Updated: November 22, 2024
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In San Angelo, Texas, Protective is the top life insurance provider for both men and women. For women, the MoneyGeek score is 92 with an average monthly premium of $26. For men, the MoneyGeek score is 91 with a monthly premium of $41.
When deciding on life insurance, consider factors like term length, coverage amount, and personal needs. 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.
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 San Angelo, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceSan Angelo, TXBest Life Insurance Companies in San Angelo
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 San Angelo for both men and women, with a MoneyGeek score of 92 and a monthly premium of $26 for women and a score of 91 and a monthly premium of $41 for men.
Top providers for men:
Top providers for women:
Protective stands out as the best option for life insurance in San Angelo due to its high MoneyGeek scores for both men and women. This indicates strong overall performance in affordability, customer satisfaction, and financial stability, making it a reliable choice for the average individual.
In San Angelo, Protective stands out as the premier life insurance provider for both men and women. With a MoneyGeek score of 92 for women and 91 for men, Protective offers monthly premiums of $26 for women and $41 for men, ensuring affordability and satisfaction across the board.
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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.
The Protective offers the best term life insurance. in San Angelo for both men and women, with a MoneyGeek score of 91 and an average monthly premium of $20 for men, and a score of 92 at $14 for women. This provider stands out for its balance of affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable term life insurance coverage. Here are the top two providers for each gender based on MoneyGeek scores:
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy where coverage is provided for a specific term or period. For example, a parent might purchase a 20-year term life insurance policy to ensure that their child's education costs are covered in the event of the parent's untimely death.
For men seeking term life insurance in San Angelo, Mutual of Omaha emerges as the leading provider, with a MoneyGeek score of 91. The company offers a monthly premium at an approximate cost of $20, ensuring both quality and affordability. Customers can expect a satisfactory experience backed by a high customer satisfaction rating and financial stability that instills confidence in their choice.
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For women in San Angelo seeking reliable term life insurance, Protective emerges as the premier choice with a MoneyGeek score of 92. The monthly premium is a manageable $14, making it an attractive option for budget-conscious individuals. Here's a closer look at what sets Protective apart and where it has room for improvement.
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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 San Angelo, with a MoneyGeek score of 92 for both men and women. This score suggests that Protective offers a well-suited blend of affordability, customer satisfaction and financial stability for the average individual.
Top whole life companies for men in San Angelo:
Top whole life companies for women in San Angelo:
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.
Protective emerges as the leading provider of whole life insurance in San Angelo for both men and women, boasting a MoneyGeek score of 92. This score reflects the company's commitment to customer satisfaction and financial strength.
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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 San Angelo, Protective offers the best universal life insurance, with a MoneyGeek score of 91 for both men and women. It 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.
In San Angelo, Protective stands out as the premier choice for universal life insurance for both men and women. With an overall MoneyGeek score of 91 for each group, Protective demonstrates a strong commitment to customer satisfaction and value. Consumers can trust in their choice with Protective's proven track record.
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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 women and men in San Angelo, 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 stands out as the premier choice for life insurance that doesn't need a medical exam in San Angelo, catering to both men and women. With an impressive MoneyGeek score of 91 for both genders, Protective demonstrates a commitment to excellence in affordability and customer satisfaction. Clients can expect reliable coverage tailored to their needs 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.
Mutual of Omaha offers the best term life insurance for seniors in San Angelo for men, with a MoneyGeek score of 91 and an average monthly premium of $81. For women, Protective leads with a score of 92 and a monthly premium of $61. Age influences life insurance premiums, with costs generally increasing as one gets older. This is due to the higher risk associated with insuring older individuals.
The high MoneyGeek scores for Mutual of Omaha and Protective reflect their strong performance across various metrics, including affordability, customer satisfaction, the buying process, financial stability, and product diversity. These scores are crucial for seniors in San Angelo looking for the best term life insurance for seniors.
| 1 | Mutual of Omaha | $81 | 91 |
| 2 | Nationwide | $67 | 91 |
| 3 | Protective | $88 | 90 |
| 4 | Prudential | $81 | 86 |
| 5 | Transamerica | $93 | 86 |
| 6 | Allstate | $110 | 86 |
| 7 | AAA | $128 | 85 |
| 8 | State Farm | $122 | 85 |
| 9 | Haven | $149 | 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 San Angelo, Mutual of Omaha stands out with the highest MoneyGeek score of 91 for men and an average monthly premium of $45, Allstate is the best option for women who smoke with a score of 89 and monthly premium of $27. 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 San Angelo who prioritize these factors in their insurance provider.
| 1 | Mutual of Omaha | $45 | 91 |
| 2 | Nationwide | $42 | 90 |
| 3 | Allstate | $40 | 88 |
| 4 | Transamerica | $41 | 88 |
| 5 | Protective | $63 | 88 |
| 6 | Prudential | $38 | 88 |
| 7 | State Farm | $59 | 85 |
| 8 | AAA | $73 | 85 |
| 9 | Haven | $72 | 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 San Angelo, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $9 for women and $13 for men.
Age significantly impacts life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high MoneyGeek score reflects its affordability, customer satisfaction, and financial stability, making it a top choice for young adults in San Angelo.
| 1 | Protective | $13 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $14 | 87 |
| 5 | AAA | $19 | 85 |
| 6 | Prudential | $16 | 85 |
| 7 | State Farm | $21 | 85 |
| 8 | Allstate | $20 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 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 in San Angelo, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $18, while Protective leads for women with a MoneyGeek score of 92 and a monthly premium of $14. Factors influencing life insurance premiums include age, health, coverage amount and term length.
Nationwide's high score is due to its excellent buying process and financial stability, making it a strong choice for men seeking affordable term life insurance. Protective's high score for women is attributed to its affordability and customer satisfaction, making it a reliable option for women looking for the best cheap term life insurance in San Angelo.
| 1 | Nationwide | $18 | 93 |
| 2 | Mutual of Omaha | $20 | 91 |
| 3 | Protective | $20 | 91 |
| 4 | Transamerica | $22 | 88 |
| 5 | Prudential | $24 | 86 |
| 6 | AAA | $31 | 84 |
| 7 | Allstate | $31 | 84 |
| 8 | State Farm | $32 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly cost of term life insurance in San Angelo is $29 for men and $24 for women. Many factors influence life insurance premiums, including age, health, lifestyle, occupation, the amount of coverage and the length of the term. Insurers assess these factors to determine the risk associated with providing coverage.
Life insurance costs in San Angelo may differ from the rest of Texas due to various local factors. Health trends, economic conditions, and specific risk factors unique to the area can impact premium costs. Additionally, competition among insurers in San Angelo can affect pricing, leading to variations compared to other regions in the state.
Protective offers the best life insurance in San Angelo for men, with a MoneyGeek score of 91. The company's policies are highly rated for affordability and customer satisfaction.
The monthly premium cost for the best life insurance for men in San Angelo, offered by Protective, is $41.
Protective has the best life insurance in San Angelo for women, with a MoneyGeek score of 92. The company's policies are known for their affordability and high customer satisfaction ratings.
The monthly premium cost for the best life insurance for women in San Angelo, offered by Protective, is $26.
Life insurance in San Angelo is similar to the rest of Texas in terms of policy offerings and costs. However, local economic conditions and demographics can influence premium rates and availability. For example, the cost of living and average income in San Angelo may affect the affordability scores of life insurance policies.
If a life insurance company goes bankrupt in San Angelo, policies are typically protected by state guaranty associations. These associations provide coverage up to certain limits, ensuring that policyholders continue to receive benefits. It's important to check the specific coverage limits and protections offered by the Texas Life and Health Insurance Guaranty Association.
San Angelo residents might need life insurance for several reasons, including providing financial security for their families, covering outstanding debts, and ensuring peace of mind. Life insurance can help cover funeral expenses, replace lost income, and support dependents in case of an untimely death.
To find a lost life insurance policy in San Angelo, check with the insurer, contact the Texas Department of Insurance, or use online search tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator. It's also helpful to review personal records and financial documents for any clues.
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.
