Best Life Insurance in Modesto, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance company in Modesto, California, for men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average monthly premium of $29. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions. 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 Modesto, 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 InsuranceModesto, CA
2024

Best Life Insurance Companies in Modesto

Overall Best Life Insurance in Modesto, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Modesto, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $27 and $24, respectively.

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 $24 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $29 per month for women

Protective stands out due to its high customer satisfaction scores and affordable premiums. These attributes make it a great choice for individuals seeking reliable life insurance in Modesto.

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MoneyGeek Top Pick
Protective

Protective is the top life insurance provider in Modesto for men and women. With MoneyGeek scores of 91 for women and 92 for men, the company offers a blend of value and reliability. Women can secure coverage at approximately $24 per month, while men pay around $27 monthly.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Modesto, CA

How was this MoneyGeek score calculated?

For individuals in Modesto seeking the best term life insurance, Protective stands out with a MoneyGeek score of 92 for men and women. The average monthly premium is $14 for men and $13 for women, offering a balanced combination of affordability, customer satisfaction and financial stability. The company's leading score reflects its commitment to providing products that align with the needs of the average individual looking 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 $17 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $17 per month for women

Term life insurance offers a straightforward protection plan for a specific period, which can be crucial for those with temporary financial obligations or a limited budget. For example, a parent might choose term life insurance to ensure their child's education costs are covered until graduation.

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MoneyGeek Top Pick
Protective

Protective is the top choice for the best term life insurance in Modesto for men and women, with a MoneyGeek score of 92 for each. Men can expect a monthly premium of about $14, while women pay around $13. The company ensures affordability without compromising on quality. Protective's high score reflects a strong balance of customer satisfaction and financial stability, making it a solid choice for term life insurance seekers.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be better

Best Whole Life Insurance in Modesto, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Modesto for men and women, with a MoneyGeek score of 92 for each. This score suggests that Protective offers a combination of affordability, customer satisfaction and financial stability.

Top whole life companies for men in Modesto:

  • 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 Modesto:

  • 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 is a form of permanent life insurance that provides coverage for the insured's entire life. Unlike term life insurance, which covers a specific period, whole life insurance includes an investment component, building cash value over time. This can be particularly beneficial for individuals who want to ensure lifelong protection and potentially leave a financial legacy to their beneficiaries.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for whole life insurance in Modesto, with a MoneyGeek score of 92 for men and women. This score reflects the company's dedication to customer satisfaction and financial stability, ensuring policyholders receive quality service and reliable coverage.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Reliable 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 Modesto, CA

How was this MoneyGeek score calculated?

Protective is the premier provider of the best universal life insurance in Modesto, with a MoneyGeek score of 91 for men and women. This score suggests that the company stands out for its affordability, customer satisfaction, streamlined buying process, financial stability and diverse product offerings. Choosing Protective could provide the average individual with a reliable and comprehensive insurance solution.

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 is a type of permanent life insurance that offers both a death benefit and a cash value component, which can grow over time. For example, someone might choose universal life insurance over other types because it provides flexibility in premium payments and the potential for accumulating cash value, which can be used as a financial resource during their lifetime.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for universal life insurance in Modesto. With a MoneyGeek score of 91 for men and women, Protective stands out for its commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective is the top choice for the best no-medical-exam life insurance in Modesto for men and women, with a MoneyGeek score of 91 for each. This company stands out for its combination of affordability, customer satisfaction and financial stability, making it an excellent option for the average individual seeking a straightforward and reliable insurance experience.

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 medical assessment for approval, which can be particularly beneficial for those with health concerns or a need for quick coverage. For example, someone with a chronic illness might choose this type of insurance over traditional policies to avoid the risk of being denied coverage or facing higher premiums due to their health status.

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MoneyGeek Top Pick
Protective

Protective is the top choice for men and women in Modesto seeking life insurance with no mandatory medical exam. With a MoneyGeek score of 91 for both genders, this company stands out for its exceptional customer satisfaction and strong financial stability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial foundation

Cons:

  • Buying process could improve

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Best Term Life Insurance for Seniors in Modesto, CA

How was this MoneyGeek score calculated?

In Modesto, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $66 and $60, respectively.

Age is a determining factor in life insurance premiums, as risk increases with age, leading to higher costs. Protective's high MoneyGeek score reflects a balance of affordability, customer satisfaction and financial stability. For seniors in Modesto, this means a reliable coverage option that meets their specific needs without compromising on quality or service.

Best Term Life Insurance for Seniors in Modesto
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$66MG Score out of 10091
2CompanyMutual of OmahaPremium$73MG Score out of 10091
3CompanyNationwidePremium$62MG Score out of 10090
4CompanyAllstatePremium$59MG Score out of 10089
5CompanyTransamericaPremium$60MG Score out of 10088
6CompanyAAAPremium$82MG Score out of 10088
7CompanyPrudentialPremium$63MG Score out of 10087
8CompanyState FarmPremium$96MG Score out of 10086
9CompanyHavenPremium$130MG Score out of 10082

Best Term Life Insurance for Smokers in Modesto, CA

How was this MoneyGeek score calculated?

For smokers in Modesto seeking term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. The company offers policies at an average monthly premium of $71 and $72, respectively.

Smoking plays a significant role in life insurance premiums, as smokers face higher health risks, which translates to higher costs. Mutual of Omaha's top scores reflect its balance of affordability, customer satisfaction and financial stability, making it a leading choice for the best term life insurance for smokers. Choosing a policy from a company with such credentials can be a wise decision for smokers who want to ensure comprehensive and cost-effective coverage.

Best Term Life Insurance for Smokers in Modesto
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$71MG Score out of 10090
2CompanyNationwidePremium$68MG Score out of 10089
3CompanyAAAPremium$73MG Score out of 10088
4CompanyPrudentialPremium$56MG Score out of 10088
5CompanyTransamericaPremium$65MG Score out of 10087
6CompanyProtectivePremium$115MG Score out of 10087
7CompanyHavenPremium$70MG Score out of 10086
8CompanyState FarmPremium$100MG Score out of 10084
9CompanyAllstatePremium$98MG Score out of 10084

Best Term Life Insurance for Young Adults in Modesto, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Modesto, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $8 for men and women.

Age is a key factor in determining life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high score reflects its strong performance in affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Modesto
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$9MG Score out of 10089
5CompanyTransamericaPremium$9MG 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 Modesto, CA

How was this MoneyGeek score calculated?

In Modesto, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 for each. The average monthly premium is $14 for men and $13 for women. Protective's high MoneyGeek score reflects its balance of affordability, customer satisfaction and financial stability.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. Younger and healthier individuals typically pay lower premiums. Additionally, nonsmokers and those with a good health rating receive better rates. To secure the lowest premiums, consider purchasing a policy at a younger age, maintaining good health and choosing a term length that meets your needs.

Best Cheap Term Life Insurance in Modesto
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$17MG Score out of 10089
6CompanyAAAPremium$19MG Score out of 10087
7CompanyPrudentialPremium$19MG Score out of 10085
8CompanyState FarmPremium$24MG Score out of 10082
9CompanyHavenPremium$23MG Score out of 10082

Average Cost of Term Life Insurance in Modesto, CA

The average cost of term life insurance in Modesto, California, is $22 per month for women and $26 per month for men.

Various factors influence life insurance premiums, including age, health, lifestyle and the amount of coverage. In Modesto, local economic conditions, health statistics and regional risk factors might cause premiums to be higher or lower than in other parts of California. Understanding these factors can help consumers make informed decisions about their life insurance needs.

FAQ About Life Insurance in Modesto, CA

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

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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