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


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Updated: October 4, 2024

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Protective is the best life insurance company in San Francisco, California for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $48 for men and $44 for women.

When deciding on life insurance, consider factors like affordability, customer satisfaction, and financial stability. These scores and premium costs are based on a 20-year term policy with $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 San Francisco, 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 InsuranceSan Francisco,
2024

Best Life Insurance Companies in San Francisco

Overall Best Life Insurance in San Francisco, CA

How was this MoneyGeek score calculated?

In San Francisco, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $48 for men and $44 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $48 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $58 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $44 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $55 per month for women

Protective stands out for its combination of affordability, customer satisfaction and financial stability. This makes it an excellent choice for the average individual looking to purchase life insurance in San Francisco.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for life insurance in San Francisco, offering robust coverage for both men and women. With an overall MoneyGeek score of 91 for women and 92 for men, Protective combines quality service with affordability, charging monthly premiums of $44 for women and $48 for men.

Pros:

  • High customer satisfaction
  • Cost-effective premiums
  • Stable financial standing

Cons:

  • Buying process could improve

Best Term Life Insurance in San Francisco, CA

How was this MoneyGeek score calculated?

In San Francisco, Protective stands out as the provider of the best term life insurance for both men and women, with a MoneyGeek score of 92 and a monthly premium of $25 for men and $24 for women. This company's high scores reflect its strong customer satisfaction and financial stability.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $25 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $29 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $24 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $32 per month for women

Term life insurance is a policy that provides coverage at a fixed rate of payments for a limited period, known as the term. For instance, a parent might purchase a 20-year term life insurance policy to ensure that their child's education expenses will be covered in the event of their untimely death.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance in San Francisco for men and women, boasting a MoneyGeek score of 92. Protective offers a balance of value and security. Men seeking reliable term life insurance need look no further.

Pros:

  • High customer satisfaction
  • Affordable premium
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in San Francisco, CA

How was this MoneyGeek score calculated?

The best whole life insurance in San Francisco for both men and women is offered by Protective. It has a MoneyGeek score of 92 out of 100.

Top whole life companies for men in San Francisco:

  • 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 Francisco:

  • 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

For those in search of the best whole life insurance in San Francisco, Protective emerges as the leading choice for both men and women. With MoneyGeek scores of 92 for each gender, Protective assures a balance of quality service and financial reliability.

Pros:

  • High customer satisfaction
  • Notable 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 Francisco, CA

How was this MoneyGeek score calculated?

In San Francisco, Protective is the best provider of 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 Francisco, Protective stands out as the premier provider of universal life insurance, securing the highest MoneyGeek score of 91 for both men and women. This distinction is based on its exceptional performance across several key metrics.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective stands out as the best life insurance without a medical exam provider in San Francisco 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

Protective stands out as the premier provider of no-medical-exam life insurance in San Francisco, earning a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to customer satisfaction and financial stability.

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 Francisco, CA

How was this MoneyGeek score calculated?

For seniors in San Francisco seeking the best term life insurance for seniors, Protective stands out with the highest MoneyGeek scores for both men and women. Men can expect a MoneyGeek score of 91 and a monthly premium of $115, while women receive a score of 90 with a monthly premium of $114.

Age significantly influences life insurance premiums, with costs typically rising as one gets older due to increased health risks. Protective's leading scores reflect its strong customer satisfaction, financial stability, and product diversity.

Best Term Life Insurance for Seniors in San Francisco
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$115MG Score out of 10091
2CompanyMutual of OmahaPremium$128MG Score out of 10091
3CompanyNationwidePremium$109MG Score out of 10090
4CompanyAllstatePremium$104MG Score out of 10089
5CompanyTransamericaPremium$105MG Score out of 10088
6CompanyAAAPremium$144MG Score out of 10088
7CompanyPrudentialPremium$111MG Score out of 10087
8CompanyState FarmPremium$169MG Score out of 10086
9CompanyHavenPremium$226MG Score out of 10082

Best Term Life Insurance for Smokers in San Francisco, CA

How was this MoneyGeek score calculated?

For smokers seeking the best life insurance for smokers in San Francisco, Mutual of Omaha stands out for both men and women, with a MoneyGeek score of 90 and 89 respectively. Men pay a monthly premium of $124, while women pay $136.

Smoking significantly influences life insurance premiums due to the associated health risks, leading insurers to charge higher rates to mitigate potential costs. Mutual of Omaha's top MoneyGeek scores indicates a balance of affordability, customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Smokers in San Francisco
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$124MG Score out of 10090
2CompanyNationwidePremium$118MG Score out of 10089
3CompanyAAAPremium$128MG Score out of 10088
4CompanyPrudentialPremium$97MG Score out of 10088
5CompanyTransamericaPremium$114MG Score out of 10087
6CompanyProtectivePremium$201MG Score out of 10087
7CompanyHavenPremium$123MG Score out of 10086
8CompanyState FarmPremium$174MG Score out of 10084
9CompanyAllstatePremium$171MG Score out of 10084

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

How was this MoneyGeek score calculated?

The best term life insurance for young adults in San Francisco is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $15 for both men and women. Age plays a crucial role in determining life insurance premiums; younger adults generally pay lower premiums due to lower risk factors.

Protective stands out with its high MoneyGeek score, reflecting its strong affordability, excellent customer satisfaction, and solid financial stability. For young adults in San Francisco seeking the best term life insurance, Protective provides a balanced mix of cost-effectiveness and reliability.

Best Term Life Insurance for Young Adults in San Francisco
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$15MG Score out of 10092
2CompanyMutual of OmahaPremium$18MG Score out of 10091
3CompanyNationwidePremium$18MG Score out of 10090
4CompanyAllstatePremium$15MG Score out of 10089
5CompanyTransamericaPremium$15MG Score out of 10088
6CompanyAAAPremium$20MG Score out of 10088
7CompanyPrudentialPremium$22MG Score out of 10085
8CompanyState FarmPremium$26MG Score out of 10085
9CompanyHavenPremium$23MG Score out of 10084
10CompanyBestowPremium$32MG Score out of 10083

Best Cheap Term Life Insurance in San Francisco, CA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in San Francisco for both men and women, with a MoneyGeek score of 92 and a monthly premium of $25 for men and $24 for women.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a shorter term length, and opt for a higher coverage amount. Protective's high MoneyGeek score is due to its strong affordability, excellent customer satisfaction and solid financial stability.

Best Cheap Term Life Insurance in San Francisco
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$25MG Score out of 10092
2CompanyAllstatePremium$24MG Score out of 10091
3CompanyNationwidePremium$28MG Score out of 10091
4CompanyTransamericaPremium$24MG Score out of 10091
5CompanyMutual of OmahaPremium$29MG Score out of 10089
6CompanyAAAPremium$33MG Score out of 10087
7CompanyPrudentialPremium$33MG Score out of 10085
8CompanyState FarmPremium$42MG Score out of 10082
9CompanyHavenPremium$41MG Score out of 10082

Average Cost of Term Life Insurance in San Francisco, CA

The average cost of term life insurance in San Francisco is $41 per month for women and $46 per month for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, policy term and the coverage amount. For example, younger individuals or those in good health typically pay lower premiums.

Life insurance premiums in San Francisco might be higher compared to the rest of California due to the city's higher cost of living. Access to healthcare and regional risk factors can also play a role in determining premium costs. Understanding these factors can help consumers make informed decisions when purchasing life insurance.

FAQ About Life Insurance in San Francisco, CA

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

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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