Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Concord, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $35 for men and $31 for women. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider your health, age and financial stability. 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 Concord, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceConcord, CABest Life Insurance Companies in Concord
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 Concord, with a MoneyGeek score of 92 for men and 91 for women and average monthly premiums of $35 for men and $31 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 Concord, with an overall MoneyGeek score of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $35 for men and $31 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 Concord, with a MoneyGeek score of 92 for both genders and average monthly premiums of $18 for men and $17 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 a death benefit to beneficiaries if the insured person passes away within a set term, offering a financial safety net. For instance, a parent might choose term life insurance to ensure their child's educational expenses are covered in the event of an untimely death.
Protective is the top choice for term life insurance in Concord, earning a MoneyGeek score of 92 for men and women. With average monthly premiums of $18 for men and $17 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 Concord, achieving a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance provides lifelong coverage and a cash value component, which suits those seeking a stable, long-term financial safety net. For example, someone might choose whole life insurance to ensure their family's financial security or to leave a legacy, regardless of market conditions or personal health changes.
Protective is the top choice for whole life insurance in Concord, 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 Concord, Protective has the best universal life insurance, 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 is a flexible type of permanent life insurance that provides a death benefit and a savings component that grows tax-deferred. Policyholders benefit from the cash value accumulation, which can be used to cover premiums, withdrawn or borrowed in times of need.
Protective is the leading provider of universal life insurance in Concord. 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 Concord 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 provides coverage without requiring a health assessment. For instance, someone with a busy schedule or a fear of medical procedures might choose this insurance to save time and avoid stress.
Protective is Concord's 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 Concord, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $83 for males and $78 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 | $83 | 91 |
| 2 | Mutual of Omaha | $93 | 91 |
| 3 | Nationwide | $79 | 90 |
| 4 | Allstate | $76 | 89 |
| 5 | Transamerica | $77 | 88 |
| 6 | AAA | $105 | 88 |
| 7 | Prudential | $81 | 87 |
| 8 | State Farm | $123 | 86 |
| 9 | Haven | $165 | 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 Concord, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $90 for males and $94 for females.
Smoking significantly impacts life insurance premiums, often resulting in higher rates for smokers 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 | $90 | 90 |
| 2 | Nationwide | $86 | 89 |
| 3 | AAA | $93 | 88 |
| 4 | Prudential | $71 | 88 |
| 5 | Transamerica | $83 | 87 |
| 6 | Protective | $146 | 87 |
| 7 | Haven | $89 | 86 |
| 8 | State Farm | $127 | 84 |
| 9 | Allstate | $124 | 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 Concord, with a MoneyGeek score of 92 and average monthly premiums of $11 for males and $10 for 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 | $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.
In Concord, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 for men and women. Average monthly premiums are $18 for males and $17 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 | $18 | 92 |
| 2 | Allstate | $18 | 91 |
| 3 | Nationwide | $20 | 91 |
| 4 | Transamerica | $18 | 91 |
| 5 | Mutual of Omaha | $21 | 89 |
| 6 | AAA | $24 | 87 |
| 7 | Prudential | $24 | 85 |
| 8 | State Farm | $30 | 82 |
| 9 | Haven | $30 | 82 |
In Concord, the average monthly premium for term life insurance is $33 for men and $28 for women. Several factors affect these costs, including age, health, lifestyle, occupation and coverage amount. Generally, younger and healthier individuals pay lower premiums.
Life insurance costs in Concord may differ from those in other parts of California due to local health statistics, cost of living and regional risk factors. For example, higher health care costs or more prevalent health conditions in Concord could lead to higher premiums. Conversely, lower local costs or better health metrics could lower premiums.
Understanding these factors helps you make informed decisions about your life insurance needs and budget.
Protective has the best life insurance in Concord for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men aged 31 to 40 in Concord is $35.
Protective is women's top choice for life insurance in Concord, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for Concord women aged 31 to 40 is $31.
Life insurance in Corona is similar to the rest of California in terms of company rankings and premiums. Protective leads in Concord and statewide, indicating consistent options and pricing across the state.
If a life insurance company goes bankrupt in Concord, state guaranty associations typically cover claims up to certain limits, protecting policyholders from losing coverage.
Concord residents might need life insurance to provide financial security for their families, cover debts or ensure that their loved ones can maintain their standard of living in case of an untimely death. Life insurance can also help with estate planning and final expenses.
To find a lost life insurance policy in Concord, check personal records and contact the deceased's financial advisors. You can also contact the California Department of Insurance or use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
