Updated: November 21, 2024
Advertising & Editorial Disclosure
For the best life insurance in Tulsa, Oklahoma, Mutual of Omaha scores highest for men, with a MoneyGeek score of 91 and an average monthly premium of $40. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $27. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding what type of life insurance to buy. 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 Tulsa, Oklahoma.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceTulsa, OKBest Life Insurance Companies in Tulsa
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 Tulsa, Oklahoma, with a MoneyGeek score of 91 and an average monthly premium of $40. For women, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $27.
Top providers for men:
Top providers for women:
Mutual of Omaha and Protective stand out due to their high MoneyGeek scores. Both companies excel in customer satisfaction, financial stability and affordability. For the average individual looking to purchase life insurance in Tulsa, they offer a balanced combination of cost and quality.
For men in Tulsa seeking life insurance, Mutual of Omaha is the top choice, with a MoneyGeek score of 92 and an average monthly premium of $40. For women, Protective leads with a MoneyGeek score of 91 and a monthly premium of around $27.
Mutual of Omaha
Pros:
Cons:
Protective
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.
In Tulsa, Mutual of Omaha is the leading provider of the best term life insurance for men, with a MoneyGeek score of 91 and an average monthly premium of $20. Protective leads for women with a MoneyGeek score of 92 and a monthly premium of around $14. These companies offer competitive rates and high customer satisfaction, making them prime options for individuals seeking reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides financial protection for a specific period, ensuring that loved ones are covered without committing to a permanent policy. For example, a parent might choose term life insurance to cover the years until their children are financially independent.
Mutual of Omaha is the premier choice for men seeking the best term life insurance in Tulsa. With a MoneyGeek score of 91, the company offers excellent coverage at a monthly premium of about $20. This insurer is distinguished by its commitment to customer satisfaction and financial strength, making it a reliable option for policyholders.
Pros:
Cons:
Protective is the premier choice for women seeking term life insurance in Tulsa, with a MoneyGeek score of 92. With an average monthly premium of $14, it balances value and quality service. Consumers can expect a robust financial foundation and high satisfaction rates, making Protective a reliable insurance partner.
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.
In Tulsa, Protective provides the best whole life insurance for men and women, with a MoneyGeek score of 92 for both. This score reflects the company's strong performance across customer satisfaction, financial stability and product diversity, making it an excellent choice for those searching for reliable life insurance coverage.
Top whole life companies for men in Tulsa:
Top whole life companies for women in Tulsa:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. An individual might choose whole life insurance over term policies for the potential to build cash value, which can be borrowed against or used to pay premiums. It's a financial tool designed for those who appreciate predictability and long-term planning.
For those seeking the best whole life insurance in Tulsa, Protective is the top choice for men and women, with a MoneyGeek score of 92 for both. This score reflects a blend of affordability, customer satisfaction and financial stability.
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 provides the best universal life insurance in Tulsa, with a MoneyGeek score of 91 for men and women. This high score reflects the company's excellence in customer satisfaction, financial stability and product diversity, making it an optimal choice for individuals seeking reliable and comprehensive coverage.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a type of permanent life insurance with a cash value component that can grow over time. It offers flexibility in premium payments and death benefits. For example, someone might choose universal life insurance to provide long-term financial security for their family while enjoying the potential for cash value growth that can be borrowed against in the future.
Protective is the best provider of universal life insurance in Tulsa for men and women, with a MoneyGeek score of 91 for both. The company's commitment to customer satisfaction and financial stability makes it a reliable choice for insurance seekers.
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.
For those seeking the best no-medical-exam life insurance in Tulsa, Protective stands out with a MoneyGeek score of 91 for men and women. The company offers the best balance of affordability, customer satisfaction and financial stability, making it a strong choice for individuals looking for reliable coverage without the hassle of a medical examination.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance with no mandatory medical exam provides coverage without needing a physical exam. It can benefit those with health concerns or a need for quick coverage. For example, someone with a chronic illness might choose no medical exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
In Tulsa, Protective is the premier choice for life insurance without a required medical exam, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and value.
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 in Tulsa, Mutual of Omaha offers the best term life insurance for seniors, with a MoneyGeek score of 91 and an average monthly premium of $80. Women find their top choice in Protective, with a MoneyGeek score of 91 and a more affordable monthly premium of around $61.
Age is a pivotal factor in determining life insurance premiums; the probability of health-related issues increases as individuals age, which in turn elevates the risk for insurers. This risk is reflected in the cost of premiums. Mutual of Omaha's and Protective's MoneyGeek scores reflect a balance of affordability, customer satisfaction, ease of the buying process and financial stability. These aspects are crucial for seniors prioritizing cost and quality in their life insurance.
| 1 | Mutual of Omaha | $80 | 91 |
| 2 | Protective | $85 | 91 |
| 3 | Nationwide | $67 | 91 |
| 4 | Allstate | $76 | 88 |
| 5 | Prudential | $78 | 87 |
| 6 | Transamerica | $89 | 87 |
| 7 | AAA | $129 | 85 |
| 8 | State Farm | $120 | 85 |
| 9 | Haven | $149 | 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 and women in Tulsa seeking the best term life for smokers, Mutual of Omaha stands out with the highest MoneyGeek scores of 90 and 88, respectively. The average monthly premium is $44 for both genders.
Smoking affects life insurance premiums significantly, as insurers assess smokers as higher risk, leading to higher costs. Mutual of Omaha's top score reflects its strong customer satisfaction, financial stability and product diversity, making it a leading choice for term life insurance for smokers.
| 1 | Mutual of Omaha | $44 | 90 |
| 2 | Nationwide | $44 | 89 |
| 3 | Protective | $63 | 88 |
| 4 | Transamerica | $39 | 88 |
| 5 | Prudential | $35 | 88 |
| 6 | AAA | $73 | 85 |
| 7 | State Farm | $59 | 85 |
| 8 | Allstate | $59 | 85 |
| 9 | Haven | $76 | 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 Tulsa, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premium is $13 for men and $9 for women.
Age is a crucial factor in determining life insurance premiums. Younger adults typically benefit from lower rates due to their lower risk profiles. Protective's high MoneyGeek score is attributed to its affordability, strong customer satisfaction and financial stability. Choosing Protective can provide security for young adults seeking reliable term life insurance.
| 1 | Protective | $13 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Allstate | $12 | 88 |
| 5 | Transamerica | $13 | 87 |
| 6 | AAA | $20 | 86 |
| 7 | Prudential | $16 | 85 |
| 8 | State Farm | $21 | 85 |
| 9 | Haven | $16 | 85 |
| 10 | Bestow | $23 | 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 Tulsa, Nationwide stands out for men, 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 around $14. Nationwide and Protective score highly due to their affordability, customer satisfaction and financial stability.
Various factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain excellent health, choose a shorter term length and opt for a lower coverage amount.
| 1 | Nationwide | $18 | 93 |
| 2 | Mutual of Omaha | $20 | 91 |
| 3 | Protective | $20 | 91 |
| 4 | Allstate | $19 | 90 |
| 5 | Transamerica | $22 | 88 |
| 6 | Prudential | $24 | 86 |
| 7 | AAA | $31 | 84 |
| 8 | State Farm | $32 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly premium for term life insurance in Tulsa is $26 for women and $35 for men. Several factors affect the cost of life insurance premiums, including age, health, lifestyle, occupation and the amount of coverage chosen.
In Tulsa, the cost of life insurance might be higher or lower than that in the rest of Oklahoma due to local health statistics, economic conditions and specific risk factors. Understanding these factors can help consumers make informed decisions when purchasing life insurance.
Mutual of Omaha has the best life insurance for men in Tulsa. Its MoneyGeek score of 91 out of 100 reflects its affordability, customer satisfaction and financial stability.
The average monthly premium for the best life insurance for men in Tulsa is $40. Mutual of Omaha offers this cost, reflecting the price for a 20-year term policy with a coverage amount between $250,000 and $500,000.
Protective has the best life insurance for women in Tulsa. Its MoneyGeek score of 92 out of 100 considers factors such as affordability, customer satisfaction and financial stability.
The average monthly premium for the best life insurance for women in Tulsa is $27. Protective provides this cost for a 20-year term policy with coverage between $250,000 and $500,000.
Life insurance in Tulsa may offer different premium rates and company options compared to other parts of Oklahoma. For example, Protective and Mutual of Omaha have top scores in Tulsa, but other cities might have different top-rated companies. Consumers should compare local and statewide options for the best fit.
If a life insurance company goes bankrupt in Tulsa, policyholders are generally protected by state guaranty associations. These associations provide coverage up to certain limits, ensuring that policyholders do not lose their benefits entirely. It is essential to understand the specific protections available in Oklahoma.
Tulsa residents might need life insurance to provide financial security for their families in case of their untimely death. It can cover expenses such as mortgage payments, education costs and daily living expenses, ensuring that loved ones are not financially burdened.
To find a lost life insurance policy in Tulsa, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to insurance companies directly and utilize services 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.
