Top Life Insurance Companies in Las Vegas

Purchasing life insurance is an important step to protect your loved ones financially in case of your passing. With many life insurance companies to choose from, it can be overwhelming trying to determine which is best for your needs. This guide examines the top-rated life insurance companies in Las Vegas to help you select the right provider.

We evaluated Las Vegas life insurers on factors including:

  • Types of policies offered – Term, whole, universal, final expense, etc.

  • Customer service and ratings – Google, BBB, Consumer Affairs, and more.

  • Cost – Premiums and rate competitiveness.

  • Financial strength – A.M. Best and Moody’s ratings.

  • Availability – Nationwide vs local and regional insurers.

  • Policy options and riders – Customization and benefits.

Based on these criteria, here are the top recommended life insurance companies in Las Vegas.

Best Overall: MassMutual

MassMutual is our choice for best overall life insurance company in Las Vegas because of its:

  • Broad selection – Offers term, whole, universal, and survivorship life policies.

  • Top financial strength – Double A (Excellent) from A.M. Best and Aa3 (Excellent) from Moody’s.

  • Policy customization – Over 30 riders available to tailor coverage.

  • Strong customer service – High marks on reviews and ratings.

  • Available nationally – Has policyholders throughout the U.S.

MassMutual life insurance policies can be purchased directly or through independent and captive agents. They provide all the standard options plus unique riders like chronic illness and long-term care coverage.

Runner Up: Pacific Life

Pacific Life is another excellent choice for Las Vegas residents needing life insurance, offering:

  • Universal policies – Index, variable, and traditional universal life.

  • Competitive pricing – Less expensive than some bigger insurers.

  • Top financial ratings – A+ (Superior) from A.M. Best.

  • Longevity – 150+ years in business.

  • Customization – Policy enhancements and riders available.

  • No nicotine use discounts – Up to 20% lower premiums.

Pacific Life is a reputable national insurer with highly customizable universal life insurance plans and below average costs.

Best for Seniors: Mutual of Omaha

Mutual of Omaha stands out with its retirement-focused whole life insurance options, including:

  • Living benefit riders – Access death benefit while living.

  • Long-term care rider – Pays for care costs.

  • Annuity-like options – Guaranteed growth and income.

  • No medical exam – For simple issue policies under $250k.

  • A+ Superior rating – From A.M. Best.

  • 65+ discounts – Up to 40% lower premiums.

Mutual of Omaha life insurance is competitively priced and offers key benefits tailored to retirees and seniors needing coverage into their later years.

Best Term Life: Haven Life

Haven Life is our top pick for straightforward term life insurance because it offers:

  • Completely online – Quick and easy purchase process.

  • 10 to 30 year terms – Choose the length that fits your needs.

  • Up to $3M coverage – High death benefit maximums.

  • No medical exam – For policies under $1M (up to age 60).

  • Low rates – Among the most affordable term insurance.

With an easy all-digital application and rock-bottom pricing, Haven Life term policies are hard to beat for budget-conscious consumers.

Best Whole Life: Guardian Life

For permanent cash value whole life insurance, we recommend Guardian Life. Highlights include:

  • Level premiums – Payments don’t increase with age.

  • Living benefits rider – Early payout if terminally ill.

  • Paid up at 95 – Coverage lasts to age 95.

  • Dividends – Share of surplus profits from investments.

  • A++ Superior rating – From A.M. Best.

Guardian Life offers competitively-priced participating whole life policies with guaranteed lifetime coverage and strong financial backing.

Best No Medical Exam: Ethos Life

Ethos Life stands out with its no medical exam life insurance options:

  • 10 or 20 year term – Up to $2M coverage.

  • Whole life – Up to $1.5M death benefit.

  • Simplified issue – No medical tests needed.

  • Instant decisions – Know quickly if approved.

  • Online application – Approval in minutes.

  • Premium financing – Pay over time (with interest).

If you want life insurance without a medical exam, Ethos offers fast approvals on term or whole life policies completely online.

Best Final Expense: Gerber Life

Gerber Life is our pick for burial insurance because of its:

  • Guaranteed acceptance – No health questions up to $25k.

  • Affordable rates – As low as $8/month.

  • Policy options – Term, whole life, and senior life.

  • Easy claims – Generally pay out in 1-2 days.

  • A- Excellent rating – From A.M. Best.

Gerber Life final expense coverage helps pay for your funeral costs without a lengthy application or high monthly premium.

Best Military Coverage: USAA

USAA offers specialized life insurance policies for active military and veterans, including:

  • SGLI supplements – Additional coverage to SGLI.

  • VGLI conversion – Convert SGLI after leaving service.

  • Discounted rates – For active and former military.

  • Easy enrollment – No medical exam or health questions.

  • Excellent service – Highly rated for claims and support.

USAA provides affordable, no-fuss life insurance tailored for military families and veterans residing in Las Vegas.

Finding the Best Life Insurance Company

Choosing the right life insurance company in Las Vegas depends on factors like your budget, age, and desired length and amount of coverage.

Here are some additional tips for picking the best life insurer for your needs:

  • Compare multiple quotes – Rates can vary significantly between top companies.

  • Look for discounts – Such as nonsmoker, healthy lifestyle, group, and military/veteran discounts.

  • Read sample policies – Make sure you understand exclusions and limitations.

  • Check financial strength ratings – Choose an established insurer that will be there when needed.

  • Talk to an independent agent – Get guidance to match your unique situation.

Purchasing life insurance is an important decision. Do your research to find a reputable and affordable Las Vegas life insurance company that meets your coverage needs.

Life insurance companies in Las Vegas, Nevada


How much does life insurance cost in Las Vegas?

Rates for $250K Coverage
Rates for $926K Coverage (Recommended)
Mutual of Omaha

Who is the most trustworthy life insurance company?

Best for
AM Best Financial Strength Rating
Life insurance coverage without a medical exam
A++ (Superior)
Mass Mutual
Whole life insurance
A++ (Superior)
Mutual of Omaha
Digital accessibility
A+ (Superior)
Customer satisfaction
A+ (Superior)

How much is $100,000 life insurance cost?

On average, a $100,000 whole life policy will cost between $100-$1000 monthly, depending on various factors such as your age.

What are the big four life insurance companies?

According to a 2021 NAIC report, Northwestern Mutual, New York Life, Metropolitan, and Prudential are the four largest life insurance companies in the United States, all together holding 31.09% of the market.

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