Best Life Insurance in Costa Mesa, CA (September 2024)

Protective is the best life insurance provider in Costa Mesa, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $33 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.

Protective offers the best life insurance in Costa Mesa, with MoneyGeek scores of 92 for men and 91 for women and average monthly premiums of $33 and $31, respectively.

Top companies for men:

• Protective: MoneyGeek score of 92 out of 100 at $33 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $40 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.

Protective is the best term life insurance provider in Costa Mesa, with a MoneyGeek score of 92 and an average monthly premium of $17 for men and 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 $20 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 coverage for a specific term length, typically 10 to 30 years. It's often chosen for its simplicity and lower cost than permanent life insurance. For instance, a parent might opt for term life insurance to ensure their child's education costs will be covered in the event of their untimely passing.

Protective has the best whole life insurance in Costa Mesa, 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 includes an investment component that grows over time. For example, someone might choose whole life insurance to ensure long-term financial protection for their family while building cash value that can be borrowed against.

In Costa Mesa, 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 offers flexible premiums and the potential for cash value growth. Some people choose this type of insurance because it allows them to adjust their coverage as their financial situation changes over time.

Protective offers the best life insurance in Costa Mesa 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 undergoing a health assessment. This option is especially useful for those with health concerns or urgent needs for coverage, such as an upcoming trip or starting a new business.

Protective offers the best term life insurance for seniors in Costa Mesa, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premium is $79.

Age affects insurance premiums, with higher rates 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 Costa Mesa, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $85 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.

Protective offers the best term life insurance for young adults in Costa Mesa, with a MoneyGeek score of 92 and an average monthly premium of $10 for men and women.

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 Costa Mesa, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $17 for men and women.

Factors influencing life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain good health, choose a suitable coverage amount and consider a shorter term length.

The average monthly costs of term life insurance in Costa Mesa are $31 for men and $28 for women. Various factors affect premiums, including age, health, lifestyle, coverage amount, policy term and the insurer you choose.

In Costa Mesa, premiums might be higher or lower than in the rest of California due to local health statistics, economic conditions or lifestyle factors. For example, insurers might offer lower premiums if the local population has better health metrics. Conversely, higher living costs might lead to higher premiums.

Understanding these factors can help you make informed decisions about your life insurance needs.