Best Life Insurance in Concord, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Concord, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $35 for men and $31 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider your health, age and financial stability. 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 Concord, 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 InsuranceConcord, CA
2024

Best Life Insurance Companies in Concord

Overall Best Life Insurance in Concord, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Concord, with a MoneyGeek score of 92 for men and 91 for women and average monthly premiums of $35 for men and $31 for women.

Top companies for men:

  • Protective: MoneyGeek score of 92 out of 100 at $35 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $42 per month

Top companies for women:

  • Protective: MoneyGeek score of 91 out of 100 at $31 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month

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

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MoneyGeek Top Pick
Protective

Protective is the leading life insurance provider in Concord, with an overall MoneyGeek score of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $35 for men and $31 for women.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Concord, CA

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Concord, with a MoneyGeek score of 92 for both genders and average monthly premiums of $18 for men and $17 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 $18 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 $17 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $22 per month

Term life insurance provides a death benefit to beneficiaries if the insured person passes away within a set term, offering a financial safety net. For instance, a parent might choose term life insurance to ensure their child's educational expenses are covered in the event of an untimely death.

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MoneyGeek Top Pick
Protective

Protective is the top choice for term life insurance in Concord, earning a MoneyGeek score of 92 for men and women. With average monthly premiums of $18 for men and $17 for women, it offers an optimal balance of cost and quality.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Concord, CA

How was this MoneyGeek score calculated?

Protective has the best whole life insurance in Concord, achieving a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, 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 lifelong coverage and a cash value component, which suits those seeking a stable, long-term financial safety net. For example, someone might choose whole life insurance to ensure their family's financial security or to leave a legacy, regardless of market conditions or personal health changes.

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MoneyGeek Top Pick
Protective

Protective is the top choice for whole life insurance in Concord, with a MoneyGeek score of 92 for men and women. It offers a balance of quality service and cost-effectiveness.

Pros:

  • High customer approval
  • Exceptional value for money
  • Solid financial reliability

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 Concord, CA

How was this MoneyGeek score calculated?

In Concord, Protective has the best universal life insurance, 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 is a flexible type of permanent life insurance that provides a death benefit and a savings component that grows tax-deferred. Policyholders benefit from the cash value accumulation, which can be used to cover premiums, withdrawn or borrowed in times of need.

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MoneyGeek Top Pick
Protective

Protective is the leading provider of universal life insurance in Concord. With a MoneyGeek score of 91 for men and women, Protective stands out for its quality service, affordability and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Reliable financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Concord 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 provides coverage without requiring a health assessment. For instance, someone with a busy schedule or a fear of medical procedures might choose this insurance to save time and avoid stress.

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MoneyGeek Top Pick
Protective

Protective is Concord's top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects a balance of customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

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Best Term Life Insurance for Seniors in Concord, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Concord, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $83 for males and $78 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.

Best Term Life Insurance for Seniors in Concord
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$83MG Score out of 10091
2CompanyMutual of OmahaPremium$93MG Score out of 10091
3CompanyNationwidePremium$79MG Score out of 10090
4CompanyAllstatePremium$76MG Score out of 10089
5CompanyTransamericaPremium$77MG Score out of 10088
6CompanyAAAPremium$105MG Score out of 10088
7CompanyPrudentialPremium$81MG Score out of 10087
8CompanyState FarmPremium$123MG Score out of 10086
9CompanyHavenPremium$165MG Score out of 10082

Best Term Life Insurance for Smokers in Concord, CA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Concord, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $90 for males and $94 for females.

Smoking significantly impacts life insurance premiums, often resulting in higher rates for smokers 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.

Best Term Life Insurance for Smokers in Concord
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$90MG Score out of 10090
2CompanyNationwidePremium$86MG Score out of 10089
3CompanyAAAPremium$93MG Score out of 10088
4CompanyPrudentialPremium$71MG Score out of 10088
5CompanyTransamericaPremium$83MG Score out of 10087
6CompanyProtectivePremium$146MG Score out of 10087
7CompanyHavenPremium$89MG Score out of 10086
8CompanyState FarmPremium$127MG Score out of 10084
9CompanyAllstatePremium$124MG Score out of 10084

Best Term Life Insurance for Young Adults in Concord, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Concord, with a MoneyGeek score of 92 and average monthly premiums of $11 for males and $10 for 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.

Best Term Life Insurance for Young Adults in Concord
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$11MG Score out of 10092
2CompanyMutual of OmahaPremium$13MG Score out of 10091
3CompanyNationwidePremium$13MG Score out of 10090
4CompanyAllstatePremium$11MG Score out of 10089
5CompanyTransamericaPremium$11MG Score out of 10088
6CompanyAAAPremium$15MG Score out of 10088
7CompanyPrudentialPremium$16MG Score out of 10085
8CompanyState FarmPremium$19MG Score out of 10085
9CompanyHavenPremium$17MG Score out of 10084
10CompanyBestowPremium$23MG Score out of 10083

Best Cheap Term Life Insurance in Concord, CA

How was this MoneyGeek score calculated?

In Concord, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 for men and women. Average monthly premiums are $18 for males and $17 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.

Best Cheap Term Life Insurance in Concord
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$18MG Score out of 10092
2CompanyAllstatePremium$18MG Score out of 10091
3CompanyNationwidePremium$20MG Score out of 10091
4CompanyTransamericaPremium$18MG Score out of 10091
5CompanyMutual of OmahaPremium$21MG Score out of 10089
6CompanyAAAPremium$24MG Score out of 10087
7CompanyPrudentialPremium$24MG Score out of 10085
8CompanyState FarmPremium$30MG Score out of 10082
9CompanyHavenPremium$30MG Score out of 10082

Average Cost of Term Life Insurance in Concord, CA

In Concord, the average monthly premium for term life insurance is $33 for men and $28 for women. Several factors affect these costs, including age, health, lifestyle, occupation and coverage amount. Generally, younger and healthier individuals pay lower premiums.

Life insurance costs in Concord may differ from those in other parts of California due to local health statistics, cost of living and regional risk factors. For example, higher health care costs or more prevalent health conditions in Concord could lead to higher premiums. Conversely, lower local costs or better health metrics could lower premiums.

Understanding these factors helps you make informed decisions about your life insurance needs and budget.

FAQ About Life Insurance in Concord, CA

What company has the best life insurance in Concord for men?
What is the monthly premium for the best life insurance for men in Concord?
What company has the best life insurance in Concord for women?
What is the monthly premium for the best life insurance for women in Concord?
Is there anything different about life insurance in Concord compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in Concord?
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About Mark Fitzpatrick


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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.