Updated: November 21, 2024
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In Frisco, Texas, the best life insurance provider for men and women is Protective. For women, the MoneyGeek score is 92, with a monthly premium of $52. For men, the MoneyGeek score is 91, with a monthly premium of $103.
When deciding on life insurance, consider different factors such as your age, health and financial stability. 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 Frisco, Texas.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceFrisco, TXBest Life Insurance Companies in Frisco
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 Frisco for men and women, with a MoneyGeek score of 91 out of 100 for men at $103 per month and 92 out of 100 for women at $52 per month.
The top providers for men are:
The top providers for women are:
Protective's high scores indicate it provides a strong balance of affordability, customer satisfaction and financial stability. This makes it an excellent choice for the average individual looking to purchase life insurance in Frisco.
Protective emerges as the best life insurance provider in Frisco for men and women, with a MoneyGeek score of 91 for both. Women can benefit from a monthly premium of $52, while men's premium stands at $103. Protective's high scores across multiple dimensions underscore its commitment to customer satisfaction and financial stability.
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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.
For women seeking the best term life insurance in Frisco, Protective stands out with a MoneyGeek score of 92 at $28 per month. Men will find Mutual of Omaha to be the top choice with a score of 91 at $50 per month.
The top providers for men are:
Mutual of Omaha: MoneyGeek score of 91 out of 100 at $50 per month for men
Protective: MoneyGeek score of 91 out of 100 at $51 per month for men
Protective: MoneyGeek score of 92 out of 100 at $28 per month for women
Mutual of Omaha: MoneyGeek score of 90 out of 100 at $38 per month for women
Term life insurance is a policy where coverage is provided for a specific period. For example, a parent might choose term insurance to ensure their child's education costs are covered in the event of their untimely passing. This type of insurance is often selected for its affordability and simplicity compared to whole life insurance.
For men seeking term life insurance in Frisco, Mutual of Omaha stands out with a MoneyGeek score of 91. The monthly premium is a reasonable $50, presenting a solid option for those prioritizing both quality and cost.
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Protective stands out as the premier choice for term life insurance in Frisco for women, with a MoneyGeek score of 92. With a monthly premium of $28, it offers a blend of value and quality service that resonates with customers.
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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.
For those seeking the best whole life insurance in Frisco, Protective stands out with a MoneyGeek score of 92 for men and women. This score indicates a strong performance across affordability, customer satisfaction, buying process and financial stability, making it a reliable choice for the average individual looking for comprehensive life insurance coverage.
The top providers for men are:
The top providers for women are:
Whole life insurance is a type of permanent life insurance that offers a death benefit along with a savings component. This allows the policy to accumulate cash value over time, which can be a financial safety net or serve as an investment opportunity. For example, someone might prefer whole life insurance to term life insurance if they are interested in lifelong coverage with the added benefit of cash value growth.
Protective stands out as the premier choice for whole life insurance in Frisco for men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to delivering quality insurance solutions to its customers.
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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.
For individuals in Frisco seeking the best universal life insurance, Protective stands out as the top provider for men and women, with a MoneyGeek score of 91. This score reflects Protective's strong performance across affordability, customer satisfaction, buying process and financial stability metrics, making it an excellent choice for the average person in need of universal life insurance coverage.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexibility in premiums and death benefits, which can be appealing for someone who wants long-term coverage with the potential for cash value growth. For instance, a young professional might choose universal life insurance to lock in low premiums while also investing in their future financial stability.
Protective stands out as the premier provider of universal life insurance in Frisco, offering top-tier services to men and women. With a MoneyGeek score of 91 for both, Protective ensures comprehensive coverage and satisfaction across the board. The company's high scores reflect a commitment to excellence in several key areas, making it a reliable choice for life insurance seekers in Frisco.
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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 company emerges as the premier provider of the best life insurance without a required medical exam in Frisco, with a MoneyGeek score of 91 for men and women. This top score reflects Protective's commitment to offering a product that balances cost, customer satisfaction, and financial stability.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage quickly and without the hassle of health screenings. For example, a busy professional in Frisco may opt for this insurance to secure immediate protection without the delay of scheduling and undergoing a medical examination.
Protective is the leading provider of no-medical-exam life insurance in Frisco, securing the top spot 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 those seeking life insurance without the hassle of a medical exam.
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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.
The best term life insurance for seniors in Frisco is Protective for women, with the top MoneyGeek score of 92 and a monthly premium of $120. Men find the best term life insurance with Mutual of Omaha, scoring 91 and a monthly premium of $204.
Age influences life insurance premiums; older individuals often face higher rates due to increased risk. Protective and Mutual of Omaha lead with strong scores in affordability, customer satisfaction, and financial stability.
| 1 | Mutual of Omaha | $204 | 91 |
| 2 | Nationwide | $168 | 91 |
| 3 | Protective | $219 | 90 |
| 4 | Prudential | $203 | 86 |
| 5 | Transamerica | $231 | 86 |
| 6 | Allstate | $274 | 86 |
| 7 | AAA | $321 | 85 |
| 8 | State Farm | $305 | 85 |
| 9 | Haven | $372 | 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 Frisco, Mutual of Omaha leads with a MoneyGeek score of 91 and a monthly premium of $112. For women, Allstate stands out with a score of 89 and a premium of $53.
Smoking significantly influences life insurance premiums due to the associated health risks, which is reflected in the costs. Mutual of Omaha and Allstate have earned their high MoneyGeek scores through a combination of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $112 | 91 |
| 2 | Nationwide | $104 | 90 |
| 3 | Allstate | $101 | 88 |
| 4 | Transamerica | $101 | 88 |
| 5 | Protective | $157 | 88 |
| 6 | Prudential | $95 | 88 |
| 7 | State Farm | $148 | 85 |
| 8 | AAA | $182 | 85 |
| 9 | Haven | $181 | 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 Frisco, Protective offers the best term life insurance for young adults with a MoneyGeek score of 92 and a monthly premium of $31 for men and $17 for women. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability, and financial stability.
Age plays a crucial role in determining life insurance premiums. Younger adults typically benefit from lower premiums due to their lower risk of health issues.
| 1 | Protective | $31 | 92 |
| 2 | Mutual of Omaha | $31 | 91 |
| 3 | Nationwide | $30 | 91 |
| 4 | Transamerica | $34 | 87 |
| 5 | AAA | $49 | 85 |
| 6 | Prudential | $41 | 85 |
| 7 | State Farm | $51 | 85 |
| 8 | Allstate | $51 | 85 |
| 9 | Haven | $41 | 84 |
| 10 | Bestow | $55 | 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 men in Frisco, Nationwide offers the best cheap term life insurance with a MoneyGeek score of 93 and a monthly premium of $46. For women, Protective leads with a MoneyGeek score of 92 and a monthly premium of $28.
Premiums are influenced by factors such as age, health, coverage amount and term length. To secure the lowest premiums, maintain a healthy lifestyle, choose a shorter term and opt for a lower coverage amount. Nationwide and Protective score high due to their affordability, customer satisfaction and financial stability.
| 1 | Nationwide | $46 | 93 |
| 2 | Mutual of Omaha | $50 | 91 |
| 3 | Protective | $51 | 91 |
| 4 | Transamerica | $55 | 88 |
| 5 | Prudential | $61 | 86 |
| 6 | AAA | $78 | 84 |
| 7 | Allstate | $78 | 84 |
| 8 | State Farm | $80 | 82 |
| 9 | Haven | $71 | 82 |
The average monthly premium for term life insurance in Frisco is $52 for women and $92 for men. Many factors influence the cost of life insurance premiums. These include age, health, lifestyle choices, occupation and the amount of coverage desired. Insurers assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Frisco might differ from the rest of Texas due to several reasons. Regional economic conditions, such as the cost of living and average income levels, can affect premium rates. Additionally, access to quality healthcare and prevalent lifestyle habits in the area can influence the overall risk profile of residents.
Protective offers the best life insurance for men in Frisco, with the highest MoneyGeek score of 91. Protective excels in customer satisfaction and financial stability
The monthly premium cost for the best life insurance for men in Frisco is $103. This cost is associated with Protective, which provides excellent coverage and customer satisfaction.
Protective is the best life insurance company for women in Frisco. With a MoneyGeek score of 92, Protective stands out for its customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Frisco is $52. Protective, which combines affordability with high customer satisfaction and financial stability, offers this rate.
Life insurance in Frisco does not differ significantly from the rest of Texas. The same companies operate statewide, and the policies are regulated uniformly. However, local factors such as demographics and health statistics may influence individual premiums. For example, Frisco's growing population might affect demand and pricing.
If a life insurance company goes bankrupt in Frisco, state guaranty associations step in to protect policyholders. These associations ensure that claims are paid and policies remain in force, up to certain limits. Policyholders should contact their state's insurance department for specific coverage details.
Frisco residents might need life insurance for several reasons. It provides financial security for families, covering expenses like mortgages, educatio and daily living costs. Life insurance also helps with estate planning and can pay off debts, ensuring loved ones are not burdened financially.
To find a lost life insurance policy in Frisco, contact the Texas Department of Insurance. They can assist in locating policies. Additionally, online tools and databases like the National Association of Insurance Commissioners' Life Insurance Policy Locator can be helpful. Check with the deceased's financial advisors and review their records.
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.
