Updated: November 22, 2024
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Protective is the best life insurance company in Clovis, California, with the highest MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $34 for men and $29 for women.
These scores and premiums are based on a 20-year term policy with $500,000 coverage, but your choice may vary based on personal needs. Consider your age, health and coverage needs when choosing life insurance.
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 Clovis, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceClovis, CABest Life Insurance Companies in Clovis
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 Clovis, with a MoneyGeek score of 92 and an average monthly premium of $34 for men, and a score of 91 and a premium of $29 for women.
Top companies for men:
Top companies for women:
Protective's high MoneyGeek scores and lower monthly premiums make it the best choice for life insurance.
Protective is the leading life insurance provider in Clovis, with an overall MoneyGeek score of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $34 for men and $29 for women.
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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 best term life insurance provider in Clovis, with a MoneyGeek score of 92 for both genders and average monthly premiums of $17 for men and $16 for women. Its high affordability, customer satisfaction and financial stability scores make it a top choice for reliable coverage.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides coverage at a fixed rate of payments for a limited time. For instance, a parent might purchase a 20-year term life insurance policy to ensure that their children's education and living expenses are covered in the event of their untimely death.
Protective stands out as the premier option for term life insurance for men and women in Clovis, achieving a MoneyGeek score of 92. With average monthly premiums of $17 for men and $16 for women, it offers an optimal balance of cost and quality.
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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 has the best whole life insurance in Clovis, achieving a MoneyGeek score of 92 for men and women. The company performs strongly in customer satisfaction and financial stability.
Whole life insurance provides a fixed premium and a guaranteed death benefit, making it suitable for long-term financial planning. For instance, you might choose whole life insurance to ensure financial security for your family, regardless of market fluctuations.
Protective is the top choice for whole life insurance in Clovis, with a MoneyGeek score of 92 for men and women. It offers a balance of quality service and cost-effectiveness.
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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.
In Clovis, Protective is the best universal life insurance provider, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.
Universal life insurance combines life coverage with an investment component, allowing for cash value growth. It also provides flexibility to adjust premiums and death benefits over time. For example, someone might choose universal life insurance to modify their coverage as their financial needs change without needing a new policy.
Protective is the leading provider of universal life insurance in Clovis. With a MoneyGeek score of 91 for men and women, Protective stands out for its quality service, affordability and financial stability.
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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 offers the best life insurance in Clovis without a medical exam requirement. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance without a medical exam suits those who fear undergoing tests and prefer convenience and quick approval.
Protective is Clovis' top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects a balance of customer satisfaction and financial stability.
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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.
Protective offers the best term life insurance for seniors in Clovis, with MoneyGeek scores of 91 for men and 90 for women. Average monthly premiums are $81 for males and $75 for females.
Age affects life insurance premiums, with higher premiums for seniors due to increased health risk. Protective's top MoneyGeek score highlights its strong performance in affordability, customer satisfaction and financial stability, making it great for seniors seeking a balance of cost and quality.
| 1 | Protective | $81 | 91 |
| 2 | Mutual of Omaha | $90 | 91 |
| 3 | Nationwide | $76 | 90 |
| 4 | Allstate | $73 | 89 |
| 5 | Transamerica | $74 | 88 |
| 6 | AAA | $101 | 88 |
| 7 | Prudential | $78 | 87 |
| 8 | State Farm | $118 | 86 |
| 9 | Haven | $159 | 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.
Mutual of Omaha provides the best term life insurance for smokers in Clovis, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $87 for males and $90 for females.
Smoking impacts life insurance premiums due to the associated health risks. Mutual of Omaha's high MoneyGeek scores reflect a balance of affordability, customer satisfaction and financial stability — critical factors for smokers seeking coverage that fits their needs.
| 1 | Mutual of Omaha | $87 | 90 |
| 2 | Nationwide | $83 | 89 |
| 3 | AAA | $90 | 88 |
| 4 | Prudential | $68 | 88 |
| 5 | Transamerica | $80 | 87 |
| 6 | Protective | $141 | 87 |
| 7 | Haven | $86 | 86 |
| 8 | State Farm | $122 | 84 |
| 9 | Allstate | $120 | 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.
Protective offers the best term life insurance for young adults in Clovis, with a MoneyGeek score of 92 and an average monthly premium of $10 for males and females.
Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.
| 1 | Protective | $10 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $12 | 90 |
| 4 | Allstate | $10 | 89 |
| 5 | Transamerica | $10 | 88 |
| 6 | AAA | $14 | 88 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $18 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 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.
In Clovis, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 for men and women. Average monthly premiums are $17 for males and $16 for females.
Age, health, coverage amount and term length affect insurance premiums. To get the lowest premiums, maintain good health, choose a suitable coverage amount and consider a shorter term length.
| 1 | Protective | $17 | 92 |
| 2 | Allstate | $17 | 91 |
| 3 | Nationwide | $20 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $21 | 89 |
| 6 | AAA | $23 | 87 |
| 7 | Prudential | $23 | 85 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $29 | 82 |
Average monthly premiums for term life insurance in Clovis are $32 for men and $27 for women. Several factors affect these premiums, including age, health, lifestyle, occupation, coverage amount and term length.
Life insurance costs in Clovis may differ from those in the rest of California due to local health stats, cost of living, regional risks and competition among insurers. Knowing these factors helps you make better decisions when choosing life insurance. Also, consider your circumstances to find a policy that fits your needs and budget.
Protective has the best life insurance in Clovis for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium cost for the best life insurance for men in Clovis is $34.
Protective offers women the best life insurance in Clovis, with a MoneyGeek score of 91 out of 100.
The average monthly premium cost for the best life insurance for women in Clovis is $29.
Life insurance in Clovis may differ from the rest of California. Protective, for example, scores high in affordability and customer satisfaction in Clovis, which may not be the case elsewhere. Premiums and coverage options can also vary.
If a life insurance company goes bankrupt in Clovis, the California Life and Health Insurance Guarantee Association protects policyholders by ensuring that benefits are paid, but only up to certain limits.
Clovis residents may need life insurance for various reasons. It can offer financial security for dependents, help cover outstanding debts and ensure final expenses are paid. Life insurance can also be a key part of a financial plan, protecting against unexpected events and providing peace of mind.
To find a lost life insurance policy in Clovis, check personal records and contact the deceased’s financial advisors or employers. You can also contact the California Department of Insurance, which may assist in locating lost policies. Additionally, online search tools can be used to find lost policies.
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.
