Best Life Insurance in Fresno, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance provider in Fresno, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $23 for males and $21 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. Your unique situation 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 Fresno, 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 InsuranceFresno, CA
2024

Best Life Insurance Companies in Fresno

Overall Best Life Insurance in Fresno, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Fresno, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $23 and $21, respectively.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $23 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $28 per month

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $21 per month
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $27 per month

Protective's strong performance in affordability, customer satisfaction and financial stability make it the top choice for life insurance.

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MoneyGeek Top Pick
Protective

In Fresno, 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 $23 for males and $21 for females. This affordability, combined with high customer satisfaction, positions Protective as a top contender in the life insurance market.

Pros:

  • High customer satisfaction
  • Affordable policies
  • Financially stable

Cons:

  • Buying process could improve

Best Term Life Insurance in Fresno, CA

How was this MoneyGeek score calculated?

Protective has the best term life insurance in Fresno, with a MoneyGeek score of 92 and an average monthly premium of $12 for men and 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 $12 per month
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $14 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 offers coverage for a set period, usually 10 to 30 years. It benefits those who need financial protection for their dependents during their most productive years. For example, a parent might choose this insurance to ensure their child's education is funded if they pass away unexpectedly.

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MoneyGeek Top Pick
Protective

In Fresno, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with a low monthly premium of $12 for both men and women.

Pros:

  • High customer satisfaction
  • Affordable coverage
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Fresno, CA

How was this MoneyGeek score calculated?

Protective offers the best whole life insurance provider in Fresno, 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 is a permanent policy that provides a death benefit and accumulates cash value over time. Some might choose it for the certainty of lifelong coverage and the potential to build cash value, which can be a financial asset in the future.

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MoneyGeek Top Pick
Protective

In Fresno, 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
  • Competitive pricing
  • Solid 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 Fresno, CA

How was this MoneyGeek score calculated?

Protective has Fresno'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 is a flexible policy that combines life insurance with savings, allowing for adjustable premiums and death benefits. For example, someone who wants the potential to build cash value over time might choose it over term life insurance, which doesn't have an investment component.

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MoneyGeek Top Pick
Protective

Protective is Fresno'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 rates
  • Strong financial stability

Cons: None

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

How was this MoneyGeek score calculated?

Protective offers the best life insurance without a medical exam requirement in Fresno. 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 a health checkup, benefiting those with health issues or urgent needs. This type of insurance suits those who need quick coverage or have medical conditions that might complicate traditional insurance applications.

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MoneyGeek Top Pick
Protective

In Fresno, 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
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

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Best Term Life Insurance for Seniors in Fresno, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Fresno, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $54 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 Fresno
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$54MG Score out of 10091
2CompanyMutual of OmahaPremium$61MG Score out of 10091
3CompanyNationwidePremium$51MG Score out of 10090
4CompanyAllstatePremium$49MG Score out of 10089
5CompanyTransamericaPremium$50MG Score out of 10088
6CompanyAAAPremium$68MG Score out of 10088
7CompanyPrudentialPremium$52MG Score out of 10087
8CompanyState FarmPremium$80MG Score out of 10086
9CompanyHavenPremium$107MG Score out of 10082

Best Term Life Insurance for Smokers in Fresno, CA

How was this MoneyGeek score calculated?

Mutual of Omaha provides the best term life insurance for smokers in Fresno, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $59 for males and $66 for females.

Smoking significantly impacts life insurance premiums due to health risks. Insurers often charge higher rates for smokers. Mutual of Omaha's high MoneyGeek score reflects its strong customer satisfaction, financial stability and diverse products, making it a reliable choice for smokers seeking comprehensive coverage.

Best Term Life Insurance for Smokers in Fresno
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$59MG Score out of 10090
2CompanyNationwidePremium$56MG Score out of 10089
3CompanyAAAPremium$61MG Score out of 10088
4CompanyPrudentialPremium$46MG Score out of 10088
5CompanyTransamericaPremium$54MG Score out of 10087
6CompanyProtectivePremium$95MG Score out of 10087
7CompanyHavenPremium$58MG Score out of 10086
8CompanyState FarmPremium$82MG Score out of 10084
9CompanyAllstatePremium$81MG Score out of 10084

Best Term Life Insurance for Young Adults in Fresno, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Fresno, with a MoneyGeek score of 92 and an average monthly premium of $7 for men and 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 Fresno
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$7MG Score out of 10092
2CompanyMutual of OmahaPremium$9MG Score out of 10091
3CompanyNationwidePremium$8MG Score out of 10090
4CompanyAllstatePremium$7MG Score out of 10089
5CompanyTransamericaPremium$7MG Score out of 10088
6CompanyAAAPremium$9MG Score out of 10088
7CompanyPrudentialPremium$10MG Score out of 10085
8CompanyState FarmPremium$12MG Score out of 10085
9CompanyHavenPremium$11MG Score out of 10084
10CompanyBestowPremium$15MG Score out of 10083

Best Cheap Term Life Insurance in Fresno, CA

How was this MoneyGeek score calculated?

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

Factors influencing premiums include age, health, coverage amount and term length. To get the lowest rates, maintain good health, choose a shorter term and opt for lower coverage amounts.

Best Cheap Term Life Insurance in Fresno
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyAllstatePremium$11MG Score out of 10091
3CompanyNationwidePremium$13MG Score out of 10091
4CompanyTransamericaPremium$12MG Score out of 10091
5CompanyMutual of OmahaPremium$14MG Score out of 10089
6CompanyAAAPremium$16MG Score out of 10087
7CompanyPrudentialPremium$16MG Score out of 10085
8CompanyState FarmPremium$20MG Score out of 10082
9CompanyHavenPremium$19MG Score out of 10082

Average Cost of Term Life Insurance in Fresno, CA

The average monthly premiums for term life insurance in Fresno are $22 for men and $20 for women. Costs vary based on factors like age, health, lifestyle, occupation and coverage amount.

Local conditions, such as health statistics, cost of living and regional risks, can affect these costs. Higher health risks or living costs might increase premiums, while lower risks or costs could lead to lower premiums. Understanding these factors can help you make informed decisions about life insurance.

FAQ About Life Insurance in Fresno, CA

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

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.