Updated: November 22, 2024
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Based on MoneyGeek scores, Protective is the best life insurance company in Pearland, Texas, for both men and women. The MoneyGeek score for women is 92, with an average monthly premium of $49. For men, the MoneyGeek score is 91, with a monthly premium of $70.
These scores and premium costs are based on a 20-year term policy with $500,000 coverage. It's important to consider different factors when deciding on life insurance, as 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 Pearland, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsurancePearland, TXBest Life Insurance Companies in Pearland
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 Pearland for both men and women, with a MoneyGeek score of 91 for men at $70 per month and 92 for women at $49 per month.
Top providers for men:
Top providers for women:
Protective stands out due to its high MoneyGeek scores and competitive premiums. This makes it a strong choice for the average individual looking to purchase life insurance in Pearland.
In Pearland, Protective emerges as the premier choice for life insurance, catering to both men and women. With a MoneyGeek score of 92 for women and 91 for men, Protective stands out for its competitive monthly premiums of $49 for women and $70 for men. This company has demonstrated excellence in customer satisfaction and financial stability, making it a reliable option for life insurance coverage. Here are the pros and cons of Protective's offerings in Pearland:
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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.
In Pearland, Protective stands out as the best term life insurance provider for women with a MoneyGeek score of 92 and a monthly premium of $27, while Mutual of Omaha leads for men with a score of 91 and a monthly premium of $34. These companies offer the highest scores in their respective categories, indicating strong customer satisfaction and financial stability. The top two companies for each gender are as follows:
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides a death benefit to beneficiaries if the insured passes away within a specified term. It's an affordable option for those who need coverage for a certain period, such as until their children are financially independent. For more details on securing the best term life insurance, visit MoneyGeek's comprehensive guide.
Mutual of Omaha stands out in Pearland as the top choice for men seeking term life insurance, with a MoneyGeek score of 91. For a monthly premium of $34, policyholders can expect a balance of cost and quality coverage. Here's a quick glance at what makes Mutual of Omaha a preferred provider, as well as areas where they have room for improvement.
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With a stellar MoneyGeek score of 92, Protective stands out as the leading provider of term life insurance for women in Pearland. At a rounded monthly premium of $27, it's a financially sound choice for securing peace of mind.
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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, 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.
Top whole life companies for men in Pearland:
Top whole life companies for women in Pearland:
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.
In Pearland, Protective stands out as the best choice for whole life insurance for both men and women, boasting MoneyGeek scores of 92 across the board. The company's commitment to customer satisfaction and strong financial stability makes it a reliable choice for insurance seekers. Here's what to consider when choosing Protective for your insurance needs.
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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 Pearland, Protective offers the best universal life insurance, 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, which are critical factors for anyone considering universal life insurance.
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. 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 stands out as the best provider of universal life insurance in Pearland for both men and women, with an impressive MoneyGeek score of 91 for each. This score reflects the company's commitment to customer satisfaction and financial stability, making it 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 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 provides the best life insurance without a medical exam for both men and women in Pearland, 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.
Protective emerges as the top choice for life insurance that does not require a medical exam in Pearland, catering to both men and women with a consistent MoneyGeek score of 91. This company stands out for its 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 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 seniors in Pearland seeking the best term life insurance for seniors, Mutual of Omaha stands out for men with a MoneyGeek Score of 91 and a monthly premium of $138. Women find the top service with Protective, scoring 92 and a monthly cost of $114.
As seniors age, life insurance premiums typically rise, reflecting the increased risk insurers take on. These top companies demonstrate a strong balance between affordability, customer satisfaction and financial stability, which is crucial for individuals seeking reliable coverage in their later years.
| 1 | Mutual of Omaha | $138 | 91 |
| 2 | Nationwide | $114 | 91 |
| 3 | Protective | $149 | 90 |
| 4 | Prudential | $137 | 86 |
| 5 | Transamerica | $157 | 86 |
| 6 | Allstate | $185 | 86 |
| 7 | AAA | $217 | 85 |
| 8 | State Farm | $206 | 85 |
| 9 | Haven | $252 | 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.
For those seeking the best term life insurance for smokers in Pearland, Mutual of Omaha stands out with the highest MoneyGeek score of 91 for men and an average monthly premium of $76, while Allstate is best for women with a score of 89 and premium of $50.
Smoking significantly influences life insurance premiums due to the associated health risks. Insurers often charge smokers higher rates to offset the potential cost of claims stemming from smoking-related illnesses. Mutual of Omaha's high MoneyGeek score reflects its strong customer satisfaction, financial stability, and product diversity, making it a noteworthy choice for smokers in Pearland who prioritize these factors in their insurance provider.
| 1 | Mutual of Omaha | $76 | 91 |
| 2 | Nationwide | $70 | 90 |
| 3 | Allstate | $68 | 88 |
| 4 | Transamerica | $69 | 88 |
| 5 | Protective | $106 | 88 |
| 6 | Prudential | $64 | 88 |
| 7 | State Farm | $100 | 85 |
| 8 | AAA | $123 | 85 |
| 9 | Haven | $123 | 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 those seeking the best term life insurance for young adults in Pearland, Protective stands out as the top provider for both men and women. With a MoneyGeek score of 92 and a monthly premium of $16 for women and $21 for men, Protective offers excellent value.
Younger individuals generally benefit from lower premiums due to their lower risk of health issues. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it a reliable choice for young adults in Pearland.
| 1 | Protective | $21 | 92 |
| 2 | Mutual of Omaha | $21 | 91 |
| 3 | Nationwide | $20 | 91 |
| 4 | Transamerica | $23 | 87 |
| 5 | AAA | $33 | 85 |
| 6 | Prudential | $28 | 85 |
| 7 | State Farm | $35 | 85 |
| 8 | Allstate | $34 | 85 |
| 9 | Haven | $27 | 84 |
| 10 | Bestow | $37 | 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 the best cheap term life insurance for women in Pearland, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $27. Nationwide is the top choice for men for cheap term insurance, with a score of 93 and a premium of $31.
To get the lowest premiums, maintain a healthy lifestyle, choose a suitable coverage amount, and compare different providers. Protective's high scores in affordability, customer satisfaction, and financial stability make it the top choice for term life insurance in Pearland.
| 1 | Nationwide | $31 | 93 |
| 2 | Mutual of Omaha | $34 | 91 |
| 3 | Protective | $35 | 91 |
| 4 | Transamerica | $37 | 88 |
| 5 | Prudential | $41 | 86 |
| 6 | AAA | $53 | 84 |
| 7 | Allstate | $53 | 84 |
| 8 | State Farm | $54 | 82 |
| 9 | Haven | $48 | 82 |
The average monthly premium for term life insurance in Pearland is $50 for women and $63 for men.Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, and the amount of coverage. Each of these factors can influence the premium you pay. For instance, younger individuals and those in good health typically pay lower premiums.
In Pearland, the cost of life insurance might be higher or lower compared to the rest of Texas for several reasons. Local health statistics, economic factors, and regional risk factors can all play a role.
For example, if Pearland has higher average health care costs or a higher rate of certain health conditions, this could lead to higher premiums. Conversely, if the area has lower risks or better health outcomes, premiums might be lower. Understanding these factors can help you make informed decisions when purchasing life insurance.
Protective offers the best life insurance for men in Pearland, with a MoneyGeek score of 91. This score reflects the company's strong performance in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for men in Pearland, offered by Protective, is $70. This cost is based on a policy for a non-tobacco user aged 31 to 40 with excellent health.
Protective offers the best life insurance for women in Pearland, with a MoneyGeek score of 92. This score highlights the company's strengths in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for women in Pearland, provided by Protective, is $49. This cost is based on a policy for a non-tobacco user aged 31 to 40 with excellent health.
Life insurance in Pearland is similar to the rest of Texas in terms of available options and pricing. Companies like Protective offer competitive rates and strong customer satisfaction. However, local factors such as the cost of living and regional health trends may slightly influence premiums.
If a life insurance company goes bankrupt in Pearland, state guaranty associations may step in to cover existing policies. These associations provide a safety net, ensuring policyholders are protected up to certain limits. It's important to check the specific coverage limits for Texas.
Pearland residents might need life insurance to provide financial security for their families, cover debts, and ensure future expenses are managed. Life insurance can help cover mortgage payments, children's education costs, and other financial obligations, offering peace of mind.
To find a lost life insurance policy in Pearland, start by checking with the insurance company directly. Use online databases like the National Association of Insurance Commissioners' Life Insurance Policy Locator. Contacting the Texas Department of Insurance can also help in locating a missing policy.
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.
