Updated: December 24, 2024
Advertising & Editorial Disclosure
Protective is the top choice of best life insurance for men and women in Henderson, Nevada. With a MoneyGeek score of 92 and average monthly premiums of $28 for women and $35 for men, it combines affordability and customer satisfaction.
Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Henderson, Nevada.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceHenderson, NVBest Life Insurance Companies in Henderson
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 Henderson for both men and women. It has a MoneyGeek score of 92 and average monthly premiums of $35 for men and $28 for women.
Top providers for men:
Top providers for women:
The company's strong performance in affordability, customer satisfaction and financial stability ensures a reliable and cost-effective option.
In Henderson, Protective is the premier life insurance provider for both men and women, with a MoneyGeek score of 92. Men can secure a policy at a monthly rate of about $35, while women are at a slightly lower rate of $28.
Pros:
Cons:
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.
Men and women seeking the best term life insurance in Henderson can rely on Protective, with a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women. This high score reflects Protective's dependable coverage at a reasonable cost.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that covers a specified term and offers a death benefit if the insured passes away during the term. It's often chosen for its simplicity and lower cost than permanent life insurance. For example, a parent might opt for term life insurance to fund their child's education should anything happen to them.
For men and women seeking dependable term life insurance in Henderson, Protective is the standout provider. With a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women, it offers a balance of value and security.
Pros:
Cons:
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 Henderson for men and women, with a MoneyGeek score of 92. This score reflects a strong balance of affordability, customer satisfaction and financial stability.
Top whole life companies in Henderson:
Whole life insurance offers lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that they can borrow against in the future.
In Henderson, Protective is the premier choice for whole life insurance for men and women, boasting a MoneyGeek score of 92. Protective offers affordability, customer satisfaction and financial stability.
Pros:
Cons:
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 is the premier provider of the best universal life insurance in Henderson for men and women, with a MoneyGeek score of 91. This score reflects the company's strong affordability and customer satisfaction.
Best universal life insurance companies:
Universal life insurance offers flexible premiums, a death benefit and the potential to build cash value over time. For instance, someone who wants to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies, providing security and flexibility.
Protective has the best universal life insurance in Henderson, delivering top-tier service to men and women. A MoneyGeek score of 91 ensures that customers receive high-quality solutions that meet their needs and expectations.
Pros:
Cons:
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.
For those seeking the best no-medical-exam life insurance in Henderson, Protective is the top choice. It has a MoneyGeek score of 91 for both men and women. This score indicates a robust offering that balances affordability, customer satisfaction and financial stability.
Best life insurance companies that do not require a medical exam:
Life insurance without a required medical exam allows individuals to obtain coverage quickly. This can be particularly beneficial for those who need immediate coverage or have health issues that could complicate a traditional application process. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid being denied or facing higher premiums.
When searching for the best life insurance with no mandatory medical exam in Henderson, Protective is a great option for men and women. Its MoneyGeek score of 91 reflects its commitment to meet the needs of its customers.
Pros:
Cons:
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.
Residents in Henderson seeking the best term life insurance for seniors can rely on Protective. It has high MoneyGeek scores of 92 for men and 91 for women, with average monthly premiums of $75 and $63, respectively.
Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Protective's MoneyGeek score reflects its commitment to affordability, customer satisfaction, financial stability and product diversity. These factors are pivotal for seniors prioritizing security and value.
| 1 | Protective | $75 | 92 |
| 2 | Mutual of Omaha | $85 | 91 |
| 3 | Nationwide | $78 | 90 |
| 4 | Allstate | $78 | 88 |
| 5 | AAA | $101 | 88 |
| 6 | Prudential | $74 | 88 |
| 7 | Transamerica | $94 | 87 |
| 8 | State Farm | $148 | 84 |
| 9 | Haven | $150 | 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 Henderson, Mutual of Omaha has the best term life insurance for smokers. It earned MoneyGeek scores of 90 for men and 89 for women, with average monthly premiums of $85 and $77, respectively.
Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha provides valuable coverage at competitive prices. This information is crucial for smokers who need a reliable policy that can accommodate their circumstances without compromising quality or cost.
| 1 | Mutual of Omaha | $85 | 90 |
| 2 | Nationwide | $92 | 89 |
| 3 | Protective | $116 | 88 |
| 4 | Prudential | $67 | 88 |
| 5 | Transamerica | $83 | 87 |
| 6 | State Farm | $110 | 86 |
| 7 | AAA | $150 | 85 |
| 8 | Allstate | $130 | 84 |
| 9 | Haven | $142 | 83 |
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.
If you're looking for the best term life insurance for young adults in Henderson, Protective is the top choice for both men and women. With a MoneyGeek score of 92 and average monthly premiums of $11 for men and $9 for women, Protective offers exceptional value.
Age is crucial in determining life insurance premiums, with younger adults typically benefiting from lower rates. Choosing a reliable term life insurance is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $11 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $14 | 89 |
| 4 | AAA | $15 | 88 |
| 5 | Allstate | $13 | 88 |
| 6 | Transamerica | $14 | 87 |
| 7 | Prudential | $15 | 86 |
| 8 | Haven | $16 | 85 |
| 9 | State Farm | $25 | 84 |
| 10 | Bestow | $23 | 84 |
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.
The best cheap term life insurance in Henderson for both men and women is offered by Protective. It has a MoneyGeek score of 92 and monthly premiums of about $17 for men and $15 for women.
Factors such as age, health, coverage amount and term length affect life insurance costs. To get the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount.
| 1 | Protective | $17 | 92 |
| 2 | Nationwide | $22 | 91 |
| 3 | Mutual of Omaha | $21 | 90 |
| 4 | Allstate | $20 | 89 |
| 5 | Transamerica | $22 | 88 |
| 6 | AAA | $24 | 88 |
| 7 | Prudential | $22 | 88 |
| 8 | Haven | $29 | 84 |
| 9 | State Farm | $39 | 82 |
The average monthly cost of term life insurance in Henderson is $26 for women and $35 for men.
Many factors affect life insurance premiums, including age, health, lifestyle and the amount of coverage you choose. Insurers assess these factors to determine the risk for them by insuring you.
The cost of life insurance in Henderson might be higher or lower than in the rest of Nevada due to local health statistics, lifestyle, economic conditions and competition among insurance providers. For example, premiums could be higher if Henderson has higher average health risks or a less competitive insurance market. Conversely, if the local economy is strong and there is significant competition among insurers, premiums could be lower.
Always consider your circumstances and the specific conditions of your area when evaluating your options.
Protective has the best life insurance in Henderson for men, with a MoneyGeek score of 92.
The average monthly premium for the best life insurance for men in Henderson, offered by Protective, is approximately $35. This cost is based on a 20-year term for a non-tobacco user in excellent health.
Protective also offers the best life insurance in Henderson for women, with a MoneyGeek score of 92.
The average monthly premium for the best life insurance for women in Henderson, provided by Protective, is about $28. This rate applies to a 20-year term for a non-tobacco user in excellent health.
Life insurance in Henderson is similar to the rest of Nevada. Protective ranks highly across the state, offering competitive premiums and strong customer satisfaction. The differences may come from individual health and lifestyle factors, which can affect premiums.
If a life insurance company goes bankrupt in Henderson, state guaranty associations typically protect policyholders. These associations ensure that claims are paid up to certain limits, providing a safety net for policyholders.
Henderson residents might need life insurance to provide financial security for their dependents, cover outstanding debts or manage funeral expenses. Life insurance can also serve as a financial planning tool for future needs.
To find a lost life insurance policy in Henderson, contact the insurance company directly or check with the Nevada Division of Insurance. They can assist in locating the policy and guide the next steps.
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.
