Best Life Insurance in Salinas, CA (September 2024)


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Updated: October 11, 2024

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The best life insurance provider in Salinas, California, for both men and women is Protective. The MoneyGeek score for men is 92, with an average monthly premium of $21. For women, the MoneyGeek score is 91, with a monthly premium of $20. These scores are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider different factors such as affordability, customer satisfaction and financial stability. While Protective ranks highest in our analysis, 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 Salinas, California.

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

1,488Quotes Analyzed
 
14Companies Compared
 
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MoneyGeek Logo IconBestLife InsuranceSalinas, CA
2024

Best Life Insurance Companies in Salinas

Overall Best Life Insurance in Salinas, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Salinas for both men and women, with a MoneyGeek score of 92 out of 100 for men at $21 average premium per month and 91 out of 100 for women at $20 average premium per month.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $21 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $20 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $25 per month for women

Protective stands out due to its high MoneyGeek scores and competitive premiums, making it a solid choice for those looking to purchase life insurance in Salinas. The company’s strong customer satisfaction and financial stability scores further enhance its appeal.

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MoneyGeek Top Pick
Protective

In Salinas, California, Protective stands out as the premier choice for life insurance for both men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers monthly premiums of $21 for men and $20 for women, reflecting a commitment to affordability and value. Customers can trust in Protective's high standards and financial reliability when choosing their life insurance provider.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Salinas, CA

How was this MoneyGeek score calculated?

In Salinas, Protective stands out with the best term life insurance for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $11. This company offers a balance of affordability, customer satisfaction and financial stability, making it an excellent choice for individuals seeking term life insurance. Protective's high score indicates a strong performance across various metrics, ensuring policyholders receive quality coverage without overpaying.

The top two term life insurance companies for men are:

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

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $11 per month for women
  • Mutual of Omaha MoneyGeek score of 87 out of 100 at $15 per month for women

Term life insurance is a policy where coverage is provided for a specific term length, paying out a benefit only if the insured passes away during that term. It's often chosen for its lower premiums compared to whole life insurance and can be a strategic choice for those needing coverage during critical financial years, such as while raising a family or paying off a mortgage.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider in Salinas for men and women, with a MoneyGeek score of 92 and an affordable average monthly premium of $11. This company is recognized for its commitment to customer satisfaction and financial stability, making it a reliable choice for life insurance needs.

Pros:

  • High satisfaction among customers
  • Superior affordability
  • Strong financial reliability

Cons:

  • Buying process could be smoother

Best Whole Life Insurance in Salinas, CA

How was this MoneyGeek score calculated?

For those seeking the best whole life insurance in Salinas, Protective stands out as the top choice for both men and women, with a MoneyGeek score of 92 out of 100. This score reflects Protective's commitment to affordability, customer satisfaction and financial stability.

Top whole life companies for men in Salinas:

  • 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 Salinas:

  • 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 a cash value component, which can be a financial safety net or an inheritance for beneficiaries. For instance, an individual may choose whole life insurance to ensure their family's long-term financial security, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

In Salinas, Protective stands out as the premier choice for whole life insurance for both men and women, with a MoneyGeek score of 92. The company's commitment to customer satisfaction and financial stability makes it a reliable option for those seeking life insurance coverage.

Pros:

  • High customer satisfaction
  • 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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Best Universal Life Insurance in Salinas, CA

How was this MoneyGeek score calculated?

In Salinas, Protective emerges as the provider with the best universal life insurance for both men and women, with a MoneyGeek score of 91 out of 100. This score indicates that Protective stands out in terms of affordability, customer satisfaction, the buying process, and financial stability.

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 is a flexible type of permanent life insurance that combines protection with savings. For example, someone might choose best universal life insurance over other types because it can offer a cash value that grows over time.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of universal life insurance in Salinas, offering top-notch services to both men and women. With a stellar MoneyGeek score of 91 for each gender, Protective stands out for its exceptional customer satisfaction and affordability.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

In Salinas, Protective stands out as 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 insurance allows individuals to secure coverage quickly without the need for a medical check-up. For example, someone with a busy schedule or a fear of medical procedures might prefer this insurance to avoid the traditional underwriting process.

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MoneyGeek Top Pick
Protective

For those seeking life insurance without needing a medical exam in Salinas, Protective emerges as the leading choice for both men and women, with a MoneyGeek score of 91. The company's commitment to customer satisfaction and affordability, coupled with a solid financial foundation, makes it a reliable option.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Stable financials

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Salinas, CA

How was this MoneyGeek score calculated?

For those in Salinas seeking the best term life insurance for seniors, Protective stands out for both men and women. With a MoneyGeek score of 91 and a monthly premium of $51 for men, and a score of 90 for the same premium for women, this company offers a balance of value and security.

Age is a key determinant in life insurance premiums, with costs typically increasing as individuals grow older. Protective earned the highest MoneyGeek score by excelling in affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Seniors in Salinas
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$51MG Score out of 10091
2CompanyMutual of OmahaPremium$57MG Score out of 10091
3CompanyNationwidePremium$48MG Score out of 10090
4CompanyAllstatePremium$46MG Score out of 10089
5CompanyTransamericaPremium$47MG Score out of 10088
6CompanyAAAPremium$64MG Score out of 10088
7CompanyPrudentialPremium$49MG Score out of 10087
8CompanyState FarmPremium$75MG Score out of 10086
9CompanyHavenPremium$100MG Score out of 10082

Best Term Life Insurance for Smokers in Salinas, CA

How was this MoneyGeek score calculated?

For people in Salinas seeking the best life insurance for smokers, Mutual of Omaha stands out with the highest MoneyGeek scores for both men and women. Men receive a score of 90 and an average monthly premium of $55, while women receive a score of 89 with a monthly premium of $61.

Smoking significantly impacts life insurance premiums because it is associated with higher health risks, leading to increased costs for insurers. Mutual of Omaha's top scores reflect its commitment to offering competitive rates and robust services, making it a strong choice for smokers prioritizing both cost and quality.

Best Term Life Insurance for Smokers in Salinas
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$55MG Score out of 10090
2CompanyNationwidePremium$52MG Score out of 10089
3CompanyAAAPremium$57MG Score out of 10088
4CompanyPrudentialPremium$43MG Score out of 10088
5CompanyTransamericaPremium$51MG Score out of 10087
6CompanyProtectivePremium$89MG Score out of 10087
7CompanyHavenPremium$54MG Score out of 10086
8CompanyState FarmPremium$77MG Score out of 10084
9CompanyAllstatePremium$75MG Score out of 10084

Best Term Life Insurance for Young Adults in Salinas, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Salinas, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $7 for both men and women. Age plays a crucial role in determining life insurance premiums. Younger adults generally benefit from lower costs due to their lower risk profiles.

Protective's high MoneyGeek score is attributed to its balance of affordability, customer satisfaction, and financial stability. These factors make it a compelling choice for young adults seeking the best term life insurance in Salinas.

Best Term Life Insurance for Young Adults in Salinas
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$7MG Score out of 10092
2CompanyMutual of OmahaPremium$8MG Score out of 10091
3CompanyNationwidePremium$8MG Score out of 10090
4CompanyAllstatePremium$7MG Score out of 10089
5CompanyTransamericaPremium$7MG Score out of 10088
6CompanyAAAPremium$9MG Score out of 10088
7CompanyPrudentialPremium$10MG Score out of 10085
8CompanyState FarmPremium$12MG Score out of 10085
9CompanyHavenPremium$10MG Score out of 10084
10CompanyBestowPremium$14MG Score out of 10083

Best Cheap Term Life Insurance in Salinas, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Salinas, Protective tops the list for men and women with a MoneyGeek score of 92 and an average monthly premium of $11 for both.

Protective scores high due to its easy buying process and affordability, while Protective excels in customer satisfaction and financial stability. Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

Best Cheap Term Life Insurance in Salinas
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$11MG Score out of 10092
2CompanyAllstatePremium$11MG Score out of 10091
3CompanyNationwidePremium$12MG Score out of 10091
4CompanyTransamericaPremium$11MG Score out of 10091
5CompanyMutual of OmahaPremium$13MG Score out of 10089
6CompanyAAAPremium$15MG Score out of 10087
7CompanyPrudentialPremium$14MG Score out of 10085
8CompanyState FarmPremium$19MG Score out of 10082
9CompanyHavenPremium$18MG Score out of 10082

Average Cost of Term Life Insurance in Salinas, CA

The average monthly premium for term life insurance in Salinas, 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 Salinas might be higher or lower compared to other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Salinas 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 Salinas, CA

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

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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