Best Life Insurance in Thousand Oaks, CA (September 2024)


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Updated: October 4, 2024

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Based on MoneyGeek scores, Protective is the best life insurance provider in Thousand Oaks, California, for both men and women. The MoneyGeek score for men is 92, with a monthly premium of $49. For women, the score is 91, with a monthly premium of $32.

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. 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 Thousand Oaks, 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 InsuranceThousand Oaks,
2024

Best Life Insurance Companies in Thousand Oaks

Overall Best Life Insurance in Thousand Oaks, CA

How was this MoneyGeek score calculated?

In Thousand Oaks, Protective offers the best life insurance for both men and women with a MoneyGeek score of 92 out of 100 at $49 per month for men and 91 out of 100 at $32 per month for women. This makes Protective the top choice for life insurance in Thousand Oaks.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $49 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $59 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $32 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $40 per month for women

Protective stands out due to its high MoneyGeek scores and competitive premiums. For the average individual looking to purchase life insurance in Thousand Oaks, Protective offers a balanced combination of affordability, customer satisfaction, and financial stability.

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MoneyGeek Top Pick
Protective

Protective stands out as the top choice for life insurance in Thousand Oaks, offering robust coverage for both men and women. With a MoneyGeek score of around 92 for both genders, Protective combines excellent customer satisfaction with affordability. Men can expect an average monthly premium of about $49, while women are quoted around $32.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Thousand Oaks, CA

How was this MoneyGeek score calculated?

The best term life insurance in Thousand Oaks for both men and women is provided by Protective, with a MoneyGeek score of 92 for men and for women. The average monthly premiums are approximately $25 for men and $18 for women. Protective stands out for its balance of affordability and customer satisfaction.

The top two term life insurance companies for men are:

  • 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

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $18 per month for women
  • Mutual of Omaha: MoneyGeek score of 87 out of 100 at $23 per month for women

Term life insurance is a policy where coverage is provided for a specific term, offering a death benefit if the insured passes away during that term. For example, a parent might purchase term insurance to ensure their child's education is funded in the event of their untimely death.

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MoneyGeek Top Pick
Protective

For men in Thousand Oaks seeking term life insurance, Protective stands out with a MoneyGeek score of 92 for both men and women. Protective offers a balance of affordability and quality service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Thousand Oaks, CA

How was this MoneyGeek score calculated?

For people seeking the best whole life insurance in Thousand Oaks, 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 Thousand Oaks:

  • 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 Thousand Oaks:

  • 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.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of whole life insurance for both men and women in Thousand Oaks, with a stellar MoneyGeek score of 92. This score reflects the company's commitment to offering quality insurance products that meet the needs of its diverse clientele.

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 Thousand Oaks, CA

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance for both men and women in the city of Thousand Oaks, 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 flexible 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.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for universal life insurance in Thousand Oaks, catering to both men and women. With a MoneyGeek score of 91 for each gender, Protective offers a reliable and satisfying insurance experience. The company's strengths lie in its high customer satisfaction and financial stability, ensuring peace of mind for policyholders.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best No-Medical-Exam Life Insurance in Thousand Oaks, CA

How was this MoneyGeek score calculated?

Protective stands out in Thousand Oaks as the best life insurance without a medical exam provider for 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 life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical exam.

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MoneyGeek Top Pick
Protective

Protective stands out for its commitment to customer satisfaction and affordable premiums for both men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Rigid buying process

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Thousand Oaks, CA

How was this MoneyGeek score calculated?

In Thousand Oaks, Protective stands out as the provider of the best term life insurance for seniors, boasting a MoneyGeek score of 91 for men and 90 for women. The monthly premium for men is $117, while for women the average premium is approximately $83.

Age is a primary factor in life insurance premiums, with costs typically increasing as policyholders age. This is due to the higher risk associated with insuring older individuals. Protective's high MoneyGeek score makes it the best term life insurance for seniors in this city.

Best Term Life Insurance for Seniors in Thousand Oaks
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$117MG Score out of 10091
2CompanyMutual of OmahaPremium$131MG Score out of 10091
3CompanyNationwidePremium$111MG Score out of 10090
4CompanyAllstatePremium$106MG Score out of 10089
5CompanyTransamericaPremium$107MG Score out of 10088
6CompanyAAAPremium$147MG Score out of 10088
7CompanyPrudentialPremium$113MG Score out of 10087
8CompanyState FarmPremium$172MG Score out of 10086
9CompanyHavenPremium$231MG Score out of 10082

Best Term Life Insurance for Smokers in Thousand Oaks, CA

How was this MoneyGeek score calculated?

For smokers in Thousand Oaks seeking term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women, and average monthly premiums of $126 and $99 respectively.

Mutual of Omaha's top scores reflect a strong balance between affordability, customer satisfaction, financial stability and product diversity, making it a leading choice for those in search of the best term life insurance for smokers. The company's performance in these areas is particularly relevant in a market where smoking can significantly impact life insurance costs.

Best Term Life Insurance for Smokers in Thousand Oaks
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$126MG Score out of 10090
2CompanyNationwidePremium$121MG Score out of 10089
3CompanyAAAPremium$131MG Score out of 10088
4CompanyPrudentialPremium$99MG Score out of 10088
5CompanyTransamericaPremium$117MG Score out of 10087
6CompanyProtectivePremium$205MG Score out of 10087
7CompanyHavenPremium$125MG Score out of 10086
8CompanyState FarmPremium$178MG Score out of 10084
9CompanyAllstatePremium$174MG Score out of 10084

Best Term Life Insurance for Young Adults in Thousand Oaks, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in Thousand Oaks, Protective stands out with a MoneyGeek score of 92. The average monthly premium is $15 for men and $11 for women.

Age plays a significant role in determining life insurance premiums. Younger adults generally pay lower premiums because they pose a lower risk to insurers. Protective's high MoneyGeek score is due to its strong customer satisfaction, financial stability and affordability.

Best Term Life Insurance for Young Adults in Thousand Oaks
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$15MG Score out of 10092
2CompanyMutual of OmahaPremium$18MG Score out of 10091
3CompanyNationwidePremium$18MG Score out of 10090
4CompanyAllstatePremium$15MG Score out of 10089
5CompanyTransamericaPremium$15MG Score out of 10088
6CompanyAAAPremium$20MG Score out of 10088
7CompanyPrudentialPremium$22MG Score out of 10085
8CompanyState FarmPremium$27MG Score out of 10085
9CompanyHavenPremium$24MG Score out of 10084
10CompanyBestowPremium$32MG Score out of 10083

Best Cheap Term Life Insurance in Thousand Oaks, CA

How was this MoneyGeek score calculated?

If you're searching for the best cheap term life insurance in Thousand Oaks, Protective stands out for both men and women with a MoneyGeek score of 92 and monthly premiums of $25 and $18, respectively.

The cost of life insurance premiums depends on various factors, including age, health rating, coverage amount, term length, and smoking status. To get the lowest premiums, maintain good health, choose appropriate coverage, avoid smoking and compare multiple quotes.

Protective has the highest MoneyGeek score due to its strong affordability, customer satisfaction, and financial stability. For anyone seeking the best cheap term life insurance in Thousand Oaks, Protective offers a balanced mix of cost-effectiveness and reliability, making it a top choice.

Best Cheap Term Life Insurance in Thousand Oaks
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$25MG Score out of 10092
2CompanyAllstatePremium$25MG Score out of 10091
3CompanyNationwidePremium$28MG Score out of 10091
4CompanyTransamericaPremium$25MG Score out of 10091
5CompanyMutual of OmahaPremium$30MG Score out of 10089
6CompanyAAAPremium$33MG Score out of 10087
7CompanyPrudentialPremium$33MG Score out of 10085
8CompanyState FarmPremium$43MG Score out of 10082
9CompanyHavenPremium$42MG Score out of 10082

Average Cost of Term Life Insurance in Thousand Oaks, CA

The average monthly premium for term life insurance in Thousand Oaks is $30 for women and $46 for men. These figures highlight a noticeable difference in costs based on gender.

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

The cost of life insurance in Thousand Oaks might be higher or lower compared to the rest of California due to various reasons. Local health statistics, the cost of living, and regional risk factors can all play a role. For instance, if Thousand Oaks has higher health care costs or a higher prevalence of certain health conditions, premiums may be higher. Conversely, a lower cost of living or fewer regional risks could result in lower premiums.

Understanding these factors can help consumers make informed decisions when purchasing life insurance. Being aware of why costs vary can also provide insights into how to potentially lower premiums.

FAQ About Life Insurance in Thousand Oaks, CA

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

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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