Best Life Insurance in Pasadena, TX (November 2024)

Based on our analysis, Protective is the best life insurance provider for both men and women in Pasadena, Texas. It has a MoneyGeek score of 92 for women with a monthly premium of $24 and a score of 91 for men with a premium of $43. 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. There are different factors to consider when deciding on what type of life insurance to buy. It's important to evaluate your financial situation, health and long-term goals before making a decision.

In Pasadena, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 91 and an average monthly premium of $43 for men and a score of 92 and an average monthly premium of $24 for women.

Top providers for men:

• Protective: MoneyGeek score of 91 out of 100 at $43 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $42 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $24 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $31 per month for women

Protective stands out for its high scores and affordability, making it the best option for the average individual seeking life insurance in Pasadena. Its competitive premiums and strong ratings across various metrics ensure reliable coverage.

In Pasadena, Protective offers the best term life insurance for women, with a MoneyGeek score of 92 and a monthly premium of $13. For men, Mutual of Omaha leads with a score of 91 and a monthly premium of $20. These companies provide dependable options for individuals looking to secure their financial future with term life insurance policies that balance cost and customer satisfaction. The winning scores reflect a combination of affordability, customer service and financial stability.

The top two term life insurance companies for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $20 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $21 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $17 per month for women

Term life insurance is a straightforward protection plan designed to offer financial security for a specific period. For example, a parent might purchase a term policy to ensure their child's education costs are covered in the event of their untimely death.

Protective provides the best whole life insurance in Pasadena, with 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 Pasadena:

• Protective: MoneyGeek score of 92 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Pasadena:

• Protective: MoneyGeek score of 92 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. Someone might choose 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 offers the best universal life insurance in Pasadena, with a MoneyGeek score of 91 for both men and women. This company offers a dependable choice for individuals aiming for a balance between cost and coverage benefits. Protective's high score suggests strong customer satisfaction, financial stability and product diversity.

Best universal life insurance for men:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best universal life insurance for women:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance is a flexible policy that combines life coverage with an investment savings element. For example, 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.

Protective offers the best life insurance without needing a medical exam for both men and women in Pasadena, 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:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

• Protective: MoneyGeek score of 91 out of 100 for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

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 might choose this insurance to ensure they are covered without the hassle of a traditional health assessment.

For men seeking the best term life insurance for seniors in Pasadena, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $84. Women find the top spot with Protective, which boasts a MoneyGeek score of 92 and a monthly premium of $55. Age plays a pivotal role in determining life insurance costs; as one ages, the likelihood of health issues increases, leading to higher premiums.

The MoneyGeek score reflects a provider's overall excellence, combining affordability, customer satisfaction, buying process, financial stability and product diversity. This comprehensive score is crucial for seniors in Pasadena who seek dependable coverage without compromising on quality or value.

For men seeking the best term life insurance for smokers in Pasadena, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $46. Women, on the other hand, will find Allstate as the top choice, scoring 89 with a $24 monthly premium.

Premiums are typically higher due to the increased health risks associated with smoking. Companies like Mutual of Omaha and Allstate achieve high MoneyGeek scores by balancing cost with exceptional service and financial stability, making them preferred options for individuals who prioritize both quality and affordability.

For the the best term life insurance for young adults in Pasadena, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $13 for men and $8 for women.

Age is a significant factor in determining life insurance premiums. Younger individuals generally benefit from lower rates due to their lower risk profile. Protective’s high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability.

For men in Pasadena, Nationwide offers the best cheap term life insurance with a MoneyGeek score of 93 and an average monthly premium of $19. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $13.

Several factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, individuals should maintain good health, avoid tobacco and choose an appropriate coverage amount and term length.

Nationwide and Protective have high MoneyGeek scores due to their strong performance in affordability, customer satisfaction, and financial stability. Choosing a top-rated company is important for those seeking the best cheap term life insurance in Pasadena, as it ensures a balance of cost and quality.

The average monthly premium for term life insurance in Pasadena is $24 for women and $38 for men. Several factors influence the cost of life insurance premiums. These include age, health, and lifestyle choices. For instance, younger individuals and those in good health typically pay lower premiums. Additionally, habits such as smoking can increase the cost of life insurance.

The cost of life insurance in Pasadena may differ from other parts of Texas for various reasons. Local economic conditions can play a role. Areas with higher living costs may see higher insurance premiums. Health statistics and risk factors in the area also impact costs. For example, if Pasadena has higher rates of certain health conditions, this could lead to higher premiums.

Understanding these factors can help consumers make informed decisions about their life insurance needs. By considering both personal and local factors, individuals can better navigate the complexities of choosing the right insurance plan.