Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in El Cajon, California, with MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $23 for both. These scores and premiums are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider various factors such as policy terms, coverage amount and your unique needs.
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 El Cajon, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceEl Cajon, CABest Life Insurance Companies in El Cajon
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 El Cajon, Protective offers the best life insurance, with MoneyGeek scores of 92 for men and 91 for women and an average monthly premium of $23 for both genders.
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 top choice for life insurance in El Cajon, with MoneyGeek scores of 92 for men and 91 for women. It provides affordable coverage at an average monthly premium of $23.
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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 has the best term life insurance in El Cajon, with a MoneyGeek score of 92 and an average monthly premium of $12 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 a death benefit for a specific period. For example, a parent might choose term insurance to ensure their child's education is funded if they pass away before the child finishes school.
In El Cajon, Protective is the best term life insurance provider, earning a MoneyGeek score of 92 for men and women. It balances cost and quality with a low monthly premium of $12 for both genders.
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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 in El Cajon, 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 can accumulate cash value over time. For example, someone might choose it to ensure their family's financial security while building an asset that can be borrowed against when needed.
Protective is the leading provider of whole life insurance in El Cajon, earning a MoneyGeek score of 92 for men and women. This reflects a good balance of customer satisfaction and affordability.
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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 El Cajon, 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 policy that lets policyholders adjust premiums and death benefits. It suits those seeking permanent coverage with the potential to build cash value. For example, someone might choose it over term life insurance for its adaptability to changing financial needs.
Protective is El Cajon'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 El Cajon. 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 physical examination. Someone with a busy lifestyle or a minor pre-existing condition might choose it to avoid a medical check-up's inconvenience and potential scrutiny.
In El Cajon, 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 El Cajon, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $55 for males and $58 for females.
Age impacts life insurance premiums, as insurers consider the increased health risks of old age. Protective stands out with its strong performance in affordability, customer satisfaction and financial stability, making it a reliable option for seniors.
| 1 | Protective | $55 | 91 |
| 2 | Mutual of Omaha | $62 | 91 |
| 3 | Nationwide | $53 | 90 |
| 4 | Allstate | $50 | 89 |
| 5 | Transamerica | $51 | 88 |
| 6 | AAA | $70 | 88 |
| 7 | Prudential | $53 | 87 |
| 8 | State Farm | $81 | 86 |
| 9 | Haven | $109 | 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 El Cajon, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $60 for males and $69 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 | $60 | 90 |
| 2 | Nationwide | $57 | 89 |
| 3 | AAA | $62 | 88 |
| 4 | Prudential | $47 | 88 |
| 5 | Transamerica | $55 | 87 |
| 6 | Protective | $97 | 87 |
| 7 | Haven | $59 | 86 |
| 8 | State Farm | $84 | 84 |
| 9 | Allstate | $82 | 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 El Cajon, with a MoneyGeek score of 92 and an average monthly premium of $7 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 | $7 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $7 | 89 |
| 5 | Transamerica | $7 | 88 |
| 6 | AAA | $10 | 88 |
| 7 | Prudential | $11 | 85 |
| 8 | State Farm | $13 | 85 |
| 9 | Haven | $11 | 84 |
| 10 | Bestow | $15 | 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 El Cajon, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $12 for men and women.
Factors affecting premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain excellent health and opt for a longer term.
| 1 | Protective | $12 | 92 |
| 2 | Allstate | $12 | 91 |
| 3 | Nationwide | $13 | 91 |
| 4 | Transamerica | $12 | 91 |
| 5 | Mutual of Omaha | $14 | 89 |
| 6 | AAA | $16 | 87 |
| 7 | Prudential | $16 | 85 |
| 8 | State Farm | $20 | 82 |
| 9 | Haven | $20 | 82 |
The average monthly premiums for term life insurance in El Cajon are $33 for men and $29 for women. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect rates, including age, health, lifestyle and occupation. Insurance companies assess them to determine the risk of insuring an individual.
Life insurance costs in El Cajon can vary compared to other parts of California due to local factors, such as economic conditions, health statistics and lifestyle trends. Higher health care costs or more prevalent health conditions could lead to higher premiums, while lower living costs or healthier trends might result in lower premiums.
Protective offers the best life insurance in El Cajon for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in El Cajon is $23.
Protective offers the best life insurance in El Cajon for women, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in El Cajon is $23.
Life insurance in El Cajon is competitive, with Protective offering top-rated policies for both men and women. Premiums are similar to those across California, but local factors like cost of living and health statistics may affect individual rates.
If a life insurance company in El Cajon goes bankrupt, state guaranty associations cover claims up to a certain limit, ensuring that beneficiaries receive their payouts even if the insurer fails.
El Cajon residents might need life insurance to provide financial security for their families. It can cover mortgage payments, education costs and daily living expenses in the event of the policyholder's death.
To find a lost life insurance policy in El Cajon, check with the deceased's financial advisors, employers and banks. You can also contact the California Department of Insurance, which may have policy records.
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.
