Updated: November 21, 2024
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Based on MoneyGeek scores, Protective is the best life insurance provider in Mesquite, Texas for both men and women. The MoneyGeek score for women is 92 with an average monthly premium of $30. For men, the score is 91 with a monthly premium of $40.
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. 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 Mesquite, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceMesquite, TXBest Life Insurance Companies in Mesquite
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 Mesquite, Protective offers the best life insurance for both men and women with a MoneyGeek score of 91 and a monthly premium of $40 for men and a score of 92 with a monthly premium of $30 for women. This makes Protective the top choice for life insurance in the area.
Top providers for men:
Top providers for women:
Protective's high scores and affordable premiums make it the best choice for the average individual looking to purchase life insurance in Mesquite. The company offers a balance of affordability, customer satisfaction, and financial stability, ensuring comprehensive coverage for policyholders.
For both men and women seeking life insurance in Mesquite, Protective emerges as the leading option. With MoneyGeek Scores of 92 for women and 91 for men, Protective offers a balance of affordability and customer satisfaction. Women can secure a policy at approximately $30 per month, while men's premiums are close to $40 monthly.
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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.
Mutual of Omaha stands out as the provider of the best term life insurance in Mesquite, boasting a MoneyGeek score of 91 for men at $19 per month average premium. Protective is the top provider for women with a score of 92 and a premium of $16 per month. This company offers the best value for individuals seeking reliable term life insurance coverage without overstretching their budget.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy where the insurer pays a benefit if the insured person dies during a specified term. For example, a parent might buy a 20-year term policy to ensure their child's education costs are covered in the event of their untimely passing. It's a straightforward, cost-effective solution for those who need coverage for a particular period.
Mutual of Omaha stands out as the top provider of term life insurance for men in Mesquite, Texas, with a stellar MoneyGeek score of 91. Men can secure their peace of mind for just $19 a month, making it a choice that combines quality and value.
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Buying process could be smoother
For women seeking term life insurance in Mesquite, Protective emerges as the top selection with a MoneyGeek score of 92. Offering a monthly premium at an affordable $16, it stands out as a financially sound choice.
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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 provides the best whole life insurance in Mesquite; it has a MoneyGeek score of 92 for both men and women. This score suggests that Protective offers a blend of affordability, customer satisfaction, and financial stability that is well-suited for the average individual seeking a reliable insurance policy.
Top whole life companies for men in Mesquite:
Top whole life companies for women in Mesquite:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. Someone might prefer the best whole life insurance over term life insurance for its lifelong coverage and potential to grow cash value, which can be a financial asset during their lifetime.
Protective stands out as the premier provider of whole life insurance in Mesquite for both men and women, with an impressive MoneyGeek score of 92 for each. This high ranking reflects the company's commitment to customer satisfaction and financial stability. Here's a closer look at what sets Protective apart, as well as areas where there's room for improvement.
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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 Mesquite, Protective stands out as the provider of the best universal life insurance for both men and women, with a MoneyGeek score of 91. This score suggests that Protective offers a reliable and valuable option for those seeking life insurance coverage. The company's high scores across various metrics indicate a strong customer satisfaction rate and financial stability, making it a solid choice for the average individual looking to secure their financial future with a universal life insurance policy. Here are the top providers for each gender based on MoneyGeek scores:
Best universal life insurance for men:
Best universal life insurance for women:
Universal life insurance is a flexible policy that combines life coverage with an investment savings element. If you desire a policy that adapts to your changing financial needs while providing a death benefit, universal life insurance might be the right choice.
For both men and women in Mesquite seeking reliable universal life insurance, Protective emerges as the standout provider, boasting a MoneyGeek score of 91 for both genders. This score reflects a strong commitment to 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 offers the best life insurance without a medical exam for both men and women, with a MoneyGeek score of 91. This score indicates a robust offering that combines affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual in the market for this type of insurance policy. The top MoneyGeek scores for this insurance are:
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
This type of life insurance does not require a medical examination for approval, offering a quicker and more convenient option for coverage. For instance, someone with a busy schedule or a dislike of medical appointments might choose this insurance to ensure they are covered without worrying about a traditional health assessment.
In Mesquite, Protective stands out as the premier provider of life insurance that doesn't require a medical exam for both men and women, boasting MoneyGeek scores of 91 each. Their exceptional performance across various metrics ensures their top position, offering a reliable choice for life insurance seekers.
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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 men seeking the best term life insurance for seniors in Mesquite, Mutual of Omaha stands out with a MoneyGeek score of 91 and a monthly premium of $79. Women find their top choice in Protective, boasting a MoneyGeek score of 92 and a monthly premium of $69.
Age is a determining factor in life insurance premiums; as the risk of health issues increases with age, so does the cost of insurance. The highest MoneyGeek scores represent not just affordability but also customer satisfaction and financial stability, which are paramount for seniors evaluating life insurance options in Mesquite.
| 1 | Mutual of Omaha | $79 | 91 |
| 2 | Nationwide | $65 | 91 |
| 3 | Protective | $85 | 90 |
| 4 | Prudential | $78 | 86 |
| 5 | Transamerica | $89 | 86 |
| 6 | Allstate | $106 | 86 |
| 7 | AAA | $124 | 85 |
| 8 | State Farm | $118 | 85 |
| 9 | Haven | $144 | 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 Mesquite, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek Score of 91 and a monthly premium of $43. Women find Allstate at the forefront, with a score of 89 and a $30 monthly premium.
Smoking is a determining factor in life insurance costs; insurers view smoking as a risk, leading to higher premiums. The MoneyGeek score reflects a company's overall performance, including customer satisfaction and financial stability, which is vital for those relying on life insurance during uncertain times.
| 1 | Mutual of Omaha | $43 | 91 |
| 2 | Nationwide | $40 | 90 |
| 3 | Allstate | $39 | 88 |
| 4 | Transamerica | $39 | 88 |
| 5 | Protective | $61 | 88 |
| 6 | Prudential | $37 | 88 |
| 7 | State Farm | $57 | 85 |
| 8 | AAA | $70 | 85 |
| 9 | Haven | $70 | 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.
In Mesquite, Protective offers the best term life insurance for young adults with a MoneyGeek score of 92. Monthly premiums are $10 for women and $12 for men. Age significantly impacts life insurance premiums, with younger individuals generally benefiting from lower rates.
Protective's high scores in affordability, customer satisfaction, and financial stability contribute to its top ranking. For those seeking the best term life insurance for young adults, Protective stands out as a reliable choice.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $13 | 87 |
| 5 | AAA | $19 | 85 |
| 6 | Prudential | $16 | 85 |
| 7 | State Farm | $20 | 85 |
| 8 | Allstate | $20 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $21 | 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 men in Mesquite, Nationwide offers the best cheap term life insurance with a MoneyGeek score of 93 and a monthly premium of $18. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $16.
Factors affecting life insurance premiums include age, health, coverage amount, and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a shorter term, and opt for a lower coverage amount. Nationwide's high score is due to its excellent buying process, making it easy for consumers to secure a policy. Protective stands out for its customer satisfaction, ensuring a positive experience.
For those seeking the best cheap term life insurance in Mesquite, these companies offer top value and reliability.
| 1 | Nationwide | $18 | 93 |
| 2 | Mutual of Omaha | $19 | 91 |
| 3 | Protective | $20 | 91 |
| 4 | Transamerica | $21 | 88 |
| 5 | Prudential | $24 | 86 |
| 6 | AAA | $30 | 84 |
| 7 | Allstate | $30 | 84 |
| 8 | State Farm | $31 | 82 |
| 9 | Haven | $27 | 82 |
The average cost of term life insurance in Mesquite is $30 per month for women and $36 per month for men. Several factors influence the cost of premiums for life insurance. These include age, health, lifestyle, occupation, policy term, and coverage amount. Each of these factors can significantly impact the monthly premium you pay.
Due to various local conditions, the cost of life insurance in Mesquite might be higher or lower than in the rest of Texas. Health trends in the area, economic conditions, local risk factors, and the demographic profile of the population can all play a role.
For instance, if Mesquite has higher healthcare costs or a higher prevalence of certain health conditions, this could lead to higher premiums. Conversely, if the area has a younger, healthier population, premiums might be lower. Understanding these factors can help you make more informed decisions about your life insurance needs.
Protective has the best life insurance for men in Mesquite with a MoneyGeek score of 91. Protective stands out for its high customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Mesquite is $40. Protective offers this plan, combining affordability with excellent customer satisfaction.
Protective has the best life insurance for women in Mesquite with a MoneyGeek score of 92. Protective is noted for its high customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Mesquite is $30. Protective offers this plan, making it both affordable and reliable.
Life insurance in Mesquite may have similar providers and plans as the rest of Texas, but local factors such as demographic trends and regional economic conditions can influence premiums and coverage options. For instance, Mesquite's specific population health metrics could affect rates.
If a life insurance company goes bankrupt in Mesquite, your policy is typically protected by state guaranty associations. These associations cover claims up to certain limits, ensuring policyholders are not left without coverage.
Mesquite residents might need life insurance to provide financial security for their families, cover outstanding debts, or plan for future expenses such as college tuition or mortgage payments. Life insurance can also help with final expenses and estate planning.
To find a lost life insurance policy in Mesquite, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the Texas Department of Insurance or use online search tools provided by the National Association of Insurance Commissioners.
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.
