Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Paradise, Nevada, for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $23 and $21, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors influence life insurance decisions. 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 Paradise, Nevada.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceParadise, NVBest Life Insurance Companies in Paradise
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 Paradise for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $23 and $21, respectively.
Top providers for men:
Top providers for women:
Protective stands out as the best option due to its high MoneyGeek score and affordable premiums. This makes it a reliable choice for the average individual looking to purchase life insurance in Paradise.
Protective is the best life insurance provider in Paradise for both men and women. It has a MoneyGeek score of 92 for each and offers monthly premiums of $23 for men and $21 for women. Protective is committed to affordability and customer satisfaction.
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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 offers the best term life insurance in Paradise, with a MoneyGeek score of 92 and a monthly premium of $11 for both men and women. This high score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable choice for term life insurance buyers seeking peace of mind without breaking the bank.
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 premier choice for term life insurance for men and women in Paradise, with a stellar MoneyGeek score of 92. They can secure coverage at a monthly premium of $11, ensuring peace of mind without financial strain. Protective's commitment to excellence is evident in its top rank for the state of Nevada, offering a reliable option 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 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 Paradise for both men and women, with a MoneyGeek score of 92. The company's high scores reflect strong customer satisfaction, financial stability and a diverse range of products.
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 offers the best for whole life insurance in Paradise for both men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to excellence and customer satisfaction.
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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 is the best universal life insurance provider in Paradise, with a MoneyGeek score of 91 for both men and women.
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 offers the best universal life insurance in Paradise for both men and women, with a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable option 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 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 Paradise, 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 as the best no-medical-exam life insurance provider in Paradise for both men and women, with a MoneyGeek score of 91. The company's commitment to customer satisfaction and financial stability makes it a reliable choice for those seeking life insurance without the hassle of 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 Paradise, with a MoneyGeek score of 92 for men and 91 for women. The monthly premiums are approximately $48 for men and $49 for women.
Age significantly affects life insurance premiums, as insurers consider older individuals to carry higher risk, which often increases rates. Protective's high MoneyGeek Score indicates a strong balance between affordability, customer satisfaction and financial stability, which are crucial for seniors evaluating long-term security.
| 1 | Protective | $48 | 92 |
| 2 | Mutual of Omaha | $54 | 91 |
| 3 | Nationwide | $50 | 90 |
| 4 | Allstate | $50 | 88 |
| 5 | AAA | $64 | 88 |
| 6 | Prudential | $47 | 88 |
| 7 | Transamerica | $60 | 87 |
| 8 | State Farm | $94 | 84 |
| 9 | Haven | $96 | 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.
Mutual of Omaha offers the best term life insurance for smokers in Paradise, scoring 90 for men and 89 for women. Average monthly premiums are $54 and $59, 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 score reflects its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.
| 1 | Mutual of Omaha | $54 | 90 |
| 2 | Nationwide | $58 | 89 |
| 3 | Protective | $74 | 88 |
| 4 | Prudential | $43 | 88 |
| 5 | Transamerica | $53 | 87 |
| 6 | State Farm | $70 | 86 |
| 7 | AAA | $96 | 85 |
| 8 | Allstate | $83 | 84 |
| 9 | Haven | $91 | 83 |
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.
Protective offers the best term life insurance for young adults in Paradise for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $7.
Age significantly impacts life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high MoneyGeek score is due to its affordability, strong customer satisfaction and financial stability.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $8 | 91 |
| 3 | Nationwide | $9 | 89 |
| 4 | AAA | $10 | 88 |
| 5 | Allstate | $8 | 88 |
| 6 | Transamerica | $9 | 87 |
| 7 | Prudential | $9 | 86 |
| 8 | Haven | $10 | 85 |
| 9 | State Farm | $16 | 84 |
| 10 | Bestow | $15 | 84 |
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.
Protective offers the best cheap term life insurance in Paradise for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $11. Protective excels in affordability, customer satisfaction and financial stability, making it the top choice for anyone looking for the best cheap term life insurance in Paradise.
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 | $11 | 92 |
| 2 | Nationwide | $14 | 91 |
| 3 | Mutual of Omaha | $13 | 90 |
| 4 | Allstate | $13 | 89 |
| 5 | Transamerica | $14 | 88 |
| 6 | AAA | $16 | 88 |
| 7 | Prudential | $14 | 88 |
| 8 | Haven | $18 | 84 |
| 9 | State Farm | $25 | 82 |
In Paradise, the average monthly premium for term life insurance is $20 for women and $22 for men.
Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation and the amount of coverage. Understanding these factors can help you make informed decisions about your life insurance needs.
The cost of life insurance in Paradise might be higher or lower compared to the rest of Nevada for several reasons. Local health statistics, risk factors, and economic conditions can all play a role. Additionally, the level of competition among insurance providers in the area can impact premium costs.
When considering life insurance, it's important to evaluate your personal circumstances and compare quotes from multiple providers. This can help you find the best coverage at a price that fits your budget.
Protective has the best life insurance in Paradise for men, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for men in Paradise is $23. This rate is offered by Protective, which also has the highest MoneyGeek score for men in the area.
Protective is the top company for life insurance in Paradise for women, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for women in Paradise is $21. Protective offers this rate and has the highest MoneyGeek score for women in the area.
Life insurance in Paradise is unique in its competitive pricing and high satisfaction scores. For example, Protective offers premiums of $21 for women and $23 for men, which are competitive rates. The company also ranks highest in customer satisfaction and financial stability, making it a standout choice in the state.
If a life insurance company goes bankrupt in Paradise, policyholders are typically protected by state guaranty associations. These associations ensure that claims are paid up to certain limits. It's essential to check the specific coverage limits and protections provided by Nevada's guaranty association.
Residents of Paradise might need life insurance to ensure financial security for their families. Life insurance can cover funeral costs, pay off debts, and provide a financial cushion for dependents. It is particularly important for those with mortgages, children or other financial obligations.
To find a lost life insurance policy in Paradise, start by checking through personal records and contacting the deceased's financial advisors or employers. You can also reach out to the Nevada Department of Insurance, which may assist in locating the policy. Additionally, online tools and databases can help in the search.
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.
