Best Life Insurance in Sunnyvale, CA (September 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: October 4, 2024

Advertising & Editorial Disclosure

If you're looking for the best life insurance in Sunnyvale, California, Protective tops the list for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers competitive coverage. The average monthly premium is $66 for men and $48 for women. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.

When deciding on life insurance, consider factors like policy length, coverage amount and your personal health. 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 Sunnyvale, California.

recency icon

Coverage costs and company information for life insurance providers were updated in September 2024.

1,488Quotes Analyzed
 
14Companies Compared
 
50ZIP Codes
MoneyGeek Logo IconBestLife InsuranceSunnyvale, CA
2024

Best Life Insurance Companies in Sunnyvale

Overall Best Life Insurance in Sunnyvale, CA

How was this MoneyGeek score calculated?

In Sunnyvale, Protective offers the best life insurance for men and women. It has a MoneyGeek score of 92 and an average monthly premium of $66 for men and a score of 91 with an average monthly premium of $48 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $66 per month for men
  • Mutual of Omaha: MoneyGeek score of 88 out of 100 at $80 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $48 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $59 per month for women

Protective stands out due to its high MoneyGeek scores, indicating strong performance in affordability, customer satisfaction and financial stability. This makes it a top choice for residents looking for reliable and affordable life insurance coverage.

mglogo
MoneyGeek Top Pick
Protective

Protective is the top provider for men and women seeking life insurance in Sunnyvale, with a MoneyGeek score of 91 for women and 92 for men. The monthly premium for women is around $48, while it is about $66 for men.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Sunnyvale, CA

How was this MoneyGeek score calculated?

In Sunnyvale, Protective offers the best term life insurance for men and women, with a MoneyGeek score of 92 for each. Its average monthly premiums are $34 for men and $26 for women. This company offers a balance of affordability, customer satisfaction and financial stability, making it a prime 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 $34 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $40 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $26 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $35 per month for women

Term life insurance is a policy that provides coverage for a specific term, such as 10, 20 or 30 years. It's an appropriate choice for those who need temporary protection, such as parents wanting to ensure their children's financial stability until they become independent.

mglogo
MoneyGeek Top Pick
Protective

Protective is the premier choice for term life insurance in Sunnyvale for men and women, with a MoneyGeek score of 92 for each. Men seeking reliable coverage can secure a policy at an average monthly premium of $34, while for women, it is about $26 per month. This company offers competitive pricing and excels in customer satisfaction and financial stability, ensuring a reliable choice for term life insurance needs.

Pros:

  • High customer satisfaction
  • Exceptional affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Sunnyvale, CA

How was this MoneyGeek score calculated?

Protective is the best provider of whole life insurance in Sunnyvale, with a MoneyGeek score of 92 for men and women. For the average individual seeking a reliable whole life insurance policy, Protective offers a combination of affordability, customer satisfaction, buying process ease, financial stability and product diversity. These factors contribute to a high MoneyGeek score, indicating a quality insurance experience for policyholders.

Top whole life companies for men in Sunnyvale:

  • 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 Sunnyvale:

  • 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 offers a death benefit alongside a savings component. The policy can accumulate cash value over time, which can be a compelling reason to choose whole life insurance over term policies. For instance, someone might opt for whole life insurance to ensure lifelong coverage while investing in a policy that can contribute to their financial legacy.

mglogo
MoneyGeek Top Pick
Protective

For those in Sunnyvale seeking whole life insurance, Protective is the leading provider for men and women, with a MoneyGeek score of 92 for each. This score reflects the company's commitment to meeting the needs of its clients through high-quality service and value.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process may need improvement

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.

widget-location-pin
Insurance Rates

Best Universal Life Insurance in Sunnyvale, CA

How was this MoneyGeek score calculated?

Protective is the premier provider of the best universal life insurance in Sunnyvale for men and women, with a MoneyGeek score of 91 for each. This top ranking indicates that Protective excels in providing a balance of affordability, customer satisfaction and financial stability, making it an optimal choice for the average individual seeking life insurance.

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 long-term financial planning. For instance, someone who wants the ability to adjust their coverage as their financial situation changes may find universal life insurance to be particularly beneficial.

mglogo
MoneyGeek Top Pick
Protective

Protective is the premier choice for universal life insurance in Sunnyvale, with a MoneyGeek score of 91 for men and women. Its commitment to customer satisfaction, financial stability and competitive pricing makes it a top contender in the life insurance market.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Excellent affordability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective is the best no-medical-exam life insurance provider in Sunnyvale, with a MoneyGeek score of 91 for men and women. The company stands out for its financial stability, customer satisfaction and product diversity, making it a reliable choice for individuals seeking life insurance without the hassle of a medical exam. The company's high scores suggest a smooth buying process and an affordable policy for the average person in Sunnyvale.

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 mandatory medical exam allows individuals to secure a policy without undergoing a health assessment. It can be particularly appealing for those who need insurance quickly or have health issues that could make traditional insurance prohibitively expensive or difficult to obtain. For instance, an entrepreneur in Sunnyvale with a busy schedule and no recent check-ups might opt for life insurance without a required medical exam to ensure immediate coverage without delays.

mglogo
MoneyGeek Top Pick
Protective

In Sunnyvale, Protective is the premier choice for life insurance without a required medical exam. With a MoneyGeek score of 91 for men and women, Protective ensures comprehensive coverage. Consumers can trust in Protective's proven track record, offering a balanced blend of value and security for their life insurance needs.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process improvement needed

How Much Life Insurance Do You Need?

Answer three simple questions to get your recommended coverage amount.

Incognito iconYour information is anonymous and secure
Income icon
Saving icon
debt icon

Best Term Life Insurance for Seniors in Sunnyvale, CA

How was this MoneyGeek score calculated?

Protective provides the best term life insurance for seniors in Sunnyvale. It has a MoneyGeek score of 91 for men, with an average monthly premium of $158. For women, it has aMoneyGeek score of 90 and an average monthly premium of $122.

Age significantly impacts life insurance premiums because older individuals typically present a higher risk to insurers. Protective's top scores reflect its strong performance in customer satisfaction, affordability and financial stability, which are critical factors for seniors seeking reliable life insurance options. Choosing a company like Protective, with high ratings, ensures that seniors in Sunnyvale can secure their future with confidence.

Best Term Life Insurance for Seniors in Sunnyvale
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$158MG Score out of 10091
2CompanyMutual of OmahaPremium$177MG Score out of 10091
3CompanyNationwidePremium$150MG Score out of 10090
4CompanyAllstatePremium$143MG Score out of 10089
5CompanyTransamericaPremium$145MG Score out of 10088
6CompanyAAAPremium$198MG Score out of 10088
7CompanyPrudentialPremium$152MG Score out of 10087
8CompanyState FarmPremium$232MG Score out of 10086
9CompanyHavenPremium$312MG Score out of 10082

Best Term Life Insurance for Smokers in Sunnyvale, CA

How was this MoneyGeek score calculated?

For smokers in Sunnyvale looking for term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. Its average monthly premiums are $170 for men and $145 for women.

Smoking impacts life insurance premiums due to the associated health risks, which insurers account for in their pricing. Mutual of Omaha's high MoneyGeek scores indicate a balance of affordability, customer satisfaction and financial stability, making the company a strong choice for those seeking the best term life insurance for smokers. Choosing a policy from a top-rated provider can offer security, knowing that the insurer is well-regarded and likely to provide reliable coverage.

Best Term Life Insurance for Smokers in Sunnyvale
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$170MG Score out of 10090
2CompanyNationwidePremium$163MG Score out of 10089
3CompanyAAAPremium$176MG Score out of 10088
4CompanyPrudentialPremium$134MG Score out of 10088
5CompanyTransamericaPremium$157MG Score out of 10087
6CompanyProtectivePremium$276MG Score out of 10087
7CompanyHavenPremium$169MG Score out of 10086
8CompanyState FarmPremium$240MG Score out of 10084
9CompanyAllstatePremium$235MG Score out of 10084

Best Term Life Insurance for Young Adults in Sunnyvale, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Sunnyvale, Protective stands out with a MoneyGeek score of 92. Its average monthly premium is $16 for women and $20 for men.

Age is a key factor in determining life insurance premiums. Younger adults generally pay lower rates due to their lower risk profiles. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability. These attributes make it a reliable choice for those seeking the best term life insurance for young adults.

Best Term Life Insurance for Young Adults in Sunnyvale
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$20MG Score out of 10092
2CompanyMutual of OmahaPremium$25MG Score out of 10091
3CompanyNationwidePremium$24MG Score out of 10090
4CompanyAllstatePremium$21MG Score out of 10089
5CompanyTransamericaPremium$21MG Score out of 10088
6CompanyAAAPremium$28MG Score out of 10088
7CompanyPrudentialPremium$30MG Score out of 10085
8CompanyState FarmPremium$36MG Score out of 10085
9CompanyHavenPremium$32MG Score out of 10084
10CompanyBestowPremium$44MG Score out of 10083

Best Cheap Term Life Insurance in Sunnyvale, CA

How was this MoneyGeek score calculated?

If you're looking for the best cheap term life insurance in Sunnyvale, Protective stands out for men and women with a MoneyGeek score of 92. Its average monthly premiums are $34 for men and $26 for women. Protective earns the highest MoneyGeek score due to its strong customer satisfaction, financial stability and affordability. By selecting Protective, you benefit from a balance of cost and quality, ensuring financial protection for you and your loved ones.

Several factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain good health, choose a shorter term and opt for lower coverage.

Best Cheap Term Life Insurance in Sunnyvale
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$34MG Score out of 10092
2CompanyAllstatePremium$33MG Score out of 10091
3CompanyNationwidePremium$38MG Score out of 10091
4CompanyTransamericaPremium$33MG Score out of 10091
5CompanyMutual of OmahaPremium$40MG Score out of 10089
6CompanyAAAPremium$45MG Score out of 10087
7CompanyPrudentialPremium$45MG Score out of 10085
8CompanyState FarmPremium$58MG Score out of 10082
9CompanyHavenPremium$56MG Score out of 10082

Average Cost of Term Life Insurance in Sunnyvale, CA

The average monthly premium for term life insurance in Sunnyvale, 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 Sunnyvale might be higher or lower than in other parts of California for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Sunnyvale 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 Sunnyvale, CA

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

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.


sources