Best Life Insurance in West Covina, CA (September 2024)


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Updated: October 4, 2024

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In West Covina, California, the best life insurance provider for both men and women is Protective. For women, Protective has a MoneyGeek score of 91 and a monthly premium of $25. For men, Protective has a MoneyGeek score of 92 and a monthly premium of $28.

When deciding on life insurance, consider different factors such as age, health, and coverage 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 West Covina, 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 InsuranceWest Covina, CA
2024

Best Life Insurance Companies in West Covina

Overall Best Life Insurance in West Covina, CA

How was this MoneyGeek score calculated?

Protective is the best life insurance provider in West Covina for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $28 for men and $25 for women.

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 offers the best combination of affordability, customer satisfaction, and financial stability, making it a solid choice for individuals seeking life insurance in West Covina.

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MoneyGeek Top Pick
Protective

In West Covina, Protective stands out as the premier choice for life insurance for both men and women. With an impressive MoneyGeek score of 91 for women and 92 for men, Protective offers a monthly premium of $26 for women and $28 for men.

Pros:

  • High customer satisfaction
  • Competitive pricing
  • Strong financial stability

Cons:

  • Buying process could improve

Best Term Life Insurance in West Covina, CA

How was this MoneyGeek score calculated?

Protective is the best term life insurance provider in West Covina for both men and women, boasting a MoneyGeek score of 92 for both, with a monthly premium of $14. Best term life insurance options are crucial for financial planning and security. Protective's scores indicate its commitment to providing value and service excellence to its policyholders.

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 89 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 87 out of 100 at $18 per month for women

Term life insurance offers coverage for a specified period, making it a suitable option for those needing temporary financial protection. For instance, a parent may choose term life insurance to ensure their child's education expenses are covered until graduation.

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MoneyGeek Top Pick
Protective

Protective stands out as the best term life insurance provider for women and men in West Covina, boasting a MoneyGeek score of 92. The company offers a monthly premium of just $14, making it an affordable choice without compromising on quality and customer satisfaction.

Pros:

  • High customer contentment
  • Noteworthy affordability
  • Reliable financial stability

Cons:

  • Buying process needs improvement

Best Whole Life Insurance in West Covina, CA

How was this MoneyGeek score calculated?

For individuals seeking the best whole life insurance in West Covina, Protective stands out as the top choice for both men and women, with a MoneyGeek score of 92 out of 100.

Top whole life companies for men in West Covina:

  • 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 West Covina:

  • 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; it 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 your funds over time.

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MoneyGeek Top Pick
Protective

For those in West Covina seeking reliable whole life insurance, Protective emerges as the top choice for both men and women, boasting MoneyGeek scores of 92. This reflects a strong alignment with consumer needs and financial security expectations. Here are the key considerations for Protective's whole life insurance offerings:

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Subpar buying process

With these points in mind, Protective stands out for its commitment to customer contentment and economic value, despite the less streamlined purchasing experience.

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 West Covina, CA

How was this MoneyGeek score calculated?

Protective is the top provider in West Covina, 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

In the search for the best universal life insurance in West Covina, Protective emerges as the leading provider for both men and women, boasting MoneyGeek scores of 91 for each group. This top ranking reflects the company's commitment to excellence across multiple dimensions of service and value. Here are the key advantages and drawbacks of choosing Protective for your insurance needs.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Limited product diversity
  • Buying process could improve

Best No-Medical-Exam Life Insurance in West Covina, CA

How was this MoneyGeek score calculated?

Protective stands out as the best life insurance without a medical exam provider in West Covina 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

In West Covina, Protective stands out as the top provider of no-medical-exam life insurance for both men and women, boasting a MoneyGeek score of 91 for each. This high score reflects a commitment to customer satisfaction and value, ensuring policyholders receive excellent service without undergoing a medical exam.

Pros:

  • High customer satisfaction
  • Strong affordability
  • Solid financial stability

Cons:

  • Buying process needs improvement

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Best Term Life Insurance for Seniors in West Covina, CA

How was this MoneyGeek score calculated?

For the best term life insurance for seniors in West Covina, both men and women find Protective the top provider, earning a MoneyGeek score of 91 for men and 90 for women. The average monthly premium with Protective is $67 for men and $64 for women.

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

Best Term Life Insurance for Seniors in West Covina
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyProtectivePremium$67MG Score out of 10091
2CompanyMutual of OmahaPremium$75MG Score out of 10091
3CompanyNationwidePremium$64MG Score out of 10090
4CompanyAllstatePremium$61MG Score out of 10089
5CompanyTransamericaPremium$62MG Score out of 10088
6CompanyAAAPremium$84MG Score out of 10088
7CompanyPrudentialPremium$65MG Score out of 10087
8CompanyState FarmPremium$99MG Score out of 10086
9CompanyHavenPremium$133MG Score out of 10082

Best Term Life Insurance for Smokers in West Covina, CA

How was this MoneyGeek score calculated?

For people in West Covina 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 $72 for men and $77 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 West Covina
Data filtered by:Results filtered by:
gender:
gender:M
1CompanyMutual of OmahaPremium$72MG Score out of 10090
2CompanyNationwidePremium$69MG Score out of 10089
3CompanyAAAPremium$75MG Score out of 10088
4CompanyPrudentialPremium$57MG Score out of 10088
5CompanyTransamericaPremium$67MG Score out of 10087
6CompanyProtectivePremium$118MG Score out of 10087
7CompanyHavenPremium$72MG Score out of 10086
8CompanyState FarmPremium$102MG Score out of 10084
9CompanyAllstatePremium$100MG Score out of 10084

Best Term Life Insurance for Young Adults in West Covina, CA

How was this MoneyGeek score calculated?

For the best term life insurance for young adults in West Covina, Protective stands out for both men and women. With a MoneyGeek score of 92 and monthly premiums of $9 for men and $8 for women, Protective offers a balanced blend of affordability and quality.

Finding the best term life insurance for young adults can be crucial in securing financial protection early in life. Age plays a significant role in determining life insurance premiums. Younger adults typically benefit from lower premiums due to their lower risk profiles

Best Term Life Insurance for Young Adults in West Covina
Data filtered by:Results filtered by:
Sex:
Sex:M
1CompanyProtectivePremium$9MG Score out of 10092
2CompanyMutual of OmahaPremium$11MG 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$14MG Score out of 10084
10CompanyBestowPremium$19MG Score out of 10083

Best Cheap Term Life Insurance in West Covina, CA

How was this MoneyGeek score calculated?

In West Covina, the best cheap term life insurance is offered by Protective with a MoneyGeek score of 92 and a monthly premium of $14. This makes Protective the top choice for both men and women seeking affordable coverage. Factors affecting life insurance premiums include age, health, coverage amount, term length, and tobacco use.

To secure the lowest premiums, individuals should maintain good health, choose a shorter term length, and avoid tobacco products. For anyone looking for the best cheap term life insurance in West Covina, Protective offers a balanced combination of affordability and reliability.

Best Cheap Term Life Insurance in West Covina
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$25MG Score out of 10082
9CompanyHavenPremium$24MG Score out of 10082

Average Cost of Term Life Insurance in West Covina, CA

The average monthly premium for term life insurance in West Covina is $23 for women and $27 for men.

Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, and the amount of coverage chosen. Insurers assess these factors to determine the risk level and set the premium accordingly.

The cost of life insurance in West Covina might be higher or lower compared to the rest of California due to various reasons. Local economic conditions, such as the cost of living and average income levels, can influence insurance rates. Demographic factors, including the age and health profile of the population, also play a role. Additionally, regional insurance regulations and the competitive landscape among insurers can impact premium costs.

Understanding these factors can help you make informed decisions when purchasing life insurance. Always consider your personal circumstances and compare different options to find the best coverage for your needs.

FAQ About Life Insurance in West Covina, CA

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

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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