Updated: November 22, 2024
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In Huntington Beach, California, Protective is the best life insurance provider for both men and women. It has a MoneyGeek score of 91 for men and 92 for women and average monthly premiums of $37 and $29, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding on what type of life insurance to buy. Your unique needs 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 Huntington Beach, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
Best Life InsuranceBest Life Insurance Companies in Huntington Beach
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 Huntington Beach for both men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $29 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Huntington Beach.
Protective is the premier life insurance provider for both men and women, boasting a MoneyGeek score of 91 and 92, respectively. The monthly premium for men is $37, while women benefit from a slightly lower rate of $29. Protective offers a blend of affordability and quality service that resonates with customers across genders.
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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 is the best term life insurance provider in Huntington Beach. It has a MoneyGeek score of 92 for men and women and an average monthly premium of $20 and $17, respectively. Its competitive premiums make it an accessible option for the average individual who prioritizes both cost and quality in their insurance selection.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
Protective is the leading provider of term life insurance for men and women in Huntington Beach, boasting a MoneyGeek score of 92 for each. The average monthly premiums are $20 for men and $17 for women, making it an appealing choice for those prioritizing both quality and affordability in their insurance selection.
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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 Huntington Beach, with a MoneyGeek score of 92 for both men and women. This company's high rating indicates a strong combination of customer satisfaction, financial stability and product diversity.
Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.
Protective stands out as the leading provider of whole life insurance in Huntington Beach for both men and women, with MoneyGeek scores of 92 for each. This reflects a consistent commitment to quality across different demographics, ensuring that all customers receive top-tier services and support.
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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 offers the best universal life insurance in Huntington Beach, boasting a MoneyGeek score of 91 for both men and women.
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For instance, someone who anticipates significant life changes, such as starting a business, may prefer universal life insurance for its adaptability.
Protective is the best universal life insurance provider in Huntington Beach for both men and women, with a MoneyGeek score of 91 for each. Its commitment to customer satisfaction and financial stability contributes to its top position in the market.
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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.
In Huntington Beach, Protective offers the best life insurance for those seeking coverage without a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam grants coverage without the need for a medical checkup, which is particularly beneficial for those with health concerns requiring immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective is the best choice for no-medical-exam life insurance in Huntington Beach for both men and women. With a MoneyGeek score of 91 for each, consumers can rely on this provider for their life insurance needs without the hassle of a medical exam.
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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.
In Huntington Beach, Protective is the top provider of best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The monthly premiums are approximately $95 and $81, respectively.
Age impacts life insurance premiums. As individuals age, the risk to insurers increases, often resulting in higher premiums. Protective's high MoneyGeek score indicates a balance between affordability and customer satisfaction, making it a compelling choice for seniors prioritizing financial stability and reliable coverage.
| 1 | Protective | $95 | 91 |
| 2 | Mutual of Omaha | $106 | 91 |
| 3 | Nationwide | $90 | 90 |
| 4 | Allstate | $86 | 89 |
| 5 | Transamerica | $87 | 88 |
| 6 | AAA | $119 | 88 |
| 7 | Prudential | $91 | 87 |
| 8 | State Farm | $139 | 86 |
| 9 | Haven | $187 | 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 is the best term life insurance for smokers in Huntington Beach, with MoneyGeek scores of 90 for men and 89 for women. Men can expect a monthly premium of about $102, while women will pay approximately $97.
Smoking influences life insurance premiums due to the health risks associated with it, which often leads to higher costs for smokers compared to nonsmokers. Mutual of Omaha balances affordability, customer satisfaction and financial stability. Selecting the right insurer is not just about the lowest price but also about the confidence that the company will support your beneficiaries when needed.
| 1 | Mutual of Omaha | $102 | 90 |
| 2 | Nationwide | $98 | 89 |
| 3 | AAA | $106 | 88 |
| 4 | Prudential | $80 | 88 |
| 5 | Transamerica | $94 | 87 |
| 6 | Protective | $166 | 87 |
| 7 | Haven | $102 | 86 |
| 8 | State Farm | $144 | 84 |
| 9 | Allstate | $141 | 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 is the best provider of term life insurance for young adults in Huntington Beach. It earns a MoneyGeek score of 92 and offers average monthly premiums of $10 for women and $11 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.
Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $15 | 91 |
| 3 | Nationwide | $15 | 90 |
| 4 | Allstate | $12 | 89 |
| 5 | Transamerica | $12 | 88 |
| 6 | AAA | $17 | 88 |
| 7 | Prudential | $18 | 85 |
| 8 | State Farm | $22 | 85 |
| 9 | Haven | $19 | 84 |
| 10 | Bestow | $26 | 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.
For the best cheap term life insurance in Huntington Beach, Protective stands out for both men and women. With a MoneyGeek Score of 92 and monthly premiums of $20 for men and $17 for women, Protective offers the best value for your term life insurance needs.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $20 | 92 |
| 2 | Allstate | $20 | 91 |
| 3 | Nationwide | $23 | 91 |
| 4 | Transamerica | $20 | 91 |
| 5 | Mutual of Omaha | $24 | 89 |
| 6 | AAA | $27 | 87 |
| 7 | Prudential | $27 | 85 |
| 8 | State Farm | $35 | 82 |
| 9 | Haven | $34 | 82 |
The average monthly premium for term life insurance in Huntington Beach, California, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Huntington Beach might be higher or lower compared to other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Huntington Beach has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective has the best life insurance in Huntington Beach for men, with a MoneyGeek score of 91 out of 100.
The monthly premium cost for the best life insurance for men in Huntington Beach is $37.
Protective has the best life insurance in Huntington Beach for women, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for women in Huntington Beach is $29.
Life insurance in Huntington Beach is similar to the rest of California. Premiums and coverage options are comparable. However, local factors like cost of living and health trends may influence individual rates. For example, Huntington Beach residents may pay slightly different premiums based on regional health statistics.
If a life insurance company goes bankrupt in Huntington Beach, state guaranty associations typically protect policyholders. These associations cover claims up to a certain limit, ensuring that policyholders still receive their benefits. It's important to check the specific coverage limits for California.
Huntington Beach residents need life insurance to provide financial security for their families. It helps cover expenses like mortgage payments, education costs, and daily living expenses. Life insurance can also help pay off debts and provide a safety net in case of unexpected events.
To find a lost life insurance policy in Huntington Beach, contact the insurance company directly. Check bank statements for premium payments. Use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator to search for 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.
