Best Life Insurance in Oceanside, CA (September 2024)


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The best life insurance provider in Oceanside, California, for men and women is Protective. The MoneyGeek score for men is 92, with a monthly premium of $29. For women, the score is 91, with a monthly premium of $23. These scores and premium costs are based on a 20-year term policy and $500,000 coverage.

When deciding on what type of life insurance to buy, consider factors like term length, coverage amount and your unique needs. While Protective ranks highest in this analysis, your specific situation may lead you to choose a different provider.

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 Oceanside, 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 InsuranceOceanside, CA
2024

Best Life Insurance Companies in Oceanside

Overall Best Life Insurance in Oceanside, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Oceanside for men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $29 for women.

The top providers for men are:

  • Protective: MoneyGeek score of 91 out of 100 at $37 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month for women

Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Oceanside.

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MoneyGeek Top Pick
Protective

Protective is the leading life insurance provider in Oceanside for men and women, with a MoneyGeek score of 91 for women and 92 for men. For women, the monthly premium is $23, while men can expect to pay $29. This top-ranking is based on a blend of superior customer satisfaction and strong financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Above-average affordability

Cons:

  • Buying process could improve

Best Term Life Insurance in Oceanside, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance in Oceanside for men and women, with a MoneyGeek score of 92 and monthly premiums of $15 for men and $12 for women. This company stands out for its combination of high customer satisfaction and affordability, making it an excellent choice for the average individual looking for reliable coverage without breaking the bank.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month for men

The top providers for women 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 $16 per month for women

Term life insurance provides coverage for a specific period, offering a death benefit if the insured passes away during the term. For example, a parent might purchase a 20-year term policy to ensure their child's education costs are covered.

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MoneyGeek Top Pick
Protective

The best term life insurance in Oceanside for women and men is Protective, with a MoneyGeek score of 92 for both and a monthly premium of $12 and $15, respectively. Protective offers a blend of value and reliability that's hard to beat.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Oceanside, CA

How was this MoneyGeek score calculated?

In Oceanside, Protective stands out as the provider with the best whole life insurance for men and women, with a MoneyGeek score of 92. The company's high score suggests a strong combination of customer satisfaction, financial stability and product diversity.

The top providers for men are:

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

The top providers for women are:

  • 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 includes an investment component, which can accumulate cash value over time. This makes it a suitable option for those who want a guaranteed benefit for their loved ones and a potential cash reserve for future needs.

mglogo
MoneyGeek Top Pick
Protective

With a MoneyGeek score of 92 for men and women, Protective stands out as the best choice for whole life insurance in Oceanside. The company's commitment to customer satisfaction and affordability has earned it top rankings, making it a reliable option for insurance seekers.

Pros:

  • High customer satisfaction
  • Noteworthy affordability
  • Stable financial foundation

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 Oceanside, CA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Oceanside for men and women, with a MoneyGeek score of 91. This score reflects the company's strong performance across various metrics, including affordability, customer satisfaction and financial stability, which are critical factors for anyone considering life insurance coverage.

The top providers for men are:

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

The top providers for women are:

  • 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 flexible premiums and death benefits, which can be tailored to an individual's changing needs over time. For example, someone might choose universal life insurance for the potential to accumulate cash value that can be used during their lifetime, in contrast to term life insurance, which only provides coverage for a set period.

mglogo
MoneyGeek Top Pick
Protective

For individuals in Oceanside seeking reliable universal life insurance, Protective emerges as the top choice for men and women, with an impressive MoneyGeek score of 91 for each. The company's commitment to customer satisfaction and affordability sets it apart from the competition.

Pros:

  • High customer approval
  • Strong affordability
  • Solid financial foundation

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

For those looking for the best life insurance with no mandatory medical exam in Oceanside, Protective stands out for men and women, with a MoneyGeek score of 91 out of 100.

Protective's score indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity, making it a compelling choice for the average individual seeking life insurance without the need for a medical exam.

The top providers for men are:

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

The top providers for women are:

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

No-medical-exam life insurance allows individuals to obtain coverage quickly and without the need for a health assessment. For example, someone with a busy lifestyle or with concerns about medical procedures might opt for this type of insurance over traditional policies.

mglogo
MoneyGeek Top Pick
Protective

For those in Oceanside seeking reliable no-medical-exam life insurance, Protective emerges as the top provider for men and women, with a MoneyGeek score of 91. This score reflects a harmonious balance of affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Oceanside, CA

How was this MoneyGeek score calculated?

In Oceanside, Protective stands out as the top provider of the best term life insurance for seniors, with a MoneyGeek score of 91 for men with a monthly premium of $69, and a score of 90 for women with a premium of $58. Age is a pivotal factor in life insurance costs; as individuals age, the risk to insurers increases, often resulting in higher premiums.

Protective's leading scores reflect its strong performance across various metrics, including customer satisfaction and financial stability. For seniors in Oceanside, choosing a company with a high MoneyGeek score can be a testament to the insurer's commitment to quality and reliability in its offerings.

Best Term Life Insurance for Seniors in Oceanside
Data filtered by:Results filtered by:
gender:
gender:M
1Protective$6991
2Mutual of Omaha$7791
3Nationwide$6590
4Allstate$6289
5Transamerica$6388
6AAA$8788
7Prudential$6687
8State Farm$10186
9Haven$13682

Best Term Life Insurance for Smokers in Oceanside, CA

How was this MoneyGeek score calculated?

For those in Oceanside seeking the best term life insurance for smokers, Mutual of Omaha stands out with the highest MoneyGeek score of 90 for men and 89 for women. Men can expect a monthly premium of around $74, while women's premiums are approximately $69.

Smoking significantly influences life insurance costs as insurers view it as a high-risk behavior, leading to higher premiums. Mutual of Omaha's top scores reflect its balance of cost, customer satisfaction, financial stability and product diversity, which are crucial for individuals requiring dependable coverage amidst the risks associated with smoking.

Best Term Life Insurance for Smokers in Oceanside
Data filtered by:Results filtered by:
gender:
gender:M
1Mutual of Omaha$7490
2Nationwide$7189
3AAA$7788
4Prudential$5888
5Transamerica$6987
6Protective$12187
7Haven$7486
8State Farm$10584
9Allstate$10284

Best Term Life Insurance for Young Adults in Oceanside, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Oceanside, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $7 for women and $9 for men. Age plays a significant role in determining life insurance premiums. Younger individuals typically pay lower rates because they are generally healthier and have a longer life expectancy.

Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction, and financial stability. These factors are crucial for young adults seeking reliable and cost-effective term life insurance.

Best Term Life Insurance for Young Adults in Oceanside
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$992
2Mutual of Omaha$1191
3Nationwide$1190
4Allstate$989
5Transamerica$988
6AAA$1288
7Prudential$1385
8State Farm$1685
9Haven$1484
10Bestow$1983

Best Cheap Term Life Insurance in Oceanside, CA

How was this MoneyGeek score calculated?

The best cheap term life insurance in Oceanside is offered by Protective for men and women. With a MoneyGeek score of 92, Protective's monthly premium is $15 for men and $12 for women.

Factors affecting life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a suitable coverage amount, and compare quotes from multiple insurers. Protective stands out due to its high customer satisfaction and affordability scores.

Best Cheap Term Life Insurance in Oceanside
Data filtered by:Results filtered by:
Sex:
Sex:M
1Protective$1592
2Allstate$1591
3Nationwide$1791
4Transamerica$1591
5Mutual of Omaha$1889
6AAA$2087
7Prudential$2085
8State Farm$2582
9Haven$2582

Average Cost of Term Life Insurance in Oceanside, CA

The average cost of term life insurance premiums in Oceanside is $21 for women and $27 for men. These figures are rounded to the nearest whole number for clarity. Several factors affect the cost of life insurance premiums. These include age, health status, lifestyle, occupation and the amount of coverage needed.

In Oceanside, the cost of life insurance might be different from the rest of California due to local health statistics, economic conditions and specific risk factors in the area. Understanding these factors can help you make informed decisions about your life insurance needs.

FAQ About Life Insurance in Oceanside, CA

What company has the best life insurance in Oceanside for men?
What is the monthly premium cost for the best life insurance for men in Oceanside?
What company has the best life insurance in Oceanside for women?
What is the monthly premium cost for the best life insurance for women in Oceanside?
Is there anything different about life insurance in Oceanside compared to the rest of California?
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About Mark Fitzpatrick


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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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