Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Carlsbad, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $52 for men and $35 for women. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider various factors such as your age, health and financial goals. 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 Carlsbad, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceCarlsbad, CABest Life Insurance Companies in Carlsbad
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.
Protective offers the best life insurance in Carlsbad for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $52 for men and a score of 91 with a monthly premium of $35 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its competitive premiums, customer satisfaction and financial stability, making it a reliable choice for life insurance coverage.
Protective stands out as the best life insurance provider in Carlsbad for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The company offers monthly premiums of $52 for men and $35 for women, reflecting a commitment to affordability and value.
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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.
Protective is the top provider of the best term life insurance in Carlsbad for both men and women. It has a MoneyGeek score of 92 and average monthly premiums of $27 for men and $19 for women. This score reflects a blend of affordability, customer satisfaction and financial stability, making Protective an excellent choice for individuals seeking reliable coverage without overpaying.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides a death benefit to beneficiaries if the policyholder passes away during the term, making it a straightforward and often affordable option. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
Protective is the leading provider of term life insurance for men and women in Carlsbad, boasting a MoneyGeek score of 92 for each. The average monthly premiums are $27 for men and $19 for women, making it an appealing choice for those prioritizing both quality and affordability in their insurance selection.
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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.
Protective offers the best whole life insurance, with a MoneyGeek score of 92 for both men and women. This company's high rating indicates a strong combination of customer satisfaction, financial stability and product diversity.
Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.
Protective stands out as the leading provider of whole life insurance in Carlsbad for both men and women, with MoneyGeek scores of 92 for each. This reflects a consistent commitment to quality across different demographics, ensuring that all customers receive top-tier services and support.
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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.
Protective offers the best universal life insurance in Carlsbad for both men and women, with a MoneyGeek score of 91.
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For instance, someone who anticipates significant life changes, such as starting a business, may prefer universal life insurance for its adaptability.
Protective is the best universal life insurance provider in Carlsbad for both men and women, with a MoneyGeek score of 91 for each. Its commitment to customer satisfaction and financial stability contributes to its top position in the market.
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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.
In Carlsbad, Protective offers the best life insurance for those seeking coverage without a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam grants coverage without the need for a medical checkup, which is particularly beneficial for those with health concerns requiring immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective is the best choice for no-medical-exam life insurance in Carlsbad for both men and women. With a MoneyGeek score of 91 for each, consumers can rely on this provider for their life insurance needs without the hassle of a medical exam.
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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 those seeking the best term life insurance for seniors in Carlsbad, Protective stands out with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $124 and $90, respectively.
Age impacts life insurance premiums, as the insurer's risk increases with the policyholder's age, often resulting in higher costs for seniors. Protective's leading MoneyGeek scores reflect its strong performance in customer satisfaction, financial stability and product diversity.
| 1 | Protective | $124 | 91 |
| 2 | Mutual of Omaha | $139 | 91 |
| 3 | Nationwide | $118 | 90 |
| 4 | Allstate | $113 | 89 |
| 5 | Transamerica | $114 | 88 |
| 6 | AAA | $156 | 88 |
| 7 | Prudential | $120 | 87 |
| 8 | State Farm | $183 | 86 |
| 9 | Haven | $246 | 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.
In Carlsbad, Mutual of Omaha stands out for men and women seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and 89 and average monthly premiums of $134 and $108, respectively.
Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha's top scores reflect its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.
| 1 | Mutual of Omaha | $134 | 90 |
| 2 | Nationwide | $128 | 89 |
| 3 | AAA | $139 | 88 |
| 4 | Prudential | $105 | 88 |
| 5 | Transamerica | $124 | 87 |
| 6 | Protective | $218 | 87 |
| 7 | Haven | $133 | 86 |
| 8 | State Farm | $189 | 84 |
| 9 | Allstate | $185 | 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 Carlsbad, Protective stands out with a MoneyGeek Score of 92 and average monthly premiums of $16 for men and $12 for women.
Age plays a significant role in the cost of life insurance premiums. As individuals age, the risk to insurers increases, leading to higher premiums. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability, making it an excellent choice for young adults in Carlsbad.
| 1 | Protective | $16 | 92 |
| 2 | Mutual of Omaha | $19 | 91 |
| 3 | Nationwide | $19 | 90 |
| 4 | Allstate | $16 | 89 |
| 5 | Transamerica | $16 | 88 |
| 6 | AAA | $22 | 88 |
| 7 | Prudential | $24 | 85 |
| 8 | State Farm | $29 | 85 |
| 9 | Haven | $25 | 84 |
| 10 | Bestow | $34 | 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 seeking the best cheap term life insurance in Carlsbad, Protective stands out with a MoneyGeek score of 92 for both men and women at an average monthly premium of $27 and $19, respectively.
Factors affecting premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, choose appropriate coverage and compare quotes from multiple providers.
| 1 | Protective | $27 | 92 |
| 2 | Allstate | $26 | 91 |
| 3 | Nationwide | $30 | 91 |
| 4 | Transamerica | $26 | 91 |
| 5 | Mutual of Omaha | $32 | 89 |
| 6 | AAA | $36 | 87 |
| 7 | Prudential | $35 | 85 |
| 8 | State Farm | $45 | 82 |
| 9 | Haven | $44 | 82 |
The average monthly premium for term life insurance in Carlsbad, California, is $29 for women and $33 for men.
Rates are affected by several factors. Insurance companies assess age, health, lifestyle and occupation to determine the risk associated with insuring an individual.
Life insurance costs in Carlsbad might be higher or lower compared to other parts of California for various reasons, including local economic conditions, health statistics and lifestyle. For instance, if Carlsbad 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.
Protective offers the best life insurance in Carlsbad for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Carlsbad is $52, based on a 20-year term policy with $500,000 coverage.
Protective is the best life insurance company in Carlsbad for women, with a MoneyGeek score of 91 out of 100.
The monthly premium cost for the best life insurance for women in Carlsbad is roughly $35.
Life insurance in Carlsbad is generally similar to the rest of California. However, local market conditions and regulations may affect policy options and rates. For example, coastal areas like Carlsbad may have different risk assessments compared to inland regions, impacting premiums and coverage terms.
If a life insurance company goes bankrupt in Carlsbad, state guaranty associations typically step in to protect policyholders. These associations cover claims up to certain limits, ensuring that policyholders do not lose their coverage. It's important to check the specific limits and protections offered in California.
Carlsbad residents may need life insurance for several reasons. These include providing financial security for their families, covering debts and final expenses and ensuring peace of mind. Life insurance can also be a tool for estate planning and protecting business interests.
To find a lost life insurance policy in Carlsbad, start by contacting the insurance company directly. If this is unsuccessful, use online search tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator. Checking with state insurance departments can also be helpful.
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.
