Best Life Insurance in Long Beach, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance provider in Long Beach, California, for men and women. The MoneyGeek score for men is 92, with an average monthly premium of $27. For women, the MoneyGeek score is 91, with a monthly premium of $25. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding what type of life insurance to buy. 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 Long Beach, California.

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Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceLong Beach, CA
2024

Best Life Insurance Companies in Long Beach

Overall Best Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

In Long Beach, Protective is the best life insurance provider for men and women. It has a MoneyGeek score of 92 and an average monthly premium of $27 for men. For women, it has a MoneyGeek score of 91 and an average monthly premium of $25. Protective's high affordability and customer satisfaction scores make it a strong choice for life insurance.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $27 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $25 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $31 per month for women

Protective stands out due to its balance of affordability and customer satisfaction, making it the best option for most individuals seeking life insurance in Long Beach.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for life insurance in Long Beach, with a MoneyGeek score of 92 for men and 91 for women. The company offers a blend of value and security at an average monthly premium of $27 for men and $25 for women. Protective provides a reliable option for those seeking financial protection for their loved ones.

Pros:

  • Exceptional customer satisfaction
  • High affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety needed

Best Term Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance in Long Beach for men and women, with a MoneyGeek score of 92 and an average monthly premium of $14 for each. Its score reflects Protective's strong performance in affordability, customer satisfaction, financial stability and product diversity, making it a solid choice for individuals in the market for reliable term life insurance coverage.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $14 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $14 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $18 per month for women

Term life insurance provides coverage for a specific term, such as 10, 20 or 30 years. It's often chosen for its simplicity and lower premiums than permanent life insurance. For example, a young family might opt for term life insurance to ensure financial stability while paying off a mortgage or raising children.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for men and women seeking term life insurance in Long Beach. With a MoneyGeek score of 92 and an average monthly premium of $14, the company provides a solid balance of affordability and reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Long Beach for men and women, with a MoneyGeek score of 92 for each. Protective's balance of affordability, customer satisfaction, financial stability and product diversity makes it a solid choice for individuals looking for reliable coverage.

Top whole life companies for men in Long Beach:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Long Beach:

  • Protective: MoneyGeek score of 92 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for women

Whole life insurance provides lifelong coverage and a cash value component, making it an attractive option for those seeking a stable, long-term investment. For example, someone might choose whole life insurance over term life insurance to ensure that they have a guaranteed benefit for their beneficiaries, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

Protective is the best provider for whole life insurance in Long Beach for men and women. With an overall MoneyGeek score of 92 for each gender, Protective stands out for its commitment to customer satisfaction and affordability.

Pros:

  • High customer contentment
  • Strong affordability
  • 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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Best Universal Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Long Beach for men and women, with a MoneyGeek score of 91 for each. When seeking a policy that offers financial stability and customer satisfaction, Protective's top score reflects a strong balance of affordability and product diversity.

Best universal life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best for women's universal life insurance:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Universal life insurance provides flexibility in premium payments and the potential for cash value growth. For instance, someone may choose universal life insurance for its ability to accumulate savings that can be borrowed against, which is not typically an option with term life insurance.

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MoneyGeek Top Pick
Protective

For those seeking the best universal life insurance in Long Beach, Protective is the leading choice for men and women. Its MoneyGeek score of 91 for both genders reflects its strong combination of customer satisfaction, affordability and financial stability.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

In Long Beach, Protective provides best no-medical-exam life insurance for men and women, with a MoneyGeek score of 91 for each. This score reflects the company's commitment to affordability, customer satisfaction, financial stability and product diversity, which are key factors for individuals seeking reliable life insurance without the inconvenience of a medical exam.

Best no-medical-exam life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Life insurance without a required medical exam is a policy that does not require a physical assessment for approval. It is an attractive option for those who need coverage quickly or have health concerns that could complicate the underwriting process. For instance, individuals with chronic conditions might choose this policy over traditional ones to avoid the potential of being denied coverage or facing high premiums due to their health status.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for the best life insurance with no mandatory medical exam in Long Beach. With a MoneyGeek score of 91 for men and women, the company demonstrates a strong balance of customer satisfaction, affordability and financial stability. The company's commitment to these areas reflects its dedication to serving its clientele without compromising on quality or service.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety desired

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Best Term Life Insurance for Seniors in Long Beach, CA

How was this MoneyGeek score calculated?

In Long Beach, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premium is $64 for both genders.

Age is a determining factor in insurance premiums, with costs typically rising as policyholders age. Protective's top scores reflect its commitment to customer satisfaction and financial stability, essential for seniors who prioritize dependability in their life insurance provider.

Best Term Life Insurance for Seniors in Long Beach
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$64MG Score out of 10091
2CompanyMutual of OmahaPremium$72MG Score out of 10091
3CompanyNationwidePremium$61MG Score out of 10090
4CompanyAllstatePremium$58MG Score out of 10089
5CompanyTransamericaPremium$59MG Score out of 10088
6CompanyAAAPremium$81MG Score out of 10088
7CompanyPrudentialPremium$62MG Score out of 10087
8CompanyState FarmPremium$95MG Score out of 10086
9CompanyHavenPremium$127MG Score out of 10082

Best Term Life Insurance for Smokers in Long Beach, CA

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance for smokers in Long Beach, with a MoneyGeek score of 90 for men and 89 for women. Its average monthly premiums are $69 and $77, respectively.

Smokers face higher premiums due to the increased risks associated with tobacco use, which life insurance companies account for in their pricing. Mutual of Omaha's high scores reflect a balance of cost, customer satisfaction and financial stability, making it a top choice for smokers seeking reliable coverage.

Best Term Life Insurance for Smokers in Long Beach
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$69MG Score out of 10090
2CompanyNationwidePremium$66MG Score out of 10089
3CompanyAAAPremium$72MG Score out of 10088
4CompanyPrudentialPremium$55MG Score out of 10088
5CompanyTransamericaPremium$64MG Score out of 10087
6CompanyProtectivePremium$113MG Score out of 10087
7CompanyHavenPremium$69MG Score out of 10086
8CompanyState FarmPremium$98MG Score out of 10084
9CompanyAllstatePremium$96MG Score out of 10084

Best Term Life Insurance for Young Adults in Long Beach, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Long Beach, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $8 for both men and women. Protective's high rating is attributed to its affordability, strong customer satisfaction and financial stability.

Age significantly impacts the cost of life insurance premiums, with younger individuals generally benefiting from lower rates. Choosing the best term life insurance for young adults can be crucial for financial planning, and Protective offers a well-rounded option for those in Long Beach.

Best Term Life Insurance for Young Adults in Long Beach
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$10MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$11MG Score out of 10088
7CompanyPrudentialPremium$12MG Score out of 10085
8CompanyState FarmPremium$15MG Score out of 10085
9CompanyHavenPremium$13MG Score out of 10084
10CompanyBestowPremium$18MG Score out of 10083

Best Cheap Term Life Insurance in Long Beach, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Long Beach, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $14 for men and women. Protective achieves its high MoneyGeek score through affordability, high customer satisfaction and strong financial stability.

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.

Best Cheap Term Life Insurance in Long Beach
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$14MG Score out of 10092
2CompanyAllstatePremium$14MG Score out of 10091
3CompanyNationwidePremium$16MG Score out of 10091
4CompanyTransamericaPremium$14MG Score out of 10091
5CompanyMutual of OmahaPremium$16MG Score out of 10089
6CompanyAAAPremium$18MG Score out of 10087
7CompanyPrudentialPremium$18MG Score out of 10085
8CompanyState FarmPremium$23MG Score out of 10082
9CompanyHavenPremium$23MG Score out of 10082

Average Cost of Term Life Insurance in Long Beach, CA

The average cost of term life insurance premiums in Long Beach, California, is $23 per month for women and $26 per month for men.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle, policy type and the amount of coverage. For instance, younger and healthier individuals typically pay lower premiums. Similarly, nonsmokers often receive better rates than smokers.

The cost of life insurance in Long Beach may differ from the rest of California due to various local factors. Health statistics, economic conditions, crime rates and environmental factors can all play a role. For example, areas with higher crime rates or poorer health statistics might see higher premiums. Conversely, regions with better overall health and lower crime could benefit from lower insurance costs.

Understanding these factors can help you make informed decisions about your life insurance policies and potentially find ways to reduce your premiums.

FAQ About Life Insurance in Long Beach, CA

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

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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