Updated: November 21, 2024
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Protective is the best life insurance company in San Antonio, Texas, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average premium of $29 per month.
Different factors influence life insurance decisions, and 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 Antonio, Texas.
Coverage costs and company information for life insurance providers were updated in August 2024.
BestLife InsuranceSan Antonio, TXBest Life Insurance Companies in San Antonio
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 Antonio for both men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $29 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in San Antonio.
Protective is the best life insurance company in San Antonio for both men and women, offering a strong combination of value and service. With a MoneyGeek Score of 92 for women and 91 for men, Protective provides affordable monthly premiums at $29 for women and $37 for men. Customers can rely on Protective's highly-rated customer satisfaction and financial stability to meet their life insurance needs.
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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.
For men seeking the best term life insurance in San Antonio, Mutual of Omaha stands out with a MoneyGeek score of 91, averaging $18 per month. Women fare best with Protective, scoring a 92 at $16 per month. These companies offer competitive premiums and high customer satisfaction, making them a smart choice for individuals prioritizing financial stability and value in a term life insurance policy.
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.
Mutual of Omaha stands out with a MoneyGeek score of 91 for men in San Antonio seeking reliable term life insurance. The company offers policies at an affordable average monthly rate of $18, making it a wise choice for financial protection.
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Protective stands out as the best term life insurance provider in San Antonio for women, with a MoneyGeek score of 92 and an average monthly premium of $16, combining affordability with comprehensive coverage.
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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 is the best whole life insurance provider in San Antonio for both men and women, with a MoneyGeek score of 92 for each. This score reflects the company's strong performance across affordability, customer satisfaction, buying process and financial stability, making it an excellent choice for individuals seeking reliable and comprehensive coverage.
Top whole life companies for men in San Antonio:
Top whole life companies for women in San Antonio:
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 top choice for whole life insurance in San Antonio for both men and women, with an overall MoneyGeek Score of 92 for each. This score reflects a balance of affordability and customer satisfaction that Protective offers to its policyholders.
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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 San Antonio, with a MoneyGeek score of 91 for both men and women. The top two providers, based on MoneyGeek scores, are as follows.
Best universal life insurance for men:
Best for women's universal life insurance:
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 our pick for the leading provider of universal life insurance in San Antonio, offering top-tier services for both men and women. With a MoneyGeek score of 91 for both, Protective 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 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 San Antonio, 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.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
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.
For older men in San Antonio seeking the best term life insurance for seniors in San Antonio, Mutual of Omaha leads with a MoneyGeek Score of 91 and an average monthly premium of $73. Women find Protective at the top, earning a MoneyGeek Score of 92 and a $67 average monthly premium.
Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Mutual of Omaha | $73 | 91 |
| 2 | Nationwide | $60 | 91 |
| 3 | Protective | $79 | 90 |
| 4 | Prudential | $73 | 86 |
| 5 | Transamerica | $83 | 86 |
| 6 | Allstate | $98 | 86 |
| 7 | AAA | $115 | 85 |
| 8 | State Farm | $109 | 85 |
| 9 | Haven | $134 | 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.
In San Antonio, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 91 and an average monthly premium of $40. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $30.
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 and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.
| 1 | Mutual of Omaha | $40 | 91 |
| 2 | Nationwide | $37 | 90 |
| 3 | Allstate | $36 | 88 |
| 4 | Transamerica | $36 | 88 |
| 5 | Protective | $56 | 88 |
| 6 | Prudential | $34 | 88 |
| 7 | State Farm | $53 | 85 |
| 8 | AAA | $65 | 85 |
| 9 | Haven | $65 | 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 young adults in San Antonio, Protective is the winner. It earns a MoneyGeek score of 92 and offers average monthly premiums of $10 for women and $11 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.
Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $11 | 92 |
| 2 | Mutual of Omaha | $11 | 91 |
| 3 | Nationwide | $11 | 91 |
| 4 | Transamerica | $12 | 87 |
| 5 | AAA | $18 | 85 |
| 6 | Prudential | $15 | 85 |
| 7 | State Farm | $18 | 85 |
| 8 | Allstate | $18 | 85 |
| 9 | Haven | $15 | 84 |
| 10 | Bestow | $20 | 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 Antonio, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $17. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $16. Nationwide scores high due to its easy buying process and affordability, while Protective excels in customer satisfaction and 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 | Nationwide | $17 | 93 |
| 2 | Mutual of Omaha | $18 | 91 |
| 3 | Protective | $18 | 91 |
| 4 | Transamerica | $20 | 88 |
| 5 | Prudential | $22 | 86 |
| 6 | AAA | $28 | 84 |
| 7 | Allstate | $28 | 84 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $25 | 82 |
The average monthly premium for term life insurance in San Antonio, Texas, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in San Antonio might be higher or lower compared to other parts of Texas due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if San Antonio has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective has the best life insurance in San Antonio for men, with the highest MoneyGeek score of 91 out of 100. This score reflects the company's overall performance in affordability, customer satisfaction and financial stability.
The best life insurance for men in San Antonio comes from Protective, which costs roughly $37 per month. This cost is based on a 20-year term policy for a non-tobacco user in their 30s.
Protective has the best life insurance in San Antonio for women, with a MoneyGeek score of 92. This score indicates the company's excellence in affordability, customer satisfaction and financial stability.
The average monthly premium from Protective for women in San Antonio is $29. This cost is based on a 20-year term for a non-tobacco user in her 30s.
Life insurance in San Antonio may differ from the rest of Texas due to the city's unique demographic and economic factors. For example, San Antonio has a younger population, which may influence premium costs and coverage needs. Additionally, the city's economic growth and housing market can impact the demand for life insurance.
If a life insurance company goes bankrupt in San Antonio, policies are generally protected by the Texas Life and Health Insurance Guaranty Association. This organization ensures that policyholders maintain coverage up to certain limits, providing a safety net for consumers.
San Antonio residents need life insurance to provide financial security for their families, cover outstanding debts and ensure stability in case of unexpected events. Life insurance can help pay for funeral expenses, mortgage payments and children's education, making it an important financial tool.
To find a lost life insurance policy in San Antonio, start by checking personal records and contacting the insurer directly. You can also use resources like the Texas Department of Insurance's policy locator service. Additionally, checking with the deceased's financial advisor or attorney can provide leads.
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.
