Best Life Insurance in Escondido, CA (October 2024)


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Updated: October 15, 2024

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In Escondido, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $26 for males and $22 for females. These scores and costs 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 Escondido, 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 InsuranceEscondido, CA
2024

Best Life Insurance Companies in Escondido

Overall Best Life Insurance in Escondido, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Escondido, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $26 for males and $22 for females.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $26 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $31 per month

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $22 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $27 per month

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

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MoneyGeek Top Pick
Protective

In Escondido, 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 $26 for males and $22 for females. Its high customer satisfaction and affordability scores make it a reliable option.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Good financial stability

Cons:

  • Limited product diversity
  • Buying process could improve

Best Term Life Insurance in Escondido, CA

How was this MoneyGeek score calculated?

Protective has the best term life insurance in Escondido, with a MoneyGeek score of 92 and average monthly premiums of $13 for men and $12 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 $13 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month

Top term life insurance companies for women:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month

Term life insurance provides coverage for a specific period. For instance, a parent might purchase a 20-year term life insurance to cover their child's education in the event of their untimely passing.

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MoneyGeek Top Pick
Protective

In Escondido, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with low monthly premiums of $13 for males and $12 for females.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Escondido, CA

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance provider in Escondido, 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 lifetime coverage and builds cash value over time, offering both protection and a savings component. Someone might choose whole life insurance to ensure their family's financial security and have the option to borrow against the cash value for future needs.

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MoneyGeek Top Pick
Protective

In Escondido, 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 satisfaction from customers
  • Affordable rates
  • Solid financial foundation

Cons:

  • Less diverse product options
  • 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 Escondido, CA

How was this MoneyGeek score calculated?

In Escondido, 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 who value adaptability in their finances. For example, someone might choose universal over term life insurance to benefit from the policy's potential cash value growth, which can be used as a loan collateral or to cover premium payments in the future.

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MoneyGeek Top Pick
Protective

Protective is Escondido'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
  • Affordable premiums
  • Solid financial stability

Cons:

  • Less streamlined buying process

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

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam requirement in Escondido. 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 Escondido, 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 contentment
  • Competitive pricing
  • Solid financial foundation

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Escondido, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Escondido, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $62 for males and $55 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 Escondido
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$62MG Score out of 10091
2CompanyMutual of OmahaPremium$69MG Score out of 10091
3CompanyNationwidePremium$59MG Score out of 10090
4CompanyAllstatePremium$56MG Score out of 10089
5CompanyTransamericaPremium$57MG Score out of 10088
6CompanyAAAPremium$78MG Score out of 10088
7CompanyPrudentialPremium$60MG Score out of 10087
8CompanyState FarmPremium$91MG Score out of 10086
9CompanyHavenPremium$122MG Score out of 10082

Best Term Life Insurance for Smokers in Escondido, CA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Escondido, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $67 for males and $66 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 Escondido
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$67MG Score out of 10090
2CompanyNationwidePremium$64MG Score out of 10089
3CompanyAAAPremium$69MG Score out of 10088
4CompanyPrudentialPremium$53MG Score out of 10088
5CompanyTransamericaPremium$62MG Score out of 10087
6CompanyProtectivePremium$108MG Score out of 10087
7CompanyHavenPremium$66MG Score out of 10086
8CompanyState FarmPremium$94MG Score out of 10084
9CompanyAllstatePremium$92MG Score out of 10084

Best Term Life Insurance for Young Adults in Escondido, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Escondido, with a MoneyGeek score of 92 and average monthly premiums of $8 for men and $7 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 Escondido
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$10MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$11MG Score out of 10088
7CompanyPrudentialPremium$12MG Score out of 10085
8CompanyState FarmPremium$14MG Score out of 10085
9CompanyHavenPremium$13MG Score out of 10084
10CompanyBestowPremium$17MG Score out of 10083

Best Cheap Term Life Insurance in Escondido, CA

How was this MoneyGeek score calculated?

In Escondido, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $13 for men and $12 for women.

Several factors affect rates, including age, health, coverage amount and term length. To get the lowest premiums, maintain good health, choose a shorter term length and avoid tobacco use.

Best Cheap Term Life Insurance in Escondido
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10091
4CompanyTransamericaPremium$13MG Score out of 10091
5CompanyMutual of OmahaPremium$16MG Score out of 10089
6CompanyAAAPremium$18MG Score out of 10087
7CompanyPrudentialPremium$18MG Score out of 10085
8CompanyState FarmPremium$23MG Score out of 10082
9CompanyHavenPremium$22MG Score out of 10082

Average Cost of Term Life Insurance in Escondido, CA

The average monthly premiums for term life insurance in Escondido are $25 for men and $20 for women. Factors like age, health, lifestyle and coverage amount influence these rates. Understanding these can help you make informed choices.

Life insurance premiums in Escondido may vary from those in other parts of California due to local health statistics, economic conditions and regional risk factors. Higher health care costs or risks, such as natural disasters or crime, can increase premiums, while lower costs or dangers may lead to lower rates.

FAQ: Life Insurance in Escondido, CA

What company has the best life insurance in Escondido for men?
What is the monthly premium for the best life insurance for men in Escondido?
What company has the best life insurance in Escondido for women?
What is the monthly premium for the best life insurance for women in Escondido?
Is there anything different about life insurance in Escondido compared to the rest of California?
What happens to your life insurance if a company goes bankrupt in Escondido?
Why might Escondido residents need life insurance?
How do you find a lost life insurance policy in Escondido?

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.