Best Life Insurance in Sacramento, CA (September 2024)


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Updated: October 15, 2024

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Protective is the best life insurance company in Sacramento, California, for both men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers an average monthly premium of $28 for a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding on life insurance, such as individual health and financial needs. These scores and premium costs are based on a 20-year term policy and $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 Sacramento, 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 InsuranceSacramento, CA
2024

Best Life Insurance Companies in Sacramento

Overall Best Life Insurance in Sacramento, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Sacramento for both men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $28 for women.

Top providers for men:

  • 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

Top providers for women:

  • 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 Sacramento.

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MoneyGeek Top Pick
Protective

In Sacramento, Protective stands out as the best life insurance provider for both men and women, with a MoneyGeek score of 92 for both genders. The monthly premium is an affordable $28, offering peace of mind without financial strain. Here's a quick look at what makes Protective a top choice:

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Sacramento, CA

How was this MoneyGeek score calculated?

Protective emerges as the best term life insurance provider in Sacramento for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $14 for men, and a score of 92 with a $15 premium for women. This company stands out for its balance of affordability, customer satisfaction and financial stability.

The top two term life insurance companies 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

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $20 per month for women

Term life insurance provides coverage for a specified period, offering peace of mind to those who want to ensure their family's financial security. For example, a parent might purchase term insurance to cover the years until their children are financially independent.

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MoneyGeek Top Pick
Protective

Protective stands out as the top provider of term life insurance for both men and women in Sacramento, with a MoneyGeek score of 92. With a monthly premium of $14 for men and $15 for women, it offers a blend of value and reliability.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Sacramento, CA

How was this MoneyGeek score calculated?

The Protective emerges as the top provider of the best whole life insurance in Sacramento for both men and women, with a MoneyGeek score of 92 for each. This score indicates that Protective offers a dependable option for those seeking financial security through life insurance.

Top whole life companies for men in Sacramento:

  • Protective: MoneyGeek score of 92 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 for men

Top whole life companies for women in Sacramento:

  • 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 a fixed premium and a guaranteed death benefit, making it a reliable choice for long-term financial planning. For instance, someone looking to secure a stable financial future for their family, regardless of market conditions, might opt for whole life insurance over term policies.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for the best whole life insurance in Sacramento, catering to both men and women. With a MoneyGeek score of 92 for both genders, Protective demonstrates a strong 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.

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Best Universal Life Insurance in Sacramento, CA

How was this MoneyGeek score calculated?

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

Best universal life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best for women's universal life insurance:

  • 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 universal life insurance over more rigid policies.

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MoneyGeek Top Pick
Protective

In Sacramento, Protective emerges as the leading provider of universal life insurance for both men and women, with a MoneyGeek score of 91. This high score reflects the company's commitment to meeting the needs of its clients with quality service and diverse product offerings.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

In Sacramento, Protective is the best life insurance without a medical exam provider for both men and women, with a MoneyGeek score of 91 out of 100. This score reflects the company's strong performance across various metrics, including affordability, customer satisfaction, and financial stability.

Best no-medical-exam life insurance for men:

  • Protective: MoneyGeek score of 91 out of 100 for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for men

Best life insurance for women that does not require a medical exam:

  • Protective: MoneyGeek score of 91 out of 100 for women
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 for women

This type of life insurance allows individuals to obtain coverage without undergoing a physical examination. For example, someone with a busy schedule or a dislike of medical appointments might choose this insurance over traditional policies for its convenience and speed in obtaining coverage.

mglogo
MoneyGeek Top Pick
Protective

In Sacramento, Protective stands out as the premier choice for life insurance without a required medical exam, for both men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to customer satisfaction and financial stability, ensuring clients receive quality service and dependable coverage.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve
  • More product variety needed

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Sacramento, CA

How was this MoneyGeek score calculated?

Protective stands out as the best term life insurance for seniors in Sacramento, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premium for men is approximately $66, while for women, it's about $72.

Age influences life insurance premiums, as the risk of health issues and mortality increases with age. This can lead to higher premiums for older policyholders. Protective has earned the highest MoneyGeek score, indicating that it excels in customer satisfaction, affordability, financial stability, and product diversity, contributing to its recognition as the best term life insurance for seniors in the region.

Best Term Life Insurance for Seniors in Sacramento
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 Sacramento, CA

How was this MoneyGeek score calculated?

For smokers in Sacramento seeking term life insurance, Mutual of Omaha stands out for both men and women, with a MoneyGeeks score of 91 and an average monthly premium of $71 for men, and a score of 89 with a premium of $85 for women. Smoking is a key factor in life insurance as it typically leads to higher premiums, reflecting the increased health risks associated with the habit.

Mutual of Omaha has strong performance across affordability, customer satisfaction and financial stability metrics, making it the best term life insurance for smokers.

Best Term Life Insurance for Smokers in Sacramento
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 Sacramento, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Sacramento, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $9 for women and $8 for men. Age plays a significant role in determining life insurance premiums.

Younger adults typically benefit from lower premiums due to their lower risk profiles. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in Sacramento
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 Sacramento, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance. in Sacramento, Protective stands out for both men and women. With a MoneyGeek score of 92 and average monthly premiums of $14 for men and $15 for women, Protective offers a compelling option. Factors influencing life insurance premiums include age, health, coverage amount, and term length. To secure the lowest premiums, maintain excellent health, choose a suitable coverage amount, and opt for a longer term length.

Best Cheap Term Life Insurance in Sacramento
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 Sacramento, CA

The average cost of term life insurance premiums in Sacramento is $26 per month for both men and women.

Several factors impact the cost of life insurance premiums. These include age, health, lifestyle choices and occupation. For example, younger individuals or those in good health often pay lower premiums. Conversely, risky occupations or unhealthy habits can drive costs up.

In Sacramento, the cost of life insurance might differ from other parts of California due to various reasons. Living costs in Sacramento can influence premium rates. Additionally, regional health statistics and risk factors play a role. For instance, areas with higher healthcare costs or greater health risks might see higher insurance premiums.

Understanding these factors can help you make informed decisions about your life insurance needs. By considering your personal circumstances and the regional context, you can better navigate the complexities of life insurance premiums.

FAQ About Life Insurance in Sacramento, CA

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

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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