Updated: November 22, 2024
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In Highlands Ranch, Colorado, Protective is the best life insurance provider for men and women. With a MoneyGeek score of 92 and a monthly premium cost of $35 for women and $52 for men, Protective offers the highest value.
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. Different factors should be considered when deciding on what type of life insurance to buy.
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 Highlands Ranch, Colorado.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceHighlands RanchBest Life Insurance Companies in Highlands Ranch
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.
In Highlands Ranch, Protective offers the best life insurance for men and women, with a MoneyGeek score of 92 out of 100 and a monthly premium of $52 for men and $35 for women.
The top providers for men are:
The top providers for women are:
Protective stands out due to its high MoneyGeek score, indicating strong performance across affordability, customer satisfaction and financial stability.
Protective stands out as the best life insurance provider in Highlands Ranch for men and women. With an MoneyGeek score of 92 for both, Protective offers a monthly premium of $35 for women and $52 for men. This blend of affordability and high customer satisfaction makes Protective a top choice 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
For people in Highlands Ranch seeking the best term life insurance, Protective stands out for both men and women, with a MoneyGeek score of 68 and monthly premiums of $25 for men and $19 for women. Protective's high score indicates a strong combination of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Term life insurance provides coverage for a predetermined period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, a parent might choose term life insurance to ensure their child's education expenses are covered in the event of their untimely death. This type of insurance is often chosen for its simplicity and lower cost compared with whole life insurance.
Protective stands out as the best term life insurance provider for women and men in Highlands Ranch, boasting a MoneyGeek score of 92 for both. With a monthly premium cost of $19 for women ($25 for men), it represents a blend of value and quality in the insurance market.
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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.
In Highlands Ranch, Protective stands out as the provider with the best whole life insurance for both men and women, with a MoneyGeek score of 67. This score reflects Protective's strong performance across affordability, customer satisfaction, financial stability and product diversity.
The top providers for women are:
The top providers for women are:
Whole life insurance is a type of permanent life insurance that offers a death benefit alongside a savings component. For example, someone might opt for whole life insurance to provide financial security for their family while also accumulating cash value that can serve as a financial resource during their lifetime.
The best whole life insurance in Highlands Ranch is from Protective, which is the top choice for men and women. It has a MoneyGeek score of 92 for each. This company stands out for its exceptional customer satisfaction and competitive pricing.
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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 stands out as the provider of the universal life insurance in Highlands Ranch for men and women, with a MoneyGeek score of 91. This high score indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexible premiums and the potential for cash value growth, making it a compelling option for long-term financial planning. For instance, someone might choose it over term life insurance for the added benefit of accumulating savings that can be borrowed against in the future.
In Highlands Ranch, Protective stands out as the premier choice for universal life insurance for both men and women, boasting a MoneyGeek score of 91 for each. This score reflects a balance of affordability, 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.
For those seeking the best life insurance with no mandatory medical exam in Highlands Ranch, Protective stands out with a MoneyGeek score of 91 for men and women. Someone looking to purchase this type of insurance would benefit from Protective's high customer satisfaction and financial stability scores.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage without a physical examination. For example, someone with a busy schedule or a pre-existing condition might choose this insurance to avoid the lengthy approval process of traditional policies.
Protective emerges as the top choice for no-medical-exam life insurance in Highlands Ranch, offering exceptional value and satisfaction to men and women, with an overall MoneyGeek score of 91 for each.
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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 seniors in Highlands Ranch, Protective stands out as the provider of the best term life insurance for seniors, with a MoneyGeek Score of 92 for men and 91 for women. The monthly premiums are $114 for men and $84 for women.
Age is a determining factor in life insurance premiums; older individuals typically face higher rates due to increased risk. Protective's high MoneyGeek score reflects its strong customer satisfaction, financial stability, and product diversity, which are crucial for seniors seeking reliable and comprehensive coverage.
| 1 | Protective | $114 | 92 |
| 2 | Mutual of Omaha | $129 | 91 |
| 3 | Nationwide | $115 | 90 |
| 4 | AAA | $149 | 88 |
| 5 | Allstate | $127 | 88 |
| 6 | Prudential | $112 | 88 |
| 7 | Transamerica | $142 | 87 |
| 8 | State Farm | $202 | 85 |
| 9 | Haven | $222 | 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 Highlands Ranch, the best term life insurance for smokers, is from Mutual of Omaha. It stands out with the highest MoneyGeek scores for both men and women. It scores 90 for men and has a monthly premium of $126; it scores 88 for women with a premium of $99.
Smoking is a key factor in determining life insurance premiums due to the associated health risks, often leading to higher costs for policyholders. Mutual of Omaha's top scores reflect a strong balance of affordability, customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $126 | 90 |
| 2 | Nationwide | $132 | 89 |
| 3 | AAA | $137 | 88 |
| 4 | Protective | $173 | 88 |
| 5 | Prudential | $99 | 88 |
| 6 | Transamerica | $124 | 87 |
| 7 | State Farm | $166 | 85 |
| 8 | Allstate | $207 | 84 |
| 9 | Haven | $206 | 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.
The best term life insurance for young adults in Highlands Ranch is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $11 for women and $15 for men.
Age significantly affects life insurance premiums, with younger adults generally enjoying lower rates. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability.
| 1 | Protective | $15 | 92 |
| 2 | Mutual of Omaha | $19 | 91 |
| 3 | Nationwide | $19 | 89 |
| 4 | AAA | $22 | 88 |
| 5 | Allstate | $19 | 87 |
| 6 | Transamerica | $20 | 86 |
| 7 | Prudential | $22 | 85 |
| 8 | Haven | $23 | 84 |
| 9 | State Farm | $32 | 84 |
| 10 | Bestow | $32 | 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.
In Highlands Ranch, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 and monthly premiums of $19 and $25, respectively.
The cost of premiums for life insurance depends on several factors, including age, health and coverage amount. To get the lowest premiums possible, maintain good health, choose a shorter term length and avoid tobacco use. Protective's high MoneyGeek score is due to its strong affordability, customer satisfaction and financial stability.
| 1 | Protective | $25 | 92 |
| 2 | Nationwide | $30 | 91 |
| 3 | Mutual of Omaha | $30 | 90 |
| 4 | Allstate | $31 | 89 |
| 5 | AAA | $35 | 88 |
| 6 | Transamerica | $33 | 88 |
| 7 | Prudential | $33 | 87 |
| 8 | Haven | $41 | 83 |
| 9 | State Farm | $51 | 82 |
The average monthly premium for term life insurance in Highlands Ranch, Colorado, is $29 for women and $33 for men. Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Highlands Ranch might be different from other parts of Colorado due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Highlands Ranch has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective has the best life insurance for men in Highlands Ranch. The company has the highest MoneyGeek score of 92, making it the top choice for male policyholders.
The monthly premium cost for the best life insurance for men in Highlands Ranch is $52. Protective offers this rate for male policyholders in the 31 to 40 age group with excellent health.
Protective has the best life insurance for women in Highlands Ranch. The company has the highest MoneyGeek score of 92, making it the top choice for women policyholders.
The monthly premium cost for the best life insurance for women in Highlands Ranch is $35. Protective offers this rate for female policyholders in the 31 to 40 age group with excellent health.
Life insurance in Highlands Ranch is comparable to the rest of Colorado. Protective offers competitive rates and high MoneyGeek scores for both men and women. The costs and benefits align with statewide trends, providing consistent coverage options.
If a life insurance company goes bankrupt in Highlands Ranch, state guaranty associations protect policyholders. These associations step in to cover claims and ensure continuity of coverage. Policyholders can feel secure knowing their benefits are safeguarded despite the company's financial troubles.
Highlands Ranch residents need life insurance for financial security. It helps cover expenses like mortgages, education, and daily living costs in case of unexpected death. Life insurance provides peace of mind and ensures loved ones are financially protected.
To find a lost life insurance policy in Highlands Ranch, check personal records and contact the insurance company. Use online databases and state insurance department resources. Inform beneficiaries and keep policy information updated to avoid future issues.
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.
