Best Life Insurance in Hayward, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Hayward, California, for both men (MoneyGeek score of 92) and women (MoneyGeek score of 91). With an average monthly premium of $32 for men and $30 for women, Protective offers robust options. These scores and premiums are based on a 20-year term policy with $500,000 coverage.

When choosing a life insurance, consider factors like age, health and coverage amount. Your unique needs 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 Hayward, 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 InsuranceHayward, CA
2024

Best Life Insurance Companies in Hayward

Overall Best Life Insurance in Hayward, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Hayward for both men and women, with a MoneyGeek score of 91 and 92, respectively. The average monthly premium is $37 for men and $29 for women.

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. This makes it a great choice for individuals seeking reliable life insurance in Hayward.

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MoneyGeek Top Pick
Protective

Protective is the best life insurance provider in Hayward for both men and women, boasting MoneyGeek scores of 92 and 91, respectively. Men can expect a monthly premium of $37, while women are offered a slightly lower premium of $29. The company's high scores in customer satisfaction and financial stability make it a reliable choice for prospective policyholders.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Strong financial stability

Cons:

  • Rigid buying process

Best Term Life Insurance in Hayward, CA

How was this MoneyGeek score calculated?

For those in Hayward seeking the best term life insurance, Protective stands out with a MoneyGeek score of 92 for both men and women and an average monthly premium of $16. Protective offers reliable coverage and financial stability, making it a solid choice for the average individual looking for term life insurance.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $19 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $22 per month for women

Term life insurance provides coverage for a specified period and offers a death benefit if the insured passes away during the term. It's often chosen 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.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider for men and women in Hayward, with a MoneyGeek score of 92. Those looking for reliable coverage can expect to pay an average monthly premium of $16.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Rigid buying process

Best Whole Life Insurance in Hayward, CA

How was this MoneyGeek score calculated?

In Hayward, Protective offers the best whole life insurance for both men and women, boasting a MoneyGeek score of 92. This score reflects a strong combination of affordability, customer satisfaction and financial stability, making Protective a solid choice for individuals seeking a reliable insurance provider.

Here are the top providers:

  • 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 a fixed premium and a guaranteed death benefit, making it a predictable option for long-term financial planning. For example, someone might choose whole life insurance to ensure their family's financial security regardless of market fluctuations.

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MoneyGeek Top Pick
Protective

Protective is the top choice for whole life insurance in Hayward for both men and women, boasting a MoneyGeek score of 92 for each. The company's commitment to excellence is evident in its high customer satisfaction and affordability ratings.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Solid financial stability

Cons:

  • Rigid buying process

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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Best Universal Life Insurance in Hayward, CA

How was this MoneyGeek score calculated?

Protective is the best universal life insurance provider in Hayward, with a MoneyGeek score of 91 for both men and women. The company's high score indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity, making it an excellent choice for individuals seeking a reliable universal life insurance policy.

Best universal life insurance providers:

  • 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 who want long-term coverage with the potential for cash value growth. For instance, a young professional might choose universal life insurance to secure a low-cost policy that can adapt to their changing financial situation over time.

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MoneyGeek Top Pick
Protective

Protective offers the best universal life insurance in Hayward, boasting the highest MoneyGeek scores of 91 for both men and women. This distinction underscores the company's commitment to offering reliable coverage and service to all customers.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • N/A

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

How was this MoneyGeek score calculated?

In Hayward, 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.

Best no-medical-exam life insurance:

  • 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 is a policy that does not require a medical examination for enrollment. This can be beneficial for those who need insurance quickly or have health issues that could disqualify them from traditional policies. For example, an individual with a chronic illness might opt for no-medical-exam insurance to avoid the potential for higher premiums or denial of coverage.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for no-medical-exam life insurance for both men and women, boasting an impressive MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable option for life insurance seekers aiming for comprehensive coverage without the need for a medical exam.

Pros:

  • High customer satisfaction
  • Affordable rates
  • Solid financial stability

Cons:

  • Rigid buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Hayward, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for seniorsin Hayward, Protective stands out for both men and women with a MoneyGeek Score of 91 and an average monthly premium of $76 for men, and a score of 90 with a $77 premium for women.

Age is a key factor in determining life insurance premiums, as risk increases with age, leading to higher costs. Protective's high score reflects its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity. These factors make Protective a notable option for those prioritizing a balance of cost and quality in their life insurance choice.

Best Term Life Insurance for Seniors in Hayward
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$76MG Score out of 10091
2CompanyMutual of OmahaPremium$85MG Score out of 10091
3CompanyNationwidePremium$72MG Score out of 10090
4CompanyAllstatePremium$69MG Score out of 10089
5CompanyTransamericaPremium$70MG Score out of 10088
6CompanyAAAPremium$95MG Score out of 10088
7CompanyPrudentialPremium$73MG Score out of 10087
8CompanyState FarmPremium$111MG Score out of 10086
9CompanyHavenPremium$150MG Score out of 10082

Best Term Life Insurance for Smokers in Hayward, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for smokers in Hayward, Mutual of Omaha stands out for both men and women, with a MoneyGeek Score of 90 and an average monthly premium of $82 for men, and a score of 89 with a $91 premium for women.

Smoking significantly influences life insurance premiums due to the health risks it poses, often leading to higher costs. Mutual of Omaha's top rankings reflect their balance of affordability, customer satisfaction and financial stability. These factors are vital when choosing life insurance, as they indicate a company's ability to support policyholders over the term's length.

Best Term Life Insurance for Smokers in Hayward
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$82MG Score out of 10090
2CompanyNationwidePremium$78MG Score out of 10089
3CompanyAAAPremium$85MG Score out of 10088
4CompanyPrudentialPremium$64MG Score out of 10088
5CompanyTransamericaPremium$76MG Score out of 10087
6CompanyProtectivePremium$133MG Score out of 10087
7CompanyHavenPremium$81MG Score out of 10086
8CompanyState FarmPremium$115MG Score out of 10084
9CompanyAllstatePremium$113MG Score out of 10084

Best Term Life Insurance for Young Adults in Hayward, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Hayward, Protective stands out for both men and women with a MoneyGeek score of 92 and an average monthly premium of $10.

Age plays a significant role in determining life insurance premiums. Younger adults typically pay lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability. This makes it a strong choice for young adults seeking reliable term life insurance.

Best Term Life Insurance for Young Adults in Hayward
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$10MG Score out of 10092
2CompanyMutual of OmahaPremium$12MG Score out of 10091
3CompanyNationwidePremium$12MG Score out of 10090
4CompanyAllstatePremium$10MG Score out of 10089
5CompanyTransamericaPremium$10MG Score out of 10088
6CompanyAAAPremium$13MG Score out of 10088
7CompanyPrudentialPremium$14MG Score out of 10085
8CompanyState FarmPremium$17MG Score out of 10085
9CompanyHavenPremium$15MG Score out of 10084
10CompanyBestowPremium$21MG Score out of 10083

Best Cheap Term Life Insurance in Hayward, CA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Hayward for both men and women, with a MoneyGeek Score of 92 and an average monthly premium of $16. It is able to balance affordability, customer satisfaction, and financial stability.

Several factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums possible, individuals should maintain good health, choose an appropriate coverage amount and select a suitable term length.

Best Cheap Term Life Insurance in Hayward
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$16MG Score out of 10092
2CompanyAllstatePremium$16MG Score out of 10091
3CompanyNationwidePremium$18MG Score out of 10091
4CompanyTransamericaPremium$16MG Score out of 10091
5CompanyMutual of OmahaPremium$19MG Score out of 10089
6CompanyAAAPremium$22MG Score out of 10087
7CompanyPrudentialPremium$22MG Score out of 10085
8CompanyState FarmPremium$28MG Score out of 10082
9CompanyHavenPremium$27MG Score out of 10082

Average Cost of Term Life Insurance in Hayward, CA

The average cost of term life insurance in Hayward is $28 per month for women and $30 per month for men.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle, occupation and the amount of coverage needed. Each of these factors can influence the risk assessment made by insurance companies, thereby affecting the premium cost.

In Hayward, the cost of life insurance might be higher or lower compared to the rest of California due to local health trends, economic conditions and demographic factors. For example, if Hayward has higher health care costs or a higher prevalence of certain health conditions, this could lead to higher life insurance premiums. Conversely, if the local economy is strong and residents generally have healthier lifestyles, premiums might be lower.

FAQ About Life Insurance in Hayward, CA

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

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.


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