Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in North Las Vegas, Nevada, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average premium of $29 per month.
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 North Las Vegas, Nevada.
Coverage costs and company information for life insurance providers were updated in October 2024.
BestLife InsuranceNorth Las VegasBest Life Insurance Companies in North 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.
Protective is the best life insurance for both men and women in North Las Vegas. It received a MoneyGeek score of 92 and offers monthly premiums of about $26 for men and $22 for women.
Top providers for men:
Top providers for women:
Protective combines affordability, customer satisfaction and financial stability.
In North Las Vegas, Protective stands out as the premier choice for life insurance for both men and women. With a MoneyGeek Score of 92, Protective offers average monthly premiums of $22 for women and $26 for men, reflecting a strong balance of cost and quality service.
Pros:
Cons:
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.
In North Las Vegas, Protective is the leading provider of the best term life insurance for both men and women. It earned a MoneyGeek score of 92 with monthly premiums of about $13 for men and $12 for women.
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 premier choice for term life insurance in North Las Vegas for men and women, boasting a MoneyGeek score of 92. With average monthly premiums of just $13 and $12, it offers a balance of cost and quality service.
Pros:
Cons:
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.
In North Las Vegas, Protective provides the best whole life insurance for men and women, with a MoneyGeek score of 92. Residents of North Las Vegas looking for whole life insurance would benefit from Protective's well-rounded offerings and high customer satisfaction rates.
Top whole life companies in North 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.
For those seeking reliable whole life insurance in North Las Vegas, Protective is the top choice for both men and women. It earned a MoneyGeek score of 92 for its exceptional customer satisfaction and strong financial stability.
Pros:
Cons:
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.
In North Las Vegas, Protective is the best universal life insurance provider for both men and women, with a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction and financial stability.
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.
Protective is the leading provider of universal life insurance in North Las Vegas for men and women, with a MoneyGeek score of 91. This score signifies strong customer satisfaction, affordability and financial stability.
Pros:
Cons:
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 is the top provider of the best no-medical-exam life insurance in North Las Vegas, with a MoneyGeek score of 91 for men and women. This score reflects the company's reliable coverage without the hassle of a medical exam.
Best no-medical-exam life insurance companies:
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.
Protective offers the best life insurance with no mandatory medical exam for men and women in North Las Vegas. With an overall MoneyGeek score of 91, it is committed to customer satisfaction and value.
Pros:
Cons:
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 North Las Vegas, Protective is the best term life insurance for seniors, getting a MoneyGeek score of 92 for men and 91 for women. Men can expect a monthly premium of about $55, while women are quoted $51.
Age is a factor in life insurance premiums; as individuals age, the risk to insurers increases, often leading to higher costs. Protective offers a balance of affordability, customer satisfaction and financial stability, which are crucial for seniors who prioritize cost and confidence in their insurer.
| 1 | Protective | $55 | 92 |
| 2 | Mutual of Omaha | $63 | 91 |
| 3 | Nationwide | $58 | 90 |
| 4 | Allstate | $58 | 88 |
| 5 | AAA | $74 | 88 |
| 6 | Prudential | $54 | 88 |
| 7 | Transamerica | $69 | 87 |
| 8 | State Farm | $109 | 84 |
| 9 | Haven | $111 | 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 North Las Vegas, Mutual of Omaha offers the best term life insurance for smokers. Its MoneyGeek score is 90 for men and 89 for women, and its average monthly premiums are $63 and $62, 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 | $67 | 89 |
| 3 | Protective | $86 | 88 |
| 4 | Prudential | $50 | 88 |
| 5 | Transamerica | $61 | 87 |
| 6 | State Farm | $81 | 86 |
| 7 | AAA | $110 | 85 |
| 8 | Allstate | $96 | 84 |
| 9 | Haven | $105 | 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.
Protective offers the best term life insurance for young adults in North Las Vegas, with a MoneyGeek score of 92. The average monthly premium is $7 for women and $8 for men.
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 | $18 | 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.
In North Las Vegas, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 and average monthly premiums of $13 and $12, respectively.
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 | $16 | 88 |
| 8 | Haven | $21 | 84 |
| 9 | State Farm | $29 | 82 |
The average monthly premium for term life insurance in North Las Vegas is $21 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 North Las Vegas might differ from the rest of Nevada due to age distribution, 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 offers men the best life insurance in North Las Vegas, with a MoneyGeek score of 92.
The average monthly premium for the best life insurance for men in North Las Vegas is $26, offered by Protective.
Protective has the best life insurance for women in North Las Vegas, with a MoneyGeek score of 92.
Protective offers the best life insurance for women in North Las Vegas, with an average monthly premium of $22.
Life insurance in North Las Vegas may differ from the rest of Nevada in terms of company ratings and costs. For example, Protective's high score and competitive rates may vary statewide.
State regulations and guaranty associations may protect policyholders if a life insurance company goes bankrupt in North Las Vegas. These organizations ensure that policyholders receive their benefits up to certain limits.
Residents of North Las Vegas might need life insurance to provide financial security for their families in the event of the policyholder's death. Life insurance can cover mortgages, education and daily living expenses.
To find a lost life insurance policy in North Las Vegas, residents can contact the Nevada Division of Insurance or use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
