Best Life Insurance in Rancho Cucamonga, CA (September 2024)
Updated: October 23, 2024
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Protective is the best life insurance company in Rancho Cucamonga, California, for men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average premium of $29 per month.
Different factors influence life insurance decisions, and 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 Rancho Cucamonga, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceRancho CucamongBest Life Insurance Companies in Rancho Cucamonga
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the overall best life insurance companies:
This was done using the average profile with a 20-year term policy and $500K coverage.
In Rancho Cucamonga, Protective offers the best life insurance for men and women with a MoneyGeek score of 92 and a monthly premium of $35 for men, and a score of 91 with a monthly premium of $29 for women.
The top providers for men are:
The top providers for women are:
Protective is the best choice for an average individual looking to purchase life insurance in Rancho Cucamonga due to its high MoneyGeek scores and affordable premiums. The company provides a balanced mix of affordability, customer satisfaction and financial stability.
Protective stands out as the premier choice for life insurance in Rancho Cucamonga, catering to men and women with exceptional service. With a MoneyGeek Score of 66 for both, Protective offers a monthly premium of $35 for men and $29 for women. The company's dedication to customer satisfaction and affordability makes it a top pick.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
In Rancho Cucamonga, Protective stands out as the provider with the best term life insurance for men and women, with a MoneyGeek score of 92 for men and 92 for women. The monthly premiums are approximately $18 for men and $16 for women. This company's high scores indicate a strong combination of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Term life insurance is a straightforward protection plan that covers individuals for a specific time frame, offering a death benefit to beneficiaries if the insured passes away during the term. For example, a parent might choose term life insurance to ensure their child's education expenses are covered in the event of their untimely demise.
Protective stands out as the top choice for term life insurance in Rancho Cucamonga for women and men. With an impressive MoneyGeek score of 92 for both, Protective offers a monthly premium at an affordable $16 for women and $18 for men.
This company combines cost-effectiveness with high customer satisfaction and financial reliability, making it a preferred option for life insurance shoppers.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best whole life insurance companies:
We did not weigh affordability as we did not collect whole life insurance quotes. The company below has the highest score among the companies that offer whole life insurance policies based on a 20-year term at $500K coverage.
For those seeking the best whole life insurance in Rancho Cucamonga, Protective stands out with a MoneyGeek score of 91 for men and women. This score indicates that Protective offers a reliable and customer-friendly experience, with a strong emphasis on financial stability and product diversity.
The top providers for men are:
The top providers for women are:
Whole life insurance provides lifelong coverage and a cash value component, making it a solid option for long-term financial planning. For instance, a person might choose whole life insurance to ensure their family's financial stability no matter when they pass away, while also accumulating a cash value that can be borrowed against if needed.
Protective stands out as the premier choice for whole life insurance in Rancho Cucamonga for men and women, boasting a MoneyGeek score of 91 for each. This score reflects a balance of cost and quality that Protective offers to its policyholders.
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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.
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best universal life insurance companies:
We did not weigh affordability as we did not collect universal life insurance quotes. The company below has the highest score among the companies that offer universal life insurance policies, over a 10-year term for $250K coverage.
When searching for the best universal life insurance in Rancho Cucamonga, Protective stands out for men and women, with a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction,= financial stability and product diversity. The average individual will find Protective's offerings align well with their needs for comprehensive coverage and financial security.
The top providers for men are:
The top providers for women are:
Universal life insurance is a flexible policy that combines life coverage with an investment savings element. For instance, someone might choose universal life insurance for the potential to accumulate cash value that can be borrowed against, providing an additional financial resource during their lifetime.
Protective stands out as the premier choice for universal life insurance in Rancho Cucamonga, catering to men and women with a MoneyGeek score of 91. This score signifies a robust blend of customer satisfaction, affordability and financial stability, making Protective a reliable option for life insurance seekers in the area.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best life insurance companies that don't require a medical exam:
We did not weigh affordability as we did not collect any insurance quotes for this category. The company below has the highest score among the companies that offer life insurance policies without mandatory medical exams, for a 10-year term with $250K coverage if the insuree was in poor health.
Protective stands out as the provider of the best life insurance without a required medical exam in Rancho Cucamonga, with a MoneyGeek score of 91 for men and women. This high score indicates that Protective offers a well-rounded package that is likely to meet the average individual's needs for life insurance without the hassle of a medical exam.
The company excels in affordability, customer satisfaction, financial stability and product diversity, which are aBest No-Medical-Exam Life Insurance inll critical factors when choosing a life insurance policy.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance is a policy that grants coverage without requiring a physical examination. This can be particularly beneficial for those who need coverage quickly or have health issues that might make a traditional policy prohibitively expensive or difficult to obtain. For example, a busy parent with a minor health condition might choose this insurance to ensure they can secure coverage without the delay of a medical check-up.
Protective stands out as the best choice for no-medical-exam life insurance in Rancho Cucamonga, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and affordability.
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How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for seniors:
We derived quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer's age to 70.
For seniors in Rancho Cucamonga seeking the best term life insurance, Protective emerges as the premier provider for men and women, with a MoneyGeek score of 91 and 90, respectively. Men can expect a monthly premium of about $84, while women are looking at approximately $75.
As age increases, so does the cost of life insurance premiums, reflecting the higher risk associated with insuring an older population. Protective's top MoneyGeek scores suggest a strong combination of affordability, customer satisfaction, and financial stability, which are vital for seniors prioritizing security and value.
| 1 | Protective | $84 | 91 |
| 2 | Mutual of Omaha | $94 | 91 |
| 3 | Nationwide | $80 | 90 |
| 4 | Allstate | $76 | 89 |
| 5 | Transamerica | $77 | 88 |
| 6 | AAA | $106 | 88 |
| 7 | Prudential | $81 | 87 |
| 8 | State Farm | $124 | 86 |
| 9 | Haven | $166 | 82 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for people who smoke:
We collected quotes using a $250K life insurance policy with a 10-year term and adjusted the sample buyer to reflect an active smoker.
For men and women seeking the best term life insurance for smokers in Rancho Cucamonga, Mutual of Omaha stands out with the highest MoneyGeek scores of 91 and 89, respectively. Men can expect a monthly premium of $91, while women are quoted at $89.
Smoking significantly affects life insurance premiums due to the associated health risks, which insurers account for in their cost calculations. Mutual of Omaha's top ranking reflects a blend of customer satisfaction, affordability, financial stability and product diversity, key factors for individuals prioritizing a reliable life insurance policy.
| 1 | Mutual of Omaha | $91 | 90 |
| 2 | Nationwide | $87 | 89 |
| 3 | AAA | $94 | 88 |
| 4 | Prudential | $71 | 88 |
| 5 | Transamerica | $84 | 87 |
| 6 | Protective | $147 | 87 |
| 7 | Haven | $90 | 86 |
| 8 | State Farm | $128 | 84 |
| 9 | Allstate | $125 | 84 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best term life insurance companies for young adults:
We collected quotes using a $250K life insurance policy with a 10-year term for a 20-year-old buyer.
For those seeking the best term life insurance for young adults in Rancho Cucamonga, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $11 for men and $10 for women.
Age is a key factor in determining life insurance premiums. Younger individuals typically benefit from lower costs due to better health and lower risk. Protective's high MoneyGeek score reflects its strong affordability, excellent customer satisfaction and solid financial stability. These factors make it a reliable choice for young adults looking to secure their future.
| 1 | Protective | $11 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $13 | 90 |
| 4 | Allstate | $11 | 89 |
| 5 | Transamerica | $11 | 88 |
| 6 | AAA | $15 | 88 |
| 7 | Prudential | $16 | 85 |
| 8 | State Farm | $19 | 85 |
| 9 | Haven | $17 | 84 |
| 10 | Bestow | $23 | 83 |
How was this MoneyGeek score calculated?
MoneyGeek used the following weights to score and rank the best cheap term life insurance companies:
We adjusted the weighting to favor affordability for a $250K life insurance policy with a 10-year term.
For those looking for the best cheap term life insurance in Rancho Cucamonga, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $18 for men and $16 for women.
Various factors can influence the cost of life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, individuals should maintain a healthy lifestyle, choose an appropriate coverage amount, and compare quotes from multiple insurers.
| 1 | Protective | $18 | 92 |
| 2 | Allstate | $18 | 91 |
| 3 | Nationwide | $20 | 91 |
| 4 | Transamerica | $18 | 91 |
| 5 | Mutual of Omaha | $22 | 89 |
| 6 | AAA | $24 | 87 |
| 7 | Prudential | $24 | 85 |
| 8 | State Farm | $31 | 82 |
| 9 | Haven | $30 | 82 |
The average monthly premium for term life insurance in Rancho Cucamonga is $27 for women and $33 for men. Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, and the specifics of the policy chosen. Insurers assess these factors to determine the risk and set the premium accordingly.
The cost of life insurance in Rancho Cucamonga might be different than the rest of California due to various reasons. Regional differences in health trends, lifestyle choices and economic conditions can impact the premiums. For instance, areas with higher healthcare costs or higher rates of certain health conditions might see higher life insurance premiums. Conversely, regions with healthier populations or lower living costs might benefit from lower premiums.\
Protective offers the best life insurance for men in Rancho Cucamonga. With a MoneyGeek score of 92, it ranks highest among providers.
The monthly premium cost for the best life insurance for men in Rancho Cucamonga is $35. Protective offers this rate, making it an affordable option for high-quality coverage.
Protective is the top choice for women seeking life insurance in Rancho Cucamonga. It has a MoneyGeek score of 91, indicating strong performance in various metrics.
Women in Rancho Cucamonga can expect to pay $29 per month for the best life insurance. Protective offers this rate, ensuring affordable and high-quality coverage for female residents.
Life insurance in Rancho Cucamonga does not significantly differ from the rest of California. However, local provider availability and community-specific needs may influence choices. For instance, Protective is highly rated in Rancho Cucamonga, which may not be the case in other cities.
If a life insurance company goes bankrupt in Rancho Cucamonga, policyholders are usually protected by state guaranty associations. These associations cover claims up to certain limits, ensuring that policyholders do not lose their coverage entirely.
Residents of Rancho Cucamonga may need life insurance for various reasons. It can provide financial security for loved ones, cover outstanding debts, or fund future expenses like college tuition. Life insurance ensures that dependents are financially protected in case of unexpected events.
To find a lost life insurance policy in Rancho Cucamonga, start by checking through personal documents and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance for assistance in locating the policy.
About Mark Fitzpatrick
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.
