Best Life Insurance in Oxnard, CA (November 2024)

The best life insurance company in Oxnard, California, for both men and women is Protective. For women, Protective has a MoneyGeek score of 91 and a monthly premium of $21. For men, Protective has a MoneyGeek score of 92 and a monthly premium of $22.

When deciding on life insurance, consider factors such as coverage needs, term length, and your health rating. 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.

If you are looking for the best life insurance in Oxnard, Protective stands out for men and women with a MoneyGeek score of 92 and 91 out of 100, respectively, and a monthly premium of $22 for men and $21 for women.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $22 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 91 out of 100 at $21 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for women

Protective's high MoneyGeek scores and affordable premiums make it the best choice for the average person looking to purchase life insurance in Oxnard. The company offers a strong balance of affordability, customer satisfaction and financial stability, ensuring reliable coverage for policyholders.

For those seeking the best term life insurance in Oxnard, Protective emerges as the top choice for men and women, boasting a MoneyGeek score of 92 and a monthly premium of $11 for men and $12 for women. This company stands out for its combination of affordability, customer satisfaction and financial stability.

The top providers for men are:

• Protective: MoneyGeek score of 92 out of 100 at $11 per month for men
• Mutual of Omaha: MoneyGeek score of 90 out of 100 at $13 per month for men

The top providers for women are:

• Protective: MoneyGeek score of 92 out of 100 at $12 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $16 per month for women

Term life insurance is a policy where coverage is provided for a specific period. For example, someone might choose term life insurance over permanent insurance to secure a lower premium while covering potential financial obligations such as a mortgage or education costs during their working years.

Protective provides the best whole life insurance in Oxnard for men and women, each with a MoneyGeek score of 92. This score indicates a robust offering that balances cost-effectiveness with customer satisfaction and financial stability.

The top providers for men are:

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

The top providers for women are:

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

Whole life insurance is a permanent policy that not only provides a death benefit but also accumulates cash value over time. For example, someone might choose whole life insurance over term life insurance to ensure lifelong coverage and to potentially build savings that can be borrowed against if needed.

Protective provides the best universal life insurance in Oxnard for men and women. The MoneyGeek score for men and women is 91, reflecting a strong performance across multiple categories. Protective offers a combination of affordability, customer satisfaction, and financial stability.

The top providers for men are:

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

The top providers for women are:

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

Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. It can accumulate cash value over time, which policyholders can borrow against. For example, someone might choose for the potential to grow their investment while maintaining life insurance coverage.

In Oxnard, Protective provides the best life insurance with no mandatory medical exam for men and women, boasting a MoneyGeek score of 91. This company excels in providing a product that balances cost with customer service and financial stability, making it an optimal choice for individuals seeking reliable coverage without the hassle of a medical exam.

The top providers for men are:

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

The top providers for women are:

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

No-medical-exam life insurance is a policy that grants coverage without the need for a medical check-up. This can be particularly appealing for those with health concerns or who require immediate coverage. For example, someone with a chronic illness might opt for this insurance over traditional policies to avoid potential denial or high premiums based on their health status.

Protective provides the best term life insurance for seniors, earning a MoneyGeek score of 91 for men and 90 for women, with monthly premiums of $52 and $55, respectively.

Age is a pivotal factor in determining life insurance premiums, as the risk to insurers typically increases with the policyholder's age. Protective's high MoneyGeek score reflects its balance of affordability, customer satisfaction, and financial stability, which are key considerations for seniors when selecting a reliable insurance provider.

For those seeking the best term life insurance for smokers in Oxnard, Mutual of Omaha stands out for men and women. With a MoneyGeek score of 91 for men and 89 for women, and monthly premiums of $56 and $65, respectively, this company offers competitive rates for smokers.

Smoking is a key factor in determining life insurance premiums due to the associated health risks. Insurers often charge higher rates for smokers to account for this increased risk. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability, and product diversity, making it an attractive option for smokers who want to ensure their life insurance needs are met without compromising on quality or affordability.

For the best term life insurance for young adults for young adults in Oxnard, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $7 for men and women.

Age plays a significant role in determining the cost of life insurance premiums. Younger adults typically enjoy lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.

For the best cheap term life insurance in Oxnard, Protective stands out for men and women, with a MoneyGeek score of 92 and a monthly premium of $11.

Various factors affect life insurance premiums, including age, health rating, and coverage amount. To secure the lowest premiums, individuals should maintain good health and choose appropriate coverage levels. Protective's high scores in affordability, customer satisfaction, and financial stability make it a top choice.

The average cost of term life insurance in Oxnard is $20 per month for women and $21 per month for men. These figures are rounded to the nearest whole number for clarity. Several factors affect life insurance premiums, including age, health, lifestyle, coverage amount, and term length.

In Oxnard, the cost of life insurance may be influenced by local health statistics, the cost of living, and regional risk factors. Understanding these factors can help consumers make informed decisions when purchasing life insurance.