Best Life Insurance in Palmdale, CA (September 2024)


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Updated: October 4, 2024

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In Palmdale, California, Protective stands out as the best life insurance provider for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers robust coverage options. The monthly premiums are $28 for men and $21 for women.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. It's important to consider your unique needs when deciding on life insurance. Different factors like age, health and coverage amount can influence which 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 Palmdale, 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 InsurancePalmdale, CA
2024

Best Life Insurance Companies in Palmdale

Overall Best Life Insurance in Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $28 for men and $21 for women.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $34 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 scores and affordable premiums make it the best choice for the average individual looking to purchase life insurance in Palmdale.

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MoneyGeek Top Pick
Protective

In Palmdale, Protective stands out as the premier choice for life insurance for men and women. With a MoneyGeek score of 91, Protective offers monthly premiums at approximately $28 for men and $21 for women. Customers can trust in Protective's commitment to satisfaction and financial stability, ensuring peace of mind with their life insurance selection.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, Protective stands out as the provider of the best term life insurance for men and women, with a MoneyGeek score of 92 and monthly premiums of $14 for men and $12 for women. This high score indicates that Protective offers a superior balance of affordability, customer satisfaction and financial stability.

The top providers 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

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 $15 per month for women

Term life insurance is a policy that provides coverage at a fixed rate of payments for a limited period, known as the term. For example, individuals might opt for term life insurance during their child-rearing years to ensure financial security for their children should the unexpected occur.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for women and men seeking term life insurance in Palmdale, with a MoneyGeek score of 92 for both. With a monthly premium cost of $12 for women and $14 for men, it offers a blend of value and quality that is unmatched in the region. Customers can expect a reliable service that aligns with their financial and coverage needs.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Palmdale, CA

How was this MoneyGeek score calculated?

When searching for the best whole life insurance in Palmdale, Protective stands out with a MoneyGeek score of 92 for men and women. This score suggests that Protective offers a robust package for individuals looking to secure their financial future with a whole life insurance policy. The company's high scores indicate strong 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 known as the policy's cash value. For example, someone might opt for whole life insurance over term life insurance for the benefit of guaranteed cash value growth, which can serve as a financial resource in the future.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for whole life insurance in Palmdale, serving men and women with an impressive MoneyGeek score of 92. This score reflects the company's commitment to providing superior customer satisfaction and value.

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 Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, Protective stands out as the provider of the best universal life insurance for men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to affordability, customer satisfaction and financial stability. People in Palmdale considering universal life insurance can benefit from Protective's high product diversity score, indicating a range of options to suit different needs and goals.

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 a flexible premium and death benefit, making it a versatile choice for those who value adaptability in their financial planning. For instance, someone might choose universal life insurance over term life for the potential to accumulate cash value that can be accessed during their lifetime. Learn more about the .

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MoneyGeek Top Pick
Protective

Protective provides the best universal life insurance in Palmdale for men and women. With a MoneyGeek score of 91 for each, Protective offers a balance of quality and value that is hard to beat.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Less favorable buying process

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

How was this MoneyGeek score calculated?

Protective is the premier provider of the best life insurance with no mandatory medical exam in Palmdale, with a MoneyGeek score of 91 for men and women. This score suggests that Protective offers a combination of affordability, customer satisfaction, a smooth buying process, 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

No-medical-exam life insurance policies offer coverage without the need for a medical examination, which can be an ideal option for those who want to avoid the hassle or have health concerns that might make traditional insurance inaccessible. For instance, an individual with a chronic condition may choose this insurance to secure coverage quickly and without the potential for being denied based on their health status.

mglogo
MoneyGeek Top Pick
Protective

When it comes to securing the best no-medical-exam life insurance in Palmdale, Protective stands out for men and women. It has an overall MoneyGeek score of 91.

Pros:

  • High customer satisfaction
  • Strong affordability
  • 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 Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, Protective stands out with the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. Men can expect to pay a monthly premium of $66, while women are quoted at $54.

Age is a pivotal factor in determining life insurance premiums, with costs rising as policyholders age. Protective's high MoneyGeek score reflects its commitment to affordability, customer satisfaction, financial stability, and product diversity. These attributes are key for seniors who prioritize value and reliability in their life insurance policy.

Best Term Life Insurance for Seniors in Palmdale
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$66MG Score out of 10091
2CompanyMutual of OmahaPremium$74MG Score out of 10091
3CompanyNationwidePremium$63MG Score out of 10090
4CompanyAllstatePremium$60MG Score out of 10089
5CompanyTransamericaPremium$61MG Score out of 10088
6CompanyAAAPremium$83MG Score out of 10088
7CompanyPrudentialPremium$64MG Score out of 10087
8CompanyState FarmPremium$97MG Score out of 10086
9CompanyHavenPremium$131MG Score out of 10082

Best Term Life Insurance for Smokers in Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, the best term life insurance for smokers is from Mutual of Omaha. It has highest MoneyGeek scores for men and women. For men, it has a score of 91 with a monthly premium of $71, while for women, it scores 89 with a $64 premium.

Smokers face higher life insurance costs due to the associated health risks. Mutual of Omaha's top scores reflect its balance of affordability, customer satisfaction, and financial stability.

Best Term Life Insurance for Smokers in Palmdale
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$71MG Score out of 10090
2CompanyNationwidePremium$68MG Score out of 10089
3CompanyAAAPremium$74MG Score out of 10088
4CompanyPrudentialPremium$56MG Score out of 10088
5CompanyTransamericaPremium$66MG Score out of 10087
6CompanyProtectivePremium$116MG Score out of 10087
7CompanyHavenPremium$71MG 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 Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, the best term life insurance for young adults is offered by Protective with a MoneyGeek score of 92 and a monthly premium of $7 for women and $8 for men. Age plays a significant role in determining life insurance premiums. Younger individuals generally have lower health risks, resulting in lower premiums.

Protective's high MoneyGeek score is attributed to its excellent affordability, customer satisfaction, and financial stability. For young adults in Palmdale, choosing Protective means benefiting from a well-rounded policy that balances cost and quality.

Best Term Life Insurance for Young Adults in Palmdale
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$12MG Score out of 10088
7CompanyPrudentialPremium$13MG 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 Palmdale, CA

How was this MoneyGeek score calculated?

In Palmdale, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 and a monthly premium of $12 for women and $14 for men. Protective's high score is due to its affordability, customer satisfaction, and financial stability.

Factors influencing life insurance premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, choose a shorter term and opt for a lower coverage amount.

Best Cheap Term Life Insurance in Palmdale
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$24MG Score out of 10082

Average Cost of Term Life Insurance in Palmdale, CA

The average monthly premium for term life insurance in Palmdale, California, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.

The cost of life insurance in Palmdale might be different from other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Palmdale has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.

FAQ About Life Insurance in Palmdale, CA

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

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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