Best Life Insurance in Fullerton, CA (October 2024)

Protective is the best life insurance provider in Fullerton, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $33 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. Your unique situation may mean a different company is best for you.

Protective offers the best life insurance in Fullerton, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premiums are $33 and $27, respectively.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $33 per month
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $40 per month

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $27 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for women

Protective's high affordability and customer satisfaction scores make it the top choice for life insurance.

Protective has the best term life insurance in Fullerton, with a MoneyGeek score of 92 and average monthly premiums of $17 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 $17 per month
• Allstate: MoneyGeek score of 91 out of 100 at $17 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 predetermined period. For example, a parent might purchase a 20-year term policy to fund their child's education in the event of an untimely death.

Protective offers the best whole life insurance provider in Fullerton, 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 offers lifelong coverage and includes a cash value component that grows over time. Unlike term life insurance, which lasts for a specific period, whole life insurance ensures ongoing protection and can be a way to leave a financial legacy for heirs.

Protective has Fullerton'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 provides flexible premiums and death benefits, making it a versatile option for long-term financial planning. It benefits those who want to build cash value and adjust payments over time, offering more flexibility than traditional term or whole life policies.

Protective offers the best life insurance without a medical exam requirement in Fullerton. 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 that doesn't require a medical exam provides coverage without needing a health checkup. Someone with a busy schedule or a fear of medical tests might get this insurance to ensure immediate protection for their loved ones.

Protective offers the best term life insurance for seniors in Fullerton, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $79 for males and $69 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 Fullerton, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $85 for males and $83 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.

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

Age is a significant factor in life insurance premiums because younger people typically have fewer health issues, posing less risk to insurers. Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability and financial stability.

In Fullerton, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women.

Age, health and coverage influence life insurance costs. To get the lowest premiums, maintain good health, avoid tobacco use and compare quotes from different insurers.

The average monthly premiums for term life insurance in Fullerton are $33 for men and $29 for women. Knowing these rates can help you make informed decisions when purchasing life insurance.

Several factors affect costs, including age, health, lifestyle and occupation. Insurance companies assess them to determine the risk associated with insuring an individual.

Premiums in Fullerton might be higher or lower than in other parts of California for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, premiums might be higher in areas with higher health care costs or a higher incidence of certain health conditions. Conversely, lower living costs or healthier lifestyles could result in lower premiums.