Best Life Insurance in Riverside, CA (September 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: October 8, 2024

Advertising & Editorial Disclosure

Protective is the best life insurance provider in Riverside, California for men and women. The MoneyGeek score for men is 92, with a monthly premium cost of $25. For women, the MoneyGeek score is 91, with a monthly premium cost of $23. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding on what type of life insurance to buy. 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 Riverside, California.

recency icon

Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceRiverside, CA
2024

Best Life Insurance Companies in Riverside

Overall Best Life Insurance in Riverside, CA

How was this MoneyGeek score calculated?

The best life insurance in Riverside is from Protective, which 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 $23 monthly 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 $31 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 91 out of 100 at $23 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $28 per month for women

Protective's high scores and affordable premiums make it the best option for the average individual looking to purchase life insurance in Riverside. Its strong performance across affordability, customer satisfaction, and financial stability ensures that you get reliable coverage without breaking the bank.

mglogo
MoneyGeek Top Pick
Protective

Protective is the premier life insurance provider in Riverside, offering exceptional value to men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective combines affordability with high customer satisfaction. Men can expect a monthly premium of around $25, while women are quoted approximately $23.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Riverside, CA

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best term life insurance in Riverside, with a MoneyGeek score of 92 for men and 92 for women, and a monthly premium of $13 for both. This ranking indicates that Protective offers a balance of affordability, customer satisfaction, and financial stability.

The top providers for women 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 $16 per month for men

The top providers for women are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $17 per month for women

Term life insurance is a policy where a beneficiary is paid a specified amount if the insured person dies within a set term. For example, a parent might purchase term life insurance to ensure their child's education is funded in the event of their untimely death.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for term life insurance in Riverside for women and men, with a MoneyGeek score of 92 for both. Women and men seeking a policy from Protective can expect a monthly premium of approximately $13 for both.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Riverside, CA

How was this MoneyGeek score calculated?

The best whole life insurance provider in Riverside for men and women is Protective, with a MoneyGeek score of 92. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a solid choice for anyone in the market for whole life insurance.

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 opt for whole life insurance to ensure they leave a financial legacy for their heirs, regardless of when they pass away.

mglogo
MoneyGeek Top Pick
Protective

Protective emerges as the premier choice for whole life insurance in Riverside, offering robust coverage to men and women. With an impressive MoneyGeek score of 92 for both, Protective stands out for its commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety desired

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.

widget-location-pin
Insurance Rates

Best Universal Life Insurance in Riverside, CA

How was this MoneyGeek score calculated?

Protective stands out in Riverside, offering the best universal life insurance with a MoneyGeek score of 91 for men and women. This score reflects Protective's commitment to affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking a reliable insurance product.

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. For example, someone who experiences a significant life change, like a new baby or a mortgage, might choose universal life insurance for its adaptability.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the best provider of universal life insurance in Riverside for men and women, with a MoneyGeek score of 91 for each. The company's exceptional performance across multiple categories underscores its reliability and value to customers seeking life insurance coverage.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

In Riverside, Protective provides the best life insurance with no mandatory medical exam for men and women, with a MoneyGeek score of 91 out of 100. The company's high score indicates a strong combination of affordability, customer satisfaction, buying process, financial stability and product diversity.

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 individuals to obtain coverage without undergoing a health examination, which can be ideal for those with health concerns or a need for quick coverage. For example, someone with a chronic illness might choose this insurance to avoid the potential for higher premiums or denial of coverage associated with traditional policies.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the top choice for no-medical-exam life insurance in Riverside, catering to men and women. With a MoneyGeek score of 91 for each, Protective offers a balance of value and reliability. Consumers can confidently choose Protective, knowing it ranks highest in overall satisfaction.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Less diverse product options
  • Buying process could improve

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

Incognito iconYour information is anonymous and secure
Income icon
Saving icon
debt icon

Best Term Life Insurance for Seniors in Riverside, CA

How was this MoneyGeek score calculated?

Protective stands out with the best term life insurance for seniors in Riverside, scoring a MoneyGeek score of 91 for men with a monthly premium of $61, and a score of 90 for women with a monthly premium of $58.

Age is a pivotal factor in determining life insurance premiums, as older individuals often face higher rates due to increased health risks. Protective's leading scores reflect its strong performance across various metrics, including affordability, customer satisfaction, and financial stability.

Best Term Life Insurance for Seniors in Riverside
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$61MG Score out of 10091
2CompanyMutual of OmahaPremium$68MG Score out of 10091
3CompanyNationwidePremium$58MG Score out of 10090
4CompanyAllstatePremium$55MG Score out of 10089
5CompanyTransamericaPremium$56MG Score out of 10088
6CompanyAAAPremium$76MG Score out of 10088
7CompanyPrudentialPremium$59MG Score out of 10087
8CompanyState FarmPremium$89MG Score out of 10086
9CompanyHavenPremium$120MG Score out of 10082

Best Term Life Insurance for Smokers in Riverside, CA

How was this MoneyGeek score calculated?

In Riverside, the best term life insurance for smokers is from Mutual of Omaha, with the highest MoneyGeek scores for men and women. For men, it scored 90 with a monthly premium of $66, while for women, it scored 89 with a $70 premium.

Smoking is a key factor in determining life insurance premiums due to the associated health risks. Insurers like Mutual of Omaha assess these risks and their potential costs when setting premiums. A high MoneyGeek score indicates a balance of affordability, customer satisfaction, and financial stability.

Best Term Life Insurance for Smokers in Riverside
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$66MG Score out of 10090
2CompanyNationwidePremium$63MG Score out of 10089
3CompanyAAAPremium$68MG Score out of 10088
4CompanyPrudentialPremium$52MG Score out of 10088
5CompanyTransamericaPremium$61MG Score out of 10087
6CompanyProtectivePremium$106MG Score out of 10087
7CompanyHavenPremium$65MG Score out of 10086
8CompanyState FarmPremium$92MG Score out of 10084
9CompanyAllstatePremium$90MG Score out of 10084

Best Term Life Insurance for Young Adults in Riverside, CA

How was this MoneyGeek score calculated?

The best term life insurance for young adults in Riverside is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $8. Age plays a crucial role in determining life insurance premiums. Younger adults generally benefit from lower rates due to their lower risk of health issues.

Protective stands out with its high MoneyGeek score, reflecting its affordability, customer satisfaction, and financial stability. For young adults in Riverside, choosing Protective means getting a well-rounded policy that balances cost and quality effectively.

Best Term Life Insurance for Young Adults in Riverside
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$9MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$11MG Score out of 10088
7CompanyPrudentialPremium$12MG 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 Riverside, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Riverside, Protective stands out for men and women with a MoneyGeek score of 92 and a monthly premium of $13.

Several factors impact the cost of premiums, including age, health, coverage amount, and term length. To secure the lowest premiums, maintain good health, choose an appropriate coverage amount, and opt for a shorter term length. Protective's high score is attributed to its affordability, customer satisfaction, and financial stability.

Best Cheap Term Life Insurance in Riverside
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10091
4CompanyTransamericaPremium$13MG Score out of 10091
5CompanyMutual of OmahaPremium$16MG Score out of 10089
6CompanyAAAPremium$17MG Score out of 10087
7CompanyPrudentialPremium$17MG Score out of 10085
8CompanyState FarmPremium$22MG Score out of 10082
9CompanyHavenPremium$22MG Score out of 10082

Average Cost of Term Life Insurance in Riverside, CA

In Riverside, the average monthly cost of term life insurance is $21 for women and $24 for men. These figures are rounded to the nearest whole number for clarity. Several factors influence the cost of life insurance premiums, including age, health, lifestyle, occupation, policy type and coverage amount. Each of these elements can affect the risk profile of the insured individual, thereby impacting the premium costs.

The cost of life insurance in Riverside might be different from the rest of California due to various local factors. These could include regional health statistics, lifestyle trends and economic conditions. For instance, areas with higher rates of chronic illnesses or risky occupations may see higher premiums. Conversely, regions with healthier populations or lower living costs might benefit from lower premiums.

FAQ About Life Insurance in Riverside, CA

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

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.


sources