Best Life Insurance in Moreno Valley, CA (September 2024)

Protective is the best life insurance provider in Moreno Valley, California, with a MoneyGeek score of 91 for women and 92 for men. The average monthly premiums are $21 and $25, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions, so it's important to consider your unique needs. Your unique needs may mean a different company is best for you.

In Moreno Valley, Protective offers the best life insurance for men and women. For men, it has a MoneyGeek score of 92 and an average monthly premium of $25. For women, it has a MoneyGeek score of 91 and an average monthly premium of $21.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $25 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $30 per month for men

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $21 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for women

Protective stands out due to its high MoneyGeek scores and affordable premiums, making it a great choice for individuals seeking life insurance in Moreno Valley.

In Moreno Valley, Protective provides the best term life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $13 for men and $12 for women. Protective's high score reflects its strong performance across affordability, customer satisfaction and financial stability.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $15 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $15 per month for women

Term life insurance provides coverage for a specific period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, someone might opt for term life insurance to ensure their family can pay off a mortgage or fund education expenses in the event of their untimely death.

When searching for the best whole life insurance in Moreno Valley, Protective stands out with a MoneyGeek score of 92 for men and women. This score indicates the company's balance of affordability, customer satisfaction and financial stability.

Top whole life companies for men in Moreno Valley:

• 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 Moreno Valley:

• 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 type of permanent life insurance that offers a death benefit and cash value component, which can be a financial safety net for policyholders' loved ones or a long-term investment. For example, someone might choose whole life insurance to ensure their family's financial security while accumulating savings that can be borrowed against in the future.

In Moreno Valley, Protective provides the best universal life insurance for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability 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 offers flexibility and the potential for cash value growth, making it a compelling option for those who value long-term financial planning. For example, a person interested in estate planning might choose universal life insurance to provide for their heirs while accruing cash value that can be borrowed against during their lifetime.

In Moreno Valley, Protective is the best no-medical-exam life insurance provider for men and women, with a MoneyGeek score of 91 for both. The company excels in affordability, customer satisfaction and financial stability.

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 offers a convenient option for those who prefer a quicker application process without needing a medical assessment. For example, individuals with busy schedules or those with a fear of needles might opt for this type of insurance.

In Moreno Valley, Protective provides the best term life insurance for seniors, with Moneygeek scores of 91 for men and 90 for women. Men can expect an average monthly premium of $60, while women are looking at approximately $54.

Age is a determining factor in life insurance premiums, as insurers view older individuals as higher risk, often leading to increased costs. Protective's high MoneyGeek scores reflect their commitment to affordability, customer satisfaction and financial stability, which are pivotal for seniors seeking reliable coverage.

For smokers in Moreno Valley seeking term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. This company offers reliable coverage at an average monthly premium of $64 for men and $65 for women.

Smoking significantly affects life insurance costs, as insurers view smokers as higher-risk clients with a greater likelihood of health-related claims. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability and product diversity. These factors are vital for individuals looking for the best term life insurance for smokers, ensuring they receive competitive rates, comprehensive coverage and quality service.

In Moreno Valley, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for men and women. Its average monthly premium is $8 for men and $7 for women. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.

Age plays a significant role in determining life insurance premiums. Younger adults typically benefit from lower rates due to their lower health risks. Understanding these factors can help young adults make informed decisions about their life insurance needs.

For those seeking the best cheap term life insurance in Moreno Valley, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premium is $13 for men and $12 for women. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability.

Factors that influence the cost of premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain excellent health, choose a shorter term length and opt for a lower coverage amount.

The average cost of term life insurance premiums in Moreno Valley is $20 for women and $24 for men. Many factors affect the cost of life insurance premiums, including age, health, lifestyle choices, the amount of coverage, the length of the term and the insurer.

In Moreno Valley, the cost of life insurance might be higher or lower than in the rest of California due to local demographics, health statistics and lifestyle choices. For example, premiums might be higher if the area has a higher prevalence of certain health conditions or riskier lifestyles. Conversely, a healthier population might result in lower premiums.

Understanding these factors can help you make informed decisions when purchasing life insurance and potentially avoid higher costs.