly premium for term life insurance is $13 for women and $14 for men. These costs are rounded to the nearest whole number for clarity.
Many factors affect the cost of life insurance premiums. Age, health, lifestyle, policy type and coverage amount all play a role in determining the price. For instance, a younger, healthier person with a non-smoking lifestyle might pay less than an older individual with health issues.
The cost of life insurance in Eugene might differ from the rest of Oregon due to several reasons. Local health statistics can impact premiums, as regions with higher life expectancy might see lower costs. The cost of living in Eugene also influences insurance prices, as higher living costs can lead to higher premiums.
Protective offers the best life insurance for men in Eugene. The company has the highest MoneyGeek score.
The monthly premium cost for the best life insurance for men in Eugene is $13. Protective provides this premium, reflecting a balance between cost and comprehensive coverage.
Protective is the top choice for life insurance for women in Eugene. It holds the highest MoneyGeek score, ensuring excellent affordability, customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Eugene is $12. Protective offers this competitive rate, balancing affordability with robust coverage.
Life insurance in Eugene is consistent with the rest of Oregon. Protective leads in both regions, offering similar premium costs and coverage options. Eugene does not show unique trends or deviations from state-wide practices.
If a life insurance company goes bankrupt in Eugene, state guaranty associations typically protect policyholders. These associations cover claims up to certain limits, ensuring continuity and financial protection for policyholders.
Eugene residents may need life insurance for family protection, covering debts, or ensuring financial security. Life insurance can help pay off mortgages, fund children's education, or replace lost income, providing peace of mind.
To find a lost life insurance policy in Eugene, check financial records, contact the insurance company, or reach out to the Oregon Insurance Division. These steps can help locate the policy and ensure it is claimed.
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.
