Best Life Insurance in Elk Grove, CA (September 2024)


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Updated: October 4, 2024

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Protective is Elk Grove, California's best life insurance company, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $38 for males and $33 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.

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 Elk Grove, 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 InsuranceElk Grove, CA
2024

Best Life Insurance Companies in Elk Grove

Overall Best Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Elk Grove, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $38 for males and $33 for females.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $38 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $47 per month

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $33 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $40 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 Elk Grove, Protective is the top choice for life insurance, with MoneyGeek scores of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $38 for males and $33 for females.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Affordable coverage

Cons:

  • Buying process could improve

Best Term Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective has the best term life insurance in Elk Grove, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $20 and $18, 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 91 out of 100 at $20 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $24 per month

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 92 out of 100 at $18 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $24 per month

Term life insurance provides coverage for a set period and offers a death benefit if the insured dies during that time. Its simplicity and lower cost are often preferred, making it a good choice for covering temporary financial needs like a mortgage or children's education.

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MoneyGeek Top Pick
Protective

In Elk Grove, Protective is the best term life insurance provider, earning MoneyGeek scores of 91 for men and 92 for women. It balances cost and quality with low monthly premiums of $20 for males and $18 for females.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Reliable financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance provider in Elk Grove, 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 opt for this insurance to ensure their family's long-term financial security, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

In Elk Grove, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. This reflects a good balance of customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Financially robust

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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Best Universal Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

In Elk Grove, 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 as their financial situation changes. Someone who experiences a significant increase in income might choose this insurance to invest the extra money in their policy's cash value, which can grow over time.

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MoneyGeek Top Pick
Protective

Protective is Elk Grove's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, Protective stands out for its quality service and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam requirement in Elk Grove. 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, making it beneficial for those with health concerns or needing quick coverage. Someone with a chronic condition may choose this option to avoid higher premiums or the risk of being denied after a medical exam.

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MoneyGeek Top Pick
Protective

In Elk Grove, 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
  • Strong financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Elk Grove, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $92 for males and $83 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.

Best Term Life Insurance for Seniors in Elk Grove
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$92MG Score out of 10091
2CompanyMutual of OmahaPremium$103MG Score out of 10091
3CompanyNationwidePremium$87MG Score out of 10090
4CompanyAllstatePremium$84MG Score out of 10089
5CompanyTransamericaPremium$85MG Score out of 10088
6CompanyAAAPremium$116MG Score out of 10088
7CompanyPrudentialPremium$89MG Score out of 10087
8CompanyState FarmPremium$136MG Score out of 10086
9CompanyHavenPremium$182MG Score out of 10082

Best Term Life Insurance for Smokers in Elk Grove, CA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Elk Grove, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $99 for males and $100 for females.

Smoking leads to higher life insurance premiums because of the health risks. Insurers charge more to account for the increased likelihood of claims. Mutual of Omaha is a top choice for smokers due to its mix of affordability, customer satisfaction, financial stability and diverse products.

Best Term Life Insurance for Smokers in Elk Grove
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$99MG Score out of 10090
2CompanyNationwidePremium$95MG Score out of 10089
3CompanyAAAPremium$103MG Score out of 10088
4CompanyPrudentialPremium$78MG Score out of 10088
5CompanyTransamericaPremium$92MG Score out of 10087
6CompanyProtectivePremium$161MG Score out of 10087
7CompanyHavenPremium$99MG Score out of 10086
8CompanyState FarmPremium$140MG Score out of 10084
9CompanyAllstatePremium$137MG Score out of 10084

Best Term Life Insurance for Young Adults in Elk Grove, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Elk Grove, with a MoneyGeek score of 92 and average monthly premiums of $12 for men and $11 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 Elk Grove
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyMutual of OmahaPremium$14MG Score out of 10091
3CompanyNationwidePremium$14MG Score out of 10090
4CompanyAllstatePremium$12MG Score out of 10089
5CompanyTransamericaPremium$12MG Score out of 10088
6CompanyAAAPremium$16MG Score out of 10088
7CompanyPrudentialPremium$18MG Score out of 10085
8CompanyState FarmPremium$21MG Score out of 10085
9CompanyHavenPremium$19MG Score out of 10084
10CompanyBestowPremium$26MG Score out of 10083

Best Cheap Term Life Insurance in Elk Grove, CA

How was this MoneyGeek score calculated?

In Elk Grove, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $20 for men and $18 for women.

Factors affecting premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, choose a shorter term length and opt for a lower coverage amount.

Best Cheap Term Life Insurance in Elk Grove
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$20MG Score out of 10092
2CompanyAllstatePremium$20MG Score out of 10091
3CompanyNationwidePremium$22MG Score out of 10091
4CompanyTransamericaPremium$20MG Score out of 10091
5CompanyMutual of OmahaPremium$24MG Score out of 10089
6CompanyAAAPremium$26MG Score out of 10087
7CompanyPrudentialPremium$26MG Score out of 10085
8CompanyState FarmPremium$34MG Score out of 10082
9CompanyHavenPremium$33MG Score out of 10082

Average Cost of Term Life Insurance in Elk Grove, CA

The average monthly term life insurance costs in Elk Grove are $37 for men and $30 for women.

Several factors influence premiums, including age, health, lifestyle choices and occupation. Insurers also consider regional factors such as local health statistics, economic conditions and market competition. Due to variations in these factors, the cost of life insurance might be higher or lower in Elk Grove than in other parts of California.

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

FAQ About Life Insurance in Elk Grove, CA

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


Mark Fitzpatrick headshot

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.