Best Life Insurance in Kansas City, KS (November 2024)

In Kansas City, Kansas, Mutual of Omaha stands out with the best life insurance for men, with a MoneyGeek score of 91 and an average monthly premium of $35. Meanwhile, Protective is the best provider for women, with a MoneyGeek score of 91 at $26 monthly. These scores and rates are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions, including coverage amount, term length, and your health. Your unique needs may mean a different company is best for you.

Mutual of Omaha offers the best life insurance for men in Kansas City with a MoneyGeek score of 91 and a monthly premium of $35. For women, Protective leads with a MoneyGeek score of 91 and a monthly premium of $26.

Top providers for men:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $35 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $36 per month for men

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $26 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for women

Mutual of Omaha stands out for men due to its high MoneyGeek score, indicating a strong balance of affordability, customer satisfaction and financial stability. Protective's lower premium for women makes it an attractive choice while maintaining a high score. These companies provide reliable options for those seeking life insurance in Kansas City.

Mutual of Omaha offers the best term life insurance for men with a MoneyGeek score of 91 at $17 per month, while Protective takes the lead for women with a score of 92 at $14 per month. These companies provide reliable coverage at competitive rates, making them top choices for individuals seeking financial protection for their loved ones.

The top two term life insurance companies for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $17 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $18 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $14 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $19 per month for women

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.

Protective offers the best whole life insurance for both men and women, with a MoneyGeek score of 92 out of 100. Protective offers a combination of affordability, customer satisfaction and financial stability that is well-suited for the average individual looking for reliable life insurance coverage.

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

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 stands out as the best universal life insurance provider in Kansas City for both men and women, with a MoneyGeek score of 91. This score reflects the company's strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity.

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

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.

In Kansas City, 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.

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

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.

For men seeking the best term life insurance for seniors in Kansas City, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $70. Women, on the other hand, find Protective at the forefront, also scoring 91, with a slightly lower monthly premium of $61.

Age significantly impacts life insurance premiums; as people age, the likelihood of health issues increases, which in turn raises the cost of insurance. Mutual of Omaha and Protective are known for their affordability, high customer satisfaction and financial stability.

For those in Kansas City seeking the best term life insurance for smokers, Mutual of Omaha stands out with the highest MoneyGeek score of 90 for men and 88 for women. Men can expect a monthly premium of $39, while women's premiums are $43.

Smoking significantly influences life insurance premiums, as insurers view smokers as higher risk due to health-related concerns. Mutual of Omaha's high scores reflect its commitment to customer satisfaction, financial stability and a diverse range of products.

For young adults in Kansas City, Protective is the winner. It earns MoneyGeek score of 92 and offers average monthly premiums of $10 for women and $11 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

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.

For the best cheap term life insurance in Kansas City, Nationwide is the top provider for men with a MoneyGeek score of 93 and an average monthly premium of $16. For women, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $14. Nationwide's high MoneyGeek score reflects its strong buying process and affordability, making it a top choice for men seeking the best cheap term life insurance in Kansas City. Similarly, Protective's high score for women is due to its excellent customer satisfaction and financial stability.

Various factors influence life insurance premiums, including age, health, coverage amount and term length. Maintaining good health, choosing a shorter term length, and opting for a higher coverage amount are essential to securing the lowest premiums. Understanding these factors can help consumers make informed decisions when selecting a life insurance provider.

The average monthly premium for term life insurance in Kansas City, Kansas, 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 Kansas City might be higher or lower compared to other parts of Kansas due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Kansas City 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.