Best Life Insurance in Gilbert, AZ (November 2024)

In Gilbert, Arizona, the best life insurance provider varies by gender based on MoneyGeek scores. For women, Protective leads with a MoneyGeek score of 92 and an average monthly premium of $38. For men, Mutual of Omaha ranks highest with a MoneyGeek score of 91 and a monthly premium of roughly $67. These scores and premium costs are based on a 20-year term policy and $500,000 coverage.

Different factors affect life insurance decisions. Your unique needs may mean a different company is best for you.

Mutual of Omaha offers the best life insurance for men in Gilbert with a MoneyGeek score of 91 out of 100 at $67 per month. For women, Protective is the top provider with a MoneyGeek score of 92 out of 100 at $38 per month.

Top providers for men:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $67 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $74 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $38 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $47 per month for women

Mutual of Omaha's high MoneyGeek score for men indicates strong customer satisfaction, financial stability and product diversity. Protective's top score for women highlights its affordability and overall value.

In Gilbert, Nationwide offers the best term life insurance for men with a MoneyGeek score of 91 at roughly $31 per month, while Protective leads for women with a score of 92 at $21 per month.

The top two term life insurance companies for men are:

• Nationwide: MoneyGeek score of 91 out of 100 at $31 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $33 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $21 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $27 per month for women

Term life insurance provides coverage for a set period, paying a benefit if the insured dies during that time. For example, a parent might buy it to cover their child’s education if they pass away unexpectedly.

For those seeking the best whole life insurance in Gilbert, Protective stands out for both men and women, with a MoneyGeek score of 92 out of 100.

• Protective: MoneyGeek score of 92 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance is a type of permanent life insurance that provides coverage for the insured's life, coupled with a savings component. For example, someone might choose whole life insurance over term life insurance to ensure lifelong coverage and build cash value that can be borrowed against in the future.

Protective stands out as the provider of the best universal life insurance in Gilbert for both men and women, with a MoneyGeek score of 91.

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

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over term life insurance for the potential to accumulate cash value, which can be used to supplement retirement income.

In Gilbert, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 9o and 91, respectively.

Best no-medical-exam life insurance for men:

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

Best life insurance for women that does not require a medical exam:

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

Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

Protective offers the best term life insurance for seniors in Gilbert for women, with a MoneyGeek score of 90 and an average monthly premium of $100. For men, Mutual of Omaha leads with a score of 91 and a monthly premium of $123.

Age impacts life insurance premiums, as the risk to the insurer increases with the policyholder's age. Protective and Mutual of Omaha provide a balance of affordability, customer satisfaction, financial stability and product diversity. This mix contributes to their high MoneyGeek scores, making them the preferred options for seniors seeking reliable coverage.

For men seeking the best term life insurance for smokers in Gilbert, Mutual of Omaha leads with a MoneyGeek score of 91 and an average monthly premium of $75. For women, Allstate stands out with a score of 88 and a premium of $38.

Smoking impacts life insurance premiums, as insurers account for the heightened risk it poses to an individual's health. The top scores reflect a company's strong performance across various factors, including affordability and customer satisfaction.

Protective offers the best term life insurance for young adults in Gilbert. It has a MoneyGeek Score of 92 and an average monthly premium of $12 for women and a score of 91 with a $21 monthly premium for men.

Age plays a significant role in determining life insurance premiums. Younger individuals often benefit from lower premiums due to their lower risk profile. Protective stands out with its high MoneyGeek score, indicating a balanced offering of affordability, customer satisfaction and financial stability.

For men, Nationwide offers the best cheap term life insurance in Gilbert with a MoneyGeek Score of 93 and a monthly premium of roughly $31. For women, Protective is the top provider with a MoneyGeek Score of 92 and a monthly premium of $21.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, individuals should maintain good health, choose a shorter term length and opt for a lower coverage amount. Nationwide and Protective have the highest MoneyGeek scores due to their excellent affordability, customer satisfaction and financial stability.

The average monthly premium for term life insurance in Gilbert is $37 for women and $62 for men. These figures highlight the cost difference based on gender in this area.

Several factors affect the cost of life insurance premiums. Age, health, lifestyle, occupation, policy term, coverage amount and the insurer all play a role in determining the price you pay.

In Gilbert, the cost of life insurance might be influenced by local health statistics, cost of living, crime rates, and economic conditions. These local factors can cause premiums to be higher or lower compared to other parts of Arizona. Understanding these elements can help you make more informed decisions about your life insurance needs.