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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.