Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Costa Mesa, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $33 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 Costa Mesa, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceCosta Mesa, CABest Life Insurance Companies in Costa Mesa
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 Costa Mesa, with MoneyGeek scores of 92 for men and 91 for women and average monthly premiums of $33 and $31, respectively.
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 Costa Mesa's leading life insurance provider, with an overall MoneyGeek score of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $33 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 Costa Mesa, with a MoneyGeek score of 92 and an average monthly premium of $17 for men and 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 for a specific term length, typically 10 to 30 years. It's often chosen for its simplicity and lower cost than permanent life insurance. For instance, a parent might opt for term life insurance to ensure their child's education costs will be covered in the event of their untimely passing.
Protective is the top choice for term life insurance in Costa Mesa, earning a MoneyGeek score of 92 for men and women. With an average monthly premium of $17 for both genders, 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 Costa Mesa, 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 includes an investment component that grows over time. For example, someone might choose whole life insurance to ensure long-term financial protection for their family while building cash value that can be borrowed against.
Protective is the leading provider of whole life insurance in Costa Mesa, earning a MoneyGeek score of 92 for men and women. This reflects a good balance of customer satisfaction, affordability and financial stability.
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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 Costa Mesa, 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 offers flexible premiums and the potential for cash value growth. Some people choose this type of insurance because it allows them to adjust their coverage as their financial situation changes over time.
Protective is Costa Mesa's leading universal life insurance provider. 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 Costa Mesa 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 undergoing a health assessment. This option is especially useful for those with health concerns or urgent needs for coverage, such as an upcoming trip or starting a new business.
In Costa Mesa, Protective is the 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, financial stability 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.
Protective offers the best term life insurance for seniors in Costa Mesa, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premium is $79.
Age affects insurance premiums, with higher rates 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 | $79 | 91 |
| 2 | Mutual of Omaha | $88 | 91 |
| 3 | Nationwide | $75 | 90 |
| 4 | Allstate | $71 | 89 |
| 5 | Transamerica | $72 | 88 |
| 6 | AAA | $99 | 88 |
| 7 | Prudential | $76 | 87 |
| 8 | State Farm | $116 | 86 |
| 9 | Haven | $155 | 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 Costa Mesa, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $85 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 | $85 | 90 |
| 2 | Nationwide | $81 | 89 |
| 3 | AAA | $88 | 88 |
| 4 | Prudential | $67 | 88 |
| 5 | Transamerica | $78 | 87 |
| 6 | Protective | $138 | 87 |
| 7 | Haven | $84 | 86 |
| 8 | State Farm | $119 | 84 |
| 9 | Allstate | $117 | 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 Costa Mesa, with a MoneyGeek score of 92 and an average monthly premium of $10 for men and women.
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 | $12 | 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 Costa Mesa, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $17 for men and women.
Factors influencing life insurance premiums include age, health, coverage amount and term length. 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 | $19 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $20 | 89 |
| 6 | AAA | $23 | 87 |
| 7 | Prudential | $22 | 85 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly costs of term life insurance in Costa Mesa are $31 for men and $28 for women. Various factors affect premiums, including age, health, lifestyle, coverage amount, policy term and the insurer you choose.
In Costa Mesa, premiums might be higher or lower than in the rest of California due to local health statistics, economic conditions or lifestyle factors. For example, insurers might offer lower premiums if the local population has better health metrics. Conversely, higher living costs might lead to higher premiums.
Understanding these factors can help you make informed decisions about your life insurance needs.
Protective offers the best life insurance for men in Costa Mesa, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Costa Mesa is $33.
Protective provides the best life insurance for women in Costa Mesa, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Costa Mesa is $31.
Life insurance in Costa Mesa is similar to the rest of California in terms of coverage and costs. For example, Protective offers competitive rates and high customer satisfaction across the state. However, local factors such as demographics and health statistics may influence specific premiums.
If a life insurance company in Costa Mesa goes bankrupt, state guaranty associations typically protect policyholders by ensuring that claims are paid and policies remain in force.
Costa Mesa residents might need life insurance to provide financial security for their families. It can cover debts, mortgage payments and future expenses, ensuring that loved ones won't be burdened financially in the event of an untimely death.
To find a lost life insurance policy in Costa Mesa, contact the insurer directly or check with the California Department of Insurance. State databases and online tools can also help locate unclaimed 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.
