Best Life Insurance in Irvine, CA (September 2024)

Protective is the best life insurance company in Irvine, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $52. For women, the MoneyGeek score is 92, with an average premium of $38 per month.

Different factors influence life insurance decisions, and these scores and premium costs are based on a 20-year term policy with $500,000 coverage. Your unique needs may mean a different company is best for you.

Protective offers the best life insurance in Irvine for both men and women, with a MoneyGeek score of 92 out of 100 at an average of $52 per month for men and 91 out of 100 at an average of $38 per month for women.

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $52 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $64 per month for men

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $38 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $47 per month for women

Protective stands out due to its high affordability and customer satisfaction scores. This makes it a reliable choice for the average individual looking to purchase life insurance in Irvine.

Protective offers the best term life insurance in Irvine. It boasts a MoneyGeek score of 92 for both men and women and average monthly premiums of $27 for men and $21 for women. It offers a balance of affordability, customer satisfaction and financial stability, making it an optimal choice for the average individual seeking reliable coverage without overpaying for premiums.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $27 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $32 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $21 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $28 per month for women

Term life insurance is a straightforward insurance product designed to offer peace of mind over a specific period. For instance, a parent might purchase a 20-year term policy to ensure their child's education costs are covered in the event of an unforeseen circumstance. It's a practical solution for those who need coverage for a defined time frame, often resulting in lower premiums than permanent life insurance options.

Protective provides the best whole life insurance in Irvine for both men and women, with a MoneyGeek score of 92. This score suggests that Protective stands out in affordability, customer satisfaction, buying process and financial stability, which are crucial for the average individual seeking a reliable life insurance policy.

Top two providers of whole life insurance:

• Protective: MoneyGeek score of 92 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 91 out of 100 for men and women

Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. For example, someone might choose whole life insurance for the peace of mind that comes with fixed premiums and the potential to borrow against the policy's cash value in the future.

For individuals in Irvine seeking the best universal life insurance, Protective is the top choice for both men and women, boasting a MoneyGeek score of 91. The top two providers, based on MoneyGeek scores are as follows:

• Protective: MoneyGeek score of 91 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

Universal life insurance is a flexible type of permanent life insurance that combines a death benefit with a savings component. This can be particularly advantageous for those who value the ability to adjust their premiums and coverage amounts over time. For example, someone might choose universal life insurance to ensure long-term financial support for their beneficiaries while also accumulating cash value that can be borrowed against if needed.

In Irvine, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.

Here are the top providers of no-medical-exam life insurance:

• Protective: MoneyGeek score of 91 out of 100 for men and women
• Mutual of Omaha: MoneyGeek score of 90 out of 100 for men and women

No medical exam life insurance policies offer coverage without the need for a medical checkup. This can be beneficial for those with health concerns or who require immediate coverage. For example, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.

For those seeking the best term life insurance for seniors in Irvine, Protective stands out for both men and women. It earned a MoneyGeek score of 91 for men with an average monthly premium of $126, and a score of 90 for women with a monthly premium of $97.

Age is a determining factor in life insurance costs, with premiums typically increasing as one ages. This reflects the higher risk associated with insuring older individuals. Protective's high MoneyGeek score signifies a strong balance between affordability, customer satisfaction and financial stability, making it a top choice for seniors looking for reliable coverage.

For those seeking the best term life insurance for smokers in Irvine, Mutual of Omaha stands out for both men and women. The company boasts a MoneyGeek score of 90 and a monthly premium of $136 for men, and a score of 89 with a $116 premium for women.

Smoking status is a significant factor in life insurance premiums due to the associated health risks, which often result in higher costs for smokers. Mutual of Omaha's high score reflects its strong performance across customer satisfaction, financial stability and product diversity.

For those seeking the best term life insurance for young adults in Irvine, Protective stands out with a MoneyGeek Score of 92 and an average monthly premium of $12 for women and $16 for men.

Age significantly affects the cost of life insurance premiums. Younger adults typically pay lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, excellent customer satisfaction and strong financial stability.

For the best cheap term life insurance in Irvine, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $21 for women and $27 for men. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability, making it a top choice for those seeking the best cheap term life insurance in Irvine.

Factors affecting life insurance premiums include age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, choose a shorter term, and opt for a lower coverage amount if possible.

The average cost of term life insurance in Irvine is $35 per month for women and $50 per month for men.

Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation coverage amount, and policy term. Each of these factors can influence how much you pay for life insurance.

In Irvine, the cost of life insurance might be higher or lower compared to the rest of California due to various regional factors. Local health statistics, cost of living, and regional risk factors can all play a role in determining premiums. Understanding these factors can help you make informed decisions about your life insurance needs.