Best Life Insurance in Stockton, CA (September 2024)


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Updated: October 15, 2024

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Protective is the best life insurance company in Stockton, California, with a MoneyGeek score of 92 for men and 91 for women. It offers competitive premium costs of around $25 and $22 per month, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When choosing life insurance, consider factors like coverage amount, term length and your needs. While Protective scores highly, your specific situation may mean another company is better 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 Stockton, 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 InsuranceStockton, CA
2024

Best Life Insurance Companies in Stockton

Overall Best Life Insurance in Stockton, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Stockton, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $25 and $22, respectively.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $25 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $30 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $22 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $27 per month for women

Protective is the best choice for the average individual looking to purchase life insurance in Stockton due to its high MoneyGeek scores and competitive monthly premiums. This combination makes it a reliable option for securing life insurance coverage.

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MoneyGeek Top Pick
Protective

Protective is the best life insurance provider in Stockton, with a MoneyGeek score of 92 for men and 91 for women. The company offers a blend of high customer satisfaction and affordability at an average monthly premium of $22 for women and $25 for men.

Pros:

  • High customer satisfaction
  • Notable affordability
  • Reliable financial stability

Cons:

  • Room for improvement in the buying process

Best Term Life Insurance in Stockton, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance in Stockton, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $13 and $12, respectively. The company's top-notch score indicates strong performance in affordability, customer satisfaction, buying process, financial stability and product diversity, making it a solid choice for the average individual looking for term life insurance coverage.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $15 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month for women

Term life insurance is a policy that provides coverage for a specified term and offers a death benefit if the insured passes away during this period. It's often chosen for its simplicity and affordability, as it can provide financial security for beneficiaries during key years, such as while paying off a mortgage or raising children.

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MoneyGeek Top Pick
Protective

In Stockton, Protective is the top choice for men and women seeking term life insurance, with a MoneyGeek score of 92 for both genders. The average monthly premium for men is $13, while for women, it's $12. Its ranking reflects a blend of affordability, customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Product diversity not highlighted

Best Whole Life Insurance in Stockton, CA

How was this MoneyGeek score calculated?

Protective provides the best whole life insurance in Stockton, with a MoneyGeek score of 92 for men and women. This score indicates that Protective excels in affordability, customer satisfaction, the buying process and financial stability. These features make it a reliable choice for individuals seeking long-term financial security through life insurance. The company's product diversity also ensures customers can find coverage that fits their unique needs.

Top whole life companies for men in Stockton:

  • 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 Stockton:

  • 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 permanent policy that provides coverage for the insured's entire lifetime as long as premiums are paid. It can be an attractive option for those who want the certainty of fixed premiums and a guaranteed death benefit. For example, someone might choose whole life insurance over term life insurance to ensure they leave a legacy for their heirs, regardless of when they pass away.

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MoneyGeek Top Pick
Protective

Protective is the best choice for whole life insurance in Stockton, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Average buying process

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 Stockton, CA

How was this MoneyGeek score calculated?

When searching for the best universal life insurance in Stockton, Protective stands out with a MoneyGeek score of 91 for men and women. Protective's high score suggests it offers a strong combination of affordability, customer satisfaction 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 policy that allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance if they want the potential to build cash value that can be used in retirement, offering a financial tool that serves multiple purposes.

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MoneyGeek Top Pick
Protective

Protective is the leading provider of universal life insurance in Stockton, with a MoneyGeek score of 91 for men and women. The company stands out for its commitment to customer satisfaction and financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Less ease in buying

Best No-Medical-Exam Life Insurance in Stockton, CA

How was this MoneyGeek score calculated?

Protective provides the best no-medical-exam life insurance in Stockton for men and women, with a MoneyGeek score of 91 for each. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a wise choice for individuals who prioritize a straightforward and reliable insurance experience.

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 without undergoing a health examination. It can be ideal for those with health concerns or needing quick coverage. For instance, someone with a busy lifestyle or a pre-existing condition may opt for life insurance with no mandatory medical exam to avoid the delays and complexities of a traditional medical underwriting process.

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MoneyGeek Top Pick
Protective

For men and women in Stockton, Protective is the premier provider of life insurance without the hassle of a medical exam. Its MoneyGeek score of 91 for both genders reflects the company's blend of customer satisfaction and cost-effectiveness.

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 Stockton, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance for seniors in Stockton, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $59 and $56, respectively.

Age affects life insurance premiums, with costs typically rising as policyholders get older. This is due to increased health risks associated with aging, which insurers account for in their pricing. Protective's top scores reflect its excellence in affordability, customer satisfaction and financial stability. These factors are vital for seniors who prioritize dependable coverage without undue financial strain.

Best Term Life Insurance for Seniors in Stockton
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$59MG Score out of 10091
2CompanyMutual of OmahaPremium$66MG Score out of 10091
3CompanyNationwidePremium$56MG Score out of 10090
4CompanyAllstatePremium$53MG Score out of 10089
5CompanyTransamericaPremium$54MG Score out of 10088
6CompanyAAAPremium$74MG Score out of 10088
7CompanyPrudentialPremium$57MG Score out of 10087
8CompanyState FarmPremium$87MG Score out of 10086
9CompanyHavenPremium$116MG Score out of 10082

Best Term Life Insurance for Smokers in Stockton, CA

How was this MoneyGeek score calculated?

For smokers in Stockton seeking term life insurance, Mutual of Omaha stands out with MoneyGeek scores of 90 for men and 89 for women. The average monthly premiums are $64 and $66, respectively.

Smoking is a factor in life insurance as it can lead to higher premiums due to the increased health risks it poses. Mutual of Omaha demonstrates a balance of affordability, customer satisfaction and financial stability, making it the best term life insurance for smokers provider in Stockton.

Best Term Life Insurance for Smokers in Stockton
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$64MG Score out of 10090
2CompanyNationwidePremium$61MG Score out of 10089
3CompanyAAAPremium$66MG Score out of 10088
4CompanyPrudentialPremium$50MG Score out of 10088
5CompanyTransamericaPremium$59MG Score out of 10087
6CompanyProtectivePremium$103MG Score out of 10087
7CompanyHavenPremium$63MG Score out of 10086
8CompanyState FarmPremium$90MG Score out of 10084
9CompanyAllstatePremium$88MG Score out of 10084

Best Term Life Insurance for Young Adults in Stockton, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Stockton, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $8 and $7, respectively. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.

Age significantly impacts the cost of life insurance premiums. Younger adults generally pay lower premiums because they are considered lower risk. Choosing a provider with a high score ensures you get the best value for your money, combining low premiums with excellent service and reliability.

Best Term Life Insurance for Young Adults in Stockton
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$9MG Score out of 10091
3CompanyNationwidePremium$9MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$10MG Score out of 10088
7CompanyPrudentialPremium$11MG Score out of 10085
8CompanyState FarmPremium$14MG Score out of 10085
9CompanyHavenPremium$12MG Score out of 10084
10CompanyBestowPremium$16MG Score out of 10083

Best Cheap Term Life Insurance in Stockton, CA

How was this MoneyGeek score calculated?

Protective offers the best cheap term life insurance in Stockton, with a MoneyGeek Score of 92 for men and women. Its average monthly premium is $13 and $12, respectively. Protective stands out with its high affordability score, excellent customer satisfaction and strong financial stability. The company's balanced scores in various categories ensure that policyholders receive good value for their money.

Several 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, avoid tobacco and choose a shorter term length or lower coverage amount.

Best Cheap Term Life Insurance in Stockton
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$12MG Score out of 10091
3CompanyNationwidePremium$14MG Score out of 10091
4CompanyTransamericaPremium$12MG Score out of 10091
5CompanyMutual of OmahaPremium$15MG Score out of 10089
6CompanyAAAPremium$17MG Score out of 10087
7CompanyPrudentialPremium$17MG Score out of 10085
8CompanyState FarmPremium$22MG Score out of 10082
9CompanyHavenPremium$21MG Score out of 10082

Average Cost of Term Life Insurance in Stockton, CA

The average monthly premium for term life insurance in Stockton, California, is $20 for women and $23 for men.

Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount and policy type. Each of these elements can influence the final premium amount.

Due to local conditions, the cost of life insurance in Stockton might be higher or lower than in the rest of California. Factors such as local health statistics, cost of living, crime rates and economic conditions can all play a role in determining insurance premiums. Understanding these factors can help you make informed decisions about your life insurance needs.

FAQ About Life Insurance in Stockton, CA

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

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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