Best Life Insurance in Las Vegas, NV (October 2024)

For both men and women, the best life insurance company in Las Vegas, Nevada, is Protective, with a MoneyGeek score 92. The average monthly premium for women is $24, and for men, it is $26.

Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. Your unique needs may mean a different company is best for you.

In Las Vegas, Protective is the best life insurance provider for men and women. It has a MoneyGeek score of 92 and offers average monthly premiums of $26 for men and $24 for women.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $26 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $30 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $24 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $27 per month for women

Protective's affordability and customer satisfaction make it a reliable choice for life insurance in Las Vegas.

Protective is the best term life insurance provider in Las Vegas for both men and women. It has a MoneyGeek score of 92 and an average premium of $13 per month. This score suggests that Protective offers a reliable and cost-effective policy.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $15 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for women

Term life insurance is a policy that covers a specified term and offers a death benefit if the insured passes away during the term. It's often chosen for its simplicity and lower cost than permanent life insurance. For example, a parent might opt for term life insurance to fund their child's education should anything happen to them.

Las Vegas residents seeking the best whole life insurance can turn to Protective, which has a MoneyGeek score of 92. It's a solid choice for those looking to secure their financial future with a reliable insurance policy.

Top whole life companies in Las Vegas:

• 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 offers 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 they can borrow against in the future.

Protective is the best universal life insurance company in Las Vegas, with a MoneyGeek score of 91 for both men and women. Protective's high score suggests a balance of cost and quality service that could be beneficial for long-term financial planning.

Best universal life insurance companies:

• 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 flexible premiums, a death benefit and the potential to build cash value over time. For instance, someone who wants to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies, providing security and flexibility.

The best no-medical-exam insurance provider in Las Vegas is Protective, with a MoneyGeek score of 91 for both men and women. This score suggests that Protective offers a combination of affordability, customer satisfaction and financial stability.

Best life insurance companies that do not require a medical exam:

• 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 required medical exam allows individuals to obtain coverage quickly. This can be particularly beneficial for those who need immediate coverage or have health issues that could complicate a traditional application process. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid being denied or facing higher premiums.

In Las Vegas, Protective offers the best term life insurance for seniors. It received a MoneyGeek score of 92 for men and 91 for women and offers average monthly premiums of $56 and $55, respectively.

Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Protective's MoneyGeek score reflects its commitment to affordability, customer satisfaction, financial stability and product diversity.

In Las Vegas, Mutual of Omaha stands out with the best term life insurance for smokers. It got impressive MonetGeek scores of 90 for men and 89 for women, with average monthly premiums of $63 and $67, respectively.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha provides valuable coverage at competitive prices. This information is crucial for smokers who need a reliable policy that can accommodate their circumstances without compromising quality or cost.

In Las Vegas, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 and a monthly premium of approximately $8.

Age is crucial in determining life insurance premiums, with younger adults typically benefiting from lower rates. Choosing a reliable term life insurance is essential for securing financial protection at a reasonable cost.

For the best cheap term life insurance in Las Vegas, Protective is the top pick for both men and women. It has a MoneyGeek score of 92 and a monthly premium of about $13.

Factors such as age, health, coverage amount and term length affect life insurance costs. To get the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount.

The average monthly premium for term life insurance in Las Vegas is $23 for women and $26 for men.

Many factors affect life insurance premiums, including age, health, lifestyle and the amount of coverage you choose. Insurers assess these factors to determine the risk for them by insuring you.

The cost of life insurance in Las Vegas might differ from the rest of Nevada due to local health statistics, economic conditions, specific regional risk factors and other reasons. For example, premiums might be higher if a region has higher health care costs or a higher case of certain health conditions. Conversely, areas with lower living costs or better overall health statistics might see lower premiums.

Always consider your circumstances and the specific conditions of your area when evaluating your options.