Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Fullerton, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $33 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. 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 Fullerton, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceFullerton, CABest Life Insurance Companies in Fullerton
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 Fullerton, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premiums are $33 and $27, respectively.
Top providers for men:
Top providers for women:
Protective's high affordability and customer satisfaction scores make it the top choice for life insurance.
Protective is Fullerton's best life insurance provider, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $33 for men and $27 for women. This affordability, combined with high customer satisfaction, positions Protective as the top option for reliable coverage without financial strain.
Pros:
Cons:
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 Fullerton, with a MoneyGeek score of 92 and average monthly premiums of $17 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 predetermined period. For example, a parent might purchase a 20-year term policy to fund their child's education in the event of an untimely death.
In Fullerton, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with low monthly premiums of $17 for men and $15 for women.
Pros:
Cons:
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 Fullerton, with a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance offers lifelong coverage and includes a cash value component that grows over time. Unlike term life insurance, which lasts for a specific period, whole life insurance ensures ongoing protection and can be a way to leave a financial legacy for heirs.
In Fullerton, 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.
Pros:
Cons:
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 Fullerton'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 provides flexible premiums and death benefits, making it a versatile option for long-term financial planning. It benefits those who want to build cash value and adjust payments over time, offering more flexibility than traditional term or whole life policies.
Protective is Fullerton's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, it stands out for its quality service and financial stability.
Pros:
Cons:
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 Fullerton. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance that doesn't require a medical exam provides coverage without needing a health checkup. Someone with a busy schedule or a fear of medical tests might get this insurance to ensure immediate protection for their loved ones.
In Fullerton, 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.
Pros:
Cons:
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 Fullerton, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $79 for males and $69 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 | $79 | 91 |
| 2 | Mutual of Omaha | $89 | 91 |
| 3 | Nationwide | $75 | 90 |
| 4 | Allstate | $72 | 89 |
| 5 | Transamerica | $73 | 88 |
| 6 | AAA | $99 | 88 |
| 7 | Prudential | $76 | 87 |
| 8 | State Farm | $116 | 86 |
| 9 | Haven | $156 | 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 Fullerton, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $85 for males and $83 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 | $85 | 90 |
| 2 | Nationwide | $82 | 89 |
| 3 | AAA | $88 | 88 |
| 4 | Prudential | $67 | 88 |
| 5 | Transamerica | $79 | 87 |
| 6 | Protective | $139 | 87 |
| 7 | Haven | $85 | 86 |
| 8 | State Farm | $120 | 84 |
| 9 | Allstate | $118 | 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 Fullerton, with a MoneyGeek score of 92 and average monthly premiums of $10 for men and $9 for women.
Age is a significant factor in life insurance premiums because younger people typically have fewer health issues, posing less risk to insurers. Protective's high MoneyGeek score is due to 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 | $14 | 88 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $18 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 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 Fullerton, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $17 for men and $15 for women.
Age, health and coverage influence life insurance costs. To get the lowest premiums, maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $17 | 92 |
| 2 | Allstate | $17 | 91 |
| 3 | Nationwide | $19 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $20 | 89 |
| 6 | AAA | $23 | 87 |
| 7 | Prudential | $23 | 85 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly premiums for term life insurance in Fullerton are $33 for men and $29 for women. Knowing these rates can help you make informed decisions when purchasing life insurance.
Several factors affect costs, including age, health, lifestyle and occupation. Insurance companies assess them to determine the risk associated with insuring an individual.
Premiums in Fullerton might be higher or lower than in other parts of California for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, premiums might be higher in areas with higher health care costs or a higher incidence of certain health conditions. Conversely, lower living costs or healthier lifestyles could result in lower premiums.
Protective offers the best life insurance in Fullerton for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Fullerton is $33. This cost is based on a 20-year term for males aged 31–40 with excellent health ratings.
Protective provides the best life insurance in Fullerton for women, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Fullerton is $27. This rate applies to a 20-year term for women aged 31–40 with excellent health ratings.
Life insurance in Fullerton is similar to the rest of California. Protective ranks highly statewide for affordability and customer satisfaction. Residents should compare policies to find the best fit for their needs.
If a life insurance company in Fullerton goes bankrupt, the California Life and Health Insurance Guarantee Association ensures policyholders are protected, covering claims up to certain limits.
Fullerton residents need life insurance for financial security. It helps cover expenses like mortgages, education, and daily living costs. Life insurance provides peace of mind, ensuring loved ones are taken care of.
Contact the insurance company directly to find a lost life insurance policy in Fullerton. Check bank statements for premium payments. Use online resources like the National Association of Insurance Commissioners' 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.
