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


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Updated: October 4, 2024

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For the best life insurance in Santa Clarita, California, Protective stands out for men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective offers a balanced mix of affordability and reliability. The average monthly premium for women is $30, while for men, it's about $40. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider factors such as affordability, customer satisfaction, and financial stability. Your unique needs might 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 Clarita, 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 Clarita
2024

Best Life Insurance Companies in Santa Clarita

Overall Best Life Insurance in Santa Clarita, CA

How was this MoneyGeek score calculated?

If you are looking for the best life insurance in Santa Clarita, Protective stands out for men and women. For men, it has a MoneyGeek score of 91 and an average monthly premium of $40. For women, it has a MoneyGeek score of 91 and an average monthly premium of $30. This company offers a balanced mix of affordability, customer satisfaction and financial stability.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $40 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $49 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $30 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $37 per month for women

Protective's top ranking is due to its strong affordability, customer satisfaction and financial stability scores. These make it a reliable choice for the average individual seeking life insurance in Santa Clarita.

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MoneyGeek Top Pick
Protective

Protective is the premier life insurance provider in Santa Clarita, with a MoneyGeek score of 91 for women and 92 for men. The average monthly premium is affordable at $30 for women and $40 for men, reflecting the company's commitment to providing value.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Santa Clarita, CA

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in Santa Clarita for men and women, with a MoneyGeek score of 67 for both. Its average monthly premium is $21 for men and $16 for women. This company stands out for its balance of affordability, customer satisfaction and financial stability, making it an excellent choice for individuals seeking reliable coverage without overpaying.

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 $25 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $16 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $22 per month for women

Term life insurance is a straightforward policy that provides coverage for a specific period, offering a death benefit to beneficiaries if the policyholder passes away during the term. It's an option for those who need coverage to protect their family's financial future, such as covering a mortgage or funding a child's education, without the commitment or cost of permanent life insurance.

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MoneyGeek Top Pick
Protective

With a MoneyGeek score of 92 for men and women, Protective is the best term life insurance provider in Santa Clarita. The company offers a monthly premium of $21 for men and $16 for women, ensuring high-quality and affordable coverage.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Santa Clarita, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Santa Clarita, with a MoneyGeek score of 92 for men and women. This score indicates a strong performance across affordability, customer satisfaction and financial stability, making Protective an excellent choice for individuals seeking reliable life insurance coverage.

Top whole life companies for men in Santa Clarita:

  • 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 Clarita:

  • 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. Individuals might opt for whole life insurance over term life insurance if they seek a guaranteed death benefit, fixed premiums and a cash value component that can serve as a savings or investment opportunity. For instance, a parent may purchase a whole life insurance policy to ensure their child's financial future is secure, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

For those seeking whole life insurance in Santa Clarita, Protective stands out with a MoneyGeek score of 92 for men and women. This recognition is a testament to the company's commitment to excellence in several key areas of service and financial products.

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 Santa Clarita, CA

How was this MoneyGeek score calculated?

For those seeking the best universal life insurance in Santa Clarita, Protective stands out with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to affordability, customer satisfaction and product diversity, suggesting that customers can expect a balance of cost and quality in their 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 offers flexibility in premiums and death benefits, which can appeal to those looking for a personalized approach to their insurance needs. For example, someone might prefer universal life insurance to ensure that their coverage adapts to their changing financial situation over time.

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MoneyGeek Top Pick
Protective

Protective is the best universal life insurance provider in Santa Clarita for men and women, with a MoneyGeek score of 91 for each. This score reflects the company's strong commitment to customer satisfaction and financial stability, ensuring a reliable choice for life insurance seekers.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process can improve

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

How was this MoneyGeek score calculated?

When seeking the best no-medical-exam life insurance in Santa Clarita, Protective stands out with a MoneyGeek score of 91 for men and women. This company offers a reliable choice for individuals prioritizing ease and convenience in securing life insurance coverage without undergoing 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, bypassing the traditional health assessment. For example, someone with a busy schedule or a minor health issue might opt for life insurance with no mandatory medical exam to avoid the lengthy underwriting process of standard policies.

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MoneyGeek Top Pick
Protective

In Santa Clarita, Protective is the best choice for life insurance without a mandatory medical exam, with a MoneyGeek score of 91 for men and women. The company's commitment to customer satisfaction and affordability makes it a reliable option for those seeking coverage without the hassle of a medical exam.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

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Best Term Life Insurance for Seniors in Santa Clarita, CA

How was this MoneyGeek score calculated?

In Santa Clarita, Protective provides the best term life insurance for seniors. For men, it has a MoneyGeek score of 91 and an average monthly premium of $96. For women, it has a MoneyGeek score of 90 and an average monthly premium of $76.

Age is a key factor in life insurance premiums; as individuals age, the risk to insurers increases, leading to higher costs. Protective's high MoneyGeek score reflects a strong balance between affordability, customer satisfaction, financial stability and product diversity. For seniors in Santa Clarita, this means it offers a reliable option that meets various needs without compromising on quality or service.

Best Term Life Insurance for Seniors in Santa Clarita
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$96MG Score out of 10091
2CompanyMutual of OmahaPremium$107MG Score out of 10091
3CompanyNationwidePremium$91MG Score out of 10090
4CompanyAllstatePremium$87MG Score out of 10089
5CompanyTransamericaPremium$88MG Score out of 10088
6CompanyAAAPremium$121MG Score out of 10088
7CompanyPrudentialPremium$93MG Score out of 10087
8CompanyState FarmPremium$141MG Score out of 10086
9CompanyHavenPremium$190MG Score out of 10082

Best Term Life Insurance for Smokers in Santa Clarita, CA

How was this MoneyGeek score calculated?

The Mutual of Omaha provides the best term life insurance for smokers in Santa Clarita, with a MoneyGeek score of 90 for men and 89 for women. The average monthly premium for men is $103, while for women, it is $91.

Smokers face higher premiums because they present a greater risk to insurers, often resulting in increased health-related claims. Mutual of Omaha's top scores reflect its strong performance in affordability, customer satisfaction, the buying process, financial stability and product diversity. For smokers seeking reliable life insurance, these factors are pivotal in selecting a policy that offers security and value.

Best Term Life Insurance for Smokers in Santa Clarita
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$103MG Score out of 10090
2CompanyNationwidePremium$99MG Score out of 10089
3CompanyAAAPremium$107MG Score out of 10088
4CompanyPrudentialPremium$81MG Score out of 10088
5CompanyTransamericaPremium$96MG Score out of 10087
6CompanyProtectivePremium$168MG Score out of 10087
7CompanyHavenPremium$103MG Score out of 10086
8CompanyState FarmPremium$146MG Score out of 10084
9CompanyAllstatePremium$143MG Score out of 10084

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

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Santa Clarita, Protective stands out with a MoneyGeek Score of 92 for men and women. Its average monthly premiums are $10 for women and $12 for men.

Age significantly impacts life insurance premiums, with younger adults typically enjoying lower costs. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it a strong choice for young adults seeking reliable term life insurance in Santa Clarita.

Best Term Life Insurance for Young Adults in Santa Clarita
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyMutual of OmahaPremium$15MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10090
4CompanyAllstatePremium$12MG Score out of 10089
5CompanyTransamericaPremium$12MG Score out of 10088
6CompanyAAAPremium$17MG Score out of 10088
7CompanyPrudentialPremium$18MG Score out of 10085
8CompanyState FarmPremium$22MG Score out of 10085
9CompanyHavenPremium$19MG Score out of 10084
10CompanyBestowPremium$27MG Score out of 10083

Best Cheap Term Life Insurance in Santa Clarita, CA

How was this MoneyGeek score calculated?

In Santa Clarita, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 for both genders. Its average monthly premiums are $21 for men and $16 for women. Protective scores high in affordability, customer satisfaction and financial stability.

Several factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain good health, avoid tobacco and choose a shorter term length if possible.

Best Cheap Term Life Insurance in Santa Clarita
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$21MG Score out of 10092
2CompanyAllstatePremium$20MG Score out of 10091
3CompanyNationwidePremium$23MG Score out of 10091
4CompanyTransamericaPremium$20MG Score out of 10091
5CompanyMutual of OmahaPremium$25MG Score out of 10089
6CompanyAAAPremium$27MG Score out of 10087
7CompanyPrudentialPremium$27MG Score out of 10085
8CompanyState FarmPremium$35MG Score out of 10082
9CompanyHavenPremium$34MG Score out of 10082

Average Cost of Term Life Insurance in Santa Clarita, CA

The average monthly premium for term life insurance in Santa Clarita, California, is $27 for women and $38 for men.

Several factors affect the cost of life insurance premiums. These include age, health status, lifestyle and occupation. These elements can significantly impact the amount you pay for coverage.

The cost of life insurance in Santa Clarita might be higher or lower than in the rest of California for various reasons. Local health statistics can influence premiums, as areas with higher rates of illness or shorter life expectancy may see higher costs. The cost of living in Santa Clarita can also play a role, as areas with higher living expenses often have higher insurance premiums. Lastly, specific risk factors in the area, such as environmental hazards or crime rates, can affect the cost of life insurance.

Understanding these factors can help you make more informed decisions about your life insurance needs.

FAQ About Life Insurance in Santa Clarita, CA

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

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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