Updated: December 24, 2024
Advertising & Editorial Disclosure
In Tucson, Mutual of Omaha is the best life insurance provider for men, with a MoneyGeek score of 91 and an average premium of $33 per month. For women, the best choice is Protective, with a MoneyGeek score of 92 out of 100 and a premium of $26 per month.
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 Tucson, Arizona.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceTucson, AZBest Life Insurance Companies in Tucson
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.
In Tucson, the top life insurance provider for men is Mutual of Omaha with a MoneyGeek score of 91 out of 100 at $33 per month. For women, the best choice is Protective with a MoneyGeek score of 92 out of 100 at $26 per month.
Top providers for men:
Top providers for women:
Mutual of Omaha stands out for men due to its high MoneyGeek score and competitive monthly premium. Similarly, Protective is the top choice for women, offering the highest score and a lower premium. Both companies provide a balance of affordability, customer satisfaction and financial stability, making them reliable choices for life insurance in Tucson.
In Tucson, Protective stands out as the best life insurance provider for women with an impressive MoneyGeek score of 92, while Mutual of Omaha takes the lead for men, scoring 91. Women can secure a policy with Protective for a monthly premium of $26, and men can do the same with Mutual of Omaha for $33. Both companies excel in customer satisfaction and financial stability, offering reliable coverage options for their clients. Here are the pros and cons for each company based on specific criteria:
Protective
Pros:
Cons:
Mutual of Omaha
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 offers the best term life insurance for men in Tucson, with a MoneyGeek score of 91 and an average monthly premium of $16. For women, Protective leads with a MoneyGeek score of 92 at $14 per month.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a type of life insurance that provides coverage at a fixed rate of payments for a limited period, known as the term. Once the term expires, coverage is no longer guaranteed, and the client must either forgo coverage or potentially obtain further insurance with different payments or conditions.
Mutual of Omaha stands out as the best term life insurance option in Tucson for men, boasting a MoneyGeek score of 91. For a monthly premium of $16, men can secure reliable coverage tailored to their needs. The company's reputation for high customer satisfaction and financial stability makes it a strong contender for those seeking peace of mind in their insurance choice.
Pros:
Cons:
Protective stands out as the premier choice for term life insurance in Tucson for women, thanks to its top MoneyGeek score of 92. With a monthly premium of $14, Protective offers a balance of value and security for its clients. Here are the key advantages and considerations to take into account when choosing Protective for your insurance needs.
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 the best whole life insurance provider in Tucson, with a MoneyGeek score of 92 for both men and women. This high score suggests that Protective offers a combination of affordability, customer satisfaction, a smooth buying process, financial stability, and product diversity, making it a solid choice for individuals seeking reliable life insurance coverage. Consumers can trust that they are getting a well-rounded policy from a top-rated company. Here are the top performers based on MoneyGeek scores:
Top whole life companies for men in Tucson:
Top whole life companies for women in Tucson:
Whole life insurance provides lifelong coverage and includes an investment component that can accumulate cash value. For example, someone may choose best whole life insurance over term life insurance to ensure permanent protection and the ability to borrow against the policy in the future.
Protective emerges as the top choice for whole life insurance in Tucson, achieving a MoneyGeek score of 92 for both men and women. The company's commitment to customer satisfaction and financial stability places it at the forefront for insurance seekers.
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 offers the best universal life insurance provider in Tucson for both women and men, boasting 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 leading provider of universal life insurance in Tucson for both men and women, boasting a MoneyGeek score of 91 for each group. Recognized for its excellence, Protective offers a blend of quality service and financial security that resonates with customers.
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.
Protective offers the best life insurance without a medical exam for both men and women in Tucson, 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.
For individuals in Tucson seeking no-medical-exam life insurance, Protective stands out as the top provider for both men and women, with MoneyGeek scores of 91 for each. This company's commitment to customer satisfaction and financial stability makes it a reliable choice for life insurance seekers.
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 men seeking the best term life insurance for seniors in Tucson, Mutual of Omaha leads with a MoneyGeek score of 91 and a monthly premium of $60. For women, Protective stands out with a score of 90 and a premium of $67.
Age is a determining factor in insurance premiums; as the risk of health issues increases with age, so does the cost. Mutual of Omaha and Protective offer a strong balance of affordability, customer satisfaction, and financial stability, making them top picks for seniors prioritizing these factors in their insurance search.
| 1 | Mutual of Omaha | $60 | 91 |
| 2 | Nationwide | $55 | 91 |
| 3 | Protective | $83 | 89 |
| 4 | Transamerica | $61 | 88 |
| 5 | Prudential | $55 | 87 |
| 6 | State Farm | $92 | 86 |
| 7 | Allstate | $92 | 85 |
| 8 | AAA | $107 | 85 |
| 9 | Haven | $126 | 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 Tucson, Mutual of Omaha leads with a MoneyGeek score of 90 and a monthly premium of $37. Women find their top choice in Allstate, with a score of 88 and an average premium of $26. Smoking impacts life insurance costs as insurers view smokers as higher risk, leading to increased premiums.
A high MoneyGeek score, like those of Mutual of Omaha and Allstate, reflects a company's strong performance across multiple metrics, ensuring that policyholders receive quality coverage at a reasonable cost. This information empowers smokers in Tucson to select a term life insurance policy that balances expenses with the security of a reputable provider.
| 1 | Mutual of Omaha | $37 | 90 |
| 2 | Nationwide | $36 | 89 |
| 3 | Allstate | $34 | 88 |
| 4 | Transamerica | $32 | 88 |
| 5 | Prudential | $29 | 88 |
| 6 | Protective | $56 | 87 |
| 7 | State Farm | $49 | 86 |
| 8 | AAA | $62 | 86 |
| 9 | Haven | $65 | 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.
In Tucson, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for women and 91 for men. The average monthly premium is $8 for women and $10 for men. Age plays a significant role in determining the cost of life insurance premiums.
Younger adults generally face lower premiums because they are considered lower risk. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability. For young adults in Tucson, choosing Protective ensures a balance of cost and comprehensive coverage.
| 1 | Protective | $10 | 91 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 91 |
| 4 | Transamerica | $11 | 87 |
| 5 | AAA | $16 | 86 |
| 6 | State Farm | $17 | 85 |
| 7 | Prudential | $14 | 85 |
| 8 | Haven | $14 | 84 |
| 9 | Allstate | $17 | 84 |
| 10 | Bestow | $19 | 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.
If you're looking for the best cheap term life insurance in Tucson, Nationwide stands out for men with a MoneyGeek score of 93 and a monthly premium of $15. For women, Protective is the top provider with a MoneyGeek score of 92 and a monthly premium of $14.
Factors that influence life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums possible, maintain a healthy lifestyle, choose a shorter term length, and opt for a lower coverage amount. Nationwide's high MoneyGeek score reflects its balance of affordability, customer satisfaction, and financial stability, making it a top choice for those seeking the best cheap term life insurance in Tucson.
| 1 | Nationwide | $15 | 93 |
| 2 | Mutual of Omaha | $16 | 91 |
| 3 | Protective | $18 | 90 |
| 4 | Transamerica | $17 | 89 |
| 5 | Prudential | $19 | 86 |
| 6 | AAA | $26 | 84 |
| 7 | Allstate | $26 | 83 |
| 8 | State Farm | $26 | 82 |
| 9 | Haven | $24 | 81 |
The average monthly premium for term life insurance in Tucson is $25 for women and $30 for men. These figures are rounded to the nearest whole number.
Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, policy term, and coverage amount, each of which can influence the overall cost of your premium.
Tucson's life insurance cost might be higher or lower than the rest of Arizona. Local health statistics, economic conditions, and specific risk factors unique to the area can all play a role. For instance, if Tucson has higher health risks or economic challenges, premiums might be higher. Conversely, if the area has lower risks, premiums might be lower.
Understanding these factors can help you make informed decisions when purchasing life insurance. Always consider your personal circumstances and the specific conditions of your location when evaluating insurance options.
Mutual of Omaha offers the best life insurance for men in Tucson. This is based on the MoneyGeek score of 91. The company ranks highest due to its strong customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Tucson is $33. This is offered by Mutual of Omaha, which has the highest MoneyGeek score for men.
Protective offers the best life insurance for women in Tucson. This is based on the MoneyGeek score of 92. The company excels in affordability and customer satisfaction.
The monthly premium cost for the best life insurance for women in Tucson is $26. This is offered by Protective, which has the highest MoneyGeek score for women.
Life insurance in Tucson may have slightly different premium costs and company ratings compared to other cities in Arizona. For example, Protective and Mutual of Omaha are top-rated in Tucson for women and men, respectively. However, other cities might have different top companies based on their specific demographics and market conditions.
If a life insurance company goes bankrupt in Tucson, your policy is generally protected by state guaranty associations. These associations step in to cover claims up to certain limits, ensuring that policyholders are not left without coverage. It's important to check the specific limits and protections offered by the Arizona Life and Disability Insurance Guaranty Fund.
Tucson residents might need life insurance to provide financial security for their families, cover outstanding debts, or ensure their children’s education is funded. Life insurance can also help with final expenses and estate planning, making it a crucial part of a comprehensive financial plan.
To find a lost life insurance policy in Tucson, you can start by checking through the deceased’s personal documents, contacting their financial advisors, or reaching out to insurance companies they may have used. Additionally, the Arizona Department of Insurance 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.
