Best Life Insurance in Simi Valley, CA (September 2024)


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Updated: October 15, 2024

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Protective is the best life insurance company for men and women in Simi Valley, California. Its MoneyGeek score for men is 92 out of 100, with an average monthly premium of $40. For women, its MoneyGeek score is 92, with an average monthly premium of $31. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

Different factors influence life insurance decisions. 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 Simi Valley, 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 InsuranceSimi Valley, CA
2024

Best Life Insurance Companies in Simi Valley

Overall Best Life Insurance in Simi Valley, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Simi Valley for men and women. Its MoneyGeek score is 92 for men, with an average monthly premium of $40. For women, it scores 91 and has an average monthly premium of $31.

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 $48 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $31 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $39 per month for women

Protective is the best option for life insurance in Simi Valley due to its high MoneyGeek scores and affordable premiums. This combination makes it an excellent choice for the average individual seeking reliable and cost-effective life insurance coverage.

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MoneyGeek Top Pick
Protective

In Simi Valley, Protective is the premier choice for life insurance. It offers top-tier services to men and women, with a MoneyGeek score of 92 and 91, respectively. The company ensures a balance of affordability and reliability at monthly premiums of $40 for men and $31 for women. Customers can expect satisfaction and stability when choosing Protective for their life insurance needs.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Simi Valley, CA

How was this MoneyGeek score calculated?

In Simi Valley, Protective provides the best term life insurance, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $20 and $17, respectively. This company's high scores suggest a strong balance of affordability, customer satisfaction, financial stability and product diversity, making it an ideal 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 $20 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $24 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $17 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $23 per month for women

Term life insurance is a straightforward form of life insurance that provides coverage for a specific period. For example, a parent might purchase a 20-year term policy to ensure financial stability for their children until they reach adulthood.

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MoneyGeek Top Pick
Protective

Protective is the premier choice for term life insurance in Simi Valley for men and women, with a MoneyGeek score of 92 for both genders. It balances quality and affordability at an average monthly premium of $20 for men and $17 for women.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Simi Valley, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Simi Valley for men and women, with a MoneyGeek score of 92 for both genders. This score suggests that Protective offers a compelling mix of affordability, customer satisfaction and financial stability, making it a top choice for individuals seeking reliable life insurance coverage.

Top whole life companies for men in Simi Valley:

  • 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 Simi Valley:

  • 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 lifelong coverage and can be an essential part of a financial plan, offering benefits such as fixed premiums and a cash value component that accumulates over time. For example, someone might choose whole life insurance to ensure that their family is protected financially, no matter when they pass away, while also building cash value that can be borrowed against if needed.

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MoneyGeek Top Pick
Protective

Protective is the top choice for whole life insurance for men and women in Simi Valley. With a MoneyGeek score of 92 for both genders, Protective ensures comprehensive coverage and satisfaction. By selecting Protective, residents of Simi Valley can secure their future with confidence, knowing they have chosen a provider that excels in key areas of insurance service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong 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 Simi Valley, CA

How was this MoneyGeek score calculated?

In Simi Valley, Protective provides the best universal life insurance for men and women, with a MoneyGeek score of 91 for both genders. This score reflects Protective's balance of affordability, customer satisfaction and financial stability, making it an excellent choice for individuals seeking reliable coverage and value.

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 and the potential for cash value growth, making it a suitable option for long-term financial planning. For example, someone may choose universal life insurance to have the ability to adjust their premiums and death benefits as their financial situation changes.

mglogo
MoneyGeek Top Pick
Protective

In Simi Valley, Protective is the best universal life insurance provider for men and women, with a MoneyGeek score of 91 for each. This company's excellence is reflected in its high marks across multiple categories, ensuring customers receive quality service and value.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Simi Valley, CA

How was this MoneyGeek score calculated?

Protective is the top provider of the best no-medical-exam life insurance in Simi Valley, with a MoneyGeek score of 91 for men and women. This high score indicates the company's reliable coverage and customer satisfaction, making it a solid choice for individuals seeking life insurance without the hassle of a medical exam. The company's strong financial stability and product diversity further cement its position as a leader in the market.

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 with no mandatory medical exam allows individuals to obtain coverage without undergoing a physical examination. It can be particularly beneficial for those with health issues or who want to secure insurance quickly. For instance, someone with a busy lifestyle or a pre-existing condition might opt for this insurance to avoid the delays and scrutiny of traditional underwriting processes.

mglogo
MoneyGeek Top Pick
Protective

In Simi Valley, Protective is the top provider of life insurance without a required medical exam. It has a MoneyGeek score of 91 for men and women. This high score reflects the company's commitment to customer satisfaction and affordability, making it a reliable choice for those seeking life insurance without the hassle of a medical exam.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Less smooth buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Simi Valley, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for seniors in Simi Valley, Protective stands out for men and women. It has a MoneyGeek score of 91 and 90, respectively. Men can expect an average monthly premium of $95, while women are quoted around $81 per month.

Life insurance premiums rise with age, reflecting the increased risk insurance companies take on as policyholders age. Protective's high score indicates a strong blend of affordability, customer satisfaction and financial stability, making it a smart choice for seniors who prioritize these factors in their insurance selection.

Best Term Life Insurance for Seniors in Simi Valley
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$95MG Score out of 10091
2CompanyMutual of OmahaPremium$107MG Score out of 10091
3CompanyNationwidePremium$90MG Score out of 10090
4CompanyAllstatePremium$87MG Score out of 10089
5CompanyTransamericaPremium$88MG Score out of 10088
6CompanyAAAPremium$120MG Score out of 10088
7CompanyPrudentialPremium$92MG Score out of 10087
8CompanyState FarmPremium$140MG Score out of 10086
9CompanyHavenPremium$189MG Score out of 10082

Best Term Life Insurance for Smokers in Simi Valley, CA

How was this MoneyGeek score calculated?

For smokers in Simi Valley seeking the best term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of $103, while women's premiums are approximately $96 per month.

Smoking influences life insurance premiums significantly due to the increased health risks it poses. Insurers often view smokers as higher-risk clients, which is reflected in higher premium costs. Mutual of Omaha's top ranking is a testament to its balance of affordability, customer satisfaction and financial stability, making it a preferred choice for those in need of the best term life insurance for smokers.

Best Term Life Insurance for Smokers in Simi Valley
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$103MG Score out of 10090
2CompanyNationwidePremium$98MG Score out of 10089
3CompanyAAAPremium$107MG Score out of 10088
4CompanyPrudentialPremium$81MG Score out of 10088
5CompanyTransamericaPremium$95MG Score out of 10087
6CompanyProtectivePremium$167MG Score out of 10087
7CompanyHavenPremium$102MG Score out of 10086
8CompanyState FarmPremium$145MG Score out of 10084
9CompanyAllstatePremium$142MG Score out of 10084

Best Term Life Insurance for Young Adults in Simi Valley, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Simi Valley, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $12 and $10, respectively. Protective's high score is attributed to its affordability, strong customer satisfaction and financial stability.

Age is a crucial factor in determining life insurance premiums, with younger adults typically benefiting from lower rates. Choosing the best term life insurance for young adults ensures you get the most value, especially in a city like Simi Valley, where financial prudence is key.

Best Term Life Insurance for Young Adults in Simi Valley
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$26MG Score out of 10083

Best Cheap Term Life Insurance in Simi Valley, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Simi Valley, Protective stands out for men and women, with a MoneyGeek score of 92 for both. It has an average monthly premium of $17 for women and $20 for men. Protective's high MoneyGeek score is due to its affordability, excellent customer satisfaction and solid financial stability. These factors make it a strong choice for anyone seeking the best cheap term life insurance in Simi Valley.

Life insurance premiums are influenced by various factors, 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 lower coverage amount.

Best Cheap Term Life Insurance in Simi Valley
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$20MG 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$24MG 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 Simi Valley, CA

The average monthly premium for term life insurance in Simi Valley, California, is $29 for women and $38 for men.

Several factors affect the cost of life insurance premiums, including age, health, lifestyle, policy term and coverage amount.

In Simi Valley, the cost of life insurance may be influenced by local health statistics, the cost of living and regional risk factors. For instance, higher health care costs or a higher prevalence of certain health conditions in the area could lead to higher premiums. Conversely, lower crime rates or a healthier population might result in lower premiums.

Understanding these factors can help you make informed decisions when shopping for life insurance in Simi Valley.

FAQ About Life Insurance in Simi Valley, CA

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

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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