Updated: November 21, 2024
Advertising & Editorial Disclosure
In Daly City, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. Its average monthly premium is $30 for 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 Daly City, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceDaly City, CABest Life Insurance Companies in Daly City
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 Daly City, Protective offers the best life insurance, with MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $30 for both.
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.
In Daly City, Protective is the top choice for life insurance. With impressive MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $30, Protective offers a balance of value and reliability.
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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 Daly City, with a MoneyGeek score of 92 for men and women. The average monthly premiums are $16 and $17, respectively. 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 certain period. It's often chosen for its simplicity and lower cost than permanent life insurance. For instance, a parent might purchase a 20-year term policy to ensure their child's education is funded should anything happen to them during those years.
In Daly City, Protective is the best term life insurance provider for men and women, offering 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 Daly City, achieving a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid. It's great for those looking for a consistent premium and a cash value component that grows over time. Someone might choose whole life over term life insurance if they want a guaranteed benefit for their beneficiaries, regardless of when they pass away.
Protective is the leading provider of whole life insurance in Daly City, offering 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 Daly City, 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 flexibility in premiums and death benefits, making it suitable for those seeking long-term security with the potential for cash value growth. For instance, an individual interested in estate planning might opt for universal life insurance to ensure financial stability for their heirs while accumulating a cash reserve.
Protective is Daly City'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 without a medical exam requirement in Daly City. 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. A busy professional might choose it to speed up the process and avoid being disqualified based on a medical condition.
In Daly City, 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 Daly City, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $73 for males and $78 for females.
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 | $73 | 91 |
| 2 | Mutual of Omaha | $82 | 91 |
| 3 | Nationwide | $69 | 90 |
| 4 | Allstate | $66 | 89 |
| 5 | Transamerica | $67 | 88 |
| 6 | AAA | $92 | 88 |
| 7 | Prudential | $70 | 87 |
| 8 | State Farm | $107 | 86 |
| 9 | Haven | $144 | 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 Daly City, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $79 for males and $93 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 | $79 | 90 |
| 2 | Nationwide | $75 | 89 |
| 3 | AAA | $81 | 88 |
| 4 | Prudential | $62 | 88 |
| 5 | Transamerica | $73 | 87 |
| 6 | Protective | $128 | 87 |
| 7 | Haven | $78 | 86 |
| 8 | State Farm | $111 | 84 |
| 9 | Allstate | $108 | 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 Daly City, with a MoneyGeek score of 92 and average monthly premiums of $9 for men and $10 for 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 | $9 | 92 |
| 2 | Mutual of Omaha | $11 | 91 |
| 3 | Nationwide | $11 | 90 |
| 4 | Allstate | $9 | 89 |
| 5 | Transamerica | $9 | 88 |
| 6 | AAA | $13 | 88 |
| 7 | Prudential | $14 | 85 |
| 8 | State Farm | $17 | 85 |
| 9 | Haven | $15 | 84 |
| 10 | Bestow | $20 | 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 Daly City, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $16 for men and $17 for women.
Several factors influence life insurance premiums, including age, health, coverage amount and term length. To get the lowest premium, maintain excellent health, choose a shorter term and opt for a lower coverage amount.
| 1 | Protective | $16 | 92 |
| 2 | Allstate | $15 | 91 |
| 3 | Nationwide | $18 | 91 |
| 4 | Transamerica | $15 | 91 |
| 5 | Mutual of Omaha | $19 | 89 |
| 6 | AAA | $21 | 87 |
| 7 | Prudential | $21 | 85 |
| 8 | State Farm | $27 | 82 |
| 9 | Haven | $26 | 82 |
The average monthly premiums for term life insurance in Daly City are $29 for men and $28 for women. Several factors affect premiums, including age, health, lifestyle and coverage amount.
Life insurance costs in Daly City may differ from the rest of California due to factors like regional economics, living costs and health care access. Higher living costs can lead to higher premiums, while better health care access might lower premiums due to improved health outcomes. Demographic factors like average age and health also influence insurance rates.
Understanding these factors can help you make informed decisions when purchasing life insurance.
Protective has the best life insurance in Daly City for men, with a MoneyGeek score of 92 out of100.
The average monthly premium for the best life insurance for men in Daly City is $30.
Protective has the best life insurance in Daly City for women, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Daly City is $30.
Life insurance in Daly City is similar to that in the rest of California. Protective offers competitive rates and high customer satisfaction scores statewide. However, local factors such as cost of living and health conditions may influence individual premiums.
If a life insurance company in Daly City goes bankrupt, state guaranty associations protect policyholders by ensuring that claims are paid up to certain limits.
Daly City residents might need life insurance to cover debts and funeral expenses and provide financial security for their families. It can also help pay for children's education and replace lost income, ensuring stability in difficult times.
Contact the insurance company directly to find a lost life insurance policy in Daly City. Use online databases like the National Association of Insurance Commissioners' Life Insurance Policy Locator. You can also seek assistance from the California Department of Insurance.
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.
