Updated: December 24, 2024
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For men, Nationwide stands out as the leading life insurance provider, garnering a MoneyGeek score of 97 and an affordable monthly premium of $15. In contrast, women find their top choice in GEICO, with a MoneyGeek score of 96 and a monthly premium of only $12.
Choosing the best life insurance policy entails considering various factors such as coverage needs, financial stability and affordability.
BestLife InsuranceKentuckyBest Life Insurance Companies in Kentucky
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 Kentucky.
Coverage costs and company information for life insurance providers were updated in December 2024.
| Nationwide | 1 | 97 |
| GEICO | 2 | 97 |
| Mutual of Omaha | 3 | 95 |
| Protective | 4 | 94 |
| State Farm | 5 | 93 |
| Allstate | 6 | 92 |
| Haven | 7 | 92 |
| Transamerica | 8 | 92 |
| Prudential | 9 | 91 |
| AAA | 10 | 89 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies in Kentucky:
Nationwide is the best life insurance in Kentucky, showcasing a solid performance for both men and women. It has a MoneyGeek score of 97 for men and 96 for women, with an affordable monthly premium of $15 for each.
The top three highest MoneyGeek scores for life insurance in Kentucky are:
These top-tier companies offer the best mix of life insurance coverage options, affordability and customer satisfaction.
Nationwide stands as the best choice for the best life insurance in Kentucky for men, thanks to its high MoneyGeek score of 97. With affordable monthly premiums, Nationwide presents a financially sound option for securing life insurance that meets your needs and budget, priced at $15 per month.
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GEICO stands as the top choice for the best life insurance in Kentucky for women, garnering the highest MoneyGeek score of 96 with an exceptionally affordable monthly premium of $12.
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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 in Kentucky:
Costs are based on quotes gathered for a $250,000 life insurance policy with a 10-year term.
Nationwide stands as the top provider of the best term life insurance in Kentucky for both men and women, with a MoneyGeek score of 97 and a monthly premium of $13 for men and $12 for women.
The top three highest MoneyGeek scores for term life insurance are as follows:
Nationwide stands as the prime choice for the best term life insurance in Kentucky for both men and women. It received an overall MoneyGeek score of 97 and has a monthly premium of $13 for men and $12 for women.
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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 in Kentucky:
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.
State Farm stands as the premier provider of the best whole life insurance in Kentucky for both men and women, with a MoneyGeek score of 99 out of 100.
State Farm tops the list in Kentucky for both men and women. With an impressive overall MoneyGeek score of 99, this company stands out as the premier choice for your insurance needs.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies in Kentucky:
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.
Nationwide is the preeminent provider of the best universal life insurance in Kentucky for both men and women. It received a MoneyGeek score of 99.
The top three highest MoneyGeek scores for universal life insurance in Kentucky are:
With a MoneyGeek score of 99, Nationwide stands out as the best universal life insurance provider in Kentucky for both men and women.
Pros:
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best no-medical-exam life insurance companies in Kentucky:
We did not weigh affordability as we did not collect no-medical-exam life insurance quotes. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams.
Nationwide is recognized as the company offering the best no-medical-exam life insurance in Kentucky for both men and women, with a MoneyGeek score of 99.
Here are the top three highest MoneyGeek scores:
Nationwide stands out as the premier choice for the best no-medical-exam life insurance in Kentucky, catering seamlessly to both men and women. This top-ranking company earned an overall MoneyGeek score of 99, making it a leading option in the insurance market.
Pros:
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors in Kentucky:
We applied the same weighting factors as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 70 for a more accurate estimate.
Nationwide is the leading provider of the best term life insurance for seniors in Kentucky, topping the charts for both men and women. Nationwide received a MoneyGeek score of 99 for men and 97 for women, with monthly premiums at around $42 for men and $39 for women.
| Nationwide | 1 | $42 | 99 |
| Mutual of Omaha | 2 | $42 | 97 |
| GEICO | 3 | $43 | 96 |
| Prudential | 4 | $47 | 95 |
| State Farm | 5 | $74 | 94 |
| Transamerica | 6 | $45 | 94 |
| Allstate | 7 | $49 | 93 |
| Protective | 8 | $58 | 93 |
| AAA | 9 | $68 | 91 |
| Haven | 10 | $93 | 89 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Kentucky for people who smoke:
We applied the same weighting factors as the term life insurance category; however, the persona for the quote was adjusted to reflect an active smoker for a more accurate estimate.
GEICO stands out as the best term life insurance for smokers in Kentucky, holding the highest MoneyGeek score for men at 96 and a competitive position for women with a score of 93. GEICO presents an affordable monthly premium of $22 for men and women alike.
The company's scores are attributed to its customer satisfaction, stability in the industry and overall affordability.
| GEICO | 1 | $22 | 96 |
| Mutual of Omaha | 2 | $24 | 96 |
| Nationwide | 3 | $29 | 96 |
| State Farm | 4 | $34 | 95 |
| Prudential | 5 | $25 | 94 |
| Transamerica | 6 | $21 | 94 |
| Protective | 7 | $36 | 91 |
| Allstate | 8 | $33 | 90 |
| Haven | 9 | $43 | 90 |
| AAA | 10 | $45 | 89 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Kentucky for young adults:
We applied the same weighting factors as the term life insurance category; however, the persona for the quote was adjusted to reflect an age of 20 for a more accurate estimate.
Nationwide stands out as the best term life insurance for young adults in Kentucky, securing the top MoneyGeek score for both men and women. For men, Nationwide has a remarkable MoneyGeek score of 97 and a monthly premium of $10, while for women, it impresses with a MoneyGeek score of 97 and a monthly premium of $8.
The company distinguishes itself with an excellent blend of customer satisfaction, affordability, diversity, processing efficiency and financial stability, the biggest contributors to its overall MoneyGeek score.
| Nationwide | 1 | $8 | 97 |
| GEICO | 2 | $6 | 97 |
| Mutual of Omaha | 3 | $7 | 96 |
| Protective | 4 | $7 | 94 |
| State Farm | 5 | $14 | 94 |
| Haven | 6 | $9 | 93 |
| Allstate | 7 | $8 | 93 |
| Transamerica | 8 | $8 | 93 |
| Prudential | 9 | $12 | 92 |
| AAA | 10 | $12 | 91 |
| Bestow | 11 | $18 | 89 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies in Kentucky:
We applied the same weighting factors as the term life insurance category; however, the quote was adjusted to reflect a 10-year term with minimum coverage.
Allstate is the top provider for women with a MoneyGeek score of 97 and a monthly premium cost of $8, while GEICO takes the lead for men, scoring 97 with its monthly premium at $9.
These insurers offer the best cheap term life insurance in Kentucky, standing out mainly due to their high scores across financial strength indicators that contribute to the overall MoneyGeek score.
| GEICO | $9 | 97 |
| Mutual of Omaha | $11 | 96 |
| Nationwide | $13 | 96 |
| Allstate | $12 | 94 |
| Transamerica | $13 | 93 |
| Protective | $12 | 93 |
| State Farm | $21 | 89 |
| Prudential | $16 | 89 |
| Haven | $16 | 88 |
| AAA | $19 | 87 |
The average costs of monthly premiums in Kentucky are $29 for women and $39 for men. Factors affecting the average cost of life insurance include age, health, lifestyle, occupation and coverage amount. The average cost of life insurance can vary significantly, so it's best to consider these aspects when purchasing a policy.
The best life insurance for men in Kentucky is offered by Nationwide.
For the top-scoring life insurance from GEICO, men can expect an average monthly premium of $15.
The best life insurance in Kentucky for women is provided by GEICO.
The best life insurance plan from GEICO has an approximate monthly premium of $15.
About Mark Fitzpatrick
Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.
Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.
