Best Life Insurance in Fairfield, CA (September 2024)

In Fairfield, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $31 for males and $27 for females. These scores and costs are based on a 20-year term policy with $500,000 coverage.

When choosing life insurance, consider your health, age and financial needs. Protective ranks highest, but another provider may better suit your situation.

Protective offers the best life insurance in Fairfield, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $31 and $27, respectively.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $31 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $27 per month
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $34 per month

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

Protective has the best term life insurance in Fairfield, with a MoneyGeek score of 92 and average monthly premiums of $16 for men and $15 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 $16 per month
• Allstate: MoneyGeek score of 91 out of 100 at $16 per month

Top term life insurance companies for women:

• Protective: MoneyGeek score of 92 out of 100 at $15 per month
• Transamerica: MoneyGeek score of 91 out of 100 at $14 per month

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

Protective offers the best whole life insurance provider in Fairfield, 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.

Protective has Fairfield's 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 allows policyholders to adjust their premiums and death benefits. It may appeal to those seeking lifetime coverage with the added benefit of cash value accumulation, providing a financial resource when needed.

Protective offers the best life insurance without a medical exam requirement in Fairfield. 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, which is beneficial for those with health concerns or who prefer a more straightforward application process.

Protective offers the best term life insurance for seniors in Fairfield, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $75 for males and $70 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 Fairfield, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $81 for males and $84 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.

Protective offers the best term life insurance for young adults in Fairfield, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 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 Fairfield, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $16 for men and $15 for women.

Various factors affect premiums, including age, health, coverage amount and term length. To get the lowest rates, maintain a healthy lifestyle, choose a shorter term length and opt for a lower coverage amount.

The average monthly premiums for term life insurance in Fairfield are $30 for men and $25 for women.

Several factors affect rates, including age, health, lifestyle and occupation. Younger individuals or those in good health may pay lower premiums. Conversely, those with high-risk occupations or health issues may face higher costs.

Life insurance premiums in Fairfield 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.

Understanding these factors can help you make informed choices.