Updated: November 22, 2024
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Protective offers the best life insurance in Manchester, New Hampshire, for both men and women. It has a MoneyGeek score of 92, with average monthly premiums of $14 for women and $17 for men.
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.
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 Manchester, New Hampshire.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceManchester, NHBest Life Insurance Companies in Manchester
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.
In Manchester, Protective offers the best life insurance for men and women with a MoneyGeek score of 92 out of 100 and monthly premiums of $17 for men and $14 for women.
Top providers for men:
Top providers for women:
Protective stands out due to the excellent value and reliable coverage it offers to its clients.
In Manchester, Protective is the best life insurance provider for both men and women, with a MoneyGeek score of 92. The monthly premium is approximately $14 for women and $17 for men.
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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.
Protective provides the best term life insurance in Manchester for both men and women. It has a MoneyGeek score of 92 and average monthly premiums of $8 for men and $7 for women.
The top two term life insurance companies for men are:
For women, the top two are:
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.
Protective is the premier provider of term life insurance for men and women. It earned a MoneyGeek score of 92 with monthly premiums of $8 for men and $7 for women. It offers a balance of cost and quality 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 provider of the best whole life insurance in Manchester, with a MoneyGeek score of 67 for both men and women. Protective is known for its comprehensive offerings and strong customer service.
Top whole life companies in Manchester:
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 premier provider of whole life insurance in Manchester, securing a MoneyGeek score of 67. Protective delivers reliable insurance solutions tailored to meet diverse needs.
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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 Manchester, Protective is the leading provider of the best universal life insurance for both men and women. Its high MoneyGeek score of 91 reflects its well-rounded offerings and strong industry standing.
Best universal life insurance companies:
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.
Protective is the leading provider of universal life insurance in Manchester for men and women, boasting a MoneyGeek score of 91. This score reflects the company's commitment to delivering quality service and value to its customers.
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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 is the top provider of the best no-medical-exam life insurance in Manchester, with a MoneyGeek score of 91.
Best life insurance companies that do not require a medical exam:
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 Manchester, Protective is the premier choice for no-medical-exam life insurance for men and women, boasting a MoneyGeek score of 91. This score reflects a strong alignment with consumer needs and preferences across key metrics.
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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 Manchester residents seeking the best term life insurance for seniors, Mutual of Omaha is the best option for men, with a MoneyGeek score of 66 and a monthly premium of about $36. For women, Protective leads with a score of 65 and a premium of $34.
Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Mutual of Omaha and Protective are committed to affordability, customer satisfaction, financial stability and product diversity. These features are crucial for seniors who require reliable coverage without overpaying.
| 1 | Mutual of Omaha | $36 | 91 |
| 2 | Protective | $38 | 91 |
| 3 | Nationwide | $40 | 90 |
| 4 | Allstate | $35 | 89 |
| 5 | AAA | $45 | 88 |
| 6 | Transamerica | $40 | 87 |
| 7 | Prudential | $40 | 87 |
| 8 | State Farm | $75 | 84 |
| 9 | Haven | $65 | 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 and women in Manchester, Mutual of Omaha offers the best term life insurance for smokers. For men, it got a MoneyGeek score of 91 with a monthly premium of approximately $42; for women, the score is 89 with a premium of $38.
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.
| 1 | Mutual of Omaha | $42 | 91 |
| 2 | Protective | $61 | 88 |
| 3 | AAA | $46 | 88 |
| 4 | Transamerica | $39 | 88 |
| 5 | Prudential | $37 | 88 |
| 6 | Nationwide | $54 | 87 |
| 7 | State Farm | $56 | 85 |
| 8 | Allstate | $59 | 84 |
| 9 | Haven | $67 | 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.
For the best term life insurance for young adults in Manchester, Protective is the top choice for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $5 and $4, respectively.
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.
| 1 | Protective | $5 | 92 |
| 2 | Mutual of Omaha | $5 | 92 |
| 3 | Nationwide | $7 | 90 |
| 4 | AAA | $7 | 89 |
| 5 | Allstate | $5 | 89 |
| 6 | Transamerica | $6 | 88 |
| 7 | State Farm | $12 | 87 |
| 8 | Prudential | $8 | 87 |
| 9 | Haven | $7 | 86 |
| 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.
If you're looking for the best cheap term life insurance in Manchester, Protective is your best choice. It has a MoneyGeek score of 92, with average monthly premiums of $7 for women and $8 for men.
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.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $8 | 92 |
| 3 | Allstate | $8 | 91 |
| 4 | Nationwide | $11 | 90 |
| 5 | Transamerica | $9 | 89 |
| 6 | AAA | $11 | 89 |
| 7 | Prudential | $12 | 86 |
| 8 | Haven | $12 | 86 |
| 9 | State Farm | $19 | 82 |
The average monthly premium for term life insurance in Manchester is $14 for women and $17 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 Manchester might differ from the rest of New Hampshire 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.
Protective has the best life insurance for men in Manchester, with a MoneyGeek score of 92.
The average monthly premium for the best life insurance for men in Manchester, provided by Protective, is $17.
Protective also offers the best life insurance for women in Manchester. It has a MoneyGeek score of 92.
The average monthly premium for the best life insurance for women in Manchester, provided by Protective, is $14.
Life insurance in Manchester may differ from the rest of New Hampshire in terms of provider options, premium costs and coverage specifics. For instance, Protective offers competitive rates in Manchester but may not be so in other cities within the state. Residents should compare local policies to statewide options to find the best fit.
If a life insurance company goes bankrupt in Manchester, policies are generally protected by state guaranty associations. These associations ensure that policyholders receive coverage up to a certain limit. It's important to understand the specific protections available in New Hampshire.
Manchester residents might need life insurance to provide financial security for their families, cover debts or plan for future expenses like college tuition. Life insurance can also help with estate planning and ensuring loved ones are cared for in the event of an untimely death.
To find a lost life insurance policy in Manchester, check personal records and contact the deceased's financial advisors. You can also reach out to the state's insurance department or use online policy locator services to track down the missing policy.
