Best Life Insurance in Hartford, CT (October 2024)

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.

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:

• Protective: MoneyGeek score of 91 out of 100 at $37 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $29 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month for women

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.

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:

• Protective: MoneyGeek score of 92 out of 100 at $8 per month for men
• Mutual of Omaha: MoneyGeek score of 92 out of 100 at $8 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $7 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $8 per month for women

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 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:

• Protective: MoneyGeek score of 92 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

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.

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:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 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 90 out of 100 for women

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 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:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 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 90 out of 100 for women

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 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.

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.

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.

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.

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.