Updated: December 24, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Sugar Land, Texas, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $81 and $47, respectively. These figures are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider various factors such as age, health and coverage needs. While Protective ranks highest in our analysis, 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 Sugar Land, Texas.
We updated life insurance providers' coverage costs and company information in October 2024.
BestLife InsuranceSugar Land, TXBest Life Insurance Companies in Sugar Land
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 Sugar Land, with MoneyGeek scores of 91 for men and 92 for women. The average monthly premiums are $81 for males and $47 for females.
Top providers for men:
Top providers for women:
Protective offers a balance of affordability, customer satisfaction and financial stability, ensuring peace of mind for policyholders.
Protective is Sugar Land's top life insurance provider, with MoneyGeek scores of 91 for men and 92 for women and monthly premiums of $81 and $47, respectively.
Pros:
Cons:
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.
Mutual of Omaha is the best term life insurance provider for men in Sugar Land, with a MoneyGeek score of 91 and an average monthly premium of $39. For women, Protective leads with a score of 92 at $25 monthly. These providers offer competitive premiums and high customer satisfaction.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage for a set period, making it suitable for those needing temporary financial protection. For instance, a parent might opt for it to fund their child's educational expenses until graduation.
Mutual of Omaha is the top term life insurance provider for men in Sugar Land, with a MoneyGeek score of 91 and a monthly premium of $39. It offers a balance of cost and quality for policyholders.
Pros:
Cons:
Protective is the top choice for women seeking term life insurance in Sugar Land, earning a MoneyGeek score of 92. With a monthly premium of around $25, the company combines value and reliability.
Pros:
Cons:
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 Sugar Land's best whole life insurance provider, with a MoneyGeek score of 92 for men and women. This score indicates a strong performance across key metrics, such as customer satisfaction and financial stability.
Whole life insurance is a type of permanent policy that offers a death benefit along with a savings component. Some might choose it to provide for their family while also accumulating a cash value that can be borrowed against or invested.
Protective is Sugar Land's leading whole life insurance company, with a MoneyGeek score of 92 for men and women. Its strong performance across multiple categories highlights the company's commitment to offering reliable insurance solutions.
Pros:
Cons:
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 has Sugar Land's best universal life insurance, with a MoneyGeek score of 91 for men and women. It offers a reliable product that balances cost, customer satisfaction and financial stability.
Universal life insurance combines life coverage with an investment component. Some might prefer it over other types because of its potential cash value growth, which can be used as a financial resource during their lifetime.
Protective is Sugar Land's leading universal life insurance provider, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.
Pros:
Cons:
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 Sugar Land, Protective offers the best life insurance without a medical exam requirement. Its MoneyGeek score of 91 for men and women indicates a balance of affordability, customer satisfaction and financial stability.
Life insurance with no mandatory medical exam provides coverage without a health checkup, which can be ideal for those who require quick coverage or have health concerns that might complicate traditional insurance applications. A busy professional with a demanding schedule might opt for it to avoid time-consuming health assessments.
Protective is the top choice for life insurance without the hassle of a medical examination in Sugar Land. Its MoneyGeek score of 91 for men and women reflects a balance of affordability, customer satisfaction and financial stability.
Pros:
Cons:
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 seeking the best term life insurance for seniors in Sugar Land, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $161. Protective is the top choice for women, scoring 92 and charging $109 monthly.
Premiums rise as people reach their senior years because of increased health risks. Mutual of Omaha's and Protective's high MoneyGeek scores reflect their commitment to customer satisfaction, a streamlined buying process and financial stability.
| 1 | Mutual of Omaha | $161 | 91 |
| 2 | Nationwide | $133 | 91 |
| 3 | Protective | $173 | 90 |
| 4 | Prudential | $160 | 86 |
| 5 | Transamerica | $183 | 86 |
| 6 | Allstate | $216 | 86 |
| 7 | AAA | $253 | 85 |
| 8 | State Farm | $241 | 85 |
| 9 | Haven | $294 | 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 men seeking the best term life insurance for smokers in Sugar Land, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $89. Women will find Allstate as the top option, scoring 89 with a monthly premium of $48.
Smoking raises life insurance costs due to added health risks, which insurers factor into premiums. Mutual of Omaha's and Allstate's high MoneyGeek scores indicate a balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $89 | 91 |
| 2 | Nationwide | $82 | 90 |
| 3 | Allstate | $80 | 88 |
| 4 | Transamerica | $80 | 88 |
| 5 | Protective | $124 | 88 |
| 6 | Prudential | $75 | 88 |
| 7 | State Farm | $117 | 85 |
| 8 | AAA | $144 | 85 |
| 9 | Haven | $143 | 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.
Protective offers the best term life insurance for young adults in Sugar Land, with a MoneyGeek score of 92 and average monthly premiums of $25 for men and $16 for women.
Age significantly influences life insurance premiums, with younger adults typically benefiting from lower costs. Protective's high MoneyGeek score reflects its affordability, high customer satisfaction and financial stability.
| 1 | Protective | $25 | 92 |
| 2 | Mutual of Omaha | $25 | 91 |
| 3 | Nationwide | $24 | 91 |
| 4 | Transamerica | $27 | 87 |
| 5 | AAA | $38 | 85 |
| 6 | Prudential | $32 | 85 |
| 7 | State Farm | $41 | 85 |
| 8 | Allstate | $40 | 85 |
| 9 | Haven | $32 | 84 |
| 10 | Bestow | $43 | 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 Sugar Land, Nationwide leads for men with a MoneyGeek score of 93 and an average monthly premium of $36. Protective is the top option for women, with a MoneyGeek score of 92 at $25 monthly.
Factors such as age, health, gender and coverage amount influence premiums. To get the lowest rates, maintain good health, avoid tobacco and compare quotes from multiple providers.
| 1 | Nationwide | $36 | 93 |
| 2 | Mutual of Omaha | $39 | 91 |
| 3 | Protective | $40 | 91 |
| 4 | Transamerica | $44 | 88 |
| 5 | Prudential | $48 | 86 |
| 6 | AAA | $62 | 84 |
| 7 | Allstate | $61 | 84 |
| 8 | State Farm | $63 | 82 |
| 9 | Haven | $56 | 82 |
The average monthly costs of term life insurance in Sugar Land are $73 for men and $47 for women. Many factors affect premiums, including age, health, lifestyle, occupation and coverage amount.
Local factors may affect life insurance costs in Sugar Land compared to the rest of Texas. Health statistics, like the prevalence of chronic diseases, can impact rates. Economic conditions, including income levels and living costs, also play a role. Additionally, competition among insurers can influence premiums.
Understanding these factors can help you make informed decisions when buying life insurance.
Protective offers the best life insurance for men in Sugar Land, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Sugar Land is $81.
Protective offers the best life insurance for women in Sugar Land, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in Sugar Land is $47.
Life insurance in Sugar Land is similar to other parts of Texas. Protective offers competitive rates and high customer satisfaction. Its coverage options and financial stability ratings are consistent across the state.
If a life insurance company in Sugar Land goes bankrupt, state guaranty associations protect policyholders by ensuring claims are paid and policies remain in force, providing financial security.
Sugar Land residents might need life insurance for financial security and peace of mind. It helps cover debts and mortgage payments and provides for dependents after the policyholder's death.
To find a lost life insurance policy in Sugar Land, check personal records, contact employers and use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
