Best Life Insurance in El Monte, CA (September 2024)

Protective is El Monte, California's best life insurance company, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $19 for males and $16 for females. These scores and premiums are based on a 20-year term policy with $500,000 coverage.

When choosing life insurance, consider various factors such as policy terms, coverage amount and your unique needs.

Protective offers the best life insurance in El Monte, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $19 for males and $16 for females.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $19 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $23 per month

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $16 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $20 per month

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

Protective has the best term life insurance in El Monte, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 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 $10 per month
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $11 per month

Top term life insurance companies for women:

• Protective: MoneyGeek score of 92 out of 100 at $9 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $12 per month

Term life insurance provides coverage for a specified period, making it suitable for those needing financial protection during critical years, such as while raising a family or paying off a mortgage.

Protective offers the best whole life insurance provider in El Monte, with 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 can grow over time. Someone might choose it to ensure their family's financial stability while building cash value that can be borrowed against.

In El Monte, 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 policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over other types because they want the potential to accumulate cash value over time that can be used as a financial resource.

Protective offers the best life insurance without a medical exam requirement in El Monte. 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 physical examination, making it ideal for those with health concerns or needing quick coverage. For example, someone with a busy lifestyle or pre-existing conditions might opt for this insurance to avoid a medical exam delay and scrutiny.

Protective offers the best term life insurance for seniors in El Monte, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $45 for males and $42 for females.

Age impacts life insurance premiums, as insurers consider the increased health risks of old age. Protective stands out with its strong performance in affordability, customer satisfaction and financial stability, making it a reliable option for seniors.

Mutual of Omaha provides the best term life insurance for smokers in El Monte, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $48 for males and $50 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 El Monte, with a MoneyGeek score of 92 and average monthly premiums of $6 for men and $5 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.

In El Monte, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $10 for men and $9 for women.

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.

The average monthly premiums for term life insurance in El Monte are $18 for men and $15 for women.

Many factors affect rates, including age, health, lifestyle, occupation, coverage amount and policy term. Younger policyholders or those in good health typically pay lower premiums.

Life insurance costs in El Monte might differ from those in other California areas for various reasons, such as local health statistics, crime rates, cost of living and regional underwriting practices.

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