Updated: November 21, 2024
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Protective is the best life insurance company in Irving, Texas, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $46 and $31, respectively. These figures are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider your age, health and financial goals. While Protective has the highest scores in our analysis, 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 Irving, Texas.
We updated life insurance providers' coverage costs and company information in October 2024.
BestLife InsuranceIrving, TXBest Life Insurance Companies in Irving
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 Irving, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $46 for males and $31 for females.
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Top providers for women:
Protective's high MoneyGeek scores and affordable premiums make it an excellent choice for life insurance.
Protective is Irving's top life insurance provider, with MoneyGeek scores of 91 for men and 92 for women and monthly premiums of $46 and $31, respectively.
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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 is the best term life insurance provider for men in Irving, with a MoneyGeek score of 91 and an average monthly premium of $22. For women, Protective leads with a score of 92 at $17 monthly. These companies offer a balance of affordability and customer satisfaction.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides a death benefit for a set period, offering peace of mind without the long-term commitment of whole life policies. For example, a young family might choose term insurance to ensure financial support during their children's formative years.
Mutual of Omaha is the top term life insurance provider for men in Irving, with a MoneyGeek score of 91 and a monthly premium of $22. It's known for exceptional customer satisfaction and affordability, making it a reliable choice for life insurance.
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Protective is the top choice for women seeking term life insurance in Irving, with a MoneyGeek score of 92. It offers a low monthly premium of $17 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 is the best whole life insurance provider in Irving, with a MoneyGeek score of 92 for men and women. This score reflects excellent value, balancing cost with customer satisfaction and financial stability.
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. Someone interested in estate planning or who wants to leave a legacy might choose this insurance for its guaranteed payout and potential cash value growth.
Protective is Irving's leading whole life insurance company, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to providing reliable insurance solutions and customer satisfaction.
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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 has Irving's best universal life insurance, with a MoneyGeek score of 91 for men and women. This score reflects excellence in affordability, customer satisfaction and financial stability.
Universal life insurance provides flexible coverage that can adapt to personal financial changes over time. For example, someone might choose it for the potential to build cash value that can be used in retirement, offering a financial safety net beyond just a death benefit.
Protective is the leading universal life insurance provider in Irving, with a MoneyGeek score of 91 for men and women. This score reflects a strong commitment to 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 Irving, Protective offers the best life insurance without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects strong performance across affordability, customer satisfaction, financial stability and product diversity.
Life insurance with no mandatory medical exam offers coverage without a health checkup, benefiting those with health concerns or needing quick coverage. Someone with a chronic condition might opt for this type of insurance to avoid potential rate hikes or coverage denial.
Protective is the top choice for life insurance without the hassle of a medical examination in Irving. Its MoneyGeek score of 91 for men and women 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.
For older men seeking the best term life insurance for seniors in Irving, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $90. Protective is the top choice for women, scoring 92 and charging $71 monthly.
Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha and Protective's high MoneyGeek scores reflect their well-rounded offerings, affordability, customer satisfaction, financial stability and product diversity — key factors for seniors seeking reliable coverage.
| 1 | Mutual of Omaha | $90 | 91 |
| 2 | Nationwide | $74 | 91 |
| 3 | Protective | $97 | 90 |
| 4 | Prudential | $90 | 86 |
| 5 | Transamerica | $102 | 86 |
| 6 | Allstate | $121 | 86 |
| 7 | AAA | $142 | 85 |
| 8 | State Farm | $135 | 85 |
| 9 | Haven | $165 | 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 seeking the best term life insurance for smokers in Irving, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $50. Women will find Allstate as the top option, scoring 89 with a monthly premium of $32.
Smoking raises life insurance costs due to added health risks, which insurers factor into premiums. Mutual of Omaha and Allstate's high scores reflect their balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $50 | 91 |
| 2 | Nationwide | $46 | 90 |
| 3 | Allstate | $45 | 88 |
| 4 | Transamerica | $45 | 88 |
| 5 | Protective | $70 | 88 |
| 6 | Prudential | $42 | 88 |
| 7 | State Farm | $65 | 85 |
| 8 | AAA | $80 | 85 |
| 9 | Haven | $80 | 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.
Protective offers the best term life insurance for young adults in Irving, with a MoneyGeek score of 92 and average monthly premiums of $14 for men and $10 for women.
Age significantly influences life insurance premiums, with younger adults typically benefiting from lower costs. Protective stands out due to its high customer satisfaction, affordability and financial stability.
| 1 | Protective | $14 | 92 |
| 2 | Mutual of Omaha | $14 | 91 |
| 3 | Nationwide | $13 | 91 |
| 4 | Transamerica | $15 | 87 |
| 5 | AAA | $22 | 85 |
| 6 | Prudential | $18 | 85 |
| 7 | State Farm | $23 | 85 |
| 8 | Allstate | $23 | 85 |
| 9 | Haven | $18 | 84 |
| 10 | Bestow | $24 | 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 Irving, Nationwide leads for men with a MoneyGeek score of 93 and an average monthly premium of $20. Protective is the top option for women, with a MoneyGeek score of 92 at $17 monthly.
Factors affecting premiums include age, health, coverage amount and term length. To get the lowest rates, maintain good health, avoid tobacco and compare quotes from multiple insurers.
| 1 | Nationwide | $20 | 93 |
| 2 | Mutual of Omaha | $22 | 91 |
| 3 | Protective | $23 | 91 |
| 4 | Transamerica | $25 | 88 |
| 5 | Prudential | $27 | 86 |
| 6 | AAA | $35 | 84 |
| 7 | Allstate | $34 | 84 |
| 8 | State Farm | $35 | 82 |
| 9 | Haven | $31 | 82 |
The average monthly costs of term life insurance in Irving are $29 for men and $24 for women.
Several factors influence costs, including age, health, lifestyle, occupation, coverage amount and term length. Insurers assess them to determine the risk of providing coverage.
Life insurance costs in Irving may differ from the rest of Texas due to local factors like health trends, economic conditions and city-specific risks. Competition among insurers in Irving can also impact pricing, causing variations compared to other areas in the state.
Protective has the best life insurance for men in Irving, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Irving, offered by Protective, is $46. This cost is based on a 20-year term policy for a non-tobacco user aged 31 to 40.
Protective offers the best life insurance for women in Irving, with a MoneyGeek score of 92 out of 100.
For women in Irving, the average monthly premium for the best life insurance from Protective is $31. This is for a 20-year term policy for a non-tobacco user aged 31 to 40.
Life insurance in Irving may have different premiums and company ratings compared to other parts of Texas. For example, Protective offers competitive rates and high-quality service in Irving. Compare local options to get the best deal.
If a life insurance company in Irving goes bankrupt, state guaranty associations typically protect policyholders by ensuring that claims are paid up to certain limits.
Irving residents may need life insurance to provide financial security for their families, cover debts and ensure that their loved ones are taken care of in case of their passing. It can also help with funeral costs and other final expenses.
To find a lost life insurance policy in Irving, check with the deceased's financial advisors, employers and insurance agents. You can also contact the Texas Department of Insurance or use online search tools to locate the policy.
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.
