Best Life Insurance in Fresno, CA (October 2024)
Updated: October 23, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Fresno, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $23 for males and $21 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. Your unique situation 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 Fresno, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceFresno, CABest Life Insurance Companies in Fresno
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 Fresno, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $23 and $21, respectively.
Top providers for men:
Top providers for women:
Protective's strong performance in affordability, customer satisfaction and financial stability make it the top choice for life insurance.
In Fresno, 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 $23 for males and $21 for females. This affordability, combined with high customer satisfaction, positions Protective as a top contender in the life insurance market.
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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 Fresno, 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 offers coverage for a set period, usually 10 to 30 years. It benefits those who need financial protection for their dependents during their most productive years. For example, a parent might choose this insurance to ensure their child's education is funded if they pass away unexpectedly.
In Fresno, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with a low monthly premium of $12 for both men and women.
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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 Fresno, with 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 permanent policy that provides a death benefit and accumulates cash value over time. Some might choose it for the certainty of lifelong coverage and the potential to build cash value, which can be a financial asset in the future.
In Fresno, 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 Fresno'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 is a flexible policy that combines life insurance with savings, allowing for adjustable premiums and death benefits. For example, someone who wants the potential to build cash value over time might choose it over term life insurance, which doesn't have an investment component.
Protective is Fresno'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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Cons: None
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 Fresno. 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 a health checkup, benefiting those with health issues or urgent needs. This type of insurance suits those who need quick coverage or have medical conditions that might complicate traditional insurance applications.
In Fresno, 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 Fresno, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $54 for males and $55 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 | $54 | 91 |
| 2 | Mutual of Omaha | $61 | 91 |
| 3 | Nationwide | $51 | 90 |
| 4 | Allstate | $49 | 89 |
| 5 | Transamerica | $50 | 88 |
| 6 | AAA | $68 | 88 |
| 7 | Prudential | $52 | 87 |
| 8 | State Farm | $80 | 86 |
| 9 | Haven | $107 | 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 Fresno, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $59 for males and $66 for females.
Smoking significantly impacts life insurance premiums due to health risks. Insurers often charge higher rates for smokers. Mutual of Omaha's high MoneyGeek score reflects its strong customer satisfaction, financial stability and diverse products, making it a reliable choice for smokers seeking comprehensive coverage.
| 1 | Mutual of Omaha | $59 | 90 |
| 2 | Nationwide | $56 | 89 |
| 3 | AAA | $61 | 88 |
| 4 | Prudential | $46 | 88 |
| 5 | Transamerica | $54 | 87 |
| 6 | Protective | $95 | 87 |
| 7 | Haven | $58 | 86 |
| 8 | State Farm | $82 | 84 |
| 9 | Allstate | $81 | 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 Fresno, 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 | $8 | 90 |
| 4 | Allstate | $7 | 89 |
| 5 | Transamerica | $7 | 88 |
| 6 | AAA | $9 | 88 |
| 7 | Prudential | $10 | 85 |
| 8 | State Farm | $12 | 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 Fresno 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 influencing premiums include age, health, coverage amount and term length. To get the lowest rates, maintain good health, choose a shorter term and opt for lower coverage amounts.
| 1 | Protective | $12 | 92 |
| 2 | Allstate | $11 | 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 | $19 | 82 |
The average monthly premiums for term life insurance in Fresno are $22 for men and $20 for women. Costs vary based on factors like age, health, lifestyle, occupation and coverage amount.
Local conditions, such as health statistics, cost of living and regional risks, can affect these costs. Higher health risks or living costs might increase premiums, while lower risks or costs could lead to lower premiums. Understanding these factors can help you make informed decisions about life insurance.
Protective offers the best life insurance in Fresno for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Fresno, offered by Protective, is $23.
Protective provides the best life insurance in Fresno for women, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Fresno, provided by Protective, is $21. This cost applies to females aged 31–40 with excellent health and no tobacco use.
Life insurance in Fresno is similar to other parts of California, with Protective being a top-rated provider statewide. Coverage options and premiums are comparable, so Fresno residents can expect similar service and reliability.
If a life insurance company in Fresno goes bankrupt, the California Life and Health Insurance Guarantee Association ensures that policies are covered up to certain limits, providing a safety net.
Fresno residents might need life insurance to secure their family's financial future, cover debts and manage final expenses. It also aids in estate planning and ensures dependents are financially supported if the policyholder passes away.
To find a lost life insurance policy in Fresno, check personal records and contact the deceased's financial advisors. You can also reach out to the California Department of Insurance and use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
