Updated: November 21, 2024
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Protective is the best life insurance company in Garland, Texas, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $39 and $29, 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 the best life insurance companies in Garland, Texas.
We updated life insurance providers' coverage costs and company information in October 2024.
BestLife InsuranceGarland, TXBest Life Insurance Companies in Garland
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 Garland, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $39 for males and $29 for females.
Top providers for men:
Top providers for women:
Protective's high scores and competitive premiums make it an excellent choice for life insurance.
Protective is Garland's top life insurance provider, with MoneyGeek scores of 91 for men and 92 for women and monthly premiums of $39 and $29, 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 Garland, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $19. Women find their top choice with Protective, scoring 92 at $16 monthly. These companies offer a balance of affordability, customer satisfaction and financial stability.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage for a specific term, such as 10, 20 or 30 years. It's an affordable way to ensure financial security for loved ones during untimely death. For example, a parent might purchase term life insurance to cover the years until their children are financially independent.
Mutual of Omaha is the top term life insurance provider for men in Garland, with a MoneyGeek score of 91. Offering a monthly premium of $19, it offers a balance of cost and quality service.
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Protective is the top choice for women seeking term life insurance in Garland. With a MoneyGeek score of 92 and a monthly premium of $16, it balances cost effectiveness with quality 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 Garland, with a MoneyGeek score of 92 for men and women. This score reflects a strong balance of affordability, customer satisfaction and financial stability.
Whole life insurance provides lifelong coverage and an investment component that builds cash value. People who want a policy that serves as a financial safety net and a savings option may choose whole life insurance over term policies, which provide coverage only for a set time.
Protective is Garland's leading whole life insurance company, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.
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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 Garland's best universal life insurance, with a MoneyGeek score of 91 for men and women. This score reflects a strong balance of customer satisfaction and financial stability.
Universal life insurance is a flexible permanent policy that provides a death benefit and a savings component that grows tax-deferred. People may choose it over term life insurance because they can adjust premiums and coverage as their needs change.
Protective is the leading universal life insurance provider in Garland, with a MoneyGeek score of 91 for men and women. This score reflects a strong balance of 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 Garland, 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 a health checkup. This can benefit those who need quick coverage or have health issues that might disqualify them from traditional policies. Someone with a chronic illness might opt for it to ensure they get covered quickly without the risk of being denied due to their health condition.
Protective is the top choice for life insurance without the hassle of a medical examination in Garland. Its MoneyGeek score of 91 for men and women demonstrates a strong balance of customer satisfaction 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 seeking the best term life insurance for seniors in Garland, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $77. Protective is the top choice for women, scoring 92 and charging $67 monthly.
Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha and Protective have competitive rates and high MoneyGeek scores, indicating a solid balance of affordability, customer satisfaction and financial stability — critical factors for seniors seeking reliable coverage.
| 1 | Mutual of Omaha | $77 | 91 |
| 2 | Nationwide | $64 | 91 |
| 3 | Protective | $83 | 90 |
| 4 | Prudential | $77 | 86 |
| 5 | Transamerica | $88 | 86 |
| 6 | Allstate | $104 | 86 |
| 7 | AAA | $122 | 85 |
| 8 | State Farm | $115 | 85 |
| 9 | Haven | $141 | 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 Garland, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $42. Women will find Allstate as the top option, scoring 89 with a monthly premium of $30.
Smoking raises life insurance costs due to added health risks, which insurers factor into premiums. Mutual of Omaha's high score for men highlights its strong customer satisfaction and financial stability. Allstate offers women a balance of affordability and product options.
| 1 | Mutual of Omaha | $42 | 91 |
| 2 | Nationwide | $39 | 90 |
| 3 | Allstate | $38 | 88 |
| 4 | Transamerica | $38 | 88 |
| 5 | Protective | $60 | 88 |
| 6 | Prudential | $36 | 88 |
| 7 | State Farm | $56 | 85 |
| 8 | AAA | $69 | 85 |
| 9 | Haven | $69 | 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 Garland, with a MoneyGeek score of 92 and average monthly premiums of $12 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 performance in key areas such as affordability, customer satisfaction and financial stability.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $11 | 91 |
| 4 | Transamerica | $13 | 87 |
| 5 | AAA | $18 | 85 |
| 6 | Prudential | $15 | 85 |
| 7 | State Farm | $19 | 85 |
| 8 | Allstate | $19 | 85 |
| 9 | Haven | $15 | 84 |
| 10 | Bestow | $21 | 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 Garland, Nationwide leads for men with a MoneyGeek score of 93 and an average monthly premium of $17. Protective is the top option for women, with a MoneyGeek score of 92 at $16 monthly.
Factors affecting premiums include age, health and coverage amount. To get the lowest rates, maintain a healthy lifestyle, choose a suitable coverage amount and compare different providers.
| 1 | Nationwide | $17 | 93 |
| 2 | Mutual of Omaha | $19 | 91 |
| 3 | Protective | $19 | 91 |
| 4 | Transamerica | $21 | 88 |
| 5 | Prudential | $23 | 86 |
| 6 | AAA | $30 | 84 |
| 7 | Allstate | $29 | 84 |
| 8 | State Farm | $30 | 82 |
| 9 | Haven | $27 | 82 |
The average monthly costs of term life insurance in Garland are $35 for men and $29 for women. Several factors influence premiums, including age, health, lifestyle, occupation, coverage amount and term length.
Life insurance costs in Garland might be higher or lower than in the rest of Texas for various reasons, such as local health statistics, economic conditions and city-specific risk factors.
Understanding these factors can help you make more informed decisions when purchasing life insurance.
Protective has the best life insurance for men in Garland, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Garland, offered by Protective, is $39. This cost is based on a policy with a 20-year term and coverage between $250,000 and $500,000.
Protective offers the best life insurance for women in Garland, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Garland, provided by Protective, is $29. This premium is for a policy with a 20-year term and coverage between $250,000 and $500,000.
Life insurance in Garland is similar to the rest of Texas, with companies like Protective offering comparable policies. However, rates and coverage options can vary based on personal factors like age and health.
If a life insurance company in Garland goes bankrupt, state guaranty associations typically step in to protect policyholders and ensure that claims are paid and policies remain in force.
Garland residents need life insurance to provide financial security for their families in case of unexpected events. It can cover funeral costs, pay off debts and replace lost income.
To find a lost life insurance policy in Garland, check personal records and contact the insurance company. You can also use online databases, such as the National Association of Insurance Commissioners' Life Insurance Policy Locator, to search for missing 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.
