Best Life Insurance in Carlsbad, CA (September 2024)


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Protective is the best life insurance provider in Carlsbad, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $52 for men and $35 for women. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider various factors such as your age, health and financial goals. 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 Carlsbad, California.

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Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceCarlsbad, CA
2024

Best Life Insurance Companies in Carlsbad

Overall Best Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Carlsbad for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $52 for men and a score of 91 with a monthly premium of $35 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $52 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $63 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $35 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $43 per month for women

Protective stands out due to its competitive premiums, customer satisfaction and financial stability, making it a reliable choice for life insurance coverage.

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MoneyGeek Top Pick
Protective

Protective stands out as the best life insurance provider in Carlsbad for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The company offers monthly premiums of $52 for men and $35 for women, reflecting a commitment to affordability and value.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Notable financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

Protective is the top provider of the best term life insurance in Carlsbad for both men and women. It has a MoneyGeek score of 92 and average monthly premiums of $27 for men and $19 for women. This score reflects a blend of affordability, customer satisfaction and financial stability, making Protective an excellent choice for individuals seeking reliable coverage without overpaying.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $27 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $19 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for women

Term life insurance provides a death benefit to beneficiaries if the policyholder passes away during the term, making it a straightforward and often affordable option. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.

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MoneyGeek Top Pick
Protective

Protective is the leading provider of term life insurance for men and women in Carlsbad, boasting a MoneyGeek score of 92 for each. The average monthly premiums are $27 for men and $19 for women, making it an appealing choice for those prioritizing both quality and affordability in their insurance selection.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance, with a MoneyGeek score of 92 for both men and women. This company's high rating indicates a strong combination of customer satisfaction, financial stability and product diversity.

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

Whole life insurance provides 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 can be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective stands out as the leading provider of whole life insurance in Carlsbad for both men and women, with MoneyGeek scores of 92 for each. This reflects a consistent commitment to quality across different demographics, ensuring that all customers receive top-tier services and support.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Compare Life Insurance Rates

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.

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Insurance Rates

Best Universal Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance in Carlsbad for both men and women, with a MoneyGeek score of 91.

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

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For instance, someone who anticipates significant life changes, such as starting a business, may prefer universal life insurance for its adaptability.

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MoneyGeek Top Pick
Protective

Protective is the best universal life insurance provider in Carlsbad for both men and women, with a MoneyGeek score of 91 for each. Its commitment to customer satisfaction and financial stability contributes to its top position in the market.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

In Carlsbad, Protective offers the best life insurance for those seeking coverage without a mandatory medical exam for both men and women, with a MoneyGeek score of 91.

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

Life insurance without a medical exam grants coverage without the need for a medical checkup, which is particularly beneficial for those with health concerns requiring immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

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MoneyGeek Top Pick
Protective

Protective is the best choice for no-medical-exam life insurance in Carlsbad for both men and women. With a MoneyGeek score of 91 for each, consumers can rely on this provider for their life insurance needs without the hassle of a medical exam.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Less optimal buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Carlsbad, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for seniors in Carlsbad, Protective stands out with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $124 and $90, respectively.

Age impacts life insurance premiums, as the insurer's risk increases with the policyholder's age, often resulting in higher costs for seniors. Protective's leading MoneyGeek scores reflect its strong performance in customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Seniors in Carlsbad
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$12491
2Mutual of Omaha$13991
3Nationwide$11890
4Allstate$11389
5Transamerica$11488
6AAA$15688
7Prudential$12087
8State Farm$18386
9Haven$24682

Best Term Life Insurance for Smokers in Carlsbad, CA

How was this MoneyGeek score calculated?

In Carlsbad, Mutual of Omaha stands out for men and women seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and 89 and average monthly premiums of $134 and $108, 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's top scores reflect its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.

Best Term Life Insurance for Smokers in Carlsbad
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$13490
2Nationwide$12889
3AAA$13988
4Prudential$10588
5Transamerica$12487
6Protective$21887
7Haven$13386
8State Farm$18984
9Allstate$18584

Best Term Life Insurance for Young Adults in Carlsbad, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Carlsbad, Protective stands out with a MoneyGeek Score of 92 and average monthly premiums of $16 for men and $12 for women.

Age plays a significant role in the cost of life insurance premiums. As individuals age, the risk to insurers increases, leading to higher premiums. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability, making it an excellent choice for young adults in Carlsbad.

Best Term Life Insurance for Young Adults in Carlsbad
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1692
2Mutual of Omaha$1991
3Nationwide$1990
4Allstate$1689
5Transamerica$1688
6AAA$2288
7Prudential$2485
8State Farm$2985
9Haven$2584
10Bestow$3483

Best Cheap Term Life Insurance in Carlsbad, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Carlsbad, Protective stands out with a MoneyGeek score of 92 for both men and women at an average monthly premium of $27 and $19, respectively.

Factors affecting premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, choose appropriate coverage and compare quotes from multiple providers.

Best Cheap Term Life Insurance in Carlsbad
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$2792
2Allstate$2691
3Nationwide$3091
4Transamerica$2691
5Mutual of Omaha$3289
6AAA$3687
7Prudential$3585
8State Farm$4582
9Haven$4482

Average Cost of Term Life Insurance in Carlsbad, CA

The average monthly premium for term life insurance in Carlsbad, California, is $29 for women and $33 for men.

Rates are affected by several factors. Insurance companies assess age, health, lifestyle and occupation to determine the risk associated with insuring an individual.

Life insurance costs in Carlsbad might be higher or lower compared to other parts of California for various reasons, including local economic conditions, health statistics and lifestyle. For instance, if Carlsbad has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.

FAQ About Life Insurance in Carlsbad, CA

What company has the best life insurance in Carlsbad for men?
What is the monthly premium cost for the best life insurance for men in Carlsbad?
What company has the best life insurance in Carlsbad for women?
What is the monthly premium cost for the best life insurance for women in Carlsbad?
Is there anything different about life insurance in Carlsbad compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in Carlsbad?
Why might Carlsbad residents need life insurance?
How do you find a lost life insurance policy in Carlsbad?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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