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

Protective is the best life insurance company in Garden Grove, California. It earned MoneyGeek scores of 91 for men and 92 for women at an average of $37 and $29 monthly premiums, respectively. These scores and premiums are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider factors like policy length, coverage amount and your unique needs.

In Garden Grove, Protective offers the best life insurance, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $37 and $29, respectively.

Top providers for men:

• Protective: MoneyGeek score of 91 out of 100 at $37 per month for men
• Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month for men

Top providers for women:

• Protective: MoneyGeek score of 92 out of 100 at $29 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month for women

Protective stands out due to its high customer satisfaction scores and affordable premiums.

For those seeking the best term life insurance in Garden Grove, Protective stands out with a MoneyGeek score of 91 for men and 92 for women, and monthly premiums of $13 and $12, respectively. This company offers the highest overall value based on a combination of affordability, customer satisfaction, and financial stability.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 91 out of 100 at $13 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for women

Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.

Protective is the best whole life insurance provider in Garden Grove for both men and women, boasting a MoneyGeek score of 92 out of 100. This score reflects the company's strong performance in customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable long-term coverage.

• 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 choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.

Protective offers the best universal life insurance in Garden Grove for both men and women, with a MoneyGeek score of 91. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability, and product diversity.

The top two providers are:

• 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 a suitable option for those seeking long-term financial security. For instance, a parent might choose universal life insurance to provide for their children while also accruing cash value that can be borrowed against in the future.

In Garden Grove, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.

• 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 allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

For older men in Garden Grove seeking the best term life insurance for seniors in Garden Grove, Protective leads with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $61 and $56, respectively.

Age impacts life insurance premiums, as insurers consider the increased health risks associated with age. Protective stands out due to its strong performance in affordability, customer satisfaction, buying process, financial stability and product diversity.

In Garden Grove, Mutual of Omaha stands out for men and women seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and 89, and average monthly premiums of $65 and $67, respectively.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha's score reflects its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.

Protective offers the best term life insurance for young adults in Garden Grove. It has a MoneyGeek score of 92 and a monthly premium of $7 for women and $8 for men.

Age is a significant factor in determining life insurance premiums. Younger adults typically pay lower premiums due to their lower risk of health issues.

Protective has the highest MoneyGeek score due to its affordability, high customer satisfaction and strong financial stability. For young adults in Garden Grove, choosing Protective ensures they get the best value and coverage.

In Garden Grove, Protective offers the best cheap term life insurance for both men and women, with a MoneyGeek score of 92. The average monthly premium is $12 for women and $13 for men.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

The average monthly premium for term life insurance in Garden Grove is $20 for women and $24 for men.

Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, policy term and coverage amount.

Life insurance rates in Garden Grove might be higher or lower than in the rest of California due to local health statistics, crime rates, cost of living and other economic factors. For instance, if Garden Grove has lower crime rates or better overall health statistics, premiums might be lower. Conversely, a higher cost of living could drive premiums up.

Understanding these factors can help consumers make informed decisions when purchasing life insurance.