Updated: November 21, 2024
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Mutual of Omaha is the top provider of life insurance for men in Surprise, with a MoneyGeek score of 91 out of 100 and an average monthly premium of $49. For women, Protective leads with a MoneyGeek score of 92 out of 100 and a monthly premium of $32.
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 Surprise, Arizona.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceSurprise, AZBest Life Insurance Companies in Surprise
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.
Mutual of Omaha offers the best life insurance for men in Surprise with a MoneyGeek score of 91 out of 100 at $49 per month. For women, Protective leads with a MoneyGeek score of 92 out of 100 at $32 per month.
Top Companies for Men
Top Companies for Women
Mutual of Omaha stands out for men due to its high MoneyGeek score and affordable premium. For women, Protective offers the best combination of score and cost. Both companies provide strong customer satisfaction and financial stability, making them excellent choices for life insurance in Surprise.
For women seeking life insurance in Surprise, Arizona, Protective emerges as the top choice with a MoneyGeek score of 92. At a monthly premium of $32, Protective combines affordability with high customer satisfaction.
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Mutual of Omaha stands out as the leading life insurance provider for men in Surprise, with a MoneyGeek score of 91. Men can secure coverage at $49 per month, benefiting from Mutual of Omaha's strong reputation for customer satisfaction.
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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.
In Surprise, Arizona, Mutual of Omaha stands out for men with a MoneyGeek score of 91 at a monthly premium of $24, while Protective leads for women with a score of 92 at $17 per month. These companies offer competitive rates and high customer satisfaction, making them top choices for individuals seeking the best term life insurance. The winning score for men is 91, slightly higher than the 90 for women, indicating a strong performance for both genders in the term life insurance market.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides a death benefit over a specified period, which can be a cost-effective option for those needing coverage for a certain time frame, such as until a mortgage is paid off or children are financially independent. Here are the top two highest MoneyGeek scores for both men and women:
Mutual of Omaha stands out as the premier choice for term life insurance in Surprise for men, boasting a MoneyGeek score of 91. With a monthly premium of $24, it offers a balance of cost and quality that's hard to beat. Here's a quick rundown of what to expect from Mutual of Omaha's term life insurance policy for men in Surprise.
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Protective stands out as the premier term life insurance provider for women in Surprise, Arizona, boasting a MoneyGeek score of 92. With a monthly premium cost of just $17, Protective offers an attractive blend of value and security for its customers.
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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 company emerges as the provider of the best whole life insurance in Surprise for both men and women with a MoneyGeek score of 91 for men and 92 for women. This high score suggests that Protective offers reliable coverage and excellent customer service, making it a solid choice for individuals seeking a comprehensive insurance policy that provides long-term financial security.
Top whole life companies for men in Surprise:
Top whole life companies for men in Surprise:
Whole life insurance offers a fixed premium and a guaranteed death benefit, making it a predictable choice for long-term planning.
In Surprise, Arizona, Protective stands out as the premier choice for whole life insurance, earning the top MoneyGeek score for both men and women. This distinction underscores Protective's commitment to customer satisfaction and financial strength, ensuring policyholders receive reliable coverage and support.
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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.
For people in Surprise, Protective stands out as the best universal life insurance provider, with 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:
Best universal life insurance 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 emerges as the top choice for universal life insurance in Surprise, with an outstanding MoneyGeek score of 91 for both men and women. This score reflects the company's 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.
Protective offers the best life insurance without a medical exam for both men and women in Surprise, 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.
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 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.
In Surprise, Arizona, Protective stands out as the premier choice for no-medical-exam life insurance for both men and women, boasting MoneyGeek scores of 91 for each. This reflects their commitment to customer satisfaction and financial stability, making them a reliable option for life insurance seekers.
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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 men seeking the best term life insurance for seniors in Surprise, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $91. Women find their best option with Protective, boasting a score of 90 and a premium of $82.
As seniors age, premiums typically increase, reflecting the higher risk associated with insuring older individuals. A high MoneyGeek score, like those of Mutual of Omaha and Protective, indicates a blend of affordability, customer satisfaction, and financial stability — key factors for seniors prioritizing security and value in their life insurance policy.
| 1 | Mutual of Omaha | $91 | 91 |
| 2 | Nationwide | $82 | 91 |
| 3 | Protective | $126 | 89 |
| 4 | Transamerica | $92 | 88 |
| 5 | Prudential | $83 | 87 |
| 6 | State Farm | $139 | 86 |
| 7 | Allstate | $138 | 85 |
| 8 | AAA | $162 | 85 |
| 9 | Haven | $189 | 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, Mutual of Omaha stands out with the best term life insurance for smokers in Surprise, scoring 90 on MoneyGeek and an average monthly premium of $55. In contrast, women find Allstate as the top choice, with an 88 MoneyGeek score and a $32 monthly premium. Smoking significantly influences life insurance costs due to the increased health risks it poses, leading to higher premiums for smokers.
| 1 | Mutual of Omaha | $55 | 90 |
| 2 | Nationwide | $55 | 89 |
| 3 | Allstate | $51 | 88 |
| 4 | Transamerica | $48 | 88 |
| 5 | Prudential | $44 | 88 |
| 6 | Protective | $84 | 87 |
| 7 | State Farm | $74 | 86 |
| 8 | AAA | $93 | 86 |
| 9 | Haven | $98 | 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 the best term life insurance for young adults in Surprise, Protective stands out with a MoneyGeek score of 92 for women and 91 for men. The average monthly premiums are $10 and $16 respectively.
Age plays a crucial role in determining life insurance premiums, with younger individuals typically enjoying lower costs. Protective's high scores reflect its strong affordability, customer satisfaction, and financial stability.
| 1 | Protective | $16 | 91 |
| 2 | Mutual of Omaha | $15 | 91 |
| 3 | Nationwide | $15 | 91 |
| 4 | Transamerica | $17 | 87 |
| 5 | AAA | $25 | 86 |
| 6 | State Farm | $26 | 85 |
| 7 | Prudential | $21 | 85 |
| 8 | Haven | $21 | 84 |
| 9 | Allstate | $26 | 84 |
| 10 | Bestow | $29 | 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 those seeking the best cheap term life insurance in Surprise, Nationwide is the top choice for men with a MoneyGeek score of 93 and a monthly premium of $23. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $17.
Various factors influence life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, avoid tobacco and choose a suitable coverage amount and term length.
| 1 | Nationwide | $23 | 93 |
| 2 | Mutual of Omaha | $24 | 91 |
| 3 | Protective | $26 | 90 |
| 4 | Transamerica | $26 | 89 |
| 5 | Prudential | $29 | 86 |
| 6 | AAA | $39 | 84 |
| 7 | Allstate | $39 | 83 |
| 8 | State Farm | $40 | 82 |
| 9 | Haven | $36 | 81 |
The average monthly premium for term life insurance in Surprise, Arizona, 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 Surprise might be higher or lower compared to other parts of Arizona due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Surprise 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.
Mutual of Omaha has the best life insurance for men in Surprise. With a MoneyGeek score of 91, it stands out for its excellent customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Surprise is $49. Mutual of Omaha offers this plan, making it a top choice for affordability and coverage.
Protective has the best life insurance for women in Surprise. It has a MoneyGeek score of 92, which is based on high customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Surprise is $32. Protective offers this plan, combining affordability with excellent coverage and customer satisfaction.
Life insurance in Surprise does not differ significantly from the rest of Arizona. Companies like Mutual of Omaha and Protective offer competitive rates and comprehensive coverage statewide. For example, the premium costs and coverage options in Surprise are similar to those in other Arizona cities.
If a life insurance company goes bankrupt in Surprise, policyholders are protected by state guaranty associations. These associations ensure that claims are paid up to a certain limit, providing a safety net for policyholders.
Surprise residents may need life insurance for several reasons. It provides financial security for families, covers funeral expenses, and can pay off debts. Life insurance can also ensure that dependents maintain their standard of living if the primary earner passes away.
To find a lost life insurance policy in Surprise, start by contacting the insurance company directly. If that doesn't work, use state resources like the Arizona Department of Insurance, which can assist in locating lost policies.
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.
