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


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Updated: October 11, 2024

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Protective is the best life insurance company in San Jose, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $42. For women, the MoneyGeek score is 92, with an average premium of $33 per month.

Different factors influence life insurance decisions, and 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 Jose, 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 Jose, CA
2024

Best Life Insurance Companies in San Jose

Overall Best Life Insurance in San Jose, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in San Jose for both men and women, with a MoneyGeek score of 92 out of 100 for men and 91 out of 100 for women, at $42 and $33 per month, respectively.

Top Providers for Men

  • Protective: MoneyGeek score of 92 out of 100 at $42 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $51 per month for men

Top Providers for Women

  • Protective: MoneyGeek score of 91 out of 100 at $33 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $41 per month for women

Protective stands out due to its high MoneyGeek scores and competitive premiums. This makes it an excellent choice for the average individual looking to purchase life insurance in San Jose.

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MoneyGeek Top Pick
Protective

For those seeking reliable life insurance in San Jose, Protective emerges as the premier choice for both men and women. With a MoneyGeek score of 91 for women and 92 for men, the company offers competitive monthly premiums of $33 for women and $42 for men.

Pros:

  • High customer satisfaction
  • Competitive affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in San Jose, CA

How was this MoneyGeek score calculated?

The Protective stands out as the best term life insurance provider in San Jose for both men and women, with a MoneyGeek score of 92 and monthly premiums of $21 and $18, 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 $21 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $26 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $24 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.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for men and women seeking the best term life insurance in San Jose, boasting a MoneyGeek score of 92. Protective offers a blend of value and security that resonates with customers looking for reliable coverage. Their high scores in customer satisfaction and affordability make them a top contender in the insurance landscape.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could be smoother

Best Whole Life Insurance in San Jose, CA

How was this MoneyGeek score calculated?

The Protective company stands out as the provider of the best whole life insurance in San Jose for both men and women, boasting a MoneyGeek score of 92. This score reflects a balance of affordability, customer satisfaction, and financial stability, making Protective a solid choice for individuals seeking a reliable insurance policy.

Top whole life companies for men in San Jose:

  • 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 Jose:

  • 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 offers a guaranteed death benefit, fixed premiums, and a cash value component that grows over time. For example, someone may choose best whole life insurance for the peace of mind that comes with knowing their policy will not expire as long as premiums are paid, and it can also serve as a financial asset.

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MoneyGeek Top Pick
Protective

Protective emerges as the top choice for whole life insurance in San Jose, catering to both men and women with an impressive MoneyGeek score of 92. Customers value Protective for its robust financial stability and high satisfaction ratings, making it a reliable choice for long-term insurance needs.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Stable financial foundation

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 Jose, CA

How was this MoneyGeek score calculated?

When it comes to finding the best universal life insurance in San Jose, Protective stands out for both men and women, boasting a MoneyGeek score of 91. This top score reflects the company's commitment to affordability, customer satisfaction, and financial stability, making it a solid choice for those seeking reliable life insurance coverage.

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 flexible premiums and the potential for cash value growth, making it a versatile option. For instance, someone who wants the ability to adjust their premium payments over time might choose universal life insurance over a term life policy with fixed payments.

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MoneyGeek Top Pick
Protective

Protective emerges as the premier choice for universal life insurance in San Jose, catering to both men and women with an impressive MoneyGeek score of 91. This score reflects a balanced offering that meets a wide range of customer needs.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective is the best life insurance without a required medical exam provider in San Jose 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 potentially stressful process of a health examination.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier provider of life insurance that does not require a medical exam in San Jose, with a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to offering reliable insurance options without the need for a medical examination. Protective's high customer satisfaction and affordability scores demonstrate their ability to meet the needs of a diverse clientele with ease and financial prudence. However, their buying process score indicates room for improvement in the customer experience.

Pros:

  • High customer approval
  • Competitive pricing
  • Solid financial reliability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in San Jose, CA

How was this MoneyGeek score calculated?

For older men in San Jose seeking the best term life insurance for seniors in San Jose, Protective leads with a MoneyGeek score of 91 and an average monthly premium of $100. Women find Protective at the top, earning a MoneyGeek score of 90 and a $84 average monthly premium.

Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity..

Best Term Life Insurance for Seniors in San Jose
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$100MG Score out of 10091
2CompanyMutual of OmahaPremium$112MG Score out of 10091
3CompanyNationwidePremium$95MG Score out of 10090
4CompanyAllstatePremium$91MG Score out of 10089
5CompanyTransamericaPremium$92MG Score out of 10088
6CompanyAAAPremium$126MG Score out of 10088
7CompanyPrudentialPremium$96MG Score out of 10087
8CompanyState FarmPremium$147MG Score out of 10086
9CompanyHavenPremium$198MG Score out of 10082

Best Term Life Insurance for Smokers in San Jose, CA

How was this MoneyGeek score calculated?

In San Jose, 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 $108. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $101.

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 and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.

Best Term Life Insurance for Smokers in San Jose
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$108MG Score out of 10090
2CompanyNationwidePremium$103MG Score out of 10089
3CompanyAAAPremium$112MG Score out of 10088
4CompanyPrudentialPremium$85MG Score out of 10088
5CompanyTransamericaPremium$100MG Score out of 10087
6CompanyProtectivePremium$175MG Score out of 10087
7CompanyHavenPremium$107MG Score out of 10086
8CompanyState FarmPremium$152MG Score out of 10084
9CompanyAllstatePremium$149MG Score out of 10084

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

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in San Jose, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $13 for men and $11 for women. Age plays a crucial role in determining life insurance premiums.

Younger adults typically benefit from lower costs due to their generally better health and longer life expectancy. Protective's high MoneyGeek score is attributed to its strong performance in affordability, customer satisfaction and financial stability.

Best Term Life Insurance for Young Adults in San Jose
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyMutual of OmahaPremium$16MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10090
4CompanyAllstatePremium$13MG Score out of 10089
5CompanyTransamericaPremium$13MG Score out of 10088
6CompanyAAAPremium$17MG Score out of 10088
7CompanyPrudentialPremium$19MG Score out of 10085
8CompanyState FarmPremium$23MG Score out of 10085
9CompanyHavenPremium$20MG Score out of 10084
10CompanyBestowPremium$28MG Score out of 10083

Best Cheap Term Life Insurance in San Jose, CA

How was this MoneyGeek score calculated?

For men, Protective offers the best cheap term life insurance in San Jose for both men and women with a MoneyGeek score of 92 and an average monthly premium of $21 for men and a MoneyGeek score of 92 and a monthly premium of $18 for women.

Various factors influence the cost of life insurance premiums, including age, health status, coverage amount, term length and tobacco use. To get the lowest premiums, individuals should maintain good health, avoid tobacco, and choose an appropriate coverage amount and term length.

Protective is the ideal choice for those seeking the best cheap term life insurance in San Jose. Choosing a provider with a high MoneyGeek score ensures that you get good value for your money while securing the necessary coverage for your needs.

Best Cheap Term Life Insurance in San Jose
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$21MG Score out of 10092
2CompanyAllstatePremium$21MG Score out of 10091
3CompanyNationwidePremium$24MG Score out of 10091
4CompanyTransamericaPremium$21MG Score out of 10091
5CompanyMutual of OmahaPremium$26MG Score out of 10089
6CompanyAAAPremium$29MG Score out of 10087
7CompanyPrudentialPremium$29MG Score out of 10085
8CompanyState FarmPremium$36MG Score out of 10082
9CompanyHavenPremium$36MG Score out of 10082

Average Cost of Term Life Insurance in San Jose, CA

The average monthly premium for term life insurance in San Jose, 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 Jose 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 Jose 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 San Jose, CA

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

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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