Best Life Insurance in Visalia, CA (September 2024)


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Updated: October 4, 2024

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If you're looking for the best life insurance in Visalia, California, Protective tops the list for both men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective offers reliable coverage. The average monthly premium is $25 for women and $28 for men. These scores and premiums are based on a 20-year term policy with $500,000 coverage. Your unique needs may mean a different company is best for you.

When deciding on life insurance, consider factors like coverage amount, term length and your personal health. Protective's high scores indicate strong customer satisfaction and financial stability, making it a solid choice.

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 Visalia, 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 InsuranceVisalia, CA
2024

Best Life Insurance Companies in Visalia

Overall Best Life Insurance in Visalia, CA

How was this MoneyGeek score calculated?

In Visalia, Protective offers the best life insurance for both men and women with a MoneyGeek score of 92 for men at $28 per month and 91 for women at $25 per month.

Top providers for men:

  • Protective: MoneyGeek score of 92 out of 100 at $28 per month for men
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $34 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 $31 per month for women

Protective stands out as the best choice for life insurance in Visalia due to its high ratings and affordability. With top MoneyGeek scores for both genders and competitive monthly premiums, it offers a balanced option for individuals seeking comprehensive life insurance coverage.

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MoneyGeek Top Pick
Protective

In Visalia, Protective stands out as the top choice for life insurance for both men and women, with a MoneyGeek score of 91 for women and 92 for men. With monthly premiums at an affordable $25 for women and $28 for men, Protective offers a balance of value and reliability. Here's a closer look at what makes Protective a strong option:

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Visalia, CA

How was this MoneyGeek score calculated?

In Visalia, Protective offers the best term life insurance. It has the highest MoneyGeek score of 92 for both men and women. The average monthly premium is approximately $14, offering a balance of affordability and quality coverage. Protective's top ranking indicates it could be a reliable choice for the average individual in Visalia looking to secure their financial future with term life insurance.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $14 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $17 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 provides coverage for a predetermined period, offering a death benefit to beneficiaries should the policyholder pass away within this term. It's often selected for its lower premiums compared to permanent life insurance and can be ideal for those with temporary financial obligations, such as a mortgage or children's education expenses.

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MoneyGeek Top Pick
Protective

Protective stands out as the premier choice for term life insurance in Visalia for men and women. With a MoneyGeek score of 92 and an average monthly premium of $14, it is affordable. This high score reflects the company's commitment to excellence in several critical areas, making it a top contender in the insurance marketplace.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Visalia, CA

How was this MoneyGeek score calculated?

For people seeking the best whole life insurance in Visalia, 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 Visalia:

  • 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 Visalia:

  • 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

In Visalia, Protective stands out as the premier provider for whole life insurance, earning the top MoneyGeek score of 92 for both men and women. This score reflects the company's commitment to customer satisfaction and value, underpinned by robust financial stability. Consumers seeking dependable coverage can consider Protective as a leading option.

Pros:

  • High customer satisfaction
  • Superior affordability
  • Strong 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 Visalia, CA

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance for both men and women in Visalia, 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

In Visalia, Protective stands out as the premier choice for universal life insurance for both men and women, with a MoneyGeek score of 91 for each. This top ranking reflects the company's commitment to excellence across multiple facets of service and value. Consumers can trust in Protective's offerings, knowing they are backed by robust customer satisfaction and financial stability.

Pros:

  • High customer approval
  • Strong financial foundation

Cons:

  • Buying process complexity

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

How was this MoneyGeek score calculated?

Protective stands out in Visalia 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 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 leading provider of no-medical-exam life insurance in Visalia for both men and women, boasting a MoneyGeek score of 91 for each. Recognized for their excellence, Protective offers reliable coverage options that cater to the needs of diverse clients without compromising on customer satisfaction or financial stability.

Pros:

  • High customer satisfaction
  • Strong financial stability
  • Excellent affordability

Cons:

  • Buying process could improve

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Best Term Life Insurance for Seniors in Visalia, CA

How was this MoneyGeek score calculated?

For seniors in Visalia seeking the best term life insurance for seniors, Protective stands out with the highest MoneyGeek score of 91 for men and 90 for women. Men can expect an average monthly premium of $67, while women are quoted at $64.

Age influences life insurance premiums, as the risk of a claim grows with the policyholder's age, often leading to higher costs for older individuals. Protective's leading score reflects its commitment to customer satisfaction, a smooth buying process, financial stability and a diverse product offering.

Best Term Life Insurance for Seniors in Visalia
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$67MG Score out of 10091
2CompanyMutual of OmahaPremium$75MG Score out of 10091
3CompanyNationwidePremium$63MG Score out of 10090
4CompanyAllstatePremium$60MG Score out of 10089
5CompanyTransamericaPremium$61MG Score out of 10088
6CompanyAAAPremium$84MG Score out of 10088
7CompanyPrudentialPremium$64MG Score out of 10087
8CompanyState FarmPremium$98MG Score out of 10086
9CompanyHavenPremium$132MG Score out of 10082

Best Term Life Insurance for Smokers in Visalia, CA

How was this MoneyGeek score calculated?

For smokers in Visalia seeking term life insurance, Mutual of Omaha stands out with the highest MoneyGeek scores for both men and women. Men receive a score of 90 and an average monthly premium of $72, while women receive a score of 89 with a monthly premium of $77.

Smoking significantly impacts life insurance premiums due to the increased health risks associated with tobacco use. Insurers typically charge smokers higher rates to account for these risks. Mutual of Omaha achieves top marks for its blend of affordability, customer satisfaction, financial stability and product diversity. These factors contribute to its reputation as the provider of the best term life insurance for smokers.

Best Term Life Insurance for Smokers in Visalia
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$72MG Score out of 10090
2CompanyNationwidePremium$69MG Score out of 10089
3CompanyAAAPremium$74MG Score out of 10088
4CompanyPrudentialPremium$56MG Score out of 10088
5CompanyTransamericaPremium$66MG Score out of 10087
6CompanyProtectivePremium$117MG Score out of 10087
7CompanyHavenPremium$71MG Score out of 10086
8CompanyState FarmPremium$101MG Score out of 10084
9CompanyAllstatePremium$99MG Score out of 10084

Best Term Life Insurance for Young Adults in Visalia, CA

How was this MoneyGeek score calculated?

In Visalia, the best term life insurance for young adults is offered by Protective with a MoneyGeek score of 92 and an average monthly premium of $8 for women and $9 for men. Age significantly affects life insurance premiums.

Younger individuals generally pay lower premiums because they are considered lower risk. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability. For young adults in Visalia, choosing Protective means getting a reliable and cost-effective policy.

Best Term Life Insurance for Young Adults in Visalia
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$9MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$10MG 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$15MG Score out of 10085
9CompanyHavenPremium$13MG Score out of 10084
10CompanyBestowPremium$18MG Score out of 10083

Best Cheap Term Life Insurance in Visalia, CA

How was this MoneyGeek score calculated?

In Visalia, Protective offers the best cheap term life insurance for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $14.

Life insurance premiums are influenced by factors such as age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, avoid tobacco and opt for a shorter term or lower coverage amount if it meets your needs.

Protective's high MoneyGeek score reflects its strong customer satisfaction, financial stability, and affordability. For those seeking the best cheap term life insurance in Visalia, Protective stands out as a reliable and cost-effective choice.

Best Cheap Term Life Insurance in Visalia
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$14MG Score out of 10092
2CompanyAllstatePremium$14MG Score out of 10091
3CompanyNationwidePremium$16MG Score out of 10091
4CompanyTransamericaPremium$14MG Score out of 10091
5CompanyMutual of OmahaPremium$17MG Score out of 10089
6CompanyAAAPremium$19MG Score out of 10087
7CompanyPrudentialPremium$19MG Score out of 10085
8CompanyState FarmPremium$24MG Score out of 10082
9CompanyHavenPremium$24MG Score out of 10082

Average Cost of Term Life Insurance in Visalia, CA

The average monthly premium for term life insurance in Visalia is $23 for women and $26 for men.

Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, and the amount of coverage. For example, younger individuals and those in good health typically pay lower premiums. Lifestyle choices, such as smoking or engaging in high-risk activities, can increase costs.

Visalia's life insurance premiums may differ from the rest of California for various reasons. Regional health statistics can impact rates, as areas with higher average health risks may see higher premiums. Economic conditions and local insurance market dynamics also play a role. In some regions, competition among insurers can drive prices down, while in others, less competition can lead to higher costs.

By considering personal health, lifestyle and regional factors, individuals can better navigate the complexities of life insurance premiums.

FAQ About Life Insurance in Visalia, CA

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

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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