Best Life Insurance in Irvine, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Irvine, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $52. For women, the MoneyGeek score is 92, with an average premium of $38 per month.

Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Irvine, 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 InsuranceIrvine, CA
2024

Best Life Insurance Companies in Irvine

Overall Best Life Insurance in Irvine, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Irvine for both men and women, with a MoneyGeek score of 92 out of 100 at an average of $52 per month for men and 91 out of 100 at an average of $38 per month for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $52 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $64 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $38 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $47 per month for women

Protective stands out due to its high affordability and customer satisfaction scores. This makes it a reliable choice for the average individual looking to purchase life insurance in Irvine.

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MoneyGeek Top Pick
Protective

Protective emerges as the top life insurance provider in Irvine for both men and women, with a MoneyGeek score of 91 for women and 92 for men. The company offers an average premium of $38 for women and $52 for men, reflecting their commitment to affordability and value.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Rigid buying process

Best Term Life Insurance in Irvine, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance in Irvine. It boasts a MoneyGeek score of 92 for both men and women and average monthly premiums of $27 for men and $21 for women. It offers a balance of affordability, customer satisfaction and financial stability, making it an optimal choice for the average individual seeking reliable coverage without overpaying for premiums.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $27 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $21 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $28 per month for women

Term life insurance is a straightforward insurance product designed to offer peace of mind over a specific period. For instance, a parent might purchase a 20-year term policy to ensure their child's education costs are covered in the event of an unforeseen circumstance. It's a practical solution for those who need coverage for a defined time frame, often resulting in lower premiums than permanent life insurance options.

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MoneyGeek Top Pick
Protective

Protective is the leading life insurance provider in Irvine for both men and women, with a MoneyGeek score of 92 for each. It offers affordable premiums at $27 for men and $21 for women. While the buying process may not be its strongest suit, the overall value and reliability it offers make it a top contender in Irvine.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Rigid buying process

Best Whole Life Insurance in Irvine, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Irvine for both men and women, with a MoneyGeek score of 92. This score suggests that Protective stands out in affordability, customer satisfaction, buying process and financial stability, which are crucial for the average individual seeking a reliable life insurance policy.

Top two providers of whole life insurance:

  • 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. For example, someone might choose whole life insurance for the peace of mind that comes with fixed premiums and the potential to borrow against the policy's cash value in the future.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for the best whole life insurance in Irvine, catering to both men and women with an impressive MoneyGeek score of 92. This score reflects the company's commitment to providing top-notch service and value to its clients.

Pros:

  • High customer satisfaction
  • Strong affordability
  • 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 Irvine, CA

How was this MoneyGeek score calculated?

For individuals in Irvine seeking the best universal life insurance, Protective is the top choice for both men and women, boasting a MoneyGeek score of 91. The top two providers, based on MoneyGeek scores are as follows:

  • 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 type of permanent life insurance that combines a death benefit with a savings component. This can be particularly advantageous for those who value the ability to adjust their premiums and coverage amounts over time. For example, someone might choose universal life insurance to ensure long-term financial support for their beneficiaries while also accumulating cash value that can be borrowed against if needed.

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MoneyGeek Top Pick
Protective

Protective is the best universal life insurance provider in Irvine for both men and women, boasting a MoneyGeek score of 91 for each. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable choice for life insurance needs.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Rigid buying process
  • More product diversity needed

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

How was this MoneyGeek score calculated?

In Irvine, 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.

Here are the top providers of 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

No medical exam life insurance policies offer coverage without the need for a medical checkup. This can be beneficial for those with health concerns or who require immediate coverage. For example, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

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MoneyGeek Top Pick
Protective

Protective stands out for its commitment to customer satisfaction and affordable premiums for both men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Limited product diversity
  • Rigid buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Irvine, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for seniors in Irvine, Protective stands out for both men and women. It earned a MoneyGeek score of 91 for men with an average monthly premium of $126, and a score of 90 for women with a monthly premium of $97.

Age is a determining factor in life insurance costs, with premiums typically increasing as one ages. This reflects the higher risk associated with insuring older individuals. Protective's high MoneyGeek score signifies a strong balance between affordability, customer satisfaction and financial stability, making it a top choice for seniors looking for reliable coverage.

Best Term Life Insurance for Seniors in Irvine
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$126MG Score out of 10091
2CompanyMutual of OmahaPremium$141MG Score out of 10091
3CompanyNationwidePremium$119MG Score out of 10090
4CompanyAllstatePremium$114MG Score out of 10089
5CompanyTransamericaPremium$116MG Score out of 10088
6CompanyAAAPremium$158MG Score out of 10088
7CompanyPrudentialPremium$122MG Score out of 10087
8CompanyState FarmPremium$185MG Score out of 10086
9CompanyHavenPremium$249MG Score out of 10082

Best Term Life Insurance for Smokers in Irvine, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for smokers in Irvine, Mutual of Omaha stands out for both men and women. The company boasts a MoneyGeek score of 90 and a monthly premium of $136 for men, and a score of 89 with a $116 premium for women.

Smoking status is a significant factor in life insurance premiums due to the associated health risks, which often result in higher costs for smokers. Mutual of Omaha's high score reflects its strong performance across customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Smokers in Irvine
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$136MG Score out of 10090
2CompanyNationwidePremium$130MG Score out of 10089
3CompanyAAAPremium$141MG Score out of 10088
4CompanyPrudentialPremium$107MG Score out of 10088
5CompanyTransamericaPremium$126MG Score out of 10087
6CompanyProtectivePremium$221MG Score out of 10087
7CompanyHavenPremium$135MG Score out of 10086
8CompanyState FarmPremium$191MG Score out of 10084
9CompanyAllstatePremium$187MG Score out of 10084

Best Term Life Insurance for Young Adults in Irvine, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Irvine, Protective stands out with a MoneyGeek Score of 92 and an average monthly premium of $12 for women and $16 for men.

Age significantly affects the cost of life insurance premiums. Younger adults typically pay lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, excellent customer satisfaction and strong financial stability.

Best Term Life Insurance for Young Adults in Irvine
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$16MG Score out of 10092
2CompanyMutual of OmahaPremium$20MG Score out of 10091
3CompanyNationwidePremium$19MG Score out of 10090
4CompanyAllstatePremium$16MG Score out of 10089
5CompanyTransamericaPremium$16MG Score out of 10088
6CompanyAAAPremium$22MG Score out of 10088
7CompanyPrudentialPremium$24MG Score out of 10085
8CompanyState FarmPremium$29MG Score out of 10085
9CompanyHavenPremium$25MG Score out of 10084
10CompanyBestowPremium$35MG Score out of 10083

Best Cheap Term Life Insurance in Irvine, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Irvine, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $21 for women and $27 for men. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability, making it a top choice for those seeking the best cheap term life insurance in Irvine.

Factors affecting life insurance premiums include age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, choose a shorter term, and opt for a lower coverage amount if possible.

Best Cheap Term Life Insurance in Irvine
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$27MG Score out of 10092
2CompanyAllstatePremium$27MG Score out of 10091
3CompanyNationwidePremium$31MG Score out of 10091
4CompanyTransamericaPremium$27MG Score out of 10091
5CompanyMutual of OmahaPremium$32MG Score out of 10089
6CompanyAAAPremium$36MG Score out of 10087
7CompanyPrudentialPremium$36MG Score out of 10085
8CompanyState FarmPremium$46MG Score out of 10082
9CompanyHavenPremium$45MG Score out of 10082

Average Cost of Term Life Insurance in Irvine, CA

The average cost of term life insurance in Irvine is $35 per month for women and $50 per month for men.

Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation coverage amount, and policy term. Each of these factors can influence how much you pay for life insurance.

In Irvine, the cost of life insurance might be higher or lower compared to the rest of California due to various regional factors. Local health statistics, cost of living, and regional risk factors can all play a role in determining premiums. Understanding these factors can help you make informed decisions about your life insurance needs.

FAQ About Life Insurance in Irvine, CA

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

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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