In Thornton, Colorado, Protective offers the best life insurance for both men and women. It has a MoneyGeek score of 92 for both genders, and the average monthly premium cost is $26 for women and $31 for men. These scores and costs are based on a 20-year term policy with $500,000 coverage. Different factors should be considered when deciding on what type of life insurance to buy. Your unique needs may mean a different company is best for you.
Best Life Insurance in Thornton, CO (November 2024)
Protective offers the best life insurance in Thornton, Colorado, with a MoneyGeek score of 91 for men and 92 for women, excelling in customer satisfaction.
Updated: December 24, 2024
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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 Thornton, Colorado.
Coverage costs and company information for life insurance providers were updated in October 2024.
Best Life Insurance Companies in Thornton
Overall Best Life Insurance in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
This was done using the average profile with a 20-year term policy and $500K coverage.
Protective offers the best life insurance in Thornton 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:
- Protective: MoneyGeek score of 91 out of 100 at $37 per month for men
- Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month for men
Top providers for women:
- Protective: MoneyGeek score of 92 out of 100 at $29 per month for women
- Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month for women
Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for customers seeking reliable life insurance in Thornton.
Protective
Protective is the leading life insurance provider in Thornton for both men and women, gaining a robust MoneyGeek score of 92. For women, the average monthly premium is estimated at $26, while men can expect a rate of $31. The company's high scores in customer satisfaction and affordability make it a top choice for residents in Thornton seeking reliable coverage without breaking the bank.
Pros:
- High customer satisfaction
- Excellent affordability
- Solid financial stability
Cons:
- Buying process could be smoother
- More product variety desired
Best Term Life Insurance in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
Quotes gathered were for a $250K life insurance policy with a 10-year term.
In Thornton, Protective stands out as the provider of the best term life insurance for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $15 for men and $14 for women. Its high score reflects its strong customer satisfaction, financial stability and product diversity, making it a top choice for customers seeking reliable and affordable term life insurance coverage.
Top providers for men:
- Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
- Mutual of Omaha: MoneyGeek score of 91 out of 100 at $18 per month for men
Top providers for women:
- Protective: MoneyGeek score of 92 out of 100 at $14 per month for women
- Mutual of Omaha: MoneyGeek score of 90 out of 100 at $17 per month for women
Term life insurance is a policy that provides coverage for a certain period and offers a death benefit if the insured passes away during the term. For example, a parent might buy term insurance to ensure their child's education expenses are covered in the event of their untimely death.
Protective
Protective stands out as the premier choice for term life insurance in Thornton, with a top MoneyGeek score of 92. With an average monthly premium of $15 for men and $14 for women, it offers a balance of value and security. Customers seeking reliable term life insurance coverage without breaking the bank will find Protective's offering compelling.
Pros:
- High customer satisfaction
- Great affordability
- Strong financial stability
Cons:
- Buying process could improve
Best Whole Life Insurance in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
- Financial Stability: 35%
- Customer Satisfaction: 30%
- Buying Process: 15%
- Product Diversity: 20%
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 Thornton for both men and women, with a MoneyGeek score of 92. This score shows that Protective stands out in affordability, customer satisfaction and financial stability, making it a solid choice for customers seeking reliable long-term financial protection.
The top two term life insurance companies 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
For women, the top two 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 a fixed premium, a guaranteed death benefit and a cash value component, which can serve as a financial safety net or an investment opportunity. For example, someone might choose whole life insurance to ensure their family's financial stability or to contribute to their estate planning.
Protective
When it comes to finding the best whole life insurance in Thornton, Protective stands out for both men and women. With a MoneyGeek score of 92 for each gender, it is a reliable choice for insurance seekers. Its commitment to satisfaction and stability is reflected in its ratings, ensuring customers receive quality service and peace of mind.
Pros:
- High customer satisfaction
- Strong affordability
- Solid financial stability
Cons:
- Buying process could improve
- More diverse products desired
Compare Life Insurance Rates
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.
Best Universal Life Insurance in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
- Financial Stability: 25%
- Customer Satisfaction: 25%
- Buying Process: 25%
- Product Diversity: 25%
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 provides the best universal life insurance in Thornton, witha MoneyGeek score of 91 for both men and women. The company's high score reflects its strong performance across several key metrics, indicating a balanced offering that caters well to the average individual's needs for universal life insurance. It stands out for its affordability, customer satisfaction and financial stability, which are pivotal when choosing a life insurance policy.
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 is a flexible policy that allows policyholders to adjust their premiums and death benefits. This can be particularly beneficial for clients who expect their financial situation to change over time. For example, a young professional might choose universal life insurance over term life insurance to take advantage of the policy's cash value growth potential, which can be used as an investment or borrowed against in the future.
Protective
Protective stands out as the premier choice for universal life insurance in Thornton, catering to both men and women. With an impressive MoneyGeek score of 91 for both genders, it demonstrates a commitment to excellence in the insurance industry. Clients can expect a strong performance across various metrics, ensuring a reliable and satisfactory experience.
Pros:
- High customer satisfaction
- Excellent affordability
- Solid financial stability
Cons:
- Buying process could improve
Best No-Medical-Exam Life Insurance in Thornton, CO
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:
- Financial Stability: 20%
- Customer Satisfaction: 25%
- Buying Process: 20%
- Product Diversity: 35%
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 is the top provider of the best life insurance without a medical exam in Thornton, gaining a MoneyGeek score of 91 for both men and women. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a solid choice for customers seeking a straightforward and reliable insurance policy without the hassle of a medical exam.
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 no-medical-exam 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
A life insurance with no mandatory medical exam offers the convenience of obtaining coverage without undergoing a physical examination. For instance, someone with a busy schedule or a fear of medical procedures might opt for this insurance to save time and avoid stress. Protective's leading score indicates its ability to meet customers' needs efficiently and effectively.
Protective
For residents in Thornton seeking no-medical-exam life insurance, Protective ranks as the top choice for both men and women, with an impressive MoneyGeek score of 91. Protective's commitment to customer satisfaction and value makes it a standout provider in the market.
Pros:
- High customer satisfaction
- Excellent affordability
- Solid financial stability
Cons:
- Buying process could improve
Recommended Life Insurance Coverage Amount:
Best Term Life Insurance for Seniors in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
For residents in Thornton seeking the best term life insurance for seniors, Protective stands out with the highest MoneyGeek scores for both men and women at 92 and 91, respectively. The average monthly premium for men is $68, while it's $61 for women.
Age influences life insurance premiums, as older individuals generally pose a higher risk to insurers, hence the premiums increase with age. Protective's top scores, which factor in affordability, customer satisfaction, buying process, financial stability and product diversity, make it a solid choice for seniors prioritizing comprehensive coverage and value.
1 | Protective | $68 | 92 |
2 | Mutual of Omaha | $76 | 91 |
3 | Nationwide | $68 | 90 |
4 | AAA | $88 | 88 |
5 | Allstate | $75 | 88 |
6 | Prudential | $66 | 88 |
7 | Transamerica | $84 | 87 |
8 | State Farm | $119 | 85 |
9 | Haven | $131 | 82 |
Best Term Life Insurance for Smokers in Thornton, CO
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:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
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 residents in Thornton looking for the best term life insurance for smokers, Mutual of Omaha stands out with a rounded MoneyGeek score of 90 for men and an average monthly premium of $75. It's also the top provider for women, with a score of 88 and an average monthly premium of $72.
Smoking is a key factor in determining life insurance premiums due to the associated health risks, which often lead to higher costs for smokers. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability and product diversity, making it a reliable choice for smokers who face challenges in finding affordable life insurance.
1 | Mutual of Omaha | $75 | 90 |
2 | Nationwide | $78 | 89 |
3 | AAA | $81 | 88 |
4 | Protective | $102 | 88 |
5 | Prudential | $59 | 88 |
6 | Transamerica | $73 | 87 |
7 | State Farm | $98 | 85 |
8 | Allstate | $122 | 84 |
9 | Haven | $122 | 82 |
Best Term Life Insurance for Young Adults in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
- Affordability: 30%
- Financial Stability: 25%
- Buying Process: 20%
- Customer Satisfaction: 15%
- Product Diversity: 10%
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
The best term life insurance for young adults in Thornton is offered by Protective, with a MoneyGeek score of 92 and average monthly premiums of $9 for men and $8 for women.
Age plays a significant role in determining life insurance premiums. Younger adults often enjoy lower costs due to their lower risk profiles. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability. For young adults in Thornton, choosing Protective means getting reliable coverage at a competitive price.
1 | Protective | $9 | 92 |
2 | Mutual of Omaha | $11 | 91 |
3 | Nationwide | $12 | 89 |
4 | AAA | $13 | 88 |
5 | Allstate | $11 | 87 |
6 | Transamerica | $12 | 86 |
7 | Prudential | $13 | 85 |
8 | Haven | $14 | 84 |
9 | State Farm | $19 | 84 |
10 | Bestow | $19 | 83 |
Best Cheap Term Life Insurance in Thornton, CO
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
- Affordability: 50%
- Financial Stability: 15%
- Buying Process: 20%
- Customer Satisfaction: 5%
- Product Diversity: 10%
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 Thornton, Protective stands out for both men and women with a MoneyGeek score of 92 and average monthly premiums of $15 for men and $14 for women.
Factors influencing life insurance premiums include age, health, coverage and term length. To secure the lowest premiums, maintain good health, choose a shorter term and opt for lower coverage. Protective's high score is due to its affordability, customer satisfaction and financial stability, making it a top choice for clients seeking the best cheap term life insurance in Thornton.
1 | Protective | $15 | 92 |
2 | Nationwide | $18 | 91 |
3 | Mutual of Omaha | $18 | 90 |
4 | Allstate | $18 | 89 |
5 | AAA | $21 | 88 |
6 | Transamerica | $20 | 88 |
7 | Prudential | $20 | 87 |
8 | Haven | $24 | 83 |
9 | State Farm | $30 | 82 |
Average Cost of Term Life Insurance in Thornton, CO
The average monthly premium for term life insurance in Thornton is $24 for women and $30 for men.
Several factors affect the cost of life insurance premiums, and these include age, health, lifestyle, occupation and the amount of coverage. For instance, younger and healthier customers typically pay lower premiums. Likewise, Thornton residents with risky occupations or lifestyles may face higher costs.
The cost of life insurance in Thornton may differ from other parts of Colorado due to various local factors. Local health statistics, economic conditions and specific risk factors in Thornton can influence insurance premiums. Understanding these factors can help consumers make informed decisions about their life insurance needs.
FAQ About Life Insurance in Thornton, CO
What company has the best life insurance in Thornton for men?
Protective offers the best life insurance in Thornton for men. This conclusion is based on the highest MoneyGeek score of 92 out of 100. The company provides comprehensive coverage and has high customer satisfaction ratings.
What is the monthly premium cost for the best life insurance for men in Thornton?
The monthly premium cost for the best life insurance for men in Thornton, offered by Protective, is $31.
What company has the best life insurance in Thornton for women?
Protective also offers the best life insurance in Thornton for women. The company received a MoneyGeek score of 92 out of 100, indicating strong performance in various metrics including customer satisfaction and financial stability.
What is the monthly premium cost for the best life insurance for women in Thornton?
The monthly premium cost for the best life insurance for women in Thornton, provided by Protective, is $26.
Is there anything different about life insurance in Thornton compared to the rest of Colorado?
Life insurance in Thornton is notably competitive, with Protective offering high MoneyGeek scores for both men and women. Compared to other cities in Colorado, Thornton residents benefit from lower monthly premiums and high customer satisfaction scores. For example, Protective's premium costs in Thornton are $26 for women and $31 for men, which may be lower than in other parts of the state.
What happens to your life insurance if a company goes bankrupt in Thornton?
If a life insurance company goes bankrupt in Thornton, state guaranty associations typically step in to protect policyholders. These associations ensure that claims are paid up to certain limits. Policyholders should contact the Colorado Life and Health Insurance Protection Association for specific guidance and support.
Why might Thornton residents need life insurance?
Thornton residents might need life insurance to provide financial security for their families in case of unexpected death. Life insurance can cover funeral expenses, pay off debts, and ensure that dependents have financial support. For example, a policy can help pay for a child's education or replace lost income.
How do you find a lost life insurance policy in Thornton?
To find a lost life insurance policy in Thornton, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the Colorado Division of Insurance for assistance. Additionally, tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator can be helpful.
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.
sources
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- Life Insurance Marketing and Research Association (LIMRA). "Facts About Life Insurance 2021." Accessed October 8, 2024.
- NAIC. "Consumer Insurance Search Results." Accessed October 8, 2024.
- S&P Global. "2020 Annual Report." Accessed October 8, 2024.