Best Life Insurance in Rialto, CA (September 2024)


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Updated: October 15, 2024

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For residents of Rialto, California, Protective stands out as the best life insurance provider for men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective offers top-rated coverage. The monthly premium is $20 for women and $24 for men, based on a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding on life insurance, as 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 Rialto, 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 InsuranceRialto, CA
2024

Best Life Insurance Companies in Rialto

Overall Best Life Insurance in Rialto, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Rialto 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 Rialto.

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MoneyGeek Top Pick
Protective

Protective stands out as the top life insurance provider in Rialto, offering exceptional value for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective ensures peace of mind at a monthly premium of $24 for men and $20 for women.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Stable financial foundation

Cons:

  • Buying process could improve

Best Term Life Insurance in Rialto, CA

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best term life insurance in Rialto, with a MoneyGeek score of 92 for men and women. The monthly premiums are approximately $12 for men and $11 for women.

Protective's high score reflects its exceptional balance of affordability, customer satisfaction and financial stability, making it an optimal choice for individuals seeking reliable term life insurance coverage.

The top providers for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 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 $11 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $14 per month for women

Term life insurance is a policy where coverage is provided for a specific term, such as 10, 20 or 30 years. It's a suitable option for those who need coverage to protect their family's financial future during their working years, such as covering a mortgage or funding a child's education, without the higher costs associated with permanent life insurance.

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MoneyGeek Top Pick
Protective

Protective stands out as the preferred option for term life insurance for women and men in Rialto, with a MoneyGeek score of 92 for both. Women and men can secure coverage at an approximate cost of $11 and $12 per month, respectively, making it both a high-scoring and cost-effective choice.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Reliable financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Rialto, CA

How was this MoneyGeek score calculated?

Protective emerges as the provider with the best whole life insurance in Rialto, with a MoneyGeek score of 92 for men and women. Protective's high scores reflect 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 provides lifelong coverage and includes an investment component known as cash value, which grows over time. For instance, someone might choose whole life insurance to ensure their family's financial stability while also accumulating savings they can access in the future.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of whole life insurance in Rialto for men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to excellence across key areas of customer service and financial products.

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 Rialto, CA

How was this MoneyGeek score calculated?

Protective offers the universal life insurance in Rialto, with a MoneyGeek score of 91 for men and women. The top two providers, based on MoneyGeek scores, are as follows:

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, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for this insurance over more rigid policies.

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MoneyGeek Top Pick
Protective

In Rialto, Protective stands out as the premier choice for universal life insurance for men and women, with a MoneyGeek score of 91 for each. Customers can expect a blend of excellence in satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety needed

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

How was this MoneyGeek score calculated?

Protective emerges as the top provider of the best life insurance without a required medical exam in Rialto, with a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable life insurance 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 allows people to obtain coverage quickly and without the need to undergo a health assessment. For example, someone with a busy lifestyle or a fear of medical procedures might opt for this type of insurance to secure their family's financial future with minimal inconvenience.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for no-medical-exam life insurance in Rialto, catering to men and women with a MoneyGeek score of 91. This accolade reflects the company's commitment to customer satisfaction and financial stability, ensuring policyholders receive quality service and peace of mind.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Product diversity could improve
  • Buying process needs enhancement

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Rialto, CA

How was this MoneyGeek score calculated?

For seniors in Rialto, Protective emerges as the top provider of the best term life insurance for seniors, scoring 91 for men with a monthly premium of $58, and 90 for women with a monthly premium of $51.

Age significantly influences insurance premiums, with advancing years translating to increased costs due to higher associated risks. Protective's leading MoneyGeek score reflects its strong performance across customer satisfaction, financial stability and product diversity. This score is pivotal for seniors who prioritize reliability and comprehensive coverage in their insurance selection.

Best Term Life Insurance for Seniors in Rialto
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$58MG Score out of 10091
2CompanyMutual of OmahaPremium$65MG Score out of 10091
3CompanyNationwidePremium$55MG Score out of 10090
4CompanyAllstatePremium$52MG Score out of 10089
5CompanyTransamericaPremium$53MG Score out of 10088
6CompanyAAAPremium$73MG Score out of 10088
7CompanyPrudentialPremium$56MG Score out of 10087
8CompanyState FarmPremium$85MG Score out of 10086
9CompanyHavenPremium$114MG Score out of 10082

Best Term Life Insurance for Smokers in Rialto, CA

How was this MoneyGeek score calculated?

In Rialto, for smokers seeking the best term life insurance, Mutual of Omaha stands out with the highest MoneyGeek score of 91 for men and 89 for women. Men pay a monthly premium of about $62, while women pay $61.

Smoking is a key factor in life insurance premiums due to the increased health risks it poses, often leading to higher costs for smokers. Mutual of Omaha's top scores reflect a strong balance between affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Smokers in Rialto
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$62MG Score out of 10090
2CompanyNationwidePremium$60MG Score out of 10089
3CompanyAAAPremium$64MG Score out of 10088
4CompanyPrudentialPremium$49MG Score out of 10088
5CompanyTransamericaPremium$57MG Score out of 10087
6CompanyProtectivePremium$101MG Score out of 10087
7CompanyHavenPremium$62MG Score out of 10086
8CompanyState FarmPremium$88MG Score out of 10084
9CompanyAllstatePremium$86MG Score out of 10084

Best Term Life Insurance for Young Adults in Rialto, CA

How was this MoneyGeek score calculated?

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

Age significantly impacts life insurance premiums, with younger individuals typically benefiting from lower costs. Protective's high score reflects its strong performance in affordability, customer satisfaction, and financial stability, making it a top choice for young adults.

Best Term Life Insurance for Young Adults in Rialto
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$7MG 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$13MG Score out of 10085
9CompanyHavenPremium$12MG Score out of 10084
10CompanyBestowPremium$16MG Score out of 10083

Best Cheap Term Life Insurance in Rialto, CA

How was this MoneyGeek score calculated?

For those looking for the best cheap term life insurance in Rialto, Protective stands out with a MoneyGeek score of 92. The monthly premium is $11 for women and $12 for men.

Various factors influence the cost of life insurance premiums, including age, health, term length and coverage amount. To get the lowest premiums, maintain good health, choose a shorter term length and opt for a lower coverage amount.

Protective's high MoneyGeek score is due to its affordability, customer satisfaction and financial stability. This makes it an excellent choice for anyone seeking the best cheap term life insurance in Rialto.

Best Cheap Term Life Insurance in Rialto
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyAllstatePremium$12MG Score out of 10091
3CompanyNationwidePremium$14MG Score out of 10091
4CompanyTransamericaPremium$12MG Score out of 10091
5CompanyMutual of OmahaPremium$15MG Score out of 10089
6CompanyAAAPremium$17MG Score out of 10087
7CompanyPrudentialPremium$16MG Score out of 10085
8CompanyState FarmPremium$21MG Score out of 10082
9CompanyHavenPremium$21MG Score out of 10082

Average Cost of Term Life Insurance in Rialto, CA

The average monthly cost of term life insurance in Rialto is $18 for women and $23 for men. These figures highlight the gender difference in premium costs in the area. Many factors influence the cost of life insurance premiums. Age, health, lifestyle, occupation, policy type, and coverage amount all play a role in determining the final premium.

Additionally, local factors can affect the cost of life insurance in Rialto compared to the rest of California. Local health statistics, economic conditions and specific regional risk factors can lead to variations in premium costs. Understanding these elements can help residents make informed decisions about their life insurance options.

FAQ About Life Insurance in Rialto, CA

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

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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