Best Life Insurance in Daly City, CA (October 2024)


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Updated: October 15, 2024

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In Daly City, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. Its average monthly premium is $30 for 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 Daly City, 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 InsuranceDaly City, CA
2024

Best Life Insurance Companies in Daly City

Overall Best Life Insurance in Daly City, CA

How was this MoneyGeek score calculated?

In Daly City, Protective offers the best life insurance, with MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $30 for both.

Top companies for men:

  • Protective: MoneyGeek score of 92 out of 100 at $30 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $37 per month

Top companies for women:

  • Protective: MoneyGeek score of 91 out of 100 at $30 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $37 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

In Daly City, Protective is the top choice for life insurance. With impressive MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $30, Protective offers a balance of value and reliability.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Daly City, CA

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Daly City, with a MoneyGeek score of 92 for men and women. The average monthly premiums are $16 and $17, respectively. 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 $16 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $19 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 certain period. It's often chosen for its simplicity and lower cost than permanent life insurance. For instance, a parent might purchase a 20-year term policy to ensure their child's education is funded should anything happen to them during those years.

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MoneyGeek Top Pick
Protective

In Daly City, Protective is the best term life insurance provider for men and women, offering an optimal balance of cost and quality.

Pros:

  • High customer satisfaction
  • Affordable premiums
  • Strong financial stability

Cons:

  • Buying process could be better

Best Whole Life Insurance in Daly City, CA

How was this MoneyGeek score calculated?

Protective has the best whole life insurance in Daly City, 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 is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid. It's great for those looking for a consistent premium and a cash value component that grows over time. Someone might choose whole life over term life insurance if they want a guaranteed benefit for their beneficiaries, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

Protective is the leading provider of whole life insurance in Daly City, offering a good balance of customer satisfaction, affordability and financial stability.

Pros:

  • High customer satisfaction
  • Exceptional value for money
  • Strong 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 Daly City, CA

How was this MoneyGeek score calculated?

In Daly City, 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 flexibility in premiums and death benefits, making it suitable for those seeking long-term security with the potential for cash value growth. For instance, an individual interested in estate planning might opt for universal life insurance to ensure financial stability for their heirs while accumulating a cash reserve.

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MoneyGeek Top Pick
Protective

Protective is Daly City's leading universal life insurance provider. 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 coverage
  • Strong financial stability

Cons:

  • Buying process could be better

Best No-Medical-Exam Life Insurance in Daly City, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam requirement in Daly City. 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. A busy professional might choose it to speed up the process and avoid being disqualified based on a medical condition.

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MoneyGeek Top Pick
Protective

In Daly City, Protective is the 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, financial stability and affordability.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Reliable financial stability

Cons:

  • Limited product options

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Daly City, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Daly City, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $73 for males and $78 for females.

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.

Best Term Life Insurance for Seniors in Daly City
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$73MG Score out of 10091
2CompanyMutual of OmahaPremium$82MG Score out of 10091
3CompanyNationwidePremium$69MG Score out of 10090
4CompanyAllstatePremium$66MG Score out of 10089
5CompanyTransamericaPremium$67MG Score out of 10088
6CompanyAAAPremium$92MG Score out of 10088
7CompanyPrudentialPremium$70MG Score out of 10087
8CompanyState FarmPremium$107MG Score out of 10086
9CompanyHavenPremium$144MG Score out of 10082

Best Term Life Insurance for Smokers in Daly City, CA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Daly City, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $79 for males and $93 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 Daly City
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$79MG Score out of 10090
2CompanyNationwidePremium$75MG Score out of 10089
3CompanyAAAPremium$81MG Score out of 10088
4CompanyPrudentialPremium$62MG Score out of 10088
5CompanyTransamericaPremium$73MG Score out of 10087
6CompanyProtectivePremium$128MG Score out of 10087
7CompanyHavenPremium$78MG Score out of 10086
8CompanyState FarmPremium$111MG Score out of 10084
9CompanyAllstatePremium$108MG Score out of 10084

Best Term Life Insurance for Young Adults in Daly City, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Daly City, with a MoneyGeek score of 92 and average monthly premiums of $9 for men and $10 for 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.

Best Term Life Insurance for Young Adults in Daly City
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$9MG Score out of 10092
2CompanyMutual of OmahaPremium$11MG Score out of 10091
3CompanyNationwidePremium$11MG Score out of 10090
4CompanyAllstatePremium$9MG Score out of 10089
5CompanyTransamericaPremium$9MG Score out of 10088
6CompanyAAAPremium$13MG Score out of 10088
7CompanyPrudentialPremium$14MG Score out of 10085
8CompanyState FarmPremium$17MG Score out of 10085
9CompanyHavenPremium$15MG Score out of 10084
10CompanyBestowPremium$20MG Score out of 10083

Best Cheap Term Life Insurance in Daly City, CA

How was this MoneyGeek score calculated?

In Daly City, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $16 for men and $17 for women.

Several factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premium, maintain excellent health, choose a shorter term and opt for a lower coverage amount.

Best Cheap Term Life Insurance in Daly City
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$16MG Score out of 10092
2CompanyAllstatePremium$15MG Score out of 10091
3CompanyNationwidePremium$18MG Score out of 10091
4CompanyTransamericaPremium$15MG Score out of 10091
5CompanyMutual of OmahaPremium$19MG Score out of 10089
6CompanyAAAPremium$21MG Score out of 10087
7CompanyPrudentialPremium$21MG Score out of 10085
8CompanyState FarmPremium$27MG Score out of 10082
9CompanyHavenPremium$26MG Score out of 10082

Average Cost of Term Life Insurance in Daly City, CA

The average monthly premiums for term life insurance in Daly City are $29 for men and $28 for women. Several factors affect premiums, including age, health, lifestyle and coverage amount.

Life insurance costs in Daly City may differ from the rest of California due to factors like regional economics, living costs and health care access. Higher living costs can lead to higher premiums, while better health care access might lower premiums due to improved health outcomes. Demographic factors like average age and health also influence insurance rates.

Understanding these factors can help you make informed decisions when purchasing life insurance.

FAQ: Life Insurance in Daly City, CA

What company has the best life insurance in Daly City for men?
What is the monthly premium for the best life insurance for men in Daly City?
What company has the best life insurance in Daly City for women?
What is the monthly premium for the best life insurance for women in Daly City?
Is there anything different about life insurance in Daly City compared to the rest of California?
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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.