Best Life Insurance in Topeka, KS (November 2024)

In Topeka, Kansas, Protective is the best life insurance provider for women, with a MoneyGeek score of 91 and a monthly premium of $29. For men, Mutual of Omaha ranks highest with a MoneyGeek score of 91 and a monthly premium of $39.

When deciding on life insurance, it's important to consider different factors such as coverage amount, term length, and premium cost. 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.

In Topeka, Protective offers the best life insurance for both men and women with a MoneyGeek score of 91 out of 100 and an average monthly premium of $40 for men and $29 for women. This makes Protective a strong choice for anyone seeking life insurance in Topeka. Here are the top companies for men and women based on MoneyGeek scores and monthly premiums:

Top providers for men:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $39 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $40 per month for men

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $29 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $37 per month for women

Protective stands out for its high MoneyGeek score, indicating strong overall performance in affordability, customer satisfaction, buying process, financial stabilit, and product diversity. This makes it a reliable option for the average individual looking to purchase life insurance in Topeka.

For those seeking the best term life insurance in Topeka, Mutual of Omaha stands out for men with a MoneyGeek score of 91 at $19 per month, while Protective takes the lead for women with a score of 92 at $16 per month.

The top two term life insurance companies for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $19 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $20 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

These providers offer robust financial stability and customer satisfaction, making them ideal for individuals prioritizing reliable coverage and affordability. Term life insurance is a straightforward policy that provides protection for a set period, perfect for someone who may want coverage during their working years or while paying off a mortgage.

In Topeka, Protective stands out as the provider with the best whole life insurance for both men and women, boasting a MoneyGeek score of 92. This score reflects a blend of affordability, customer satisfaction, and financial stability, making Protective an optimal choice for those seeking reliable life insurance coverage. The company's commitment to product diversity and a smooth buying process further establishes its top position in the market. Here are the top MoneyGeek scores for Topeka:

Top whole life companies for men in Topeka:

• 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 Topeka:

• 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 and a guaranteed death benefit, with the added benefit of cash value accumulation. For instance, someone looking for a stable, long-term investment component in their insurance might prefer whole life insurance over term life insurance. Learn more about the best whole life insurance.

The Protective company stands out with the best universal life insurance in Topeka, boasting a MoneyGeek score of 91 for both men and women. This score reflects a combination of affordability, customer satisfaction, and financial stability, making Protective an optimal choice for those seeking reliable coverage. The winning scores for men precede those for women, emphasizing the company's consistent performance across demographics. Here are the top MoneyGeek scores in Topeka:

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 is why it might be preferred over other types of life insurance. For instance, if someone wants the option to adjust their coverage as their financial situation changes, universal life insurance is a suitable choice.

Protective is the best life insurance without a medical exam provider in Topeka for both men and women, 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 in Topeka are as follows:

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

No-medical-exam 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 those seeking the best term life insurance for seniors in Topeka, Protective stands out for women with a MoneyGeek score of 91 and a monthly premium of $68. Men find their top choice in Mutual of Omaha, also with a MoneyGeek score of 91, but at a slightly higher monthly premium of $79. Age is a determining factor in life insurance costs, with premiums generally increasing as individuals enter their senior years.

A high MoneyGeek score indicates a company's strong performance across multiple dimensions, including affordability and customer satisfaction—key considerations for seniors evaluating life insurance options. Protective and Mutual of Omaha's top rankings suggest they offer a balanced mix of value, stability, and customer care.

For smokers in Topeka seeking the best term life insurance for smokers, Mutual of Omaha stands out for both men and women, with MoneyGeek scores of 90 and 88, respectively. Men can expect a monthly premium of about $43, while women's premiums are approximately $47. Smoking is a key factor in determining life insurance premiums due to the associated health risks, which often leads to higher costs.

Mutual of Omaha's top scores indicate a strong balance across affordability, customer satisfaction, buying process, financial stability, and product diversity. This makes it a compelling choice for those prioritizing comprehensive coverage and value.

For the best term life insurance for young adults in Topeka, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $10 for women, and a score of 91 with a $12 average premium for men. Age significantly impacts life insurance premiums, as younger individuals are generally considered lower risk, leading to lower costs.

Protective's high scores in affordability, customer satisfaction, and financial stability make it a top choice for young adults seeking the best term life insurance for young adults.

For men, Nationwide offers the best cheap term life insurance in Topeka with a MoneyGeek Score of 93 and an average monthly premium of $18. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $16.

Several factors affect life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, maintain excellent health, choose a shorter term, and compare quotes from multiple providers.

Nationwide has the highest MoneyGeek score for men due to its strong buying process and affordability. Protective scores highest for women because of its excellent customer satisfaction and financial stability. These factors make these companies ideal choices for those seeking the best cheap term life insurance in Topeka.

The average monthly premium for term life insurance in Topeka is $28 for women and $34 for men.

Many factors influence the cost of life insurance premiums. These include age, health, lifestyle, and the amount of coverage. Insurers assess these factors to determine the risk and set the premium accordingly.

The cost of life insurance in Topeka might be higher or lower compared to the rest of Kansas due to several reasons. Regional health statistics, such as higher rates of certain illnesses, can affect premiums. The cost of living in Topeka may also play a role, as well as the level of competition among local insurance providers. Understanding these factors can help you make an informed decision when purchasing life insurance.