Updated: November 22, 2024
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In Huntsville, Alabama, the best life insurance provider for men is Mutual of Omaha with a MoneyGeek score of 91 and an average monthly premium of $34. For women, the top provider is Protective with a MoneyGeek score of 92 and an average monthly premium of $19. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors influence life insurance decisions. 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 Huntsville, Alabama.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceHuntsville, ALBest Life Insurance Companies in Huntsville
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.
Mutual of Omaha offers the best life insurance for men in Huntsville with a MoneyGeek score of 91 and an average monthly premium of $34. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of about $19.
Top providers for men:
Top providers for women:
Mutual of Omaha and Protective provide a balanced mix of affordability, customer satisfaction and financial stability, making them ideal for the average individual looking to purchase life insurance in Huntsville.
Mutual of Omaha offers the best life insurance choice for men in Huntsville, with a MoneyGeek score of 91 out of 100 at about $34 per month. It demonstrates a commitment to customer satisfaction and financial stability, making it a reliable option for life insurance seekers.
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Protective stands out as the best life insurance choice for women in Huntsville, with a MoneyGeek score of 92 and an average monthly premium of $19. Protective is known for its high 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 term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Mutual of Omaha and Protective stand out as the leading providers of the best term life insurance in Hunstville for men and women, respectively. Mutual of Omaha boasts a MoneyGeek score of 92 for men at a monthly cost of $15, while Protective leads for women with a score of 92 at $10 per month.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
Mutual of Omaha stands out as the premier choice for term life insurance in Huntsville for men, boasting a MoneyGeek score of 92. Men can secure coverage at an approximate monthly premium cost of $15. This company delivers on key aspects important to policyholders, reflecting a harmonious blend of value and satisfaction.
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Protective is the best term life insurance provider in Hunstville, with a MoneyGeek score of 92. With a monthly premium cost of $10, it offers a balance of value and security.
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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 insurance provider in Huntsville, with a MoneyGeek score of 92 for both men and women. This score reflects Protective's strong performance across affordability, customer satisfaction, buying process and financial stability.
Whole life insurance provides 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 can be borrowed against in the future.
Protective is the premier choice for whole life insurance in Huntsville, offering robust coverage for both men and women. With a MoneyGeek score of 92, it stands out for its exceptional service and financial reliability. Consumers seeking dependable protection will find Protective's offerings align well with their needs.
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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 is the best universal life insurance provider in Huntsville for both men and women, boasting a MoneyGeek score of 91.
Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies.
Protective stands out as the premier choice for universal life insurance in Huntsville. The company has a MoneyGeek Score of 91 for both men and women, reflecting a strong 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.
In Huntsville, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective is the top choice for those seeking no-medical-exam life insurance in Huntsville for both men and women. With MoneyGeek scores of 91 for each, Protective demonstrates a strong combination of customer satisfaction, affordability and financial stability.
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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.
Mutual of Omaha offers the best term life insurance for seniors, with a MoneyGeek score of 92 for men with an average monthly premium of $54, and a score of 91 for women with a premium of about $41.
Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha stands out due to its strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Mutual of Omaha | $54 | 92 |
| 2 | Nationwide | $55 | 91 |
| 3 | Protective | $75 | 90 |
| 4 | Prudential | $61 | 87 |
| 5 | AAA | $90 | 87 |
| 6 | Allstate | $88 | 86 |
| 7 | State Farm | $106 | 84 |
| 8 | Haven | $124 | 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.
Mutual of Omaha stands out for those seeking the best term life insurance for smokers in Huntsville, with a MoneyGeek score of 91 for men and 89 for women. Mutual of Omaha offers average monthly premiums of $31 and $24, respectively.
Smoking significantly influences life insurance premiums due to the associated health risks. Insurers often charge higher premiums to smokers to offset these risks. The high MoneyGeek Score of Mutual of Omaha reflects its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Mutual of Omaha | $31 | 91 |
| 2 | Allstate | $29 | 89 |
| 3 | Nationwide | $39 | 89 |
| 4 | Protective | $47 | 88 |
| 5 | Prudential | $31 | 87 |
| 6 | State Farm | $42 | 86 |
| 7 | AAA | $60 | 85 |
| 8 | Haven | $57 | 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.
Protective offers the best term life insurance for young adults in Huntsville for both men and women, with a MoneyGeek score of 92. The average monthly premium is $9 and $6, respectively.
Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $9 | 92 |
| 2 | Mutual of Omaha | $9 | 92 |
| 3 | Nationwide | $11 | 90 |
| 4 | AAA | $16 | 87 |
| 5 | Haven | $12 | 86 |
| 6 | State Farm | $20 | 85 |
| 7 | Allstate | $17 | 85 |
| 8 | Prudential | $15 | 85 |
| 9 | Bestow | $22 | 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.
Mutual of Omaha offers the best cheap term life insurance in Huntsville for men, with a MoneyGeek score of 92 and an average monthly premium of $15. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $10.
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 | Mutual of Omaha | $15 | 92 |
| 2 | Nationwide | $16 | 92 |
| 3 | Protective | $16 | 91 |
| 4 | Prudential | $21 | 86 |
| 5 | AAA | $25 | 85 |
| 6 | Haven | $21 | 85 |
| 7 | Allstate | $26 | 84 |
| 8 | State Farm | $30 | 82 |
The average monthly premium for term life insurance in Huntsville is $20 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.
In Huntsville, the cost of life insurance might be higher or lower compared to the rest of Alabama due to various reasons. Local health statistics, economic conditions and the level of competition among insurers can all influence premium rates. Additionally, specific risk factors associated with the area, such as higher rates of certain health conditions, might also play a role.
Understanding these factors can help consumers make informed decisions when purchasing life insurance. By considering personal circumstances and local conditions, individuals can better navigate the options available to them.
Mutual of Omaha has the best life insurance in Huntsville for men, with a MoneyGeek score of 91 out of 100.
The monthly premium cost for the best life insurance for men in Huntsville is $34.
Protective has the best life insurance in Huntsville for women, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for women in Huntsville is $19.
Life insurance in Huntsville may differ from the rest of Alabama in company rankings and premium costs. For example, Protective and Mutual of Omaha top the list in Huntsville, while other cities may have different leaders. Premium costs also vary, reflecting local market conditions and consumer preferences.
If a life insurance company goes bankrupt in Huntsville, state guaranty associations typically step in to protect policyholders. These associations ensure that claims are paid and policies are honored up to certain limits, providing financial security and peace of mind.
Huntsville residents might need life insurance for financial security and peace of mind. Life insurance can cover funeral costs, pay off debts, and provide for dependents. It ensures that loved ones are financially protected in case of unexpected events.
To find a lost life insurance policy in Huntsville, residents can check with the Alabama Department of Insurance or use online search tools. Contacting the insurance company directly or consulting with financial advisors can also help locate 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.
