Best Life Insurance in Fort Worth, TX (October 2024)

The best life insurance in Fort Worth, Texas, is from Protective for men and women. With a MoneyGeek score of 92 for women and 91 for men, Protective offers competitive premium costs of $32 for women and $46 for men. These scores and premium costs are based on a 20-year term policy and $500,000 coverage. Your unique needs may mean a different company is best for you.

When deciding on the type of life insurance to buy, consider factors such as coverage amount, term length and your financial situation. Choosing the right policy can provide peace of mind and financial security for your loved ones.

Protective offers the best life insurance in Fort Worth for both men and women, with a MoneyGeek score of 91 for men and 92 for women, and monthly premiums of $46 and $32 respectively.

The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 at $46 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $45 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $32 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $42 per month for women

Protective stands out due to its high MoneyGeek scores and affordable premiums. This makes it a reliable choice for individuals seeking life insurance in Fort Worth. The company's balance of cost and quality ensures that policyholders receive excellent value and security.

For men seeking the best term life insurance in Fort Worth, Mutual of Omaha stands out with a MoneyGeek score of 91 at $22 per month. Women will find Protective offers the best value, with a score of 92 at $17 per month. These providers deliver on affordability and customer satisfaction, making them top choices for people prioritizing financial stability and a smooth buying process.

The top providers for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $22 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $23 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $17 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $24 per month for women

Term life insurance provides coverage for a specified period, offering a death benefit if the insured passes away during the term. For example, a parent might choose term life insurance to ensure their child's education costs are covered until graduation. It's often preferred for its lower premiums and straightforward protection.

Protective has the best whole life insurance in Fort Worth, with a MoneyGeek score of 92 for men and women. This score indicates a strong financial foundation, customer satisfaction and product diversity.

The top providers 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

The top providers for women 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 is a permanent policy that provides coverage for the insured's entire life. It includes a savings component, which can accumulate cash value over time. For instance, someone might choose this insurance over term life insurance for the benefit of guaranteed cash value growth, which can be a form of long-term investment or financial security for heirs.

When searching for the best universal life insurance in Fort Worth, Protective stands out with a MoneyGeek score of 91 for men and women. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a strong choice for individuals seeking a reliable universal life insurance policy. The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

The top providers for women are:

• 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 type of permanent life insurance that combines a death benefit with a savings component. For example, someone might choose universal life insurance over term life insurance for the potential to accumulate cash value that can grow over time.

Protective stands out in Fort Worth as the provider of the best life insurance with no mandatory medical exam for men and women, with a MoneyGeek score of 91. This score indicates a strong combination of affordability, customer satisfaction and financial stability.

The top providers for men are:

• Protective: MoneyGeek score of 91 out of 100 for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

The top providers for women are:

• 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 allows individuals to obtain coverage more quickly and without the need for a health exam, which can be a significant advantage for those with health concerns or a need for immediate coverage. For example, someone with a chronic illness might opt for this insurance to avoid the potential for higher rates or denial of coverage that could result from a medical exam.

In Fort Worth, Mutual of Omaha stands out for men seeking the best term life insurance for seniors, with a MoneyGeek score of 91 and a monthly premium of $90. For women, Protective leads with a score of 92 and a monthly premium of $75.

Age influences life insurance premiums; as people enter their senior years, the risk to insurers increases, leading to higher costs. The MoneyGeek score reflects a provider's overall value based on various metrics.

In Fort Worth, Mutual of Omaha stands out with the highest MoneyGeek score for men seeking the best term life insurance for smokers, scoring 91 with a monthly premium of $50. For women, Allstate leads with a score of 89 and a monthly cost of $33.

Smoking is a key factor in determining life insurance premiums due to the associated health risks, which can lead to higher costs for smokers. The top scores reflect the insurers' balance of affordability, customer satisfaction and financial stability. These scores are particularly relevant for smokers in Fort Worth, where the right coverage can provide peace of mind despite the higher premiums associated with smoking.

In Fort Worth, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 and monthly premiums of $11 for women and $14 for men. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.

Age plays a significant role in determining life insurance premiums. Generally, younger individuals pay lower rates because they are considered lower risk by insurers.

For men seeking the best cheap term life insurance in Fort Worth, Nationwide stands out with a MoneyGeek score of 93 and a monthly premium of $20. For women, Protective is the top choice, boasting a MoneyGeek score of 92 and a monthly premium of $17. Various factors influence the cost of premiums, including age, health, coverage amount, term length and tobacco use.

Maintaining good health and avoiding tobacco can help secure the lowest premiums. Choosing appropriate coverage and term length also plays a crucial role. Nationwide and Protective earned their top spots due to its high affordability, customer satisfaction and financial stability scores.

The average monthly cost of term life insurance in Fort Worth is $33 for women and $41 for men. Several factors affect life insurance premiums. These include age, health, lifestyle, policy type and coverage amount. Each of these can influence the cost you pay monthly.

In Fort Worth, life insurance costs might differ from the rest of Texas due to various reasons. Local health statistics and regional risk factors can play a role. The cost of living in Fort Worth and competition among insurers also affect premium rates.