Best Life Insurance in Killeen, TX (November 2024)

In Killeen, Texas, Protective offers the best life insurance for both men and women. The MoneyGeek score for women is 92, with a monthly premium of $25. For men, the score is 91, with a monthly premium of $38. These scores and premiums are based on a 20-year term policy with $500,000 coverage. Different factors should be considered when deciding on life insurance. Your unique needs may mean a different company is best for you.

Protective offers the best life insurance in Killeen for both men and women. It has a MoneyGeek score of 91 and an average monthly premium of $38 for men and a score of 92 and a monthly premium of $25 for women.

Top providers for men:

• Protective: MoneyGeek score of 91 out of 100 at $38 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $38 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $25 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for women

Protective is the best choice for the average individual looking to purchase life insurance in Killeen due to its high MoneyGeek scores and competitive monthly premiums. The company excels in customer satisfaction, financial stability, and product diversity, making it a reliable and comprehensive option for life insurance.

For men seeking the best term life insurance in Killeen, Mutual of Omaha stands out with a MoneyGeek score of 91 at $18 per month. Women find the best offering with Protective, scoring 92 at $14 per month. These companies provide reliable coverage and financial stability, crucial for individuals looking to secure their family's future without overcomplicating their finances.

The top two term life insurance companies for men are:

• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $18 per month for men
• Protective: MoneyGeek score of 91 out of 100 at $19 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $14 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $19 per month for women

Term life insurance is a policy that provides coverage for a specified term, offering a death benefit without an investment component. This type of insurance is ideal for those who need coverage for a certain period, such as until their children are financially independent. It's often chosen for its simplicity and lower premiums compared to whole life insurance.

Protective offers the best whole life insurance in Killeen, with a MoneyGeek score of 92 for both men and women. This score suggests that Protective offers a blend of affordability, customer satisfaction and financial stability that is well-suited for the average individual.

Top whole life companies for men in Killeen:

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

Top whole life companies for women in Killeen:

• 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 both a death benefit and accumulates cash value over time. You might choose best whole life insurance over term life insurance for its lifelong coverage and potential to grow cash value.

Protective company stands out as the top provider of the best universal life insurance in Killeen for both men and women, boasting a MoneyGeek score of 91 for each. This score indicates a strong balance of affordability, customer satisfaction, and financial stability, making Protective a solid choice for individuals seeking reliable life insurance coverage. The top two highest MoneyGeek scores for life insurance providers in Killeen are as follows:

Best universal life insurance for men:

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

Best universal life insurance for women:

• 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 policy that combines life coverage with an investment savings element. It's an appealing option for those who want the potential for cash value growth alongside their insurance. For example, someone might choose universal life insurance for its ability to accumulate cash value over time, which can be used in retirement or as a financial safety net.

Protective provides the best life insurance without a medical exam for both men and women in Killeen, with a MoneyGeek score of 91. This score indicates a robust offering that combines affordability, customer satisfaction and financial stability, making it an excellent choice for the average individual in the market for this type of insurance policy. The top scores for this insurance are:

Best no-medical-exam life insurance for men:

• Protective: MoneyGeek score of 91 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

This type of life insurance does not require a medical examination for approval, offering a quicker and more convenient option for coverage. For instance, someone with a busy schedule or a dislike of medical appointments might choose this insurance to ensure they are covered without worrying about a traditional health assessment.

In Killeen, Protective stands out for women with the best term life insurance for seniors, boasting a MoneyGeek score of 92 and a monthly premium of $59. For men, Mutual of Omaha leads with a score of 91 and an average monthly premium of $75. Age influences life insurance premiums, with costs generally increasing as individuals enter older age brackets.

The high MoneyGeek scores of Protective and Mutual of Omaha reflect their strong performance across various metrics, including affordability, customer satisfaction and financial stability. These factors are vital for seniors in Killeen seeking reliable and economically sensible life insurance options.

For men seeking the best term life insurance for smokers in Killeen, Mutual of Omaha stands out with a MoneyGeek score of 91 and an average monthly premium of $41. Women, on the other hand, will find Allstate at the top with a score of 89 and a premium of $26.

Smoking significantly influences life insurance premiums due to the higher health risks associated with tobacco use. Insurers often charge smokers higher rates to account for this increased risk. The leading scores for Mutual of Omaha and Allstate reflect their strong performance across various metrics, including affordability and customer satisfaction, making them reliable choices for individuals prioritizing financial stability and value.

In Killeen, Protective offers the best term life insurance for young adults with a MoneyGeek score of 92. Average monthly premiums are $8 for women and $12 for men. Age significantly impacts life insurance premiums, with younger individuals generally benefiting from lower rates.

Protective's high scores in affordability, customer satisfaction, and financial stability contribute to its top ranking. For those seeking the best term life insurance for young adults, Protective stands out as a reliable choice.

For the best cheap term life insurance in Killeen, Protective stands out for women with a MoneyGeek score of 92 and a monthly premium of $14 for women. Nationwide is the best cheap term insurance option for men with a score of 93 and an average monthly premium of $17.. Factors affecting life insurance premiums include age, health, and the amount of coverage.

To get the lowest premiums, maintain a healthy lifestyle, choose a suitable coverage amount, and compare different providers. Protective's high scores in affordability, customer satisfaction and financial stability make it the top choice for term life insurance in Killeen.

The average monthly premium for term life insurance in Killeen is $26 for women and $34 for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, the amount of coverage, the term of the policy, and the insurer. For example, younger individuals and those in good health typically pay lower premiums. Lifestyle choices, such as smoking, can increase costs.

The cost of life insurance in Killeen might differ from other areas in Texas due to local economic conditions and regional health statistics. Economic factors such as income levels and employment rates can impact premium costs. Additionally, regional health statistics, including the prevalence of certain diseases, can influence insurers' risk assessments.