Updated: November 21, 2024
Advertising & Editorial Disclosure
For both men and women, the best life insurance company in Las Vegas, Nevada, is Protective, with a MoneyGeek score 92. The average monthly premium for women is $24, and for men, it is $26.
Different factors influence life insurance decisions, and 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 Las Vegas, Nevada.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceLas Vegas, NVBest Life Insurance Companies in Las Vegas
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.
In Las Vegas, Protective is the best life insurance provider for men and women. It has a MoneyGeek score of 92 and offers average monthly premiums of $26 for men and $24 for women.
Top providers for men:
Top providers for women:
Protective's affordability and customer satisfaction make it a reliable choice for life insurance in Las Vegas.
Protective is the premier life insurance provider in Las Vegas for men and women, with a MoneyGeek score of 92. Women can secure coverage at an average monthly premium of $24, while men can do the same for $26.
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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 is the best term life insurance provider in Las Vegas for both men and women. It has a MoneyGeek score of 92 and an average premium of $13 per month. This score suggests that Protective offers a reliable and cost-effective policy.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that covers a specified term and offers a death benefit if the insured passes away during the term. It's often chosen for its simplicity and lower cost than permanent life insurance. For example, a parent might opt for term life insurance to fund their child's education should anything happen to them.
Protective is the top option for term life insurance for men and women in Las Vegas, with a MoneyGeek score of 92. An average monthly premium of $13 means value with reliability.
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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.
Las Vegas residents seeking the best whole life insurance can turn to Protective, which has a MoneyGeek score of 92. It's a solid choice for those looking to secure their financial future with a reliable insurance policy.
Top whole life companies in Las Vegas:
Whole life insurance offers lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that they can borrow against in the future.
Protective is the premier option for the best whole life insurance in Las Vegas, boasting a MoneyGeek score of 92 for men and women. It offers robust coverage with affordability and exceptional customer service.
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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 is the best universal life insurance company in Las Vegas, with a MoneyGeek score of 91 for both men and women. Protective's high score suggests a balance of cost and quality service that could be beneficial for long-term financial planning.
Best universal life insurance companies:
Universal life insurance offers flexible premiums, a death benefit and the potential to build cash value over time. For instance, someone who wants to adjust their premiums and coverage as their financial situation changes might opt for universal life insurance over more rigid policies, providing security and flexibility.
For those seeking universal life insurance in Las Vegas, Protective is a reliable provider for men and women. It boasts a MoneyGeek score of 91, reflecting its commitment to 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 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.
The best no-medical-exam insurance provider in Las Vegas is Protective, with a MoneyGeek score of 91 for both men and women. This score suggests that Protective offers a combination of affordability, customer satisfaction and financial stability.
Best life insurance companies that do not require a medical exam:
Life insurance without a required medical exam allows individuals to obtain coverage quickly. This can be particularly beneficial for those who need immediate coverage or have health issues that could complicate a traditional application process. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid being denied or facing higher premiums.
In Las Vegas, Protective provides men and women with the best no-medical-exam life insurance, boasting a MoneyGeek score of 91.
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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.
In Las Vegas, Protective offers the best term life insurance for seniors. It received a MoneyGeek score of 92 for men and 91 for women and offers average monthly premiums of $56 and $55, respectively.
Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Protective's MoneyGeek score reflects its commitment to affordability, customer satisfaction, financial stability and product diversity.
| 1 | Protective | $56 | 92 |
| 2 | Mutual of Omaha | $63 | 91 |
| 3 | Nationwide | $58 | 90 |
| 4 | Allstate | $58 | 88 |
| 5 | AAA | $75 | 88 |
| 6 | Prudential | $55 | 88 |
| 7 | Transamerica | $70 | 87 |
| 8 | State Farm | $110 | 84 |
| 9 | Haven | $112 | 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.
In Las Vegas, Mutual of Omaha stands out with the best term life insurance for smokers. It got impressive MonetGeek scores of 90 for men and 89 for women, with average monthly premiums of $63 and $67, respectively.
Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha provides valuable coverage at competitive prices. This information is crucial for smokers who need a reliable policy that can accommodate their circumstances without compromising quality or cost.
| 1 | Mutual of Omaha | $63 | 90 |
| 2 | Nationwide | $68 | 89 |
| 3 | Protective | $87 | 88 |
| 4 | Prudential | $50 | 88 |
| 5 | Transamerica | $62 | 87 |
| 6 | State Farm | $82 | 86 |
| 7 | AAA | $112 | 85 |
| 8 | Allstate | $97 | 84 |
| 9 | Haven | $106 | 83 |
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 Las Vegas, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 and a monthly premium of approximately $8.
Age is crucial in determining life insurance premiums, with younger adults typically benefiting from lower rates. Choosing a reliable term life insurance is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 89 |
| 4 | AAA | $11 | 88 |
| 5 | Allstate | $10 | 88 |
| 6 | Transamerica | $10 | 87 |
| 7 | Prudential | $11 | 86 |
| 8 | Haven | $12 | 85 |
| 9 | State Farm | $19 | 84 |
| 10 | Bestow | $17 | 84 |
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 the best cheap term life insurance in Las Vegas, Protective is the top pick for both men and women. It has a MoneyGeek score of 92 and a monthly premium of about $13.
Factors such as age, health, coverage amount and term length affect life insurance costs. To get the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount.
| 1 | Protective | $13 | 92 |
| 2 | Nationwide | $16 | 91 |
| 3 | Mutual of Omaha | $15 | 90 |
| 4 | Allstate | $15 | 89 |
| 5 | Transamerica | $17 | 88 |
| 6 | AAA | $18 | 88 |
| 7 | Prudential | $17 | 88 |
| 8 | Haven | $21 | 84 |
| 9 | State Farm | $29 | 82 |
The average monthly premium for term life insurance in Las Vegas is $23 for women and $26 for men.
Many factors affect life insurance premiums, including age, health, lifestyle and the amount of coverage you choose. Insurers assess these factors to determine the risk for them by insuring you.
The cost of life insurance in Las Vegas might differ from the rest of Nevada due to local health statistics, economic conditions, specific regional risk factors and other reasons. For example, premiums might be higher if a region has higher health care costs or a higher case of certain health conditions. Conversely, areas with lower living costs or better overall health statistics might see lower premiums.
Always consider your circumstances and the specific conditions of your area when evaluating your options.
Protective has the best life insurance for men in Las Vegas.
The average monthly premium for the best life insurance for men in Las Vegas is $26. Protective offers this rate for men aged 31-40 with excellent health ratings and no tobacco use.
Protective offers the best life insurance for women in Las Vegas.
The average monthly premium for the best life insurance for women in Las Vegas is $24. Protective offers this rate for women aged 31-40 with excellent health ratings and no tobacco use.
Life insurance in Las Vegas may differ in terms of premiums and coverage options compared to other parts of Nevada. For instance, urban areas like Las Vegas might have higher premiums due to increased living costs and health risks. Additionally, the availability of specific insurance providers and their ratings can vary between cities.
State guaranty associations typically protect policyholders if a life insurance company goes bankrupt in Las Vegas. These associations cover claims up to a certain limit, ensuring that policyholders do not lose their coverage entirely. It is essential to check the specific limits and protections the Nevada Life and Health Insurance Guaranty Association offers.
Las Vegas residents might need life insurance to provide financial security for their families in the event of their death. Life insurance can cover funeral costs, outstanding debts and living expenses. It can also serve as an income replacement, ensuring that dependents maintain their standard of living, and can help with estate planning and charitable donations.
To find a lost life insurance policy in Las Vegas, check personal records and contact the deceased's financial advisors, employers and insurance agents. You can also use online tools and databases like the National Association of Insurance Commissioners' Life Insurance Policy Locator or unclaimed property databases maintained by the state.
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.
