Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Orange, California, for both men and women. The MoneyGeek score for men is 92, and for women, it is 91. The monthly premium for both is $32. This ranking considers a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding on life insurance, such as personal health, financial stability, and coverage needs. Your unique situation might 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 Orange, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceOrange, CABest Life Insurance Companies in Orange
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 Orange, California, Protective offers the best life insurance for both men and women with a MoneyGeek score of 92 for men and 91 for women, at a monthly premium of $32 for both. This makes Protective the top choice for life insurance in Orange.
The top providers for men are:
The top providers for women are:
Protective's high scores and affordable premiums make it the best option for the average individual looking to purchase life insurance in Orange. The combination of customer satisfaction, financial stability and affordability ensures that policyholders get the best value for their money.
In Orange, California, Protective emerges as the best life insurance provider for men and women. With a MoneyGeek score of 92 for men and 91 for women, it stands out for its high customer satisfaction and solid financial stability. Men and women pay an approximate monthly premium of $32, ensuring affordability alongside quality 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective provides the best term life insurance in Orange, with a MoneyGeek score of 92 for men and women. The monthly premiums are $16 for men and $17 for women. This company stands out for its exceptional customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Term life insurance is a straightforward protection plan that covers individuals for a specific period. For example, a parent might choose term insurance to ensure their child's education costs are covered in the event of their untimely passing.
For women and men seeking the best term life insurance in Orange, Protective emerges as the top choice. With a MoneyGeek score of 92 for both, it offers a monthly premium of $17 for women and $16 for men.
Protective stands out for its affordability and customer satisfaction, making it a solid option for those prioritizing cost and service quality. However, consumers should consider aspects of the buying process and product diversity when making their decision.
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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 Orange, with a MoneyGeek score of 92 for men and women. This score suggests that Protective stands out for its combination of affordability, customer satisfaction and financial stability, which are key factors for individuals seeking reliable whole life insurance coverage.
The top providers for men are:
The top providers for women are:
Whole life insurance is a permanent policy that provides coverage for the insured's entire lifetime. Unlike term insurance, which only covers a specific period, whole life insurance includes an investment component that can accumulate cash value. For example, someone might choose whole life insurance to ensure lifelong protection and the potential to borrow against the policy's value in the future.
Protective stands out as the premier choice for the best whole life insurance in Orange, earning a MoneyGeek score of 92 for men and women. The company's exceptional performance across multiple categories underscores its commitment to providing quality service and value to its customers.
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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.
In Orange, Protective stands out with the best universal life insurance, with a MoneyGeek score of 91 for both men and women. This score reflects Protective's superior performance across key metrics including affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexibility and the potential for cash value growth, which can be appealing for those who want to combine a death benefit with a savings element. For example, someone might choose universal life insurance over term life insurance if they are interested in a policy that can contribute to their long-term financial plans while providing life insurance coverage.
Protective stands out as the top provider for universal life insurance in Orange, earning the highest MoneyGeek score of 91 for both men and women. This distinction is based on a balanced combination of affordability, customer satisfaction, and financial stability, making it a solid choice for consumers seeking reliable insurance coverage.
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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.
Protective provides the best life insurance with no mandatory medical exam in Orange, with a MoneyGeek score of 91 for men and women. This score indicates a high level of customer satisfaction and financial stability, which are critical factors for anyone considering life insurance.
Protective's top ranking reflects its commitment to affordability and product diversity, making it a solid choice for the average individual seeking life insurance without a medical exam.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage without undergoing a health assessment, which can be an appealing option for those with health concerns or a need for quick coverage. For instance, someone with a chronic condition may opt for to avoid the potential of being denied coverage or facing higher premiums based on their health status.
For those seeking the best no-medical-exam life insurance in Orange, Protective emerges as the top choice for men and women. With an impressive MoneyGeek Score of 91 for each gender, Protective stands out for its commitment to customer satisfaction and financial stability.
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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.
When searching for the best term life insurance for seniors in Orange, Protective stands out with the highest MoneyGeek score of 91 for men and 90 for women. Men can expect a monthly premium of $76, while women's premium is $82.
Age is a determining factor in life insurance premiums; as people age, the likelihood of health issues increases, which in turn raises the cost of insurance. Protective's top MoneyGeek score reflects its excellence in affordability, customer satisfaction and financial stability. These factors are paramount for seniors who require dependable coverage without overextending their finances.
| 1 | Protective | $76 | 91 |
| 2 | Mutual of Omaha | $85 | 91 |
| 3 | Nationwide | $72 | 90 |
| 4 | Allstate | $69 | 89 |
| 5 | Transamerica | $69 | 88 |
| 6 | AAA | $95 | 88 |
| 7 | Prudential | $73 | 87 |
| 8 | State Farm | $111 | 86 |
| 9 | Haven | $150 | 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.
For people seeking the best term life insurance for smokers in Orange, Mutual of Omahastands out for men and women. For men, the company holds a MoneyGeek score of 90 with a monthly premium of $82. For women, the score is 89 with a premium of $97.
Smoking is a key factor in determining life insurance premiums due to the associated health risks, which can lead to higher costs for smokers. Mutual of Omaha's top scores reflect its commitment to customer satisfaction, financial stability, and a diverse range of products, making it an attractive option for those in search of reliable coverage.
| 1 | Mutual of Omaha | $82 | 90 |
| 2 | Nationwide | $78 | 89 |
| 3 | AAA | $85 | 88 |
| 4 | Prudential | $64 | 88 |
| 5 | Transamerica | $75 | 87 |
| 6 | Protective | $133 | 87 |
| 7 | Haven | $81 | 86 |
| 8 | State Farm | $115 | 84 |
| 9 | Allstate | $113 | 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 Orange, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $10 for men and women.
Age plays a significant role in determining life insurance premiums, with younger adults generally benefiting from lower rates. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction 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 | $13 | 88 |
| 7 | Prudential | $14 | 85 |
| 8 | State Farm | $17 | 85 |
| 9 | Haven | $15 | 84 |
| 10 | Bestow | $21 | 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 Orange, Nationwide tops the list for men with a MoneyGeek score of 93 and an average monthly premium of $17. For women, Protective is the leading provider, with a MoneyGeek score of 92 and a monthly premium of $16.
Nationwide scores high due to its easy buying process and affordability, while Protective excels in customer satisfaction and financial stability.
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 | $16 | 92 |
| 2 | Allstate | $16 | 91 |
| 3 | Nationwide | $18 | 91 |
| 4 | Transamerica | $16 | 91 |
| 5 | Mutual of Omaha | $19 | 89 |
| 6 | AAA | $22 | 87 |
| 7 | Prudential | $22 | 85 |
| 8 | State Farm | $28 | 82 |
| 9 | Haven | $27 | 82 |
The average monthly premium for term life insurance in Orange is $29 for women and $30 for men. Various factors can influence these premiums, including age, health, lifestyle, occupation, policy type and coverage amount. These elements play a significant role in determining the cost of life insurance.
In Orange, the cost of life insurance might differ from other parts of California due to local health statistics, cost of living, competition among insurers and regional risk factors. For instance, if Orange has higher healthcare costs or a higher prevalence of certain health conditions, this could lead to higher premiums. Conversely, a competitive insurance market in the area could drive premiums down.
Understanding these factors can help consumers make informed decisions when purchasing life insurance. It's essential to consider both personal and regional factors when evaluating insurance options.
Protective has the best life insurance in Orange for men, with a MoneyGeek score of 92. This score reflects the company's strong performance in customer satisfaction, affordability and financial stability.
The monthly premium cost for the best life insurance for men in Orange is approximately $32. This cost is based on a policy from Protective, which offers a good balance of affordability and comprehensive coverage.
Protective has the best life insurance in Orange for women, with a MoneyGeek score of 91. This score indicates the company's high ratings in customer satisfaction, affordability and financial stability.
The monthly premium cost for the best life insurance for women in Orange is approximately $32. Protective offers this policy, providing a good mix of affordability and comprehensive coverage.
Life insurance in Orange does not significantly differ from the rest of California based on the provided data. Protective offers the best policies for both men and women in Orange, similar to other cities in California. The premiums and coverage options are comparable across the state.
If a life insurance company goes bankrupt in Orange, policyholders are typically protected by state guaranty associations. These associations cover claims up to a certain limit, ensuring that policyholders do not lose their coverage. It's important to check the specific limits and protections offered by the California Life and Health Insurance Guarantee Association.
Orange residents might need life insurance to provide financial security for their families. Life insurance can cover funeral expenses, pay off debts and replace lost income. It can also help with future expenses like college tuition for children. Having a policy ensures that loved ones are financially protected in case of unexpected events.
To find a lost life insurance policy in Orange, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance for assistance. Additionally, the National Association of Insurance Commissioners provides a policy locator service to help beneficiaries find 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.
