Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Urban Honolulu, Hawaii, with a MoneyGeek score of 91 and average monthly premiums of $31 for men and $26 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider your age, health and coverage needs. Your unique situation 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 Urban Honolulu, Hawaii.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceUrban HonoluluBest Life Insurance Companies in Urban Honolulu
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.
Protective offers the best life insurance in Urban Honolulu, with a MoneyGeek score of 91 and average monthly premiums of $31 for men and $26 for women.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek customer satisfaction score and competitive premiums make it the top choice for life insurance.
Protective is Urban Honolulu's best life insurance provider, with a MoneyGeek score of 91 and average monthly premiums of $31 for men and $26 for women. It offers competitively priced coverage with top-notch customer service.
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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.
Protective has the best term life insurance in Urban Honolulu, with a MoneyGeek score of 91 and average monthly premiums of $13 for men and $12 for women. Its strong balance of affordability, customer satisfaction and financial stability make it a top choice for reliable coverage.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage for a specific time period and offers a death benefit to beneficiaries if the insured passes away during the term. Someone with young children might choose it to ensure financial security for their family without the long-term commitment of permanent life insurance.
In Urban Honolulu, Protective is the best term life insurance provider, earning a MoneyGeek score of 91. It balances affordability and high-quality service with low monthly premiums of $13 for men and $12 for women.
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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 offers the best whole life insurance in Urban Honolulu, with a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance is a type of permanent life insurance offering a death benefit with a cash value component. Someone seeking a stable, long-term investment in their insurance might opt for whole life insurance over term policies, which don't accumulate cash value.
In Urban Honolulu, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. It stands out for its customer satisfaction and financial stability.
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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.
Protective has Urban Honolulu's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong balance of affordability, customer satisfaction and financial stability.
Universal life insurance is a flexible policy that combines life coverage with an investment component. Someone might choose this insurance for its potential cash value growth, which can be used as a living benefit, over term life insurance that provides only a death benefit.
Protective is Urban Honolulu's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, it stands out for its affordability and quality service.
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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 in Urban Honolulu without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance with no mandatory medical exam allows prospective policyholders to get coverage quickly without needing a health checkup. Someone with a busy lifestyle or fearing medical procedures might choose this insurance for its convenience and fast approval.
In Urban Honolulu, Protective is the top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects its excellence in service and value.
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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.
Protective offers the best term life insurance for seniors in Urban Honolulu, with a MoneyGeek score of 90 and average monthly premiums of $58 for men and $52 for women.
Age affects premiums because health risks increase as people get older. Insurers consider this in their pricing. Protective's high score reflects a balance of affordability, customer satisfaction and financial stability, making it a reliable choice for seniors seeking life insurance.
| 1 | Protective | $58 | 90 |
| 2 | Allstate | $50 | 89 |
| 3 | Nationwide | $62 | 89 |
| 4 | Mutual of Omaha | $70 | 88 |
| 5 | Transamerica | $51 | 88 |
| 6 | Prudential | $57 | 86 |
| 7 | AAA | $72 | 86 |
| 8 | State Farm | $85 | 84 |
| 9 | Haven | $81 | 83 |
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.
Mutual of Omaha provides the best term life insurance for smokers in Urban Honolulu, with MoneyGeek scores of 90 for men and 89 for women. The average monthly premiums are $44 for males and $40 for females.
Smoking increases life insurance premiums due to health risks. Mutual of Omaha’s top scores for affordability, satisfaction, financial stability and product diversity make it the top choice for smokers.
| 1 | Mutual of Omaha | $44 | 90 |
| 2 | Nationwide | $45 | 89 |
| 3 | Protective | $57 | 88 |
| 4 | Transamerica | $32 | 88 |
| 5 | AAA | $47 | 88 |
| 6 | Prudential | $38 | 87 |
| 7 | State Farm | $52 | 86 |
| 8 | Allstate | $54 | 85 |
| 9 | Haven | $74 | 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.
Protective offers the best term life insurance for young adults in Urban Honolulu, with a MoneyGeek score of 92 and average monthly premiums of $8 for men and $7 for women.
Age significantly affects premiums because younger adults typically have lower health risks. Protective's high MoneyGeek score is due to its high customer satisfaction and competitive pricing.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $11 | 89 |
| 4 | AAA | $10 | 89 |
| 5 | Allstate | $7 | 89 |
| 6 | Transamerica | $7 | 88 |
| 7 | State Farm | $14 | 86 |
| 8 | Prudential | $11 | 86 |
| 9 | Haven | $14 | 85 |
| 10 | Bestow | $24 | 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.
In Urban Honolulu, Protective offers the best cheap term life insurance, with a MoneyGeek score of 91 and average monthly premiums of $13 for men and $12 for women.
Various factors influence premiums, including age, health, coverage amount and term length. To secure the lowest rates, maintain good health, choose a shorter term and opt for a lower coverage amount.
| 1 | Protective | $13 | 91 |
| 2 | Allstate | $12 | 91 |
| 3 | Transamerica | $12 | 90 |
| 4 | Nationwide | $16 | 88 |
| 5 | Mutual of Omaha | $17 | 87 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $17 | 85 |
| 8 | State Farm | $22 | 82 |
| 9 | Haven | $22 | 81 |
The average monthly premiums for term life insurance in Urban Honolulu are $25 for men and $22 for women. Several factors affect rates, including age, health, lifestyle, coverage amount and term length. Insurers evaluate these to assess the risk of covering someone.
Life insurance costs in Urban Honolulu may differ from those in the rest of Hawaii for several reasons. The city's higher cost of living can increase premiums, while local health statistics and specific risk factors also play a role. Demographic differences, such as age distribution and lifestyle choices, further impact insurance rates.
Understanding these factors can help you make informed decisions on your life insurance options.
Protective offers the best life insurance for men in Urban Honolulu, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in Urban Honolulu is $31.
Protective is the best life insurance company for women in Urban Honolulu, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Urban Honolulu is $26.
Life insurance in Urban Honolulu may differ from the rest of Hawaii in terms of premiums and coverage options. Due to their higher population density, urban areas often have more competitive rates. For example, Protective offers tailored policies for urban Honolulu residents, which may not be available in more rural areas.
If a life insurance company in Urban Honolulu goes bankrupt, state guaranty associations cover claims up to a certain limit, ensuring that policyholders don't lose their coverage entirely.
Urban Honolulu residents may need life insurance for their families' financial security. It can cover funeral expenses, pay off debts and replace lost income, helping families maintain their standard of living if the breadwinner passes away.
To find a lost life insurance policy in Urban Honolulu, check personal records and contact the deceased's financial advisors. You can also contact the Hawaii Department of Commerce and Consumer Affairs for assistance. Also, online tools and databases can help locate unclaimed 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.
