Updated: December 24, 2024
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Protective is the best life insurance company in Pomona, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average premium of $29 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.
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 Pomona, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsurancePomona, CABest Life Insurance Companies in Pomona
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 Pomona for men and women, with a MoneyGeek score of 92 and a monthly premium of $21 for men, and a score of 91 and a monthly premium of $18 for women.
The top providers for men are:
The top providers for women are:
Protective is the best option for the average individual looking to purchase life insurance in Pomona due to its high MoneyGeek scores and affordable premiums for men and women. The consistency in its ratings indicates reliable value and quality, making it a dependable choice for consumers.
Protective emerges as the premier life insurance provider in Pomona for men and women, offering a harmonious blend of affordability and customer satisfaction. With a MoneyGeek Score of 91 for women and 92 for men, Protective ensures a seamless experience. Women enjoy a monthly premium of $18, while men have a slightly higher rate at $21.
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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.
In Pomona, Protective stands out as the provider of the best term life insurance for men and women, with a MoneyGeek score of 92 and monthly premiums of $11 for men and $10 for women. Protective's high score reflects its excellence in affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Term life insurance is designed for those seeking a straightforward, cost-effective way to provide financial protection for their loved ones. For instance, a parent might choose term life insurance to ensure their child's education expenses are covered if the unexpected occurs.
Protective stands out as the leading choice for term life insurance in Pomona for women and men, with a MoneyGeek score of 92 for both. With a monthly premium of $10 for women and $11 for men, it offers a blend of value and quality that is hard to beat.
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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.
In Pomona, Protective provides the best whole life insurance options for men and women, with a MoneyGeek score of 92. This score indicates that Protective excels in affordability, customer satisfaction, the buying process and financial stability.
The top providers for men are:
The top providers for women are:
Whole life insurance provides a fixed premium and death benefit, alongside a cash value component that grows over time. It's a permanent policy, unlike term life insurance, which only covers a specific period. For example, someone might choose whole life insurance to ensure lifelong coverage and to contribute to a financial legacy for their heirs.
Protective stands out as the premier choice for whole life insurance in Pomona, catering to men and women with a MoneyGeek score of 92. The company's commitment to excellence is reflected in its scores, indicating a reliable and satisfying experience for policyholders.
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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.
The best universal life insurance in Pomona is provided by Protective, with a MoneyGeek score of 91 for men and women. This score indicates that Protective offers a product that is not only financially stable but also customer-oriented, with high marks in affordability and customer satisfaction.
The top providers for men are:
The top providers for women are:
Universal life insurance is a flexible policy that combines life coverage with an investment savings element. For example, someone might choose universal life insurance over other types for its potential cash value growth and the ability to adjust premiums and benefits to suit changing life circumstances.
Protective emerges as the leading provider of universal life insurance in Pomona, earning the highest MoneyGeek scores of 91 for men and women. This distinction underscores Protective's commitment to delivering quality and value to its clients.
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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 without a required medical exam in Pomona, with a MoneyGeek score of 91 for both men and women. This high score suggests that Protective offers a robust combination of affordability, customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows individuals to obtain coverage quickly and without the need for a medical check-up. For example, someone with a busy lifestyle or a minor pre-existing condition might opt for this insurance type to avoid the lengthy process and potential complications of a traditional policy.
Protective stands out for its commitment to customer satisfaction and affordable premiums for men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.
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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.
For seniors in Pomona seeking the best term life insurance for seniors, Protective stands out with the highest MoneyGeek score for men and women. Men can expect a MoneyGeek score of 91 and a monthly premium of $51, while women receive a score of 90 with a $46 premium.
Age is a determining factor in life insurance premiums because the risk to the insurer generally increases with the policyholder's age. Protective's top scores reflect its commitment to customer satisfaction, affordability and financial stability, making it a solid choice for seniors prioritizing these aspects in their insurance provider.
| 1 | Protective | $51 | 91 |
| 2 | Mutual of Omaha | $57 | 91 |
| 3 | Nationwide | $48 | 90 |
| 4 | Allstate | $46 | 89 |
| 5 | Transamerica | $47 | 88 |
| 6 | AAA | $64 | 88 |
| 7 | Prudential | $49 | 87 |
| 8 | State Farm | $75 | 86 |
| 9 | Haven | $101 | 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.
In Pomona, Mutual of Omaha provides the best term life insurance for smokers, with the highest MoneyGeek score of 91 for men and 89 for women, and a monthly premium of $55. Smoking is a factor in determining life insurance premiums due to the health risks it poses, often leading to higher costs for smokers.
Mutual of Omaha's top score indicates a strong balance in affordability, customer satisfaction, and financial stability.
| 1 | Mutual of Omaha | $55 | 90 |
| 2 | Nationwide | $53 | 89 |
| 3 | AAA | $57 | 88 |
| 4 | Prudential | $43 | 88 |
| 5 | Transamerica | $51 | 87 |
| 6 | Protective | $89 | 87 |
| 7 | Haven | $55 | 86 |
| 8 | State Farm | $77 | 84 |
| 9 | Allstate | $76 | 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.
The best term life insurance for young adults in Pomona is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $7 for men and $6 for women.
Age plays a significant role in determining life insurance premiums. Younger adults typically benefit from lower premiums due to their lower risk of health issues. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $8 | 91 |
| 3 | Nationwide | $8 | 90 |
| 4 | Allstate | $7 | 89 |
| 5 | Transamerica | $7 | 88 |
| 6 | AAA | $9 | 88 |
| 7 | Prudential | $10 | 85 |
| 8 | State Farm | $12 | 85 |
| 9 | Haven | $10 | 84 |
| 10 | Bestow | $14 | 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 Pomona, Protective stands out for men and women with a MoneyGeek score of 92. Men can expect a monthly premium of $11, while women will pay $10.
Factors that impact life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain good health, avoid tobacco and choose a shorter term length. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
| 1 | Protective | $11 | 92 |
| 2 | Allstate | $11 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $11 | 91 |
| 5 | Mutual of Omaha | $13 | 89 |
| 6 | AAA | $15 | 87 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $19 | 82 |
| 9 | Haven | $18 | 82 |
The average monthly premium for term life insurance in Pomona, California, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in Pomona might be different from other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Pomona has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective has the best life insurance for men in Pomona, with a MoneyGeek score of 92. This makes it a top choice for male residents seeking reliable life insurance coverage.
The monthly premium cost for the best life insurance for men in Pomona is $21. This rate offers a balance of affordability and comprehensive coverage for male policyholders.
Protective also offers the best life insurance for women in Pomona, with a MoneyGeek score of 91. Female residents can rely on Protective for their life insurance needs.
The monthly premium cost for the best life insurance for women in Pomona is $18. This cost-effective option provides excellent coverage for female policyholders.
Life insurance in Pomona is comparable to the rest of California. The same companies offer coverage, and the policies adhere to state regulations. Premiums and coverage options are consistent across the state, ensuring uniformity for all residents.
If a life insurance company goes bankrupt in Pomona, policyholders are protected by state guaranty associations. These associations ensure that claims are paid and policies are honored, providing peace of mind to policyholders.
Pomona residents might need life insurance for several reasons, including financial security for their families, covering debts and ensuring a legacy. Life insurance can provide peace of mind and financial stability in the event of unexpected death.
To find a lost life insurance policy in Pomona, check with the insurer, contact the state insurance department or use online tools. These resources can help locate the policy and ensure coverage is maintained.
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.
