Best Life Insurance in Pasadena, CA (September 2024)

In Pasadena, California, the best life insurance provider for men and women is Protective. With a MoneyGeek score of 91, Protective offers a monthly premium of $34 for a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider various factors such as your age, health and financial goals. 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.

Protective offers the best life insurance in Pasadena for men and women, with a MoneyGeek score of 92 and a monthly premium of $34 for men, and a score of 91 and a monthly premium of $34 for women.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $34 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $41 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 at $34 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $42 per month for women

Protective stands out due to its high MoneyGeek scores and affordability. This combination makes it a reliable and cost-effective choice for the average individual seeking life insurance in Pasadena.

Protective provides the best term life insurance in Pasadena, with a MoneyGeek score of 92 for men and women. The monthly premium for men is $17, while for women, it's $18. This score reflects Protective's excellence in affordability, customer satisfaction and financial stability, making it an ideal choice for individuals seeking reliable term life insurance coverage.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $17 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $21 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $24 per month for women

Term life insurance offers coverage for a specific period, which can be vital for those with temporary financial obligations or who want to ensure their family's financial stability. For instance, a parent might purchase a 20-year term policy to cover the period until their children are financially independent.

For people in Pasadena looking for the best whole life insurance, Protective stands out with a top MoneyGeek score of 91 for men and women. This score indicates a strong performance across affordability, customer satisfaction, 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 91 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 91 out of 100 for women

Whole life insurance offers a guaranteed death benefit, fixed premiums and a cash value component, which can be appealing for those seeking a consistent and reliable insurance product. For example, someone might prefer whole life insurance to ensure lifelong coverage and to accumulate cash value that can be borrowed against if needed.

Protective stands out with the universal life insurance in Pasadena for men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to affordability, customer satisfaction and financial stability. For the average person, selecting Protective means choosing a provider that excels in key areas important for long-term insurance investment.

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 flexibility in premiums and death benefits, making it a suitable option for those seeking a customizable insurance plan. For instance, someone might choose this insurance over term life insurance for the potential of cash value accumulation, which can serve as a financial resource during their lifetime.

In Pasadena, Protective provides the best life insurance without a required medical exam for men and women, with a MoneyGeek score of 91. For the average person, this translates to a reliable choice backed by strong customer satisfaction and financial stability ratings.

Protective's high score indicates a seamless buying process and product diversity that can cater to various needs 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 does not require a medical examination for approval, which can be ideal for those who need coverage quickly or have health concerns that might disqualify them from traditional policies. For instance, an individual with a chronic illness might opt for this insurance to secure a policy without the stress of medical underwriting.

Protective emerges as the provider with the best term life insurance for seniors in Pasadena, with a MoneyGeek score of 91 for men and 90 for women. Men can expect a monthly premium of about $81, while women's premiums are approximately $86.

Age is a determining factor in insurance costs; premiums typically increase as policyholders age, reflecting the higher risk associated with older age groups. Protective's top score indicates a robust balance of affordability, customer satisfaction, and financial stability, which is vital for seniors prioritizing security and value in their life insurance choices.

Mutual of Omaha offers the best term life insurance for smokers in Pasadena, with a MoneyGeek score of 90 for men and 89 for women. The monthly premium for men is $87, while for women, it's $103.

Smoking impacts life insurance premiums because insurers view smokers as high-risk clients due to the health complications associated with tobacco use. This risk is reflected in higher premiums. Mutual of Omaha's high MoneyGeek score indicates a strong balance of affordability, customer satisfaction and financial stability.

For the best term life insurance for young adults in Pasadena, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $11 for women and $10 for men. Age significantly impacts life insurance premiums, with younger adults typically benefiting from lower costs.

Protective achieved the highest MoneyGeek score due to its affordability, customer satisfaction and financial stability. Its competitive pricing and strong financial standing make it an excellent choice.

For those seeking the best cheap term life insurance in Pasadena, Protective stands out for men and women. With a MoneyGeek score of 92 and monthly premiums of $18 for women and $17 for men, Protective offers a balanced mix of affordability, customer satisfaction, and financial stability.

Various factors influence life insurance premiums, including age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, opt for a shorter term and choose a lower coverage amount. Protective's high MoneyGeek score reflects its strong performance in customer satisfaction and financial stability.

The average monthly premium for term life insurance in Pasadena is $31 for women and $32 for men. Several factors can affect the cost of life insurance premiums. These include age, health, lifestyle, and location. For instance, younger individuals or those in good health typically pay lower premiums. Lifestyle choices, such as smoking or engaging in high-risk activities, can increase costs.

In Pasadena, the cost of life insurance might be different from the rest of California due to local factors. These could include the cost of living, average income levels and regional health statistics. Understanding these variables can help consumers make more informed decisions about their life insurance needs.