Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Everett, Washington, with a MoneyGeek score of 92 for men and women. The average monthly premium is $28 and $23, respectively. These scores and premium costs are based on a 20-year term policy and $500,000 coverage.
Different factors should be considered when deciding 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 Everett, Washington.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceEverett, WABest Life Insurance Companies in Everett
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 Everett, Protective offers the best life insurance, with a MoneyGeek score of 92 for men and women. The average monthly premium is $28 and $23, respectively.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek score and competitive premiums. These factors make it a reliable choice for individuals in Everett seeking quality life insurance. The company's high scores in customer satisfaction and affordability ensure that policyholders receive good value for their money.
Protective is the premier life insurance provider in Everett. With a MoneyGeek score of 92 for men and women, Protective ensures affordability with monthly premiums of $28 and $23, 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.
Protective provides the best term life insurance in Everett, with a MoneyGeek score of 92 for men and women. Men can secure a policy at an average rate of $14 per month, while women can do so for about $12. Protective's leading score suggests that the company offers a balance of affordability, customer satisfaction and financial stability, making it a solid choice for individuals needing reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy where the insurer pays a benefit if the insured person dies within a specified term. For example, a parent might choose term life insurance to ensure their child's education is funded in the event of their untimely death. It's a straightforward and often more affordable option than whole life insurance, catering to those with specific coverage needs over a particular period.
Protective is the premier choice for men and women seeking term life insurance in Everett, with a MoneyGeek score of 92 for both genders. For an average monthly premium of $14 for men and $12 for women, clients receive reliable coverage tailored to their needs.
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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 provides the best whole life insurance in Everett, with a MoneyGeek score of 92 for men and women. This top score reflects the company's commitment to customer satisfaction, financial stability and product diversity, making it a strong choice for individuals seeking reliable life insurance coverage.
Top whole life companies for men in Everett:
Top whole life companies for women in Everett:
Whole life insurance is a permanent policy that remains in effect for the insured's lifetime, provided premiums are paid. It can be an appealing option for those who want the certainty of lifelong coverage and a cash value component that grows over time. For example, someone may choose whole life insurance to provide for their family's future needs or as part of a strategic financial plan.
Protective is the premier choice for whole life insurance in Everett, with a MoneyGeek score of 92 for men and women. The company's exceptional performance across multiple categories positions it as a reliable insurer for those seeking financial security.
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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 offers the best universal life insurance in Everett, with a MoneyGeek score of 91 for men and women. This score indicates that Protective stands out in affordability, customer satisfaction and financial stability, making it an optimal choice for the average individual seeking a reliable insurance policy.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible policy that combines life insurance with an investment savings element. For example, someone might prefer universal life insurance over term life insurance for the potential to accumulate cash value that can be borrowed against in the future.
Protective is the leading provider of universal life insurance in Everett, offering top-tier services for both men and women. With a MoneyGeek score of 91 for both, Protective stands out for its 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.
In Everett, Protective provides the best no-medical-exam life insurance for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it an ideal choice for individuals seeking reliable coverage without the hassle of a medical exam.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without a mandatory medical exam allows individuals to obtain coverage quickly and with less scrutiny than traditional policies. For example, someone with a busy lifestyle or minor health issues might opt for this type of life insurance to secure necessary coverage without delays or the potential for denial based on medical history.
For those seeking life insurance in Everett that doesn't require a medical exam, Protective is the premier choice for men and women. Its MoneyGeek score of 91 for both genders reflects a blend of affordability, customer satisfaction and financial stability, making Protective a standout in the life insurance 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 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.
Protective provides the best term life insurance for seniors in Everett. Its MoneyGeek score is 92 for men and 91 for women. Its average monthly premiums are $62 and $56, respectively.
Age is a key determinant in life insurance premiums, with costs typically increasing as one grows older due to the higher risk associated with age. Protective's top MoneyGeek score reflects its excellence across various metrics, including affordability, customer satisfaction and financial stability. These factors contribute to its reputation as a reliable choice for seniors seeking life insurance coverage.
| 1 | Protective | $62 | 92 |
| 2 | Mutual of Omaha | $70 | 91 |
| 3 | Nationwide | $64 | 90 |
| 4 | AAA | $84 | 88 |
| 5 | Prudential | $61 | 88 |
| 6 | Allstate | $77 | 87 |
| 7 | Transamerica | $77 | 87 |
| 8 | State Farm | $110 | 84 |
| 9 | Haven | $123 | 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 Everett, Mutual of Omaha offers the best term life insurance for smokers. For men, it has a MoneyGeek score of 90 and an average monthly premium of $68. For women, it has a MoneyGeek score of 89 and a monthly cost of around $65.
Smoking influences life insurance premiums significantly due to the increased health risks associated with tobacco use. Mutual of Omaha's high MoneyGeek scores indicate a balance of affordability, customer satisfaction and financial stability, making it a top choice for smokers in Everett looking for reliable coverage.
| 1 | Mutual of Omaha | $68 | 90 |
| 2 | Nationwide | $72 | 89 |
| 3 | Protective | $94 | 88 |
| 4 | AAA | $75 | 88 |
| 5 | Allstate | $64 | 88 |
| 6 | Prudential | $54 | 88 |
| 7 | Transamerica | $67 | 87 |
| 8 | State Farm | $90 | 85 |
| 9 | Haven | $113 | 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 Everett, with a MoneyGeek score of 92 for men and women. Its average monthly premium is $8 and $7, respectively.
Age plays a significant role in determining life insurance premiums. Younger adults generally benefit from lower rates due to their lower risk of health issues. Protective's high MoneyGeek score reflects its strong affordability and customer satisfaction, making it an excellent choice for young adults seeking term life insurance in Everett.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 89 |
| 4 | AAA | $12 | 88 |
| 5 | Transamerica | $11 | 86 |
| 6 | Prudential | $12 | 85 |
| 7 | Allstate | $17 | 85 |
| 8 | State Farm | $17 | 84 |
| 9 | Haven | $13 | 84 |
| 10 | Bestow | $18 | 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 those seeking the best cheap term life insurance in Everett, Protective stands out with a MoneyGeek score of 92 for men and women and average monthly premiums of $14 and $12, respectively. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability. This makes it an excellent choice for those seeking the best cheap life insurance in Everett.
Factors affecting life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a shorter term length and opt for a lower coverage amount.
| 1 | Protective | $14 | 92 |
| 2 | Nationwide | $16 | 91 |
| 3 | Mutual of Omaha | $16 | 90 |
| 4 | AAA | $19 | 88 |
| 5 | Transamerica | $18 | 87 |
| 6 | Prudential | $18 | 87 |
| 7 | Allstate | $24 | 83 |
| 8 | Haven | $22 | 83 |
| 9 | State Farm | $28 | 82 |
The average monthly cost of term life insurance premiums in Everett is $23 for women and $28 for men. These figures highlight the importance of understanding how premiums vary based on gender and other factors.
Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount and policy term. Each of these elements can significantly impact the final premium, making it essential for consumers to consider their unique circumstances when shopping for life insurance.
The cost of life insurance in Everett might be different from the rest of Washington due to various local factors. These include local health statistics, average income levels, cost of living and specific risk factors prevalent in the area. Understanding these can help consumers make better decisions about their life insurance needs.
When considering life insurance, evaluating all these factors is crucial to finding a policy that best fits your needs and budget.
Protective has the best life insurance for men in Everett, with the highest MoneyGeek score of 92 out of 100. This score reflects the company's strong performance in affordability, customer satisfaction and financial stability.
The average monthly premium for the best life insurance for men in Everett, offered by Protective, is $28. This premium is based on a 20-year term for non-tobacco users in excellent health aged 31 to 40.
Protective has the best life insurance for women in Everett, with the highest MoneyGeek score of 92 out of 100. This score indicates the company's strong performance in affordability, customer satisfaction and financial stability.
The average monthly premium for the best life insurance for women in Everett, offered by Protective, is $23. This premium is based on a 20-year term for non-tobacco users in excellent health aged 31 to 40.
Life insurance in Everett is generally similar to that in the rest of Washington. Protective offers competitive rates and high MoneyGeek scores in both areas. However, specific premiums and coverage options may vary based on individual health, age and other factors.
If a life insurance company goes bankrupt in Everett, policyholders are typically protected by state guaranty associations. These associations ensure that claims are paid up to certain limits, providing a safety net for policyholders.
Everett residents might need life insurance to provide financial security for their families, cover outstanding debts and ensure their loved ones are taken care of in the event of their death. Life insurance can help with funeral costs, mortgage payments and ongoing living expenses.
To find a lost life insurance policy in Everett, residents can contact the insurance company directly or use state resources such as the National Association of Insurance Commissioners' Life Insurance Policy Locator. This service helps locate policies and annuities.
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.
