Best Life Insurance in Santa Clara, CA (September 2024)


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Updated: October 15, 2024

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Protective is the best life insurance company in Santa Clara, California, with a MoneyGeek score of 91 for women and 92 for men. Its average monthly premiums are $41 and $61, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors should be considered when deciding on the type of life insurance to buy. 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 Santa Clara, 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 InsuranceSanta Clara, CA
2024

Best Life Insurance Companies in Santa Clara

Overall Best Life Insurance in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective is the best life insurance provider in Santa Clara, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $61 and $41, respectively.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $61 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $75 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $41 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $50 per month for women

Protective is the best choice for the average individual looking to purchase life insurance in Santa Clara. The company excels in affordability and customer satisfaction, making it a reliable option for consumers.

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MoneyGeek Top Pick
Protective

Protective is the top choice for life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 and 91, respectively. Men can expect an average monthly premium of $61, while women are quoted around $41. With exceptional customer satisfaction and solid financial stability, Protective provides a reliable choice for life insurance.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 for both genders. Its average monthly premium is $31 for men and $22 for women. The company's high score indicates a robust combination of affordability, customer satisfaction and financial stability, which are vital factors for the average individual considering term life insurance.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $31 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $38 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $22 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $30 per month for women

Term life insurance provides coverage for a specified period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, a parent may choose term life insurance to ensure their child's education expenses are covered if the unexpected occurs. This type of insurance is often selected for its simplicity and affordability compared to permanent life insurance options.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for term life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 for each. Men can secure a policy at an approximate monthly premium of $31, while women can secure coverage at an affordable monthly premium of around $22.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Robust financial stability

Cons:

  • Buying process could be improved

Best Whole Life Insurance in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective is the best whole life insurance provider in Santa Clara, with a MoneyGeek score of 92 for men and women. This score suggests that Protective offers a balance of affordability, customer satisfaction, financial stability and product diversity that is well-suited for the average individual looking for reliable insurance coverage.

Top whole life companies for men in Santa Clara:

  • 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 Santa Clara:

  • 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 a guaranteed death benefit, fixed premiums and a savings component that grows over time, making it a sound choice for long-term financial planning. For example, someone may choose whole life insurance to ensure their family's financial security regardless of how long they live.

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MoneyGeek Top Pick
Protective

In Santa Clara, Protective is the leading choice for whole life insurance for men and women, with a MoneyGeek score of 92 for each. The company's commitment to customer satisfaction, affordability and diverse product offerings makes it a top contender in the insurance market.

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 Santa Clara, CA

How was this MoneyGeek score calculated?

Protective provides the best universal life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. This score indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity, making Protective an excellent choice for individuals seeking a reliable life insurance policy.

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 provides flexibility in premium payments and death benefits, which can appeal to those who want control over their policy's cash value growth. For instance, someone might choose universal life insurance over term life insurance if they are interested in the potential to accumulate cash value that can be borrowed against or used to pay premiums.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for universal life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. The company demonstrates a strong commitment to customer satisfaction and financial stability.

Pros:

  • High customer approval
  • Strong affordability
  • Reliable financial standing

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective provides the best no-medical-exam life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. This score reflects Protective's strong performance across affordability, customer satisfaction, financial stability and product diversity, which are critical for individuals seeking reliable life insurance without the hassle of a medical exam.

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 a required medical exam allows individuals to obtain coverage quickly and without needing a medical assessment. It can be a significant advantage for those with health concerns or a need for expedited coverage. For example, a person with a busy lifestyle or a pre-existing condition might choose this insurance to avoid the lengthy process and potential obstacles of traditional underwriting.

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MoneyGeek Top Pick
Protective

In Santa Clara, Protective is the premier provider of life insurance with no mandatory medical exam. Its MoneyGeek score of 91 for men and women reflects the company's commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • 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 Santa Clara, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for seniors in Santa Clara, with a MoneyGeek score of 91 for men and 90 for women. Its average monthly premiums are $147 and $105, respectively.

Age is a determining factor in life insurance premiums, with costs typically increasing with age due to heightened risk. Protective's high MoneyGeek score signifies a commendable balance between affordability, customer satisfaction and financial stability, making it an optimal choice for seniors prioritizing both cost and quality in their life insurance selection

Best Term Life Insurance for Seniors in Santa Clara
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$147MG Score out of 10091
2CompanyMutual of OmahaPremium$164MG Score out of 10091
3CompanyNationwidePremium$139MG Score out of 10090
4CompanyAllstatePremium$133MG Score out of 10089
5CompanyTransamericaPremium$135MG Score out of 10088
6CompanyAAAPremium$185MG Score out of 10088
7CompanyPrudentialPremium$142MG Score out of 10087
8CompanyState FarmPremium$216MG Score out of 10086
9CompanyHavenPremium$290MG Score out of 10082

Best Term Life Insurance for Smokers in Santa Clara, CA

How was this MoneyGeek score calculated?

Mutual of Omaha offers the best term life insurance for smokers in Santa Clara, with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of about $158, while women are quoted around $125.

Smoking affects life insurance premiums significantly due to the associated health risks. Mutual of Omaha's high score reflects its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity. These factors are essential for Santa Clara residents seeking reliable coverage tailored to their needs as smokers.

Best Term Life Insurance for Smokers in Santa Clara
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$158MG Score out of 10090
2CompanyNationwidePremium$151MG Score out of 10089
3CompanyAAAPremium$164MG Score out of 10088
4CompanyPrudentialPremium$124MG Score out of 10088
5CompanyTransamericaPremium$146MG Score out of 10087
6CompanyProtectivePremium$257MG Score out of 10087
7CompanyHavenPremium$157MG Score out of 10086
8CompanyState FarmPremium$223MG Score out of 10084
9CompanyAllstatePremium$218MG Score out of 10084

Best Term Life Insurance for Young Adults in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective offers the best term life insurance for young adults in Santa Clara, with a MoneyGeek Score of 92 for men and women. Its average monthly premiums are $19 and $13, respectively. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction, and financial stability.

Age significantly impacts life insurance premiums. Younger adults typically benefit from lower premiums due to their lower risk of health issues.

Best Term Life Insurance for Young Adults in Santa Clara
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$19MG Score out of 10092
2CompanyMutual of OmahaPremium$23MG Score out of 10091
3CompanyNationwidePremium$23MG Score out of 10090
4CompanyAllstatePremium$19MG Score out of 10089
5CompanyTransamericaPremium$19MG Score out of 10088
6CompanyAAAPremium$26MG Score out of 10088
7CompanyPrudentialPremium$28MG Score out of 10085
8CompanyState FarmPremium$34MG Score out of 10085
9CompanyHavenPremium$30MG Score out of 10084
10CompanyBestowPremium$41MG Score out of 10083

Best Cheap Term Life Insurance in Santa Clara, CA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Santa Clara. It has a MoneyGeek score of 92 for men and women and average monthly premiums of $31 and $22, respectively. 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 Santa Clara
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$31MG Score out of 10092
2CompanyAllstatePremium$31MG Score out of 10091
3CompanyNationwidePremium$36MG Score out of 10091
4CompanyTransamericaPremium$31MG Score out of 10091
5CompanyMutual of OmahaPremium$38MG Score out of 10089
6CompanyAAAPremium$42MG Score out of 10087
7CompanyPrudentialPremium$42MG Score out of 10085
8CompanyState FarmPremium$54MG Score out of 10082
9CompanyHavenPremium$53MG Score out of 10082

Average Cost of Term Life Insurance in Santa Clara, CA

The average monthly premium for term life insurance in Santa Clara, California, is $29 for women and $33 for men. Knowing these rates can help you 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 Santa Clara 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 Santa Clara 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 Santa Clara, CA

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

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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