Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Omaha, Nebraska, for both men and women. With a MoneyGeek score of 92, Protective offers an average monthly premium of $26 for men and $22 for women. for women and $26 for men. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider different factors like your health, age and financial goals. 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 Omaha, Nebraska.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceOmaha, NEBest Life Insurance Companies in Omaha
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.
Protective offers the best life insurance in Omaha for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $26 and $22, respectively.
Top providers for men:
Top providers for women:
Protective stands out due to its affordability, high customer satisfaction and overall value.
Protective is the best life insurance company in Omaha for both men and women, boasting a MoneyGeek score of 92. It offers a monthly premium of $22 for women and $26 for men, making it a competitive option for quality coverage.
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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 is the provider of the best term life insurance in Omaha for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $12 for men and $11 for women. Protective offers a superior balance of affordability, customer satisfaction, financial stability and product diversity.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
Protective is the best choice for term life insurance for men and women in Omaha, with a MoneyGeek score of 92. With a monthly premium of $12 and $11, respectively. Protective stands out due to its blend of value and quality.
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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 offers the best whole life insurance in Omaha for both men and women, with a MoneyGeek score of 92.
Whole life insurance provides 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 can be borrowed against in the future.
Protective is the leading provider of whole life insurance in Omaha for both men and women, with a MoneyGeek score of 92 for each. This score reflects the company's commitment to satisfying customer needs and offering value through its services.
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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.
Protective offers the best universal life insurance in Omaha, with a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it an excellent choice for individuals seeking a reliable universal life insurance policy.
Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies.
Protective is the best choice for men and women seeking universal life insurance in Omaha, with a MoneyGeek score of 91 for each. The company's high scores in customer satisfaction and affordability make it a standout in the insurance market.
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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.
In Omaha, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective stands out for its commitment to customer satisfaction and affordable premiums for both men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.
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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.
Protective offers the best term life insurance for seniors in Omaha. It has a MoneyGeek score of 92 for both men and women and average monthly premiums of $53 and $48, respectively.
Age impacts life insurance premiums, as insurers consider the increased health risks associated with age. Protective's top scores reflect its commitment to customer satisfaction, a streamlined buying process and financial stability.
| 1 | Protective | $53 | 92 |
| 2 | Mutual of Omaha | $55 | 91 |
| 3 | Nationwide | $54 | 90 |
| 4 | AAA | $67 | 88 |
| 5 | Transamerica | $52 | 88 |
| 6 | Allstate | $65 | 87 |
| 7 | Prudential | $69 | 86 |
| 8 | State Farm | $89 | 85 |
| 9 | Haven | $105 | 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.
The Mutual of Omaha offers the best term life insurance for smokers in Omaha, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $31 and $28, 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's top scores reflect its strong customer satisfaction, financial stability and product diversity, making it a leading choice for smokers seeking term life coverage.
| 1 | Mutual of Omaha | $31 | 91 |
| 2 | Allstate | $28 | 89 |
| 3 | Nationwide | $38 | 88 |
| 4 | Transamerica | $28 | 88 |
| 5 | AAA | $37 | 88 |
| 6 | Protective | $49 | 87 |
| 7 | Prudential | $30 | 87 |
| 8 | State Farm | $44 | 85 |
| 9 | Haven | $56 | 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 Omaha, Protective stands out with a MoneyGeek score of 92 for both men and women and average monthly premiums of $8 and $7, respectively.
Age influences life insurance premiums; younger individuals often enjoy lower premiums due to fewer health risks. Protective's high score is attributed to its affordability, customer satisfaction and financial stability. This makes it a strong option for young adults seeking reliable term life insurance in Omaha.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $8 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | AAA | $10 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | Allstate | $12 | 87 |
| 7 | State Farm | $15 | 86 |
| 8 | Haven | $12 | 85 |
| 9 | Prudential | $14 | 85 |
| 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.
If you're looking for the best cheap term life insurance in Omaha, Protective tops the list for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $12 and $11, respectively. Protective stands out due to its affordability, high customer satisfaction and solid financial stability.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $14 | 91 |
| 3 | Nationwide | $15 | 90 |
| 4 | Transamerica | $12 | 90 |
| 5 | AAA | $16 | 88 |
| 6 | Allstate | $18 | 85 |
| 7 | Prudential | $21 | 83 |
| 8 | State Farm | $24 | 82 |
| 9 | Haven | $20 | 82 |
The average monthly premium for term life insurance in Omaha is $22 for women and $26 for men.
These costs are influenced by several factors, including age, health, lifestyle and the amount of coverage desired. Additionally, local economic conditions, healthcare accessibility and the overall risk profile of the Omaha population can impact insurance premiums.
Omaha's urban environment may contribute to different risk factors and cost structures compared to the rest of Nebraska. Understanding these elements can help consumers make informed decisions about their life insurance needs.
Protective has the best life insurance in Omaha for men, with a MOneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for men in Omaha is $26. This cost is based on the company's affordability and coverage options for a 20-year term.
Protective offers the best life insurance in Omaha for women, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for women in Omaha is $22. This premium is calculated based on the company's affordability and coverage for a 20-year term.
Life insurance in Omaha may offer more competitive rates and better customer service compared to the rest of Nebraska. Protective ranks highest in Omaha, providing excellent affordability and financial stability. This may not be the case in other cities within Nebraska, where different companies may dominate the market.
If a life insurance company goes bankrupt in Omaha, state guaranty associations typically protect policyholders. These associations ensure that your policy remains in force or is transferred to another insurer, safeguarding your coverage.
Omaha residents may need life insurance for various reasons, including providing financial security for their families, covering debts, and ensuring that their loved ones are not burdened with final expenses. Life insurance can also be used to leave a legacy or contribute to charitable causes.
To find a lost life insurance policy in Omaha, start by contacting the insurance company directly. If that doesn't work, reach out to the Nebraska Department of Insurance for assistance. They can help you locate the policy using their resources and databases.
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.
