Best Life Insurance in San Buenaventura (Ventura), CA (September 2024)

In San Buenaventura (Ventura), California, Protective is the best life insurance company for both men and women. The MoneyGeek score for women is 91, with a monthly premium of $28. For men, the MoneyGeek score is 92, with a monthly premium of $33.

Different factors should be considered when deciding on life insurance. 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.

In San Buenaventura (Ventura), the best life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 for men and 91 for women. The average premium is $33 for men and $28 for women.

Top Providers for Men

• Protective: MoneyGeek score of 92 out of 100 at $33 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $40 per month for men

Top Providers for Women

• Protective: MoneyGeek score of 91 out of 100 at $28 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $34 per month for women

Protective is the best choice for the average individual looking to purchase life insurance in San Buenaventura (Ventura) due to its high MoneyGeek scores for both men and women. The company offers competitive premiums and excellent customer satisfaction, making it a reliable option for securing your financial future.

he Protective stands out as the best term life insurance provider in San Buenaventura (Ventura) for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $17 and $15, respectively. This company offers a balance of affordability, customer satisfaction, and financial stability, making it an excellent choice for individuals seeking reliable term life insurance coverage.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $17 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $20 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 87 out of 100 at $20 per month for women

Term life insurance is a straightforward insurance product that provides coverage for a specific period. For example, a parent might choose term insurance to ensure financial stability for their children until they reach adulthood.

In San Buenaventura (Ventura), Protective stands out as the provider of the best whole life insurance for both men and women, with a MoneyGeek score of 92. The average individual looking for a reliable whole life insurance policy would benefit from Protective's exceptional financial stability and customer satisfaction ratings.

Top whole life companies for men in San Buenaventura (Ventura):

• 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 Buenaventura (Ventura):

• 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 permanent policy, guaranteeing a death benefit and including a savings component that accumulates cash value. For example, someone might opt for the best whole life insurance over term policies for its potential to provide a legacy for heirs or to serve as a tax-advantaged investment.

In San Buenaventura (Ventura), Protective stands out as the top provider of the best universal life insurance for both men and women, with a MoneyGeek score of 91. This score suggests that Protective offers a reliable combination of affordability, customer satisfaction, financial stability and product diversity.

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 flexibility in premiums and benefits, which can be attractive for those who want control over their policy's cash value growth and death benefit.

Protective is the best life insurance without a required medical exam provider in San Buenaventura (Ventura) for both men and women, with a MoneyGeek score of 91. This top ranking signifies that Protective stands out in terms of affordability, customer satisfaction, buying process, financial stability, and product diversity.

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 best life insurance without a mandatory medical exam to avoid the time-consuming and stressful process of a health examination.

Protective stands out as the top provider of the best term life insurance for seniors in San Buenaventura (Ventura), with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $78 for men and $71 for women, both rounded to the nearest whole number.

Age is a determining factor in the cost of life insurance premiums. As individuals age, the risk to insurers increases, often leading to higher premiums. Protective's high MoneyGeek scores reflect its balance of affordability, customer satisfaction and financial stability.

In San Buenaventura (Ventura), Mutual of Omaha stands out as the best term life insurance for smokers, scoring a MoneyGeek score of 90 for men and 89 for women, with an average monthly premium of $84 for both.

Smoking significantly influences life insurance premiums due to the associated health risks. Insurers often charge higher rates for smokers to offset the increased risk of health-related claims. Mutual of Omaha earns the highest MoneyGeek score, reflecting its balance of affordability, customer satisfaction and financial stability.

For the best term life insurance for young adults in San Buenaventura (Ventura), Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $10 for men and $9 for women.

Age is a key factor in determining life insurance premiums. Younger adults typically enjoy lower premiums due to their lower risk of health issues. Protective's high MoneyGeek score is attributed to its strong customer satisfaction and affordability. This makes it a top choice for young adults seeking term life insurance in San Buenaventura (Ventura).

For the best cheap term life insurance in San Buenaventura (Ventura), Protective tops the list for men with a MoneyGeek score of 92 and an average monthly premium of $17 and a MoneyGeek score of 92 and a monthly premium of $15.

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.

The average monthly premium for term life insurance in San Buenaventura (Ventura), 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 San Buenaventura (Ventura) 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 San Buenaventura (Ventura) 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.