Updated: November 22, 2024
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In Kansas City, Missouri, the best life insurance provider for women is Protective with a MoneyGeek score of 92 and a monthly premium of $21. For men, the top provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $31.
These scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Kansas City, Missouri.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceKansas City, MOBest Life Insurance Companies in Kansas City
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 Kansas City with a MoneyGeek score of 91 out of 100 at $31 per month. Protective leads for women with a MoneyGeek score of 92 out of 100 at $21 per month.
The top providers for men are:
The top providers for women are:
These providers stand out with their competitive scores and affordability. Their high MoneyGeek scores reflect a strong blend of affordability, customer satisfaction and financial stability.
In Kansas City, Mutual of Omaha leads for men with a score of 91 and a $31 monthly premium. Both companies offer a blend of high customer satisfaction and financial stability.
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In Kansas City, Protective stands out for women with a MoneyGeek score of 92. Women can secure coverage for a monthly premium of $21. It offers a blend of 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.
For men seeking the best term life insurance in Kansas City, Mutual of Omaha stands out with a MoneyGeek score of 92 at $13 per month. Women find Protective best, which also scores 92 but at a slightly lower monthly premium of $10. These scores reflect a balance of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Term life insurance provides a death benefit for a set period, making it an affordable option for those seeking coverage during critical years, such as while raising a family or paying off a mortgage.
For men seeking the best term life insurance in Kansas City, Mutual of Omaha stands out with a MoneyGeek score of 92. The company offers a monthly premium of $13, balancing cost with comprehensive coverage options.
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Protective emerges as the premier provider of term life insurance for women in Kansas City, with a MoneyGeek score of 92. With a monthly premium of just $13.
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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.
The best whole life insurance in Kansas City is from Protective. For men and women, its MoneyGeek score is 92. This score reflects the company's commitment to affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Whole life insurance is a permanent policy that provides a death benefit and can accumulate cash value over time. For instance, someone might choose whole life insurance to ensure lifelong coverage and to potentially build a cash reserve that can be borrowed against if needed.
When it comes to selecting the best whole life insurance in Kansas City, Protective stands out for men and women with an overall MoneyGeek score of 92. This score reflects a combination of factors that are important to policyholders, including customer satisfaction and financial stability.
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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.
In Kansas City, Protective stands out as the provider with the best universal life insurance for men and women, with a MoneyGeek score of 91 for each. This score reflects a combination of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. It can be an attractive option for someone who anticipates changes in their financial situation and wants the ability to modify their coverage accordingly.
Protective stands is the best choice for universal life insurance in Kansas City, catering to both men and women. With a MoneyGeek score of 91 for each, Protective demonstrates excellence in 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.
Protective company provides the best life insurance with no mandatory medical exam in Kansas City for men and women, with a MoneyGeek score of 91. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability and product diversity.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage quickly and without the need for a physical examination. This can be particularly beneficial for those who need immediate coverage or have health issues that might prevent them from passing a traditional medical exam. For example, a person with a chronic illness might choose this insurance to ensure that they can secure a policy without the risk of being denied based on their health status.
Protective provides the best no-medical-exam life insurance in Kansas City for both men and women, with a MoneyGeek score of 91. With exceptional customer satisfaction and strong financial stability, Protective offers reliable coverage options.
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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.
In Kansas City, Mutual of Omaha provides the best term life insurance for seniors for men, with a MoneyGeek score of 91 and a monthly premium of $53. For women, Protective leads with a score of 92 and a premium of $44.
Age is a determining factor in life insurance premiums; as individuals age, the risk to insurers increases, leading to higher costs. The high MoneyGeek scores for these companies reflect a balance of affordability, customer satisfaction and financial stability, which are key for seniors evaluating their term life insurance options.
| 1 | Mutual of Omaha | $53 | 91 |
| 2 | Protective | $61 | 91 |
| 3 | Nationwide | $52 | 90 |
| 4 | Allstate | $51 | 89 |
| 5 | Transamerica | $62 | 87 |
| 6 | Prudential | $65 | 86 |
| 7 | AAA | $94 | 85 |
| 8 | State Farm | $93 | 85 |
| 9 | Haven | $97 | 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 Kansas City, Mutual of Omaha stands out with the best term life insurance for smokers, with a MoneyGeek score of 90 for men and 89 for women, and monthly premiums of $29 and $26, respectively.
Smoking significantly influences life insurance premiums because it presents higher health risks and potential costs for insurers. Mutual of Omaha's top scores reflect its strong performance across affordability, customer satisfaction, the buying process, financial stability and product diversity.
| 1 | Mutual of Omaha | $29 | 90 |
| 2 | Allstate | $23 | 89 |
| 3 | Nationwide | $34 | 88 |
| 4 | Protective | $42 | 88 |
| 5 | Transamerica | $25 | 88 |
| 6 | Prudential | $29 | 86 |
| 7 | State Farm | $40 | 85 |
| 8 | AAA | $52 | 85 |
| 9 | Haven | $50 | 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.
For the best term life insurance for young adults in Kansas City, Mutual of Omaha stands out for men with a MoneyGeek score of 92 and a monthly premium of $8. Protective is the top choice for women, boasting a MoneyGeek score of 92 and a monthly premium of $6.
Age plays a significant role in the cost of life insurance premiums. Younger adults often benefit from lower rates due to their lower risk profiles. The high MoneyGeek scores for these companies reflect their affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $8 | 92 |
| 2 | Protective | $9 | 92 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $9 | 88 |
| 5 | Transamerica | $9 | 88 |
| 6 | AAA | $14 | 87 |
| 7 | Haven | $11 | 86 |
| 8 | State Farm | $16 | 86 |
| 9 | Prudential | $13 | 85 |
| 10 | 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.
For the best cheap term life insurance in Kansas City, Protective stands out with a MoneyGeek Score of 92 and monthly premiums of $13 for women and $15 for men. Protective's high scores in affordability, customer satisfaction, and financial stability make it the top choice.
Factors affecting life insurance premiums include age, health, and the amount of coverage. To get the lowest premiums, maintain a healthy lifestyle, choose a suitable coverage amount and compare different providers.
| 1 | Mutual of Omaha | $13 | 92 |
| 2 | Nationwide | $14 | 92 |
| 3 | Protective | $14 | 91 |
| 4 | Allstate | $14 | 90 |
| 5 | Transamerica | $15 | 89 |
| 6 | AAA | $23 | 85 |
| 7 | Haven | $18 | 84 |
| 8 | Prudential | $19 | 84 |
| 9 | State Farm | $25 | 82 |
The average monthly cost of term life insurance in Kansas City is $29 for men and $24 for women. Many factors influence life insurance premiums. These include age, health, lifestyle, occupation, the amount of coverage, and the length of the term. Insurers assess these factors to determine the risk associated with providing coverage.
Life insurance costs in Kansas City may differ from the rest of Missouri due to various local factors. Health trends, economic conditions, and specific risk factors unique to the area can impact premium costs. Additionally, competition among insurers in Kansas City can affect pricing.
Mutual of Omaha has the best life insurance for men in Kansas City. The company has a MoneyGeek score of 91. This score reflects a combination of affordability, customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Kansas City is $31. This cost is based on the highest-rated company, Mutual of Omaha, which offers a comprehensive balance of affordability and quality.
Protective has the best life insurance for women in Kansas City. The company has a MoneyGeek score of 92. This high score indicates strong performance in affordability, customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Kansas City is $21. Protective offers this rate, making it the top choice based on a combination of cost and quality.
Life insurance in Kansas City may differ from the rest of Missouri in terms of provider options and premium rates. For example, Kansas City might have specific providers like Protective and Mutual of Omaha offering competitive rates and high customer satisfaction scores.
If a life insurance company goes bankrupt in Kansas City, state guaranty associations may step in to protect policyholders. These associations ensure that policyholders receive coverage up to certain limits, even if the original insurance company cannot fulfill its obligations. This safety net helps maintain financial security for policyholders in such situations.
Kansas City residents might need life insurance for various reasons, including providing financial security for dependents, covering outstanding debts, and ensuring long-term financial stability for their families. Life insurance can also help cover funeral expenses and provide a financial cushion in the event of unexpected loss.
To find a lost life insurance policy in Kansas City, residents can check with the Missouri Department of Insurance or use online tools designed to locate unclaimed insurance benefits. Additionally, contacting the insurance company directly or searching through personal records and financial documents can help locate a missing 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.
