Best Life Insurance in Vista, CA (September 2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: October 4, 2024

Advertising & Editorial Disclosure

Based on MoneyGeek scores, Protective is the best life insurance provider in Vista, California, for both men and women. For women, the MoneyGeek score is 91 with a monthly premium of $23. For men, the MoneyGeek score is 92 with a monthly premium of $25.

When deciding on life insurance, consider various factors such as cost, coverage, and individual needs. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Vista, 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 InsuranceVista, CA
2024

Best Life Insurance Companies in Vista

Overall Best Life Insurance in Vista, CA

How was this MoneyGeek score calculated?

Protective offers the best life insurance in Vista for both men and women, with a MoneyGeek score of 92 and 91 respectively, and average monthly premiums of $25 and $23. Protective stands out for its affordability and customer satisfaction, making it an excellent choice for the average individual in Vista looking to purchase life insurance.

Top providers for men:

  • 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 $31 per month for men

Top providers for women:

  • Protective: MoneyGeek score of 91 out of 100 at $23 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $28 per month for women

Protective offers a blend of affordability and high customer satisfaction, making it the best option for those seeking life insurance in Vista. With competitive monthly premiums and strong MoneyGeek scores, Protective is well-suited to meet the needs of both men and women.

mglogo
MoneyGeek Top Pick
Protective

Protective stands out as the top choice for life insurance in Vista, catering to both men and women. With an exceptional MoneyGeek score of 92 for women and 92 for men, Protective offers a monthly premium of $23 for women and $25 for men. These figures reflect a commitment to affordability and customer satisfaction.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Solid financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in Vista, CA

How was this MoneyGeek score calculated?

The Protective company stands out as the provider of the best term life insurance in Vista, with a MoneyGeek score of 92 and an average monthly premium of $13 for men and $12 for women. Protective offers an appealing balance of affordability, customer satisfaction and financial stability.

The top two term life insurance companies for men are:

  • Protective: MoneyGeek score of 92 out of 100 at $13 per month for men
  • Mutual of Omaha: MoneyGeek score of 90 out of 100 at $16 per month for men

For women, the top two are:

  • Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
  • Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month for women

Term life insurance is a straightforward protection plan that pays out if the insured person dies within a specified term. It's a suitable option for those who want to secure financial stability for their dependents without committing to a permanent life insurance policy.

mglogo
MoneyGeek Top Pick
Protective

In Vista, men and women seeking reliable term life insurance should consider Protective, which has a MoneyGeek score of 92. With a monthly premium of $13 for men and $12 for women.

Pros:

  • High customer satisfaction
  • Excellent affordability
  • Strong financial stability

Cons:

  • Buying process could improve

Best Whole Life Insurance in Vista, CA

How was this MoneyGeek score calculated?

The Protective emerges as the top provider of the best whole life insurance in the city of Vista for both men and women, with a MoneyGeek score of 92 for each. This score indicates that Protective offers a dependable option for those seeking financial security through life insurance.

Top whole life companies for men in Vista:

  • 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 Vista:

  • 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 provides a fixed premium and a guaranteed death benefit, making it a reliable choice for long-term financial planning. For instance, someone looking to secure a stable financial future for their family, regardless of market conditions, might choose whole life insurance over term policies.

mglogo
MoneyGeek Top Pick
Protective

For both men and women in Vista, Protective stands out as the premier choice for whole life insurance, having an impressive MoneyGeek score of 92. This score reflects a combination of affordability, customer satisfaction, and financial stability.

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.

widget-location-pin
Insurance Rates

Best Universal Life Insurance in Vista, CA

How was this MoneyGeek score calculated?

Protective offers the best universal life insurance in Vista, with a MoneyGeek score of 91 for both men and women.

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 a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for universal insurance over more rigid policies.

mglogo
MoneyGeek Top Pick
Protective

Protective emerges as the leading provider of universal life insurance in Vista for both men and women, boasting an impressive MoneyGeek score of 91 for each. The company's exceptional ratings reflect a strong commitment to customer satisfaction and financial resilience.

Pros:

  • High customer contentment
  • Strong financial foundation

Cons:

  • Buying process could improve

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

How was this MoneyGeek score calculated?

Protective is the best life insurance without a medical exam provider in Vista for both men and women, with a MoneyGeek score of 91 out of 100. This score reflects the company's strong performance across various metrics, including affordability, customer satisfaction, and financial stability.

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 without undergoing a physical examination. For example, someone with a busy schedule or a dislike of medical appointments might choose this insurance over traditional policies for its convenience and speed in obtaining coverage.

mglogo
MoneyGeek Top Pick
Protective

Protective emerges as the premier choice for no-medical-exam life insurance in Vista, boasting a MoneyGeek Score of 91 for both men and women. This score reflects the company's commitment to excellence across key metrics, ensuring policyholders receive quality service and value. Here are the pros and cons for Protective based on the specified criteria:

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid 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 Vista, CA

How was this MoneyGeek score calculated?

Protective stands out as the provider of the best term life insurance for seniors in Vista, with a MoneyGeek score of 91 for men and 90 for women. Men can expect an average monthly premium of $61, while women are quoted at $58.

Age influences life insurance premiums, with older individuals typically paying more due to increased risk. Protective's top MoneyGeek score reflects its excellence in customer satisfaction, financial stability, and product diversity, making it an optimal choice for seniors seeking reliable coverage.

Best Term Life Insurance for Seniors in Vista
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$61MG Score out of 10091
2CompanyMutual of OmahaPremium$69MG Score out of 10091
3CompanyNationwidePremium$58MG Score out of 10090
4CompanyAllstatePremium$55MG Score out of 10089
5CompanyTransamericaPremium$56MG Score out of 10088
6CompanyAAAPremium$77MG Score out of 10088
7CompanyPrudentialPremium$59MG Score out of 10087
8CompanyState FarmPremium$90MG Score out of 10086
9CompanyHavenPremium$121MG Score out of 10082

Best Term Life Insurance for Smokers in Vista, CA

How was this MoneyGeek score calculated?

For smokers in Vista 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 with an average monthly premium of $66, while women score 89 with a $69 premium. Smokers face higher premiums because insurers view them as higher risk, which can lead to increased health-related claims.

Mutual of Omaha's top scores reflect their balance of cost, customer satisfaction, and financial stability, making them a solid choice for those searching for the best term life insurance for smokers. This information is crucial for individuals prioritizing a reputable insurer that offers competitive rates for smokers.

Best Term Life Insurance for Smokers in Vista
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$66MG Score out of 10090
2CompanyNationwidePremium$63MG Score out of 10089
3CompanyAAAPremium$68MG Score out of 10088
4CompanyPrudentialPremium$52MG Score out of 10088
5CompanyTransamericaPremium$61MG Score out of 10087
6CompanyProtectivePremium$107MG Score out of 10087
7CompanyHavenPremium$66MG Score out of 10086
8CompanyState FarmPremium$93MG Score out of 10084
9CompanyAllstatePremium$91MG Score out of 10084

Best Term Life Insurance for Young Adults in Vista, CA

How was this MoneyGeek score calculated?

For young adults in Vista, Protective is the winner. It earns a MoneyGeek score of 92 and offers average monthly premiums of $7 for women and $8 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.

Best Term Life Insurance for Young Adults in Vista
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$8MG Score out of 10092
2CompanyMutual of OmahaPremium$10MG Score out of 10091
3CompanyNationwidePremium$9MG Score out of 10090
4CompanyAllstatePremium$8MG Score out of 10089
5CompanyTransamericaPremium$8MG Score out of 10088
6CompanyAAAPremium$11MG Score out of 10088
7CompanyPrudentialPremium$12MG Score out of 10085
8CompanyState FarmPremium$14MG Score out of 10085
9CompanyHavenPremium$12MG Score out of 10084
10CompanyBestowPremium$17MG Score out of 10083

Best Cheap Term Life Insurance in Vista, CA

How was this MoneyGeek score calculated?

For the best cheap term life insurance in Vista, Protective tops the list for men with a MoneyGeek score of 92 and an average monthly premium of $13. For women, Protective is also the leading provider, with a MoneyGeek score of 92 and a monthly premium of $12.

Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.

Best Cheap Term Life Insurance in Vista
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$13MG Score out of 10092
2CompanyAllstatePremium$13MG Score out of 10091
3CompanyNationwidePremium$15MG Score out of 10091
4CompanyTransamericaPremium$13MG Score out of 10091
5CompanyMutual of OmahaPremium$16MG Score out of 10089
6CompanyAAAPremium$18MG Score out of 10087
7CompanyPrudentialPremium$17MG Score out of 10085
8CompanyState FarmPremium$22MG Score out of 10082
9CompanyHavenPremium$22MG Score out of 10082

Average Cost of Term Life Insurance in Vista, CA

The average monthly premium for term life insurance in Vista, California, is $29 for women and $33 for men. Knowing these rates can help consumers 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 Vista might be higher or lower compared to other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Vista 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 Vista, CA

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

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