Best Life Insurance in Vallejo, CA (September 2024)


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Updated: October 4, 2024

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In Vallejo, California, Protective is the best life insurance company for both men and women, according to MoneyGeek scores. The MoneyGeek score for men is 92, with a monthly premium of $29. For women, the score is 91, with a monthly premium of $27.

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 what 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 Vallejo, 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 InsuranceVallejo, CA
2024

Best Life Insurance Companies in Vallejo

Overall Best Life Insurance in Vallejo, CA

How was this MoneyGeek score calculated?

In Vallejo, the best life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $29 for men and $27 for women.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $29 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $36 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $27 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $33 per month for women

Protective stands out due to its high MoneyGeek scores and competitive premiums. This makes it a reliable choice for the average individual looking to purchase life insurance in Vallejo.

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MoneyGeek Top Pick
Protective

In Vallejo, Protective stands out as the best life insurance provider for both men and women, boasting MoneyGeek scores of 92 and 91, respectively. With monthly premiums at an affordable $29 for men and $27 for women, Protective offers a balanced combination of value and reliability. As consumers seek a trustworthy option for their life insurance needs, Protective's high scores in customer satisfaction and financial stability make it a compelling choice.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Vallejo, CA

How was this MoneyGeek score calculated?

For individuals in Vallejo, Protective stands out with the best term life insurance for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $15. This company stands out for its affordability and high customer satisfaction, making it an optimal choice for those prioritizing financial stability and product diversity in their insurance selection.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $18 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $15 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $19 per month for women

Term life insurance offers a straightforward protection plan for a specific period, suitable for those needing temporary coverage, like securing a child's education expenses in case of an untimely death.

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MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of term life insurance for men and women in Vallejo, boasting a MoneyGeek score of 92. With an average monthly premium of $15 for both women and men, this company offers an attractive combination of price and quality.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Vallejo, CA

How was this MoneyGeek score calculated?

For people seeking the best whole life insurance in Vallejo, Protective stands out as 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 Vallejo:

  • 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 Vallejo:

  • 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 in Vallejo for both men and women, with an impressive MoneyGeek score of 92 for each. The company's commitment to customer satisfaction and financial strength positions it as a reliable choice for insurance seekers.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Reliable 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 Vallejo, CA

How was this MoneyGeek score calculated?

Protective is the top provider in Vallejo, with the best universal life insurance for both men and women, 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 emerges as the top choice for universal life insurance in Vallejo, catering to both men and women with an outstanding MoneyGeek score of 91. This score reflects the company's commitment to excellence across various facets of its service.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

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

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 emerges as the premier provider of life insurance without a mandatory medical exam in Vallejo, garnering the highest MoneyGeek scores for both men and women, at 91 each. This ranking indicates a robust offering that caters comprehensively to the insurance needs of Vallejo's residents.

Pros:

  • High customer satisfaction
  • Notable affordability
  • Solid financial stability

Cons:

  • Buying process could improve

How Much Life Insurance Do You Need?

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Best Term Life Insurance for Seniors in Vallejo, CA

How was this MoneyGeek score calculated?

For the best term life insurance for seniors in Vallejo, men and women find Protective at the top, earning a MoneyGeek score of 91 for men and 90 for women. The average monthly premium with Protective is $71 for men and $69 for women.

Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.

Best Term Life Insurance for Seniors in Vallejo
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$71MG Score out of 10091
2CompanyMutual of OmahaPremium$79MG Score out of 10091
3CompanyNationwidePremium$67MG Score out of 10090
4CompanyAllstatePremium$64MG Score out of 10089
5CompanyTransamericaPremium$65MG Score out of 10088
6CompanyAAAPremium$89MG Score out of 10088
7CompanyPrudentialPremium$68MG Score out of 10087
8CompanyState FarmPremium$104MG Score out of 10086
9CompanyHavenPremium$140MG Score out of 10082

Best Term Life Insurance for Smokers in Vallejo, CA

How was this MoneyGeek score calculated?

For both men and women in Vallejo seeking the best life insurance for smokers, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. The monthly premiums are an estimated $76 for men and $82 for women. Smoking is a factor in life insurance because it increases health risks, leading to higher premiums. With top scores in customer satisfaction and financial stability,

Best Term Life Insurance for Smokers in Vallejo
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$76MG Score out of 10090
2CompanyNationwidePremium$73MG Score out of 10089
3CompanyAAAPremium$79MG Score out of 10088
4CompanyPrudentialPremium$60MG Score out of 10088
5CompanyTransamericaPremium$70MG Score out of 10087
6CompanyProtectivePremium$124MG Score out of 10087
7CompanyHavenPremium$76MG Score out of 10086
8CompanyState FarmPremium$107MG Score out of 10084
9CompanyAllstatePremium$105MG Score out of 10084

Best Term Life Insurance for Young Adults in Vallejo, CA

How was this MoneyGeek score calculated?

For those seeking the best term life insurance for young adults in Vallejo, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $9. This rating applies to both men and women. Age plays a significant role in determining life insurance premiums.

Younger adults typically enjoy lower rates due to better health and lower risk factors. For young adults in Vallejo, finding the best term life insurance for young adults involves considering these factors to ensure they receive the best value for their investment.

Best Term Life Insurance for Young Adults in Vallejo
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$9MG Score out of 10092
2CompanyMutual of OmahaPremium$11MG Score out of 10091
3CompanyNationwidePremium$11MG Score out of 10090
4CompanyAllstatePremium$9MG Score out of 10089
5CompanyTransamericaPremium$9MG Score out of 10088
6CompanyAAAPremium$12MG Score out of 10088
7CompanyPrudentialPremium$13MG Score out of 10085
8CompanyState FarmPremium$16MG Score out of 10085
9CompanyHavenPremium$14MG Score out of 10084
10CompanyBestowPremium$20MG Score out of 10083

Best Cheap Term Life Insurance in Vallejo, CA

How was this MoneyGeek score calculated?

In Vallejo, the best cheap term life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 and a monthly premium of $15.

Factors affecting life insurance premiums include 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.

Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability, and financial stability. For those seeking the best cheap term life insurance in Vallejo, Protective offers an excellent balance of cost and quality.

Best Cheap Term Life Insurance in Vallejo
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$15MG Score out of 10092
2CompanyAllstatePremium$15MG Score out of 10091
3CompanyNationwidePremium$17MG Score out of 10091
4CompanyTransamericaPremium$15MG Score out of 10091
5CompanyMutual of OmahaPremium$18MG Score out of 10089
6CompanyAAAPremium$20MG Score out of 10087
7CompanyPrudentialPremium$20MG Score out of 10085
8CompanyState FarmPremium$26MG Score out of 10082
9CompanyHavenPremium$25MG Score out of 10082

Average Cost of Term Life Insurance in Vallejo, CA

The average monthly premium for term life insurance in Vallejo is $25 for women and $28 for men. Many factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, and the amount of coverage chosen.

In Vallejo, the cost of life insurance might be higher or lower compared to other parts of California due to regional health statistics, cost of living, and local insurance market competition. Understanding these factors can help consumers make informed decisions about their life insurance needs.

FAQ About Life Insurance in Vallejo, CA

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

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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