Updated: December 24, 2024
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Protective is El Monte, California's best life insurance company, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $19 for males and $16 for females. 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 Monte, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceEl Monte, CABest Life Insurance Companies in El Monte
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 El Monte, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $19 for males and $16 for females.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and lower monthly premiums make it the best choice for life insurance.
In El Monte, Protective is the top choice for life insurance, with MoneyGeek scores of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $19 for males and $16 for females.
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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 Monte, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 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 for a specified period, making it suitable for those needing financial protection during critical years, such as while raising a family or paying off a mortgage.
In El Monte, 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 $10 for males and $9 for females.
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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 provider in El Monte, with 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 grow over time. Someone might choose it to ensure their family's financial stability while building cash value that can be borrowed against.
In El Monte, Protective is the leading provider of whole life insurance, 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 Monte, 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 allows policyholders to adjust their premiums and death benefits. For example, someone might choose universal life insurance over other types because they want the potential to accumulate cash value over time that can be used as a financial resource.
Protective is El Monte's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, Protective stands out for its quality service 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 Monte. 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, making it ideal for those with health concerns or needing quick coverage. For example, someone with a busy lifestyle or pre-existing conditions might opt for this insurance to avoid a medical exam delay and scrutiny.
In El Monte, 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 Monte, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $45 for males and $42 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 | $45 | 91 |
| 2 | Mutual of Omaha | $50 | 91 |
| 3 | Nationwide | $42 | 90 |
| 4 | Allstate | $41 | 89 |
| 5 | Transamerica | $41 | 88 |
| 6 | AAA | $56 | 88 |
| 7 | Prudential | $43 | 87 |
| 8 | State Farm | $66 | 86 |
| 9 | Haven | $88 | 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 Monte, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $48 for males and $50 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 | $48 | 90 |
| 2 | Nationwide | $46 | 89 |
| 3 | AAA | $50 | 88 |
| 4 | Prudential | $38 | 88 |
| 5 | Transamerica | $45 | 87 |
| 6 | Protective | $78 | 87 |
| 7 | Haven | $48 | 86 |
| 8 | State Farm | $68 | 84 |
| 9 | Allstate | $67 | 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 Monte, with a MoneyGeek score of 92 and average monthly premiums of $6 for men and $5 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 | $6 | 92 |
| 2 | Mutual of Omaha | $7 | 91 |
| 3 | Nationwide | $7 | 90 |
| 4 | Allstate | $6 | 89 |
| 5 | Transamerica | $6 | 88 |
| 6 | AAA | $8 | 88 |
| 7 | Prudential | $9 | 85 |
| 8 | State Farm | $10 | 85 |
| 9 | Haven | $9 | 84 |
| 10 | Bestow | $12 | 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 Monte, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $10 for men and $9 for women.
Factors affecting premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, choose appropriate coverage and compare quotes from multiple providers.
| 1 | Protective | $10 | 92 |
| 2 | Allstate | $9 | 91 |
| 3 | Nationwide | $11 | 91 |
| 4 | Transamerica | $9 | 91 |
| 5 | Mutual of Omaha | $11 | 89 |
| 6 | AAA | $13 | 87 |
| 7 | Prudential | $13 | 85 |
| 8 | State Farm | $16 | 82 |
| 9 | Haven | $16 | 82 |
The average monthly premiums for term life insurance in El Monte are $18 for men and $15 for women.
Many factors affect rates, including age, health, lifestyle, occupation, coverage amount and policy term. Younger policyholders or those in good health typically pay lower premiums.
Life insurance costs in El Monte might differ from those in other California areas for various reasons, such as local health statistics, crime rates, cost of living and regional underwriting practices.
Understanding these factors can help you make informed decisions about life insurance.
Protective has the best life insurance in El Monte for men, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for men in El Monte is $19. This cost is based on a 20-year term length with a coverage range of $250,000 to $500,000.
Protective offers the best life insurance in El Monte for women, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for women in El Monte is $16. This is for a 20-year term with coverage between $250,000 and $500,000.
Life insurance in El Monte may not differ significantly from the rest of California. However, local factors such as demographics and average income can influence insurance premiums and coverage options. Protective offers competitive rates and high customer satisfaction in this area.
If a life insurance company in El Monte goes bankrupt, state guaranty associations provide coverage for claims, ensuring that policyholders are protected.
El Monte residents might need life insurance to cover expenses like mortgage payments, education costs and daily living expenses, ensuring loved ones are financially protected after an unexpected death.
To find a lost life insurance policy in El Monte, check personal records and contact the deceased's financial advisors. You can also contact the state's insurance department or use online tools designed to locate 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.
