Best Life Insurance Companies in Fort Worth, TX

With superb financial ratings, competitive rates, and exceptional levels of customer satisfaction, Nationwide is one of the best life insurance providers available.

Nationwide is one of the most famous life insurance companies on the market, with a strong team made of the most highly trained career agents, along with a network of independent agents who have been purposefully chosen to represent the company. Nationwide provides an extra layer of security, which is aptly represented in their choice of marketing symbol – a blanket.

Term and permanent life insurance policies are available at Nationwide, as well as the option for whole life, universal life, and variable universal life insurance. A policy requiring no medical examination is also on offer with Nationwide.

Purchasing a policy through Nationwide is simple. For people who favor an in-person conversation, there are several branches within Fort Worth. Depending on your own preferences, a phone call with the team will also ensure that you are referred to a friendly Nationwide career agent who will help support you.

Despite their head office being in Massachusetts, MassMutual has been providing life insurance for the people of Fort Worth for many years and is our overall runner-up on our list of best life insurance companies in Fort Worth.

MassMutual’s team is a network of highly qualified professionals who have been through extensive training during their career. When it comes to deciding the best suited type and face amount of life insurance for their clients, MassMutual’s method involves an in-depth life insurance needs analysis.

They have several different life insurance products available including whole life insurance, universal life insurance, and term life insurance. Also available is a variable universal life policy which combines mutual funds with a death benefit to increase cash value.

In comparison to their competitors, MassMutual’s overheads are slightly high. This is due to the Class A offices located across the States, not to mention all the money invested into training their employees. Regardless of their increased overheads, they still offer extremely competitive premiums on each one of their products.

Transamerica is probably most recognized for their pyramid building in San Francisco, yet they also have a strong presence in Fort Worth, with several independent life insurance agents selling their policies. They are also renowned for having some of the most affordable policies on the market, including term life insurance, along with a term life product for young adults.

On top of super affordable rates, Transamerica also offers a fantastic online experience for its customers – with a major focal point centered around encouraging younger people to buy life insurance. They also have quotes available on their website.

Customers preferring an in-person conversation can make good use of their ‘Locate an Agent’ feature, found on their website. This helps customers to find a nearby agent who is a representative of the company.

With an A+ (Superior) rating awarded by A.M. Best, USAA are proven to be financially strong with fantastic claim payment ability. USAA’S casualty and property products focus mainly on active military members, veterans, and their loved ones. For customers who do not have a connection to the military, but are a U.S citizen, or permanent resident, life insurance policies are still available for purchase.

The dedicated ‘Survivor Relations’ team at USAA are incredibly compassionate and will help family members of the deceased policyholder to settle claims across all policies and accounts. On top of this, USAA offers a guaranteed issue life insurance product that has been issued by Mutual of Omaha. No medical analysis is required of the customer wanting to purchase this product, also available in Fort Worth.

For customers in Fort Worth looking for cheaper rates, we would suggest checking out MassMutual. They offer the most competitive premiums for males and females, beating other reputable insurance providers such as Prudential, Nationwide, State Farm, and Mutual of Omaha. MassMutual has a great knowledge of the profitability of the term life insurance marketplace for insurers, and because of this – price their products accordingly.

With policies on offer lasting 1, 10, 15, 25, or 30 years, MassMutual is an excellent choice for customers seeking to buy term life insurance – with coverage starting at $100,000. If a policy owner decides later on that they want to change to permanent coverage, then several term life policies can be converted, including universal life or whole life.

Additionally, they have built a solid reputation for their customer service as they received fewer complaints than expected, according to the National Association of Insurance Commissioners. As well as this, they placed 9th out of 22 for customer satisfaction in JD Power’s 2022 U.S ranking of life insurance companies.

I worked as a licensed career agent for Mutual of Omaha for 5 years, and within that time I witnessed first-hand their deep understanding of the senior market. Their senior life product includes a guaranteed issue whole life product, which is issued no matter what your health history looks like. What this means is that a customer cannot be denied coverage, but with that comes higher rates due to the financial risks it brings.

To avoid having to pay these higher rates that come with a guaranteed issue policy, Mutual of Omaha has a less comprehensive issue product available for seniors. When applying, customers will be required to answer a few medical questions, but no medical examination is needed. This simpler issue product does indeed have lower rates; however, coverage is not always guaranteed. An application may get rejected if they have heart problems, or cancer.