Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Long Beach, California, for men and women. The MoneyGeek score for men is 92, with an average monthly premium of $27. For women, the MoneyGeek score is 91, with a monthly premium of $25. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding 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 Long Beach, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceLong Beach, CABest Life Insurance Companies in Long 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.
In Long Beach, Protective is the best life insurance provider for men and women. It has a MoneyGeek score of 92 and an average monthly premium of $27 for men. For women, it has a MoneyGeek score of 91 and an average monthly premium of $25. Protective's high affordability and customer satisfaction scores make it a strong choice for life insurance.
Top providers for men:
Top providers for women:
Protective stands out due to its balance of affordability and customer satisfaction, making it the best option for most individuals seeking life insurance in Long Beach.
Protective is the premier choice for life insurance in Long Beach, with a MoneyGeek score of 92 for men and 91 for women. The company offers a blend of value and security at an average monthly premium of $27 for men and $25 for women. Protective provides a reliable option for those seeking financial protection for their loved ones.
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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 provides the best term life insurance in Long Beach for men and women, with a MoneyGeek score of 92 and an average monthly premium of $14 for each. Its score reflects Protective's strong performance in affordability, customer satisfaction, financial stability and product diversity, making it a solid choice for individuals in the market for reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides coverage for a specific term, such as 10, 20 or 30 years. It's often chosen for its simplicity and lower premiums than permanent life insurance. For example, a young family might opt for term life insurance to ensure financial stability while paying off a mortgage or raising children.
Protective is the premier choice for men and women seeking term life insurance in Long Beach. With a MoneyGeek score of 92 and an average monthly premium of $14, the company provides a solid balance of affordability and reliability.
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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 provides the best whole life insurance in Long Beach for men and women, with a MoneyGeek score of 92 for each. Protective's balance of affordability, customer satisfaction, financial stability and product diversity makes it a solid choice for individuals looking for reliable coverage.
Top whole life companies for men in Long Beach:
Top whole life companies for women in Long Beach:
Whole life insurance provides lifelong coverage and a cash value component, making it an attractive option for those seeking a stable, long-term investment. For example, someone might choose whole life insurance over term life insurance to ensure that they have a guaranteed benefit for their beneficiaries, regardless of when they pass away.
Protective is the best provider for whole life insurance in Long Beach for men and women. With an overall MoneyGeek score of 92 for each gender, Protective stands out for its commitment to 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 provides the best universal life insurance in Long Beach for men and women, with a MoneyGeek score of 91 for each. When seeking a policy that offers financial stability and customer satisfaction, Protective's top score reflects a strong balance of affordability and product diversity.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance provides flexibility in premium payments and the potential for cash value growth. For instance, someone may choose universal life insurance for its ability to accumulate savings that can be borrowed against, which is not typically an option with term life insurance.
For those seeking the best universal life insurance in Long Beach, Protective is the leading choice for men and women. Its MoneyGeek score of 91 for both genders reflects its strong combination of customer satisfaction, affordability 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.
In Long Beach, Protective provides best no-medical-exam life insurance for men and women, with a MoneyGeek score of 91 for each. This score reflects the company's commitment to affordability, customer satisfaction, financial stability and product diversity, which are key factors for individuals seeking reliable life insurance without the inconvenience of a medical exam.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without a required medical exam is a policy that does not require a physical assessment for approval. It is an attractive option for those who need coverage quickly or have health concerns that could complicate the underwriting process. For instance, individuals with chronic conditions might choose this policy over traditional ones to avoid the potential of being denied coverage or facing high premiums due to their health status.
Protective is the premier choice for the best life insurance with no mandatory medical exam in Long Beach. With a MoneyGeek score of 91 for men and women, the company demonstrates a strong balance of customer satisfaction, affordability and financial stability. The company's commitment to these areas reflects its dedication to serving its clientele without compromising on quality or service.
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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 Long Beach, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premium is $64 for both genders.
Age is a determining factor in insurance premiums, with costs typically rising as policyholders age. Protective's top scores reflect its commitment to customer satisfaction and financial stability, essential for seniors who prioritize dependability in their life insurance provider.
| 1 | Protective | $64 | 91 |
| 2 | Mutual of Omaha | $72 | 91 |
| 3 | Nationwide | $61 | 90 |
| 4 | Allstate | $58 | 89 |
| 5 | Transamerica | $59 | 88 |
| 6 | AAA | $81 | 88 |
| 7 | Prudential | $62 | 87 |
| 8 | State Farm | $95 | 86 |
| 9 | Haven | $127 | 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 offers the best term life insurance for smokers in Long Beach, with a MoneyGeek score of 90 for men and 89 for women. Its average monthly premiums are $69 and $77, respectively.
Smokers face higher premiums due to the increased risks associated with tobacco use, which life insurance companies account for in their pricing. Mutual of Omaha's high scores reflect a balance of cost, customer satisfaction and financial stability, making it a top choice for smokers seeking reliable coverage.
| 1 | Mutual of Omaha | $69 | 90 |
| 2 | Nationwide | $66 | 89 |
| 3 | AAA | $72 | 88 |
| 4 | Prudential | $55 | 88 |
| 5 | Transamerica | $64 | 87 |
| 6 | Protective | $113 | 87 |
| 7 | Haven | $69 | 86 |
| 8 | State Farm | $98 | 84 |
| 9 | Allstate | $96 | 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.
For the best term life insurance for young adults in Long Beach, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $8 for both men and women. Protective's high rating is attributed to its affordability, strong customer satisfaction and financial stability.
Age significantly impacts the cost of life insurance premiums, with younger individuals generally benefiting from lower rates. Choosing the best term life insurance for young adults can be crucial for financial planning, and Protective offers a well-rounded option for those in Long Beach.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $11 | 88 |
| 7 | Prudential | $12 | 85 |
| 8 | State Farm | $15 | 85 |
| 9 | Haven | $13 | 84 |
| 10 | Bestow | $18 | 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 those seeking the best cheap term life insurance in Long Beach, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $14 for men and women. Protective achieves its high MoneyGeek score through affordability, high customer satisfaction and strong financial stability.
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.
| 1 | Protective | $14 | 92 |
| 2 | Allstate | $14 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Transamerica | $14 | 91 |
| 5 | Mutual of Omaha | $16 | 89 |
| 6 | AAA | $18 | 87 |
| 7 | Prudential | $18 | 85 |
| 8 | State Farm | $23 | 82 |
| 9 | Haven | $23 | 82 |
The average cost of term life insurance premiums in Long Beach, California, is $23 per month for women and $26 per month for men.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle, policy type and the amount of coverage. For instance, younger and healthier individuals typically pay lower premiums. Similarly, nonsmokers often receive better rates than smokers.
The cost of life insurance in Long Beach may differ from the rest of California due to various local factors. Health statistics, economic conditions, crime rates and environmental factors can all play a role. For example, areas with higher crime rates or poorer health statistics might see higher premiums. Conversely, regions with better overall health and lower crime could benefit from lower insurance costs.
Understanding these factors can help you make informed decisions about your life insurance policies and potentially find ways to reduce your premiums.
Protective has the best life insurance for men in Long Beach. This company has the highest MoneyGeek score of 92 out of 100, indicating it offers top-rated services in the area.
The average monthly premium for the best life insurance for men in Long Beach is $27. This cost is based on a policy from the highest-rated company, Protective.
Protective has the best life insurance for women in Long Beach. This company has the highest MoneyGeek score of 91 out of 100, indicating it offers top-rated services in the area.
The average monthly premium for the best life insurance for women in Long Beach is $25. This cost is based on a policy from the highest-rated company, Protective.
Life insurance in Long Beach is generally similar to the rest of California. However, local factors such as cost of living and regional health trends may influence premiums and coverage options. For example, higher living costs may result in higher premiums.
If a life insurance company goes bankrupt in Long Beach, state guaranty associations may step in to protect policyholders. These associations provide a safety net, ensuring that claims are paid and coverage continues up to certain limits.
Long Beach residents might need life insurance for financial security. It can cover final expenses, provide for dependents and pay off debts. Life insurance can also be part of estate planning, ensuring that loved ones are financially protected.
To find a lost life insurance policy in Long Beach, check with the state insurance department and contact the insurance company directly. You can also search personal records and consult with financial advisors who may have information about the policy.
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.
