Best Life Insurance in San Bernardino, CA (September 2024)


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Updated: October 4, 2024

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In San Bernardino, California, Protective is the best life insurance company for both men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective stands out as the top provider. The average monthly premium costs are $18 for women and $21 for men.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. While Protective is a great choice, your unique needs may mean a different company is best for you. Different factors, such as age, health and coverage needs, play a role in deciding the right life insurance policy.

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 San Bernardino, 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 InsuranceSan Bernardino,
2024

Best Life Insurance Companies in San Bernardino

Overall Best Life Insurance in San Bernardino, CA

How was this MoneyGeek score calculated?

In San Bernardino, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 out of 100 for men and 91 out of 100 for women, and monthly premiums of $21 and $18 respectively. Here are the top two companies for both men and women based on MoneyGeek scores:

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 $18 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $22 per month for women

Protective stands out as the best choice for the average individual looking to purchase life insurance in San Bernardino due to its high MoneyGeek scores and competitive monthly premiums. The company excels in customer satisfaction and affordability, making it a reliable and cost-effective option for life insurance.

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MoneyGeek Top Pick
Protective

In San Bernardino, Protective stands out as the premier choice for life insurance for both men and women. With a MoneyGeek score of 91 for women and 92 for men, it offers monthly premiums of $18 for women and $21 for men. Protective is recognized for its commitment to customer satisfaction and affordability, making it a smart choice for those seeking reliable coverage.

Pros:

  • High customer satisfaction
  • Notable affordability
  • Solid financial stability

Cons:

  • Limited product diversity
  • Buying process could improve

Best Term Life Insurance in San Bernardino, CA

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best term life insurance in San Bernardino for both men and women, with a MoneyGeek score of 92 for men and women, with monthly premiums of $11 and $10, respectively. This company's high scores reflect its commitment to affordability, customer satisfaction, and financial stability, making it an excellent choice for individuals seeking reliable term coverage.

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 $13 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $10 per month for women
  • Mutual of Omaha: MoneyGeek score of 87 out of 100 at $13 per month for women

Term life insurance provides a death benefit for a specified period, offering protection during critical years, such as while raising a family or paying off a mortgage. For example, a parent might choose term life insurance to ensure their child's education costs are covered in the event of their untimely passing.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance for men and women in San Bernardino, boasting a MoneyGeek score of 92. With a monthly premium of $11 for men and $10 for women, it offers a balance of affordability and quality service.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Reliable financial stability

Best Whole Life Insurance in San Bernardino, CA

How was this MoneyGeek score calculated?

For individuals seeking the best whole life insurance in San Bernardino Protective stands out as the top choice for both men and women, with a MoneyGeek score of 92 out of 100.

Top whole life companies for men in San Bernardino:

  • 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 San Bernardino:

  • 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 is a type of permanent life insurance that provides coverage for the insured's entire lifetime. While term life insurance only covers a certain period, whole life insurance includes an investment component that can grow over time.

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MoneyGeek Top Pick
Protective

In San Bernardino, Protective stands out as the best whole life insurance provider for both men and women, with a MoneyGeek score of 92. This company offers a blend of affordability and customer satisfaction that appeals to a broad customer base.

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 San Bernardino, CA

How was this MoneyGeek score calculated?

Protective is the best provider in San Bernardino for 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

In San Bernardino, Protective leads as the premier choice for universal life insurance, catering to both men and women with an impressive MoneyGeek score of 91. Their commitment to customer satisfaction and affordability places them at the forefront for those seeking reliable coverage options. However, it's important to consider all aspects of their service before making a decision.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in San Bernardino, CA

How was this MoneyGeek score calculated?

Protective stands out as the best life insurance without a medical exam provider in San Bernardino for both men and women, with a MoneyGeek score of 91.

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

Life insurance without needing a medical exam allows individuals to obtain coverage more quickly and with less hassle than traditional policies. For example, someone with a busy lifestyle or a fear of medical procedures might choose life insurance without a mandatory medical exam to avoid the time-consuming and potentially stressful process of a health examination.

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MoneyGeek Top Pick
Protective

When searching for the best no-medical-exam life insurance in San Bernardino, Protective stands out for both men and women, with a MoneyGeek score of 91. This score reflects their commitment to customer satisfaction and value.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in San Bernardino, CA

How was this MoneyGeek score calculated?

For seniors in San Bernardino seeking the best term life insurance for seniors, Protective emerges as the leading provider for both men and women, with a MoneyGeek score of 91 for men and 90 for women. The monthly premium for men is $51, while for women it is slightly lower at $45.

Age is a determining factor in the cost of life insurance premiums; as the risk of health issues increases with age, so does the premium. The high MoneyGeek score of Protective indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Seniors in San Bernardino
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$51MG Score out of 10091
2CompanyMutual of OmahaPremium$57MG Score out of 10091
3CompanyNationwidePremium$49MG 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$101MG Score out of 10082

Best Term Life Insurance for Smokers in San Bernardino, CA

How was this MoneyGeek score calculated?

In San Bernardino, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and an average monthly premium of $55. Women who smoke also do best with Mutual of Omaha, earning a score of 89 and a monthly cost of approximately $54.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha's top scores reflect its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.

Best Term Life Insurance for Smokers in San Bernardino
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$55MG Score out of 10090
2CompanyNationwidePremium$53MG Score out of 10089
3CompanyAAAPremium$57MG Score out of 10088
4CompanyPrudentialPremium$43MG Score out of 10088
5CompanyTransamericaPremium$51MG Score out of 10087
6CompanyProtectivePremium$90MG Score out of 10087
7CompanyHavenPremium$55MG Score out of 10086
8CompanyState FarmPremium$78MG Score out of 10084
9CompanyAllstatePremium$76MG Score out of 10084

Best Term Life Insurance for Young Adults in San Bernardino, CA

How was this MoneyGeek score calculated?

For young adults in San Bernardino, Protective is the winner. It earns a MoneyGeek score of 92 and offers average monthly premiums of $6 for women and $7 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.

Best Term Life Insurance for Young Adults in San Bernardino
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 San Bernardino, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in San Bernardino, Protective stands out for both men and women with a MoneyGeek score of 92 and a monthly premium of $10 for women and $11 for men.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, choose a shorter term length and compare multiple quotes. Protective's high MoneyGeek score is due to its strong customer satisfaction, financial stability and affordability.

Best Cheap Term Life Insurance in San Bernardino
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$15MG Score out of 10085
8CompanyState FarmPremium$19MG Score out of 10082
9CompanyHavenPremium$18MG Score out of 10082

Average Cost of Term Life Insurance in San Bernardino, CA

The average cost of term life insurance in San Bernardino is $16 per month for women and $20 per month for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, the term of the policy and the amount of coverage.

In San Bernardino, the cost of life insurance might be higher or lower compared to the rest of California due to various regional factors. Local health statistics, the cost of living, and specific regional risk factors can all impact insurance premiums. For instance, areas with higher health care costs or greater risk of natural disasters might see higher premiums.

Understanding these factors can help you make more informed decisions when purchasing life insurance. By considering both personal and regional influences, you can better navigate the complexities of life insurance premiums.

FAQ About Life Insurance in San Bernardino, CA

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

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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