Best Life Insurance in Fort Collins, CO (November 2024)

In Fort Collins, Colorado, Protective stands out as the best life insurance provider for both men and women. With a MoneyGeek score of 92, it offers a strong balance of affordability and customer satisfaction. For women, the monthly premium is $25, while for men, it is $30.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. It's important to consider different factors when deciding on life insurance, as your unique needs may mean a different company is best for you.

If you're looking for the best life insurance in Fort Collins, Protective is the top choice for men and women. With a MoneyGeek score of 92 and a monthly premium of $30 for men and $25 for women, Protective offers the best value.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $30 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $34 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $25 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $28 per month for women

Protective stands out due to its high MoneyGeek score and competitive monthly premiums. This makes it an excellent choice for the average individual looking to purchase life insurance in Fort Collins.

For those seeking the best term life insurance in Fort Collins, Protectivestands out for men and women with a MoneyGeek score of 92 and a monthly premium of $14 for men and $13 for women. Protective offers a blend of affordability, customer satisfaction, and financial stability, making it a top choice for term life insurance shoppers.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $14 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $17 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for women

Term life insurance is a policy where coverage is provided for a certain period, offering a death benefit if the insured passes away during that term. For example, a parent might choose term life insurance to ensure their child's education is funded in case of their untimely death. This type of insurance is often preferred for its simplicity and lower premiums compared to whole life insurance.

Protective provides the best whole life insurance in Fort Collins for men and women, with a MoneyGeek score of 92. This score suggests that Protective offers a balance of affordability, customer satisfaction, financial stability and product diversity, making it an excellent choice for individuals seeking reliable long-term financial protection and investment growth.

The top providers for men are:

• Protective: MoneyGeek score of 92 for men
• Mutual of Omaha: MoneyGeek score of 91 for men

The top providers for women are:

• Protective: MoneyGeek score of 92 for women
• Mutual of Omaha: MoneyGeek score of 91 for women

Whole life insurance is a permanent policy, providing coverage for the insured's entire life. Unlike term life insurance, which covers a specific period, whole life insurance includes an investment component, building cash value that can be borrowed against. This makes it an attractive option for individuals looking for both insurance and an investment vehicle, such as parents wanting to ensure their child's future financial stability.

For individuals in Fort Collins looking for the best universal life insurance, Protective stands out with a rounded MoneyGeek score of 91 for men and women. This score signifies a strong balance of affordability, customer satisfaction and financial stability, making Protective a top choice for those seeking reliable life insurance coverage.

The top providers for men are:

• Protective: MoneyGeek score of 91 for men
• Mutual of Omaha: MoneyGeek score of 90 for men

The top providers for women are:

• Protective: MoneyGeek score of 91 for women
• Mutual of Omaha: MoneyGeek score of 90 for women

Universal life insurance offers flexibility in premiums and death benefits, making it a suitable option for those who want a permanent life insurance solution with the potential for cash value growth. For example, a young professional might choose universal life insurance to lock in lower premiums while also investing in their policy's cash value for future financial needs.

For those in Fort Collins seeking the best life insurance with no mandatory medical exam, Protective stands out with a MoneyGeek score of 63 for both men and women. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability, and product diversity.

The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek sczre of 88 out of 100 for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 88 out of 100 for women

No-medical-exam life insurance allows individuals to obtain coverage more quickly and without the need for a physical examination. For instance, someone with a busy schedule or a dislike of medical tests may prefer this option.

In Fort Collins, Protective stands out as the provider with the best term life insurance for seniors, with a MoneyGeek score of 92 for men and 91 for women, and monthly premiums of $65 and $58, respectively.

Age is a determining factor in life insurance premiums; as individuals age, the likelihood of health issues increases, leading to higher costs for insurers and subsequently higher premiums for policyholders. Protective's top scores reflect its commitment to customer satisfaction and financial stability.

Mutual of Omaha offers the best term life insurance for smokers in Fort Collins, scoring 90 for men and 88 for women, with monthly premiums of $72 and $69, respectively. Smoking significantly influences life insurance costs due to the health risks it poses. Insurers often charge higher premiums to smokers to offset these risks.

Mutual of Omaha's high MoneyGeek score reflects its ability to provide competitive rates and a strong product offering, making it a compelling choice for smokers seeking term life insurance. The company's balance of affordability, customer satisfaction, financial stability, and product diversity underscores its top ranking, guiding smokers towards a reliable insurance option.

For the best term life insurance for young adults in Fort Collins, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $8 for women and $9 for men.

Age significantly impacts life insurance premiums, with younger adults generally enjoying lower costs due to their lower risk profiles. Protective’s high MoneyGeek Score reflects its affordability, customer satisfaction, and financial stability, making it an excellent choice for young adults seeking reliable term life insurance.

For the best cheap term life insurance in Fort Collins, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $17. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $16. Nationwide scores high due to its easy buying process and affordability, while Protective excels in customer satisfaction and financial stability.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

The average monthly premium for term life insurance in Fort Collins is $23 for women and $29 for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, and location. For example, younger individuals and those in good health typically pay lower premiums. Similarly, non-smokers and those with no risky hobbies or occupations often benefit from lower rates.

The cost of life insurance in Fort Collins might be different from other parts of Colorado due to various regional factors. These can include local health statistics, lifestyle differences and economic conditions. For instance, areas with higher rates of chronic illnesses or hazardous occupations might see higher premiums. Conversely, regions with a healthier population and lower risk factors might enjoy lower insurance costs.