Updated: November 22, 2024
Advertising & Editorial Disclosure
In Fairfield, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $31 for males and $27 for females. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider your health, age and financial needs. Protective ranks highest, but another provider may better suit your situation.
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 Fairfield, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceFairfield, CABest Life Insurance Companies in Fairfield
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 Fairfield, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $31 and $27, respectively.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and lower monthly premiums make it the top choice for life insurance.
In Fairfield, 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 $31 for males and $27 for females. It's an affordable choice for excellent coverage.
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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 Fairfield, with a MoneyGeek score of 92 and average monthly premiums of $16 for men and $15 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 specific period. For example, a parent might choose term insurance to cover their child's education in the event of their untimely passing.
In Fairfield, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with low monthly premiums of $16 for males and $15 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 Fairfield, 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 lifetime coverage and builds cash value over time, offering both protection and a savings component. Someone might choose whole life insurance to ensure their family's financial security and have the option to borrow against the cash value for future needs.
In Fairfield, 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.
Protective has Fairfield's 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 allows policyholders to adjust their premiums and death benefits. It may appeal to those seeking lifetime coverage with the added benefit of cash value accumulation, providing a financial resource when needed.
Protective is Fairfield'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 Fairfield. 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, which is beneficial for those with health concerns or who prefer a more straightforward application process.
In Fairfield, 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 Fairfield, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $75 for males and $70 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 | $75 | 91 |
| 2 | Mutual of Omaha | $84 | 91 |
| 3 | Nationwide | $71 | 90 |
| 4 | Allstate | $68 | 89 |
| 5 | Transamerica | $69 | 88 |
| 6 | AAA | $94 | 88 |
| 7 | Prudential | $72 | 87 |
| 8 | State Farm | $110 | 86 |
| 9 | Haven | $148 | 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 Fairfield, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $81 for males and $84 for females.
Smoking leads to higher life insurance premiums because of the health risks. Insurers charge more to account for the increased likelihood of claims. Mutual of Omaha is a top choice for smokers due to its mix of affordability, customer satisfaction, financial stability and diverse products.
| 1 | Mutual of Omaha | $81 | 90 |
| 2 | Nationwide | $77 | 89 |
| 3 | AAA | $84 | 88 |
| 4 | Prudential | $64 | 88 |
| 5 | Transamerica | $75 | 87 |
| 6 | Protective | $131 | 87 |
| 7 | Haven | $80 | 86 |
| 8 | State Farm | $114 | 84 |
| 9 | Allstate | $112 | 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 Fairfield, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 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 | $10 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 90 |
| 4 | Allstate | $10 | 89 |
| 5 | Transamerica | $10 | 88 |
| 6 | AAA | $13 | 88 |
| 7 | Prudential | $14 | 85 |
| 8 | State Farm | $17 | 85 |
| 9 | Haven | $15 | 84 |
| 10 | Bestow | $21 | 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 Fairfield, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $16 for men and $15 for women.
Various factors affect premiums, including age, health, coverage amount and term length. To get the lowest rates, maintain a healthy lifestyle, choose a shorter term length and opt for a lower coverage amount.
| 1 | Protective | $16 | 92 |
| 2 | Allstate | $16 | 91 |
| 3 | Nationwide | $18 | 91 |
| 4 | Transamerica | $16 | 91 |
| 5 | Mutual of Omaha | $19 | 89 |
| 6 | AAA | $21 | 87 |
| 7 | Prudential | $21 | 85 |
| 8 | State Farm | $27 | 82 |
| 9 | Haven | $27 | 82 |
The average monthly premiums for term life insurance in Fairfield are $30 for men and $25 for women.
Several factors affect rates, including age, health, lifestyle and occupation. Younger individuals or those in good health may pay lower premiums. Conversely, those with high-risk occupations or health issues may face higher costs.
Life insurance premiums in Fairfield may vary from those in other parts of California due to local health statistics, economic conditions and regional risk factors. Higher health care costs or risks, such as natural disasters or crime, can increase premiums, while lower costs or dangers may lead to lower rates.
Understanding these factors can help you make informed choices.
Protective has the best life insurance in Fairfield for men, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Fairfield is $31.
Protective offers the best life insurance in Fairfield for women, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Fairfield is $27.
Life insurance in Fairfield generally matches the rest of California for costs and providers. However, Protective excels in Fairfield with high MoneyGeek scores for both men and women, which may differ from rankings in other cities.
If a life insurance company in Fairfield goes bankrupt, the California Life and Health Insurance Guarantee Association protects policyholders and ensures that claims are paid up to certain limits.
Fairfield residents might need life insurance to provide financial security for their families. In the event of the policyholder's death, life insurance can cover expenses such as mortgage payments, education costs and daily living expenses.
Residents can check personal records and contact the deceased's financial advisors or employers to find a lost life insurance policy in Fairfield. The California Department of Insurance also provides resources and assistance in locating 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.
