Best Life Insurance in Temecula, CA (September 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: October 4, 2024

Advertising & Editorial Disclosure

Protective is the best life insurance company in Temecula, California for both men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective stands out as the top choice. The monthly premium for men is $39 and for women is $25.

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, as 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 Temecula, 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 InsuranceTemecula, CA
2024

Best Life Insurance Companies in Temecula

Overall Best Life Insurance in Temecula, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Temecula for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $39 for men and $25 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $39 per month for men
  • Mutual of Omaha: MoneyGeek score of 91 out of 100 at $37 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $25 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $38 per month for women

Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Temecula.

mglogo
MoneyGeek Top Pick
Protective

For those seeking life insurance in Temecula, Protective emerges as the leading provider for both men and women. With an impressive MoneyGeek score of 91 for women and 92 for men, Protective offers a solid balance of affordability and reliability. Monthly premiums are reasonable, at $25 for women and $39 for men, reflecting the company's commitment to providing value.

Pros:

  • Exceptional customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Temecula, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance in Temecula, Protective stands out with a MoneyGeek score of 92 for men and an average premium of $20 per month and 92 for women with a premium of $14 per month. This company offers a balance of affordability, customer satisfaction and financial stability, making it a solid choice for the average individual.

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 $14 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $18 per month for women

Term life insurance is a policy where coverage is provided for a predetermined period. For example, a parent may choose term insurance to ensure their child's educational expenses are covered in the event of their untimely death.

mglogo
MoneyGeek Top Pick
Protective

With a MoneyGeek score of 92, Protective stands out as the premier option for term life insurance for men in Temecula. The company offers a monthly premium of approximately $20 for men and $14 for women, making it not only highly rated but also affordable.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Temecula, CA

How was this MoneyGeek score calculated?

For people seeking the best whole life insurance in Temecula Protective is the top choice for both men and women, with a MoneyGeek score of 92 out of 100. This score reflects Protective's commitment to affordability, customer satisfaction and financial stability.

Top whole life companies for men in Temecula:

  • 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 Temecula:

  • 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. Unlike term life insurance, which only covers a specific period, whole life insurance includes an investment component that can grow over time.

mglogo
MoneyGeek Top Pick
Protective

In the search for the best whole life insurance in Temecula, Protective stands out as the premier choice for both men and women. With a MoneyGeek score of 92 for each group, Protective assures reliable coverage backed by exceptional customer satisfaction and financial stability. Here are the key considerations for choosing Protective as your insurance provider:

Pros:

  • High customer approval
  • Strong value for cost
  • Solid 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.

widget-location-pin
Insurance Rates

Best Universal Life Insurance in Temecula, CA

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance for both men and women in Temecula, with a MoneyGeek score of 91 out of 100. This score indicates that Protective stands out in terms of affordability, customer satisfaction, the buying process 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 type of permanent life insurance that combines protection with savings. For example, someone might choose best universal life insurance over other types because it can offer a cash value that grows over time.

mglogo
MoneyGeek Top Pick
Protective

Protective emerges as the premier provider for universal life insurance in Temecula, catering to both men and women with a stellar MoneyGeek score of 91. Their commitment to customer satisfaction and financial stability places them at the forefront of insurance options.

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective stands out in Temecula as the best life insurance without a medical exam provider for both men and women, with a MoneyGeek score of 91.

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

This type of life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical exam.

mglogo
MoneyGeek Top Pick
Protective

In Temecula, Protective stands out as the premier choice for no-medical-exam life insurance for both men and women, with a MoneyGeek score of 91 for each. Their exceptional customer satisfaction and strong financial stability mark them as a reliable provider in the life insurance market. Here are the key advantages and considerations for Protective's offerings:

Pros:

  • High customer satisfaction
  • Strong financial stability

Cons:

  • Buying process could improve

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 Temecula, CA

How was this MoneyGeek score calculated?

In Temecula, Protective stands out as the provider of the best term life insurance for seniors, with a MoneyGeek score of 91 for men with an average monthly premium of $93, and a score of 90 for women with a monthly premium of $65.

Age is a determining factor in life insurance premiums, with costs typically rising as policyholders grow older. Protective's high MoneyGeek scores reflect its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity. For seniors in Temecula, these scores signify a balance of cost efficiency and reliable coverage.

Best Term Life Insurance for Seniors in Temecula
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$93MG Score out of 10091
2CompanyMutual of OmahaPremium$104MG Score out of 10091
3CompanyNationwidePremium$88MG Score out of 10090
4CompanyAllstatePremium$85MG Score out of 10089
5CompanyTransamericaPremium$86MG Score out of 10088
6CompanyAAAPremium$117MG Score out of 10088
7CompanyPrudentialPremium$90MG Score out of 10087
8CompanyState FarmPremium$137MG Score out of 10086
9CompanyHavenPremium$184MG Score out of 10082

Best Term Life Insurance for Smokers in Temecula, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for smokers. in Temecula, Mutual of Omaha stands out for both men and women. With a MoneyGeek score of 90 and a monthly premium of $101 for men, and a score of 89 with a $78 premium for women, this company offers competitive rates and reliable coverage.

Smoking is a critical factor in determining life insurance premiums due to the increased health risks it poses. Insurers often charge higher rates for smokers to offset these risks. Mutual of Omaha's high MoneyGeek scores reflect a strong balance of affordability, customer satisfaction, financial stability and product diversity.

Best Term Life Insurance for Smokers in Temecula
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$101MG Score out of 10090
2CompanyNationwidePremium$96MG Score out of 10089
3CompanyAAAPremium$104MG Score out of 10088
4CompanyPrudentialPremium$79MG Score out of 10088
5CompanyTransamericaPremium$93MG Score out of 10087
6CompanyProtectivePremium$163MG Score out of 10087
7CompanyHavenPremium$100MG Score out of 10086
8CompanyState FarmPremium$142MG Score out of 10084
9CompanyAllstatePremium$139MG Score out of 10084

Best Term Life Insurance for Young Adults in Temecula, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Temecula, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $8 for women and $12 for men. Age is a significant factor in determining life insurance premiums. Younger individuals typically pay lower premiums because they are generally healthier and have a longer life expectancy.

Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it a strong choice for young adults seeking term life insurance in Temecula.

Best Term Life Insurance for Young Adults in Temecula
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$12MG Score out of 10092
2CompanyMutual of OmahaPremium$15MG Score out of 10091
3CompanyNationwidePremium$14MG Score out of 10090
4CompanyAllstatePremium$12MG Score out of 10089
5CompanyTransamericaPremium$12MG Score out of 10088
6CompanyAAAPremium$16MG Score out of 10088
7CompanyPrudentialPremium$18MG Score out of 10085
8CompanyState FarmPremium$21MG Score out of 10085
9CompanyHavenPremium$19MG Score out of 10084
10CompanyBestowPremium$26MG Score out of 10083

Best Cheap Term Life Insurance in Temecula, CA

How was this MoneyGeek score calculated?

For those seeking the best cheap term life insurance in Temecula, Protective stands out for both men and women with a MoneyGeek Score of 92 and average monthly premiums of $14 for women and $20 for men.

Several factors influence 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 term length and coverage amount that suits your needs.

Protective's high MoneyGeek score reflects its excellent affordability, customer satisfaction, and financial stability. These factors are crucial for anyone looking for the best cheap term life insurance in Temecula. Understanding these elements can help you make an informed decision and secure the most cost-effective coverage.

Best Cheap Term Life Insurance in Temecula
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$34MG Score out of 10082
9CompanyHavenPremium$33MG Score out of 10082

Average Cost of Term Life Insurance in Temecula, CA

The average monthly cost of term life insurance in Temecula is $24 for women and $37 for men. These figures are rounded to the nearest whole number.

Several factors affect the cost of life insurance premiums. Age, health, lifestyle, occupation and the amount of coverage all play a role in determining rates. For instance, younger and healthier individuals typically pay lower premiums. Occupations with higher risk levels may lead to higher insurance costs.

Due to local health statistics, economic factors, and regional risk factors, the cost of life insurance in Temecula might be higher or lower than in the rest of California. For example, if the area has higher average health risks or a more expensive health care system, premiums might be higher. Conversely, a healthier population or lower health care costs could result in lower premiums.

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

FAQ About Life Insurance in Temecula, CA

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

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