For men, the top life insurance provider is Nationwide with a MoneyGeek score of 97 and a monthly premium of $16. For women, GEICO leads the rankings with a MoneyGeek score of 96 and a monthly premium of $13. When choosing life insurance, consider factors such as the type of policy, coverage amount and the insurer's stability.
Best Life Insurance in Missouri (November 2024)
For men, Nationwide is the best life insurance company with a score of 97, while for women, GEICO has the top score of 96.
Updated: November 22, 2024
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Best Life Insurance Companies in Missouri
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 Missouri.
Coverage costs and company information for life insurance providers were updated in May 2024.
Best Life Insurance in Missouri: Summary
- Best Whole Life Insurance
- Best Universal Life Insurance
- Best Cheap Life Insurance
- Best Life Insurance Overall
- Best Term Life Insurance
- Best Term Life Insurance for Smokers
- Best Term Life Insurance for Young Adults
- Best Term Life Insurance for Seniors
- Best No Medical Exam Life Insurance
- F
- M
Nationwide | 1 | 97 |
GEICO | 2 | 97 |
Mutual of Omaha | 3 | 95 |
State Farm | 4 | 94 |
Protective | 5 | 94 |
Haven | 6 | 92 |
Allstate | 7 | 92 |
Transamerica | 8 | 92 |
Prudential | 9 | 91 |
AAA | 10 | 89 |
Overall Best Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies in Missouri:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Nationwide offers the best life insurance in Missouri for men with a MoneyGeek score of 97 and a monthly premium of $16. For women, GEICO leads with a MoneyGeek score of 96 and a monthly premium of $13.
- Nationwide: MoneyGeek score of 97 out of 100 ($16 per month for men; $16 per month for women )
- GEICO: MoneyGeek score of 96 out of 100 ($13 per month for men; $13 per month for women)
- Mutual of Omaha: MoneyGeek score of 95 out of 100 ($18 per month for men; $12 per month for women)
Best for Men: Nationwide
COMPANY HIGHLIGHTS
Nationwide is the top-ranked company for the best life insurance in Missouri for men, with an overall MoneyGeek score of 97. With a monthly premium of just $16, Nationwide provides a unique blend of affordability, comprehensive coverage and customer satisfaction.
Pros:
- High customer satisfaction
- Competitive rates make insurance affordable
- Offers a variety of products to meet diverse needs
Best for Women: GEICO
COMPANY HIGHLIGHTS
As a leader in providing life insurance, GEICO's MoneyGeek score of 96, coupled with a monthly premium of just $13, illustrates its dedication to affordability and quality service.
Pros:
- High customer satisfaction
- Notable affordability
- Solid financial stability
Cons:
- Limited product diversity
Best Term Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Missouri:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Costs are based on quotes gathered for a $250,000 life insurance policy with a 10-year term.
Nationwide offers the best term life insurance in Missouri for both men and women, with a MoneyGeek score of 96 for men and 97 for women. The average monthly premium for men is $13, and for women, it's $12.
Here are the providers with the top three highest scores:
- Nationwide: MoneyGeek score of 97 out of 100 ($13 per month for men; $12 per month for women)
- GEICO: MoneyGeek score of 97 out of 100 ($13 per month for men; $10 per month for women)
- Mutual of Omaha: MoneyGeek score of 95 out of 100 ($18 per month for men; $15 per month for women)
These scores indicate that Nationwide and GEICO offer excellent value for those looking for reliable term life insurance coverage in the state, whether you are a man or a woman.
Best Term Life: Nationwide
COMPANY HIGHLIGHTS
Nationwide offers the best term life insurance in Missouri for both men and women, with a MoneyGeek score of 97. With a budget-friendly monthly premium of approximately $12, Nationwide offers customer satisfaction and reliable coverage options.
Pros:
- High customer satisfaction
- Competitive pricing
- Broad range of product options
Best Whole Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies in Missouri:
- Financial Stability: 35%
- Customer Satisfaction: 30%
- Buying Process: 15%
- Product Diversity: 20%
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 is the top provider of the best whole life insurance in Missouri for both men and women, with a MoneyGeek score of 99.
Discover the leading insurance providers with the highest MoneyGeek scores:
- State Farm: MoneyGeek score of 99 out of 100
- Nationwide: MoneyGeek score of 98 out of 100
- Mutual of Omaha: MoneyGeek score of 96 out of 100
Best Whole Life: State Farm
COMPANY HIGHLIGHTS
State Farm is the premier choice for the best whole life insurance in Missouri for both men and women. With a MoneyGeek Score of 99, the company assures unparalleled service and a diverse range of products tailored to meet clients' needs.
Pros:
- Exceptional customer satisfaction
- Diverse insurance product options
- Simplified buying process
Compare Life Insurance Rates
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.
Best Universal Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies in Missouri:
- Financial Stability: 25%
- Customer Satisfaction: 25%
- Buying Process: 25%
- Product Diversity: 25%
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 offers the best universal life insurance. in Missouri for both men and women, with a MoneyGeek score of 99.
Top three highest MoneyGeek scores:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 98 out of 100
- Mutual of Omaha: MoneyGeek score of 97 out of 100
Best Universal Life: Nationwide
COMPANY HIGHLIGHTS
Nationwide is the best provider in the universal life insurance market for both men and women in Missouri, having an overall MoneyGeek score of 99. The company's dedication to quality and comprehensive coverage options make it the optimal choice.
Pros:
- Exceptional customer satisfaction
- Competitive affordability
- Diverse product offerings
Best No-Medical-Exam Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best no-medical-exam life insurance companies in Missouri:
- Financial Stability: 20%
- Customer Satisfaction: 25%
- Buying Process: 20%
- Product Diversity: 35%
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 the premier provider of the best no-medical-exam life insurance in Missouri, with a MoneyGeek score of 99 for both men and women. We highlight the top three insurers with the highest MoneyGeek scores:
- Nationwide: MoneyGeek score of 99 out of 100
- State Farm: MoneyGeek score of 99 out of 100
- Mutual of Omaha: MoneyGeek score of 97 out of 100
Best No-Medical-Exam: Nationwide
COMPANY HIGHLIGHTS
Nationwide stands out as the leading provider of no medical exam life insurance in Missouri for both men and women. With its high MoneyGeek score of 99, the company exemplifies reliability and value, ensuring a streamlined experience for policy seekers.
Pros:
- Excellent customer satisfaction
- Competitive pricing options
- Diverse range of products
Recommended Life Insurance Coverage Amount:
Best Term Life Insurance for Seniors in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors in Missouri:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the profile of the quote was adjusted to reflect an age of 70 for a more accurate estimate.
Nationwide is the provider of the best term life insurance for seniors in Missouri, holding the top spot for both men and women. With a MoneyGeek score of 98 for women and 97 for men, Nationwide offers policies at a monthly premium cost of $45 for women and $48 for men. The company's score is largely influenced by excellent customer satisfaction and a strong track record of stability.
- M
- F
Nationwide | 1 | $48 | 97 |
GEICO | 2 | $40 | 97 |
Mutual of Omaha | 3 | $49 | 96 |
State Farm | 4 | $86 | 93 |
Allstate | 5 | $47 | 93 |
Protective | 6 | $57 | 93 |
Prudential | 7 | $60 | 92 |
Transamerica | 8 | $58 | 92 |
AAA | 9 | $88 | 90 |
Haven | 10 | $91 | 89 |
Best Term Life Insurance for Smokers in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Missouri for people who smoke:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the quote was adjusted to reflect an active smoker for a more accurate estimate.
GEICO is the leading provider of the best term life insurance for smokers in Missouri, earning the highest MoneyGeek score for men at 96, with a monthly premium of $24. Transamerica leads for women with a score of 94 and a monthly premium of $16. These top companies distinguish themselves through their competitive premium costs and strong satisfaction ratings.
- F
- M
GEICO | 1 | $24 | 96 |
Nationwide | 2 | $32 | 96 |
Mutual of Omaha | 3 | $27 | 96 |
Allstate | 4 | $21 | 94 |
State Farm | 5 | $37 | 94 |
Prudential | 6 | $27 | 94 |
Transamerica | 7 | $24 | 94 |
Protective | 8 | $39 | 90 |
Haven | 9 | $46 | 90 |
AAA | 10 | $48 | 89 |
Best Term Life Insurance for Young Adults in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies in Missouri for young adults:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the quote was adjusted to reflect a person who was age 20 for a more accurate estimate.
Nationwide offers the best term life insurance for young adults in Missouri. With a MoneyGeek score of 97 for men and 98 for women, Nationwide secures the leading position. Men can expect a monthly premium of $9, while women are offered a slightly lower rate at $8. Nationwide has superior satisfaction, affordability and comprehensive process scores.
- F
- M
Nationwide | 1 | $9 | 97 |
GEICO | 2 | $6 | 97 |
Mutual of Omaha | 3 | $8 | 96 |
Protective | 4 | $8 | 94 |
State Farm | 5 | $15 | 94 |
Haven | 6 | $10 | 93 |
Transamerica | 7 | $9 | 93 |
Allstate | 8 | $9 | 93 |
Prudential | 9 | $12 | 92 |
AAA | 10 | $13 | 92 |
Bestow | 11 | $21 | 89 |
Best Cheap Term Life Insurance in Missouri
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies in Missouri:
- Affordability: 50%
- Financial Stability: 15%
- Buying Process: 20%
- Customer Satisfaction: 5%
- Product Diversity: 10%
The same weighting factors were applied as the term life insurance category; however, the quote was adjusted to reflect a 10-year term with minimum coverage.
GEICO has the best cheap term life insurance in Missouri for men, with a MoneyGeek score of 97 and a monthly premium cost of $10. Transamerica takes the lead for women, offering a MoneyGeek score of 97 and a monthly premium of $10. Both companies have earned their top spots by providing affordable rates and strong financial reliability, making them prominent options for those prioritizing cost-efficiency and company stability when searching for the best cheap term life insurance.
- M
- F
GEICO | $10 | 97 |
Nationwide | $13 | 96 |
Mutual of Omaha | $12 | 96 |
Allstate | $13 | 93 |
Transamerica | $14 | 93 |
Protective | $13 | 93 |
State Farm | $23 | 89 |
Haven | $17 | 88 |
Prudential | $18 | 88 |
AAA | $21 | 88 |
Average Cost of Term Life Insurance in Missouri
The average cost of monthly premiums for life insurance in Missouri amounts to $31 for women and $41 for men. These figures represent the average monthly premium for a life insurance policy. Factors influencing the average cost of life insurance include age, health status, coverage amount, policy type and lifestyle. Insurers assess these criteria to determine risk and calculate premiums accordingly.
FAQ: Life Insurance in Missouri
The top-rated life insurance company in Missouri for men is Nationwide.
The cost of life insurance for men in Missouri can be influenced by several factors, including age, health history and coverage amount. The best life insurance option in Missouri for men offers a competitive average monthly premium of $16.
The best life insurance in Missouri for women is offered by GEICO.
Factors influencing life insurance pricing in Missouri include age, health and coverage amount. GEICO leads with a competitive monthly premium of $13 for women.
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.