Best Life Insurance in Scottsdale, AZ (November 2024)

The best life insurance in Scottsdale, Arizona, for women is Protective with a MoneyGeek score of 92 and an average monthly premium of $44. For men, the top provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $72. 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.

When deciding on what type of life insurance to buy, consider different factors such as affordability, customer satisfaction, and financial stability. These elements can impact the overall value and suitability of a policy for your specific situation.

Mutual of Omaha offers the best life insurance for men in Scottsdale with a MoneyGeek score of 91 and a monthly premium of $72. For women, Protective is the top provider with a MoneyGeek score of 92 and a monthly premium of $44.

Top providers for men:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $72 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $79 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $44 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $54 per month for women

Mutual of Omaha is the best option for men due to its high MoneyGeek score and relatively affordable premium. Protective stands out for women with the highest score and the lowest premium. Both companies offer a balance of affordability, customer satisfaction, and financial stability, making them excellent choices for life insurance in Scottsdale.

For men seeking the best term life insurance in Scottsdale, 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:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $18 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $18 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $16 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $21 per month for women

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 top provider of the best whole life insurance in Scottsdale, 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 Scottsdale:

• 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 Scottsdale:

• 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 provider in Scottsdale for both men and women, boasting a MoneyGeek score of 91. Choosing Protective means selecting a company that excels in affordability, customer satisfaction, buying process and financial stability.

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 offers flexibility in premiums and death benefits, which can be appealing to those who desire a more adaptable approach to their long-term financial planning. For example, a young professional might choose universal life insurance over term life insurance to benefit from the potential cash value growth that can be used towards future needs or retirement planning.

Protective offers the best life insurance without a medical exam for both men and women in Scottsdale, boasting 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 no-medical- exam life 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 is a policy that 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 the hassle of a traditional health assessment.

For older men in Scottsdale seeking the best term life insurance for seniors in Scottsdale, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $131. Women find Protective at the top, earning a MoneyGeek score of 90 and a $113 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.

For those seeking the best term life insurance for smokers in Scottsdale, Mutual of Omaha stands out for men with a MoneyGeek score of 90 and a monthly premium of $80. Women would find Allstate to be the top provider, with an 88 MoneyGeek score and a $44 monthly premium.

Smoking is a significant factor in life insurance premiums due to the associated health risks, which often leads to higher costs for smokers. The high MoneyGeek score reflects a company's balance between affordability, customer satisfaction, and financial stability, making it a reliable choice for consumers prioritizing these aspects in their insurance selection.

For the best term life insurance for young adults in Scottsdale, Protective stands out with a MoneyGeek score of 92 for women and 91 for men. Women's monthly premiums are approximately $14, while men's are about $23.

Protective achieves high scores through a mix of affordability, customer satisfaction, and financial stability. This makes it an excellent choice for young adults seeking reliable term life insurance in Scottsdale.

Nationwide is the top provider of the best cheap term life insurance for men in Scottsdale, with a MoneyGeek score of 93 and a monthly premium of $33. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $24.

Factors affecting life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain excellent health, choose a shorter term length, and opt for a lower coverage amount. Nationwide scores high due to its affordability and buying process, making it a strong choice for men. Protective excels in customer satisfaction and financial stability, making it ideal for women.

Choosing the right provider is crucial for those seeking the best cheap term life insurance in Scottsdale.

The average monthly premium for term life insurance in Scottsdale is $43 for women and $66 for men. These costs are influenced by several factors, including age, health, lifestyle, coverage amount, policy term, and gender.

Life insurance premiums can vary widely based on location. In Scottsdale, premiums might be higher or lower compared to other parts of Arizona due to local health statistics, average income, cost of living, and regional underwriting practices. Understanding these factors can help consumers make informed decisions about their life insurance options.