Best Life Insurance in St. Louis, MO (October 2024)

In St. Louis, Missouri, the best life insurance provider for women is Protective with a MoneyGeek score of 92 and a monthly premium of $20. For men, the top provider is Mutual of Omaha with a MoneyGeek score of 91 and a monthly premium of $28.

When choosing life insurance, consider various factors such as your age, health, and financial situation. 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.

Protective offers the best life insurance for women in St. Louis with a MoneyGeek score of 92 at $20 per month. For men, Mutual of Omaha and Protective both score 91, with monthly premiums of $28 and $29, respectively.

The top providers for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $28 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $29 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $20 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $26 per month for women

Choosing these companies ensures a balance of affordability and high satisfaction, as well as reliable coverage.

For those seeking the best term life insurance in St. Louis, Mutual of Omaha stands out for men with a MoneyGeek score of 92 at $12 per month, while Protective leads for women with a score of 92 at $10 per month. These companies offer reliable coverage and financial stability

The top providers for men are:

• Mutual of Omaha: MoneyGeek score of 92 out of 100 at $12 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $13 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $10 per month for women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $12 per month for women

Term life insurance is a policy where coverage is provided for a certain period, offering a death benefit to beneficiaries if the insured passes away during the term. It can be a preferred choice for those needing coverage during critical years, such as while paying off a mortgage or raising children.

The best whole life insurance in St. Louis for men and women is provided by Protective, with a MoneyGeek score of 92 out of 100. This score reflects Protective's strong performance across affordability, customer satisfaction, buying process and financial stability.

The top providers for men are:

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

The top providers for women are:

• 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 offers lifelong coverage and a cash value component that can be a beneficial financial tool. For example, someone might choose whole life insurance over term life to ensure permanent coverage and the ability to accumulate cash value as an investment over time.

Protective provides the best universal life insurance in St. Louis, with a MoneyGeek score of 91 for men and women. This score reflects the company's strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity.

The top providers for men are:

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

The top providers for women are:

• 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 allows policyholders to adjust their premiums and death benefits. For example, someone might choose this insurance over term life insurance for the potential to accumulate cash value over time, which can be used to cover unexpected expenses or supplement retirement income.

Protective provides the best life insurance without a required medical exam in St. Louis, with a MoneyGeek score of 91 for men and women. This score indicates a strong performance across important metrics such as affordability, customer satisfaction and financial stability.

The top providers for men are:

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

The top providers for women are:

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

No-medical-exam life insurance allows individuals to obtain coverage without undergoing a medical examination. For example, someone with a busy schedule or a fear of medical procedures might choose this insurance for its convenience and speed of approval.

Mutual of Omaha offers the best term life insurance for seniors in St. Louis with a MoneyGeek score of 91 and a monthly premium of $49. The top provider for women is Protective, wth a MoneyGeek score of 92 and a monthly premium of $44.

Age is a determinant in life insurance premiums; as people age, the risk to insurers increases, leading to higher costs. Choosing a company with a high MoneyGeek score ensures that seniors in St. Louis are selecting a reliable provider that meets their specific needs.

In St. Louis, the best term life insurance for smokers, is from Mutual of Omaha for men and women, with a MoneyGeek score of 90 and 89, respectively. The monthly premium for both is to $26.

Smoking impacts life insurance costs because insurers typically charge higher premiums to smokers due to the increased health risks associated with tobacco use. Mutual of Omaha's high MoneyGeek score reflects its strong performance across various dimensions, including affordability, customer satisfaction and financial stability. These factors are vital for individuals who need dependable coverage that aligns with their financial and health profile.

For the best term life insurance for young adults in St. Louis, Protective scores highest for women with a MoneyGeek score of 92 and a monthly premium of $6. For men, Mutual of Omaha leads with a MoneyGeek score of 92 and a monthly premium of $8.

Age plays a major role in determining life insurance premiums, with younger adults generally benefiting from lower rates. Protective and Mutual of Omaha excel due to their strong financial stability, customer satisfaction and affordability.

For men, Mutual of Omaha offers the best cheap term life insurance in St. Louis with a MoneyGeek score of 92 and a monthly premium of $12. For women, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $10.

Life insurance premiums vary based on factors like age, health, coverage amount and term length. To get the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount. The winning companies excel in affordability, customer satisfaction and financial stability, making them ideal choices in St. Louis.

The average monthly premium for term life insurance in St. Louis is $20 for women and $25 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount, policy term and location. Insurers consider these variables to assess risk and determine premium rates.

In St. Louis, the cost of life insurance might be different from other parts of Missouri due to various local factors. These can include health statistics, cost of living, economic conditions, crime rates and regional underwriting practices. Understanding these factors can help consumers make informed decisions about their life insurance needs.