Best Life Insurance in Oxnard, CA (September 2024)


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Updated: October 4, 2024

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The best life insurance company in Oxnard, California, for both men and women is Protective. For women, Protective has a MoneyGeek score of 91 and a monthly premium of $21. For men, Protective has a MoneyGeek score of 92 and a monthly premium of $22.

When deciding on life insurance, consider factors such as coverage needs, term length, and your health rating. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Oxnard, 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 InsuranceOxnard, CA
2024

Best Life Insurance Companies in Oxnard

Overall Best Life Insurance in Oxnard, CA

How was this MoneyGeek score calculated?

If you are looking for the best life insurance in Oxnard, Protective stands out for men and women with a MoneyGeek score of 92 and 91 out of 100, respectively, and a monthly premium of $22 for men and $21 for women.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $22 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for men

The top providers for women are:

  • 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's high MoneyGeek scores and affordable premiums make it the best choice for the average person looking to purchase life insurance in Oxnard. The company offers a strong balance of affordability, customer satisfaction and financial stability, ensuring reliable coverage for policyholders.

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MoneyGeek Top Pick
Protective

In Oxnard, Protective stands out as the premier choice for life insurance for men and women, with a MoneyGeek score of 92 and 91, respectively. With monthly premiums at approximately $21 for women and $22 for men, Protective offers competitive rates that cater to both genders equally.

Its exceptional customer satisfaction and affordability scores reflect its commitment to providing value and service to their clients.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Oxnard, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Oxnard, Protective emerges as the top choice for men and women, boasting a MoneyGeek score of 92 and a monthly premium of $11 for men and $12 for women. This company stands out for its combination of affordability, customer satisfaction and financial stability.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $11 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $13 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 is a policy where coverage is provided for a specific period. For example, someone might choose term life insurance over permanent insurance to secure a lower premium while covering potential financial obligations such as a mortgage or education costs during their working years.

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MoneyGeek Top Pick
Protective

SAME

In Oxnard, Protective stands out as the premier choice for term life insurance for men, boasting a MoneyGeek score of 92. For a monthly premium of $11, men can secure financial peace of mind through Protective's term life insurance offerings. This top-ranking reflects a balance between cost and quality, ensuring that policyholders receive excellent value for their investment in life insurance coverage. Here are the key advantages and limitations of choosing Protective for your term life insurance needs:

Pros:

  • High customer satisfaction
  • Superior affordability
  • Reliable financial stability

Cons:

  • Limited product options
  • Buying process could improve

Best Whole Life Insurance in Oxnard, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Oxnard for men and women, each with a MoneyGeek score of 92. This score indicates a robust offering that balances cost-effectiveness with customer satisfaction and financial stability.

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 is a permanent policy that not only provides a death benefit but also accumulates cash value over time. For example, someone might choose whole life insurance over term life insurance to ensure lifelong coverage and to potentially build savings that can be borrowed against if needed.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for the best whole life insurance in Oxnard for men and women, with a MoneyGeek score of 92 for each. This reflects a strong balance of affordability, customer satisfaction and financial stability, making it a reliable option for consumers seeking life insurance coverage.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid 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 Oxnard, CA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Oxnard for men and women. The MoneyGeek score for men and women is 91, reflecting a strong performance across multiple categories. Protective offers a combination of affordability, customer satisfaction, 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 allows policyholders to adjust their premiums and death benefits. It can accumulate cash value over time, which policyholders can borrow against. For example, someone might choose for the potential to grow their investment while maintaining life insurance coverage.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for universal life insurance in Oxnard, catering to men and women. With a MoneyGeek score of 91 for both, the company demonstrates a strong commitment to customer satisfaction and value. Protective ensures that clients receive quality service and financial security, making it a reliable option for life insurance seekers in the area.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

In Oxnard, Protective provides the best life insurance with no mandatory medical exam for men and women, boasting a MoneyGeek score of 91. This company excels in providing a product that balances cost with customer service and financial stability, making it an optimal choice for individuals seeking reliable 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 is a policy that grants coverage without the need for a medical check-up. This can be particularly appealing for those with health concerns or who require immediate coverage. For example, someone with a chronic illness might opt for this insurance over traditional policies to avoid potential denial or high premiums based on their health status.

mglogo
MoneyGeek Top Pick
Protective

In Oxnard, Protective provides the best no-medical-exam life insurance for men and women, with a MoneyGeek score of 91 for both. This top ranking reflects a commitment to customer satisfaction and financial stability, making it a reliable choice for insurance seekers.

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 Oxnard, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance for seniors, earning a MoneyGeek score of 91 for men and 90 for women, with monthly premiums of $52 and $55, respectively.

Age is a pivotal factor in determining life insurance premiums, as the risk to insurers typically increases with the policyholder's age. Protective's high MoneyGeek score reflects its balance of affordability, customer satisfaction, and financial stability, which are key considerations for seniors when selecting a reliable insurance provider.

Best Term Life Insurance for Seniors in Oxnard
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$52MG Score out of 10091
2CompanyMutual of OmahaPremium$58MG Score out of 10091
3CompanyNationwidePremium$49MG Score out of 10090
4CompanyAllstatePremium$47MG Score out of 10089
5CompanyTransamericaPremium$47MG Score out of 10088
6CompanyAAAPremium$65MG Score out of 10088
7CompanyPrudentialPremium$50MG Score out of 10087
8CompanyState FarmPremium$76MG Score out of 10086
9CompanyHavenPremium$102MG Score out of 10082

Best Term Life Insurance for Smokers in Oxnard, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for smokers in Oxnard, Mutual of Omaha stands out for men and women. With a MoneyGeek score of 91 for men and 89 for women, and monthly premiums of $56 and $65, respectively, this company offers competitive rates for smokers.

Smoking is a key factor in determining life insurance premiums due to the associated health risks. Insurers often charge higher rates for smokers to account for this increased risk. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability, and product diversity, making it an attractive option for smokers who want to ensure their life insurance needs are met without compromising on quality or affordability.

Best Term Life Insurance for Smokers in Oxnard
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$56MG Score out of 10090
2CompanyNationwidePremium$53MG Score out of 10089
3CompanyAAAPremium$58MG Score out of 10088
4CompanyPrudentialPremium$44MG Score out of 10088
5CompanyTransamericaPremium$51MG Score out of 10087
6CompanyProtectivePremium$90MG Score out of 10087
7CompanyHavenPremium$55MG Score out of 10086
8CompanyState FarmPremium$78MG Score out of 10084
9CompanyAllstatePremium$77MG Score out of 10084

Best Term Life Insurance for Young Adults in Oxnard, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults for young adults in Oxnard, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $7 for men and women.

Age plays a significant role in determining the cost of life insurance premiums. Younger adults typically enjoy lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.

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

Best Cheap Term Life Insurance in Oxnard, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Oxnard, Protective stands out for men and women, with a MoneyGeek score of 92 and a monthly premium of $11.

Various factors affect life insurance premiums, including age, health rating, and coverage amount. To secure the lowest premiums, individuals should maintain good health and choose appropriate coverage levels. Protective's high scores in affordability, customer satisfaction, and financial stability make it a top choice.

Best Cheap Term Life Insurance in Oxnard
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$11MG Score out of 10092
2CompanyAllstatePremium$11MG Score out of 10091
3CompanyNationwidePremium$13MG Score out of 10091
4CompanyTransamericaPremium$11MG Score out of 10091
5CompanyMutual of OmahaPremium$13MG Score out of 10089
6CompanyAAAPremium$15MG Score out of 10087
7CompanyPrudentialPremium$15MG Score out of 10085
8CompanyState FarmPremium$19MG Score out of 10082
9CompanyHavenPremium$18MG Score out of 10082

Average Cost of Term Life Insurance in Oxnard, CA

The average cost of term life insurance in Oxnard is $20 per month for women and $21 per month for men. These figures are rounded to the nearest whole number for clarity. Several factors affect life insurance premiums, including age, health, lifestyle, coverage amount, and term length.

In Oxnard, the cost of life insurance may be influenced by local health statistics, the cost of living, and regional risk factors. Understanding these factors can help consumers make informed decisions when purchasing life insurance.

FAQ About Life Insurance in Oxnard, CA

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

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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