Best Life Insurance in Clovis, CA (September 2024)

Protective is the best life insurance company in Clovis, California, with the highest MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $34 for men and $29 for women.

These scores and premiums are based on a 20-year term policy with $500,000 coverage, but your choice may vary based on personal needs. Consider your age, health and coverage needs when choosing life insurance.

Protective offers the best life insurance in Clovis, with a MoneyGeek score of 92 and an average monthly premium of $34 for men, and a score of 91 and a premium of $29 for women.

Top companies for men:

• Protective: MoneyGeek score of 92 out of 100 at $34 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $41 per month

Top companies for women:

• Protective: MoneyGeek score of 91 out of 100 at $29 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $36 per month

Protective's high MoneyGeek scores and lower monthly premiums make it the best choice for life insurance.

Protective is the best term life insurance provider in Clovis, with a MoneyGeek score of 92 for both genders and average monthly premiums of $17 for men and $16 for women. Its high affordability, customer satisfaction and financial stability scores make it a top choice for reliable coverage.

Top term life insurance companies for men:

• Protective: MoneyGeek score of 92 out of 100 at $17 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $21 per month

Top term life insurance companies for women:

• Protective: MoneyGeek score of 92 out of 100 at $16 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $21 per month

Term life insurance provides coverage at a fixed rate of payments for a limited time. For instance, a parent might purchase a 20-year term life insurance policy to ensure that their children's education and living expenses are covered in the event of their untimely death.

Protective has the best whole life insurance in Clovis, achieving a MoneyGeek score of 92 for men and women. The company performs strongly in customer satisfaction and financial stability.

• 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 a fixed premium and a guaranteed death benefit, making it suitable for long-term financial planning. For instance, you might choose whole life insurance to ensure financial security for your family, regardless of market fluctuations.

In Clovis, Protective is the best universal life insurance provider, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.

• 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 combines life coverage with an investment component, allowing for cash value growth. It also provides flexibility to adjust premiums and death benefits over time. For example, someone might choose universal life insurance to modify their coverage as their financial needs change without needing a new policy.

Protective offers the best life insurance in Clovis without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.

• 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 suits those who fear undergoing tests and prefer convenience and quick approval.

Protective offers the best term life insurance for seniors in Clovis, with MoneyGeek scores of 91 for men and 90 for women. Average monthly premiums are $81 for males and $75 for females.

Age affects life insurance premiums, with higher premiums for seniors due to increased health risk. Protective's top MoneyGeek score highlights its strong performance in affordability, customer satisfaction and financial stability, making it great for seniors seeking a balance of cost and quality.

Mutual of Omaha provides the best term life insurance for smokers in Clovis, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $87 for males and $90 for females.

Smoking impacts life insurance premiums due to the associated health risks. Mutual of Omaha's high MoneyGeek scores reflect a balance of affordability, customer satisfaction and financial stability — critical factors for smokers seeking coverage that fits their needs.

Protective offers the best term life insurance for young adults in Clovis, with a MoneyGeek score of 92 and an average monthly premium of $10 for males and females.

Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.

In Clovis, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 for men and women. Average monthly premiums are $17 for males and $16 for females.

Age, health, coverage amount and term length affect insurance premiums. To get the lowest premiums, maintain good health, choose a suitable coverage amount and consider a shorter term length.

Average monthly premiums for term life insurance in Clovis are $32 for men and $27 for women. Several factors affect these premiums, including age, health, lifestyle, occupation, coverage amount and term length.

Life insurance costs in Clovis may differ from those in the rest of California due to local health stats, cost of living, regional risks and competition among insurers. Knowing these factors helps you make better decisions when choosing life insurance. Also, consider your circumstances to find a policy that fits your needs and budget.