Best Life Insurance in Ontario, CA (September 2024)


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Updated: October 4, 2024

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Protective is the best life insurance provider in Ontario, California for men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective offers the highest-rated life insurance policies. The monthly premium is $22 for women and $25 for men, making it an affordable option for a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider factors such as coverage amount, term length, and your health status. These scores and premium costs are based on a 20-year term policy and $500,000 coverage, but 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 Ontario, 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 InsuranceOntario, CA
2024

Best Life Insurance Companies in Ontario

Overall Best Life Insurance in Ontario, CA

How was this MoneyGeek score calculated?

If you are looking for the best life insurance in Ontario, Protective stands out for men and women with a MoneyGeek score of 92 and a monthly premium of $25 for men, and a score of 91 with a $22 premium for women.

The top providers for men are:

  • 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

The top providers for women are:

  • Protective: MoneyGeek score of 91 out of 100 at $22 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $27 per month for women

Protective is the best choice for the average individual looking to purchase life insurance in Ontario due to its high MoneyGeek score, indicating strong affordability, customer satisfaction and financial stability.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading choice for life insurance in Ontario, California, offering robust customer satisfaction and affordability. With a MoneyGeek score of 92 for men and 91 for women, Protective provides policies at a monthly cost of $25 for men and $22 for women.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Ontario, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance in Ontario for men and women, with a MoneyGeek score of 92 for men and 92 for women. The monthly premium is $13 for men and $12 for women. Protective stands out for its balance of affordability, customer satisfaction and financial stability.

The top providers 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

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 90 out of 100 at $16 per month for women

Term life insurance provides coverage for a set period, offering a death benefit to beneficiaries if the insured passes away during the term. For instance, someone with young children might choose term life insurance to ensure their education and living expenses are covered should the unexpected happen.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for term life insurance in Ontario for women and men, with a MoneyGeek score of 92 for both. With a monthly premium of $12 for women and $13 for men, it offers a balance of value and reliability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could be improved

Best Whole Life Insurance in Ontario, CA

How was this MoneyGeek score calculated?

When searching for the best whole life insurance in Ontario, Protective stands out for men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a top choice for individuals seeking a reliable insurance provider. The average person looking for whole life insurance would find Protective's consistent performance across various metrics to be a significant advantage.

The top providers for men are:

  • Protective: MoneyGeek score of 92 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 92 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

Whole life insurance is a permanent insurance policy that remains in effect for the insured's lifetime and includes a savings component, which can accumulate cash value. For instance, someone might choose whole life insurance to ensure their premiums remain the same over time, while also building cash value that could be borrowed against in the future.

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MoneyGeek Top Pick
Protective

Protective emerges as the top choice for whole life insurance in Ontario, securing the highest MoneyGeek scores for both men and women. With an overall score of 92 for each group, Protective demonstrates a strong balance of customer satisfaction, affordability and financial stability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong 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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Insurance Rates

Best Universal Life Insurance in Ontario, CA

How was this MoneyGeek score calculated?

The best universal life insurance in Ontario, Protective stands out with a MoneyGeek score of 91 out of 100 for men and women. This score signifies that Protective is the top choice for the average individual seeking a robust universal life insurance policy. The company's high rating is indicative of its customer satisfaction, affordability, and financial stability.

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 is a flexible policy that combines life insurance with an investment savings element. For example, an individual might opt for universal life insurance over other types because it can provide a permanent insurance cover while potentially growing cash value over time.

mglogo
MoneyGeek Top Pick
Protective

For those seeking the best universal life insurance in Ontario, Protective emerges as the top choice for both men and women, boasting a MoneyGeek score of 91. This score reflects the company's strong performance across several key metrics, indicating a reliable and customer-focused insurance provider.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could be better
  • Product options are limited

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

How was this MoneyGeek score calculated?

Protective the best life insurance with no mandatory medical exam in Ontario for men and women, with a MoneyGeek score of 91. This score reflects a combination of affordability, customer satisfaction and financial stability, making Protective an optimal choice for people in need of reliable and accessible life insurance coverage without the hassle of 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 provides coverage without the need for a medical check-up, which can be a significant advantage for those with health concerns or who require immediate coverage. For example, an individual with a chronic condition might opt for this insurance to avoid the potential of being denied coverage or facing high premiums.

mglogo
MoneyGeek Top Pick
Protective

Protective emerges as the premier choice for no-medical-exam life insurance in Ontario, earning the highest MoneyGeek score of 91 for men and women. This distinction underscores Protective's commitment to providing quality insurance solutions that cater to the needs of diverse clients.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process improvements needed

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Ontario, CA

How was this MoneyGeek score calculated?

In Ontario, Protective stands out as the provider of the best term life insurance for seniors, earning a MoneyGeek score of 91 for men and 90 for women. The monthly premium for men is approximately $60, and for women, it's about $56.

Age is a determining factor in life insurance premiums; as individuals enter their senior years, the risk to insurers increases, leading to higher costs. Protective's leading scores reflect its commitment to customer satisfaction, affordability, and financial stability, essential qualities for seniors seeking dependable term life insurance.

Best Term Life Insurance for Seniors in Ontario
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$60MG Score out of 10091
2CompanyMutual of OmahaPremium$67MG Score out of 10091
3CompanyNationwidePremium$56MG Score out of 10090
4CompanyAllstatePremium$54MG Score out of 10089
5CompanyTransamericaPremium$55MG Score out of 10088
6CompanyAAAPremium$75MG Score out of 10088
7CompanyPrudentialPremium$57MG Score out of 10087
8CompanyState FarmPremium$88MG Score out of 10086
9CompanyHavenPremium$118MG Score out of 10082

Best Term Life Insurance for Smokers in Ontario, CA

How was this MoneyGeek score calculated?

In Ontario, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 91 and an average monthly premium of $40. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $30.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.

Best Term Life Insurance for Smokers in Ontario
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$64MG Score out of 10090
2CompanyNationwidePremium$61MG Score out of 10089
3CompanyAAAPremium$67MG Score out of 10088
4CompanyPrudentialPremium$50MG Score out of 10088
5CompanyTransamericaPremium$59MG Score out of 10087
6CompanyProtectivePremium$104MG Score out of 10087
7CompanyHavenPremium$64MG Score out of 10086
8CompanyState FarmPremium$90MG Score out of 10084
9CompanyAllstatePremium$89MG Score out of 10084

Best Term Life Insurance for Young Adults in Ontario, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Ontario, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $68 for men and $67 for women.

Age plays a crucial role in determining life insurance premiums. Younger adults generally benefit from lower costs due to their lower risk profile. Protective achieves the highest MoneyGeek score by excelling in customer satisfaction, affordability and financial stability.

Best Term Life Insurance for Young Adults in Ontario
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$9MG Score out of 10091
3CompanyNationwidePremium$9MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$10MG Score out of 10088
7CompanyPrudentialPremium$11MG Score out of 10085
8CompanyState FarmPremium$14MG Score out of 10085
9CompanyHavenPremium$12MG Score out of 10084
10CompanyBestowPremium$17MG Score out of 10083

Best Cheap Term Life Insurance in Ontario, CA

How was this MoneyGeek score calculated?

If you're looking for the best cheap term life insurance in Ontario, California, Protective stands out for men and women. Protective has a MoneyGeek score of 92, with a monthly premium of $13 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 shorter term length and shop around for quotes. Protective's high score is due to its affordability, customer satisfaction, financial stability and product diversity.

Best Cheap Term Life Insurance in Ontario
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$14MG Score out of 10091
4CompanyTransamericaPremium$13MG Score out of 10091
5CompanyMutual of OmahaPremium$15MG Score out of 10089
6CompanyAAAPremium$17MG Score out of 10087
7CompanyPrudentialPremium$17MG Score out of 10085
8CompanyState FarmPremium$22MG Score out of 10082
9CompanyHavenPremium$21MG Score out of 10082

Average Cost of Term Life Insurance in Ontario, CA

The average monthly premium for term life insurance in Ontario is $20 for women and $24 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, the amount of coverage and the type of policy chosen. Insurers assess these factors to determine the risk level and set the premium accordingly.

Life insurance costs in Ontario might differ from those in California for various reasons. Differences in healthcare costs, life expectancy, population density, and the regulatory environment can all impact premium rates. Understanding these factors can help consumers make more informed decisions about their life insurance options.

FAQ About Life Insurance in Ontario, CA

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

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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