Updated: November 21, 2024
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In Pasadena, California, the best life insurance provider for men and women is Protective. With a MoneyGeek score of 91, Protective offers a monthly premium of $34 for a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider various factors such as your age, health and financial goals. These scores and premium costs are based on a 20-year term policy and $500,000 coverage, but 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 Pasadena, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsurancePasadena, CABest Life Insurance Companies in Pasadena
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 Pasadena for men and women, with a MoneyGeek score of 92 and a monthly premium of $34 for men, and a score of 91 and a monthly premium of $34 for women.
The top providers for men are:
The top providers for women are:
Protective stands out due to its high MoneyGeek scores and affordability. This combination makes it a reliable and cost-effective choice for the average individual seeking life insurance in Pasadena.
Protective stands out as the best life insurance provider in Pasadena for men and women, offering a harmonious blend of affordability and customer satisfaction. With MoneyGeek scores rounding to 91 for both, Protective ensures financial security with a monthly premium of $34 for men and women alike.
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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 Pasadena, with a MoneyGeek score of 92 for men and women. The monthly premium for men is $17, while for women, it's $18. This score reflects Protective's excellence in affordability, customer satisfaction and financial stability, making it an ideal choice for individuals seeking reliable term life insurance coverage.
The top providers for men are:
The top providers for women are:
Term life insurance offers coverage for a specific period, which can be vital for those with temporary financial obligations or who want to ensure their family's financial stability. For instance, a parent might purchase a 20-year term policy to cover the period until their children are financially independent.
Protective stands out as the top choice for term life insurance in Pasadena for women and men, boasting an impressive MoneyGeek score of 92 for both. With a monthly premium of just $18 for women and $17 for men, Protective offers a 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.
For people in Pasadena looking for the best whole life insurance, Protective stands out with a top MoneyGeek score of 91 for men and women. This score indicates a strong performance across affordability, customer satisfaction, buying process and financial stability.
The top providers for men are:
The top providers for women are:
Whole life insurance offers a guaranteed death benefit, fixed premiums and a cash value component, which can be appealing for those seeking a consistent and reliable insurance product. For example, someone might prefer whole life insurance to ensure lifelong coverage and to accumulate cash value that can be borrowed against if needed.
Protective is the premier whole life insurance provider in Pasadena, achieving the highest MoneyGeek score of 92 for men and women. This reflects the company's commitment to overall customer satisfaction and financial stability.
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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 stands out with the universal life insurance in Pasadena for men and women, with a MoneyGeek score of 91. This score reflects the company's commitment to affordability, customer satisfaction and financial stability. For the average person, selecting Protective means choosing a provider that excels in key areas important for long-term insurance investment.
The top providers for men are:
The top providers for women are:
Universal life insurance offers flexibility in premiums and death benefits, making it a suitable option for those seeking a customizable insurance plan. For instance, someone might choose this insurance over term life insurance for the potential of cash value accumulation, which can serve as a financial resource during their lifetime.
Protective emerges as the premier provider of universal life insurance in Pasadena, securing the top spot for men and women with a MoneyGeek score of 91. This score reflects a harmonious blend of affordability, 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 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 Pasadena, Protective provides the best life insurance without a required medical exam for men and women, with a MoneyGeek score of 91. For the average person, this translates to a reliable choice backed by strong customer satisfaction and financial stability ratings.
Protective's high score indicates a seamless buying process and product diversity that can cater to various needs without the hassle of a medical exam.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance is a policy that does not require a medical examination for approval, which can be ideal for those who need coverage quickly or have health concerns that might disqualify them from traditional policies. For instance, an individual with a chronic illness might opt for this insurance to secure a policy without the stress of medical underwriting.
In Pasadena, Protective stands out as the premier choice for no-medical-exam life insurance for men and women, with a MoneyGeek score of 91. The company's commitment to customer satisfaction and financial stability makes it a reliable option for people seeking coverage without the hassle of medical exams.
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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.
Protective emerges as the provider with the best term life insurance for seniors in Pasadena, with a MoneyGeek score of 91 for men and 90 for women. Men can expect a monthly premium of about $81, while women's premiums are approximately $86.
Age is a determining factor in insurance costs; premiums typically increase as policyholders age, reflecting the higher risk associated with older age groups. Protective's top score indicates a robust balance of affordability, customer satisfaction, and financial stability, which is vital for seniors prioritizing security and value in their life insurance choices.
| 1 | Protective | $81 | 91 |
| 2 | Mutual of Omaha | $91 | 91 |
| 3 | Nationwide | $77 | 90 |
| 4 | Allstate | $74 | 89 |
| 5 | Transamerica | $74 | 88 |
| 6 | AAA | $102 | 88 |
| 7 | Prudential | $78 | 87 |
| 8 | State Farm | $119 | 86 |
| 9 | Haven | $160 | 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 Pasadena, with a MoneyGeek score of 90 for men and 89 for women. The monthly premium for men is $87, while for women, it's $103.
Smoking impacts life insurance premiums because insurers view smokers as high-risk clients due to the health complications associated with tobacco use. This risk is reflected in higher premiums. Mutual of Omaha's high MoneyGeek score indicates a strong balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $87 | 90 |
| 2 | Nationwide | $84 | 89 |
| 3 | AAA | $91 | 88 |
| 4 | Prudential | $69 | 88 |
| 5 | Transamerica | $81 | 87 |
| 6 | Protective | $142 | 87 |
| 7 | Haven | $87 | 86 |
| 8 | State Farm | $123 | 84 |
| 9 | Allstate | $121 | 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 Pasadena, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $11 for women and $10 for men. Age significantly impacts life insurance premiums, with younger adults typically benefiting from lower costs.
Protective achieved the highest MoneyGeek score due to its affordability, customer satisfaction and financial stability. Its competitive pricing and strong financial standing make it an excellent choice.
| 1 | Protective | $10 | 92 |
| 2 | Mutual of Omaha | $13 | 91 |
| 3 | Nationwide | $12 | 90 |
| 4 | Allstate | $11 | 89 |
| 5 | Transamerica | $11 | 88 |
| 6 | AAA | $14 | 88 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $19 | 85 |
| 9 | Haven | $16 | 84 |
| 10 | Bestow | $22 | 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 Pasadena, Protective stands out for men and women. With a MoneyGeek score of 92 and monthly premiums of $18 for women and $17 for men, Protective offers a balanced mix of affordability, customer satisfaction, and financial stability.
Various factors influence life insurance premiums, including age, health, coverage amount and term length. To secure the lowest premiums, maintain good health, opt for a shorter term and choose a lower coverage amount. Protective's high MoneyGeek score reflects its strong performance in customer satisfaction and financial stability.
| 1 | Protective | $17 | 92 |
| 2 | Allstate | $17 | 91 |
| 3 | Nationwide | $20 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $21 | 89 |
| 6 | AAA | $23 | 87 |
| 7 | Prudential | $23 | 85 |
| 8 | State Farm | $30 | 82 |
| 9 | Haven | $29 | 82 |
The average monthly premium for term life insurance in Pasadena is $31 for women and $32 for men. Several factors can affect the cost of life insurance premiums. These include age, health, lifestyle, and location. For instance, younger individuals or those in good health typically pay lower premiums. Lifestyle choices, such as smoking or engaging in high-risk activities, can increase costs.
In Pasadena, the cost of life insurance might be different from the rest of California due to local factors. These could include the cost of living, average income levels and regional health statistics. Understanding these variables can help consumers make more informed decisions about their life insurance needs.
Protective has the best life insurance in Pasadena for men. The company scores the highest on MoneyGeek's rating system, making it a reliable choice.
The monthly premium cost for the best life insurance for men in Pasadena is $34. This makes it an affordable option for many residents.
Protective also offers the best life insurance in Pasadena for women. The company has the highest MoneyGeek score, ensuring quality coverage.
The monthly premium cost for the best life insurance for women in Pasadena is $34. This rate provides good value for comprehensive coverage.
Life insurance in Pasadena is similar to the rest of California. Protective offers competitive rates and high scores for men and women. The consistency in quality and affordability makes Pasadena's market representative of broader state trends.
If a life insurance company goes bankrupt in Pasadena, policies are usually protected by state guaranty associations. These associations ensure policyholders receive coverage up to certain limits, providing a safety net.
Pasadena residents need life insurance for financial security and peace of mind. It helps cover expenses like mortgage payments, education costs and final expenses, ensuring loved ones are financially protected.
To find a lost life insurance policy in Pasadena, contact the insurance company, check bank statements for premium payments, or use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
