Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Hartford, Connecticut, for men and women. The MoneyGeek score for Protective is 92. The monthly premium cost is $13 for women and $16 for men.
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 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 Hartford, Connecticut.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceHartford, CTBest Life Insurance Companies in Hartford
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 Hartford for both men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $29 for women.
The top providers for men are:
The top providers for women are:
Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Hartford.
When it comes to securing the best life insurance in Hartford, Protective stands out for men and women. With an impressive MoneyGeek score of 92, Protective offers monthly premiums of $13 for women and $16 for men. This company delivers on customer expectations and financial stability, making it a top choice in the market. Here are the pros and cons of Protective based on various performance indicators:
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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 stands out as the provider of the best term life insurance in Hartford for both men and women, with a MoneyGeek score of 92 and monthly premiums of $8 for men and $7 for women. Protective's high score indicates a strong balance of affordability, customer satisfaction and financial stability, making it a compelling choice for term life insurance shoppers.
The top providers for men are:
The top providers for women are:
Term life insurance provides coverage for a specified period, offering peace of mind without long-term commitment. For instance, a parent might choose term life insurance to ensure their child's education is funded should anything happen to them during their school years.
Protective stands out as the top choice for term life insurance in Hartford for women and men, with a MoneyGeek score of 92 for both. With a monthly premium cost of $7 for women and $8 for men, it offers an affordable option 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 stands out as the premier provider of the best whole life insurance in Hartford, with a MoneyGeek score of 92 for men and women. This score reflects a balance of affordability, customer satisfaction and financial stability:.
The top providers for men are:
The top providers for women are:
Whole life insurance offers a guaranteed death benefit, fixed premiums and a cash value component that grows over time. For instance, someone interested in securing a financial legacy for their heirs or accumulating cash value as a tax-deferred investment might choose whole life insurance over term policies for its permanent coverage and potential for cash accumulation.
Protective emerges as the premier choice for the best whole life insurance in Hartford, catering to men and women. With MoneyGeek scores of 92 for each, the company stands out for its excellence in customer satisfaction and affordability.
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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.
The best universal life insurance provider in Hartford for men and women is Protective, with a MoneyGeek score of 91. Protective offers competitive affordability and high customer satisfaction, making it an attractive option for the average individual in Hartford considering life insurance that offers both a death benefit and a savings component.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexibility in premiums and death benefits, which can be appealing for those who want the ability to adjust their policy as their financial situation changes. For example, someone might choose universal life insurance over term life insurance if they desire the potential to accumulate cash value that can be borrowed against in the future.
Protective stands out as the premier choice for the best universal life insurance in Hartford, catering to men and women. With a MoneyGeek score of 91 for both, Protective's universal life insurance offerings are unmatched in the region. Customers appreciate the company's commitment to excellence, as reflected in their scores.
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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.
Protective stands out with the best life insurance with no mandatory medical exam in Hartford for men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical check-up. For example, someone with a busy lifestyle or a fear of medical procedures might choose it for its convenience and simplicity.
For those seeking life insurance without a required medical examin Hartford, Protective emerges as the superior choice for both men and women, boasting a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction, and financial stability, making Protective a reliable option for life insurance coverage.
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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 men seeking the best term life insurance for seniors in Hartford, Mutual of Omaha leads with a MoneyGeek score of 92 and a monthly premium of $37. For women, Protective stands out with a score of 91 and a premium of $34.
Age is a determining factor in life insurance costs, with premiums generally increasing as individuals age. Mutual of Omaha and Protective have earned the highest MoneyGeek scores, indicating they offer a balance of affordability, customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $37 | 91 |
| 2 | Protective | $39 | 91 |
| 3 | Nationwide | $41 | 90 |
| 4 | Allstate | $35 | 89 |
| 5 | AAA | $45 | 88 |
| 6 | Transamerica | $41 | 87 |
| 7 | Prudential | $40 | 87 |
| 8 | State Farm | $75 | 84 |
| 9 | Haven | $66 | 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 and women in Hartford, Mutual of Omaha stands out with the best term life insurance for smokers. The company boasts a MoneyGeek score of 67 for men with a monthly premium of $36, and a score of 62 for women with a monthly premium of $33.
Smoking significantly influences life insurance premiums due to the health risks it poses, often leading to higher costs for smokers compared to non-smokers. Mutual of Omaha's high MoneyGeek scores reflect its competitive premiums, strong customer satisfaction and financial reliability.
| 1 | Mutual of Omaha | $36 | 92 |
| 2 | AAA | $42 | 89 |
| 3 | Protective | $60 | 88 |
| 4 | Transamerica | $38 | 88 |
| 5 | Nationwide | $50 | 88 |
| 6 | Prudential | $37 | 87 |
| 7 | State Farm | $55 | 85 |
| 8 | Allstate | $59 | 84 |
| 9 | Haven | $65 | 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.
For the best term life insurance for young adults in Hartford, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $68.
Age plays a significant role in determining life insurance premiums, with younger adults typically paying lower rates. Protective's high score reflects its affordability, customer satisfaction, and financial stability, making it a top choice for young adults seeking life insurance in Hartford.
| 1 | Protective | $5 | 92 |
| 2 | Mutual of Omaha | $5 | 92 |
| 3 | Nationwide | $6 | 90 |
| 4 | AAA | $6 | 90 |
| 5 | Allstate | $5 | 89 |
| 6 | Transamerica | $6 | 88 |
| 7 | State Farm | $11 | 87 |
| 8 | Prudential | $8 | 87 |
| 9 | Haven | $7 | 87 |
| 10 | Bestow | $30 | 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 Hartford, 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.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $8 | 92 |
| 3 | Allstate | $8 | 91 |
| 4 | Nationwide | $10 | 91 |
| 5 | AAA | $10 | 89 |
| 6 | Transamerica | $9 | 89 |
| 7 | Prudential | $12 | 86 |
| 8 | Haven | $12 | 86 |
| 9 | State Farm | $18 | 82 |
The average monthly premium for term life insurance in Hartford is $14 for women and $16 for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation and the type of policy. Younger individuals and those in good health typically pay lower premiums. Certain occupations and risky hobbies may lead to higher premiums.
Life insurance costs in Hartford might be higher or lower compared to the rest of Connecticut due to several reasons. Local health statistics, crime rates and economic conditions can all impact insurance rates. Additionally, the level of competition among insurance providers in Hartford can affect premium costs.
Protective has the best life insurance for men in Hartford, based on the highest MoneyGeek score of 67. This score reflects affordability, customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Hartford is $16. This cost is based on a policy from Protective, which offers excellent coverage and customer satisfaction.
Protective has the best life insurance for women in Hartford, with a MoneyGeek score of 67. This score indicates strong performance in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for women in Hartford is $13. This cost is for a policy from Protective, which excels in coverage and customer satisfaction.
Life insurance in Hartford may differ from the rest of Connecticut in terms of premium costs and available providers. For example, Protective offers competitive rates and high customer satisfaction in Hartford. Consumers should compare options to find the best coverage for their needs.
If a life insurance company goes bankrupt in Hartford, policies are usually protected by state guaranty associations. These associations cover claims up to certain limits, ensuring policyholders are not left without coverage.
Hartford residents might need life insurance to provide financial security for their families, cover debts, or ensure funds for future expenses. Life insurance can help maintain their family's standard of living in the event of an unexpected death.
To find a lost life insurance policy in Hartford, contact the insurance company directly or use state resources like the Connecticut Insurance Department. They can help locate policies and provide necessary information.
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.
