Updated: November 21, 2024
Advertising & Editorial Disclosure
For residents of Rialto, California, Protective stands out as the best life insurance provider for men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective offers top-rated coverage. The monthly premium is $20 for women and $24 for men, based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding on life insurance, as 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 Rialto, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceRialto, CABest Life Insurance Companies in Rialto
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 Rialto for men and women, with a MoneyGeek score of 91 for men and 92 for women. The average monthly premium is $37 for men and $29 for women.
The top providers for men are:
The top providers for women are:
Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Rialto.
Protective stands out as the top life insurance provider in Rialto, offering exceptional value for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective ensures peace of mind at a monthly premium of $24 for men and $20 for women.
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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 stands out as the provider of the best term life insurance in Rialto, with a MoneyGeek score of 92 for men and women. The monthly premiums are approximately $12 for men and $11 for women.
Protective's high score reflects its exceptional balance of affordability, customer satisfaction and financial stability, making it an optimal choice for individuals seeking reliable term life insurance coverage.
The top providers for men are:
The top providers for women are:
Term life insurance is a policy where coverage is provided for a specific term, such as 10, 20 or 30 years. It's a suitable option for those who need coverage to protect their family's financial future during their working years, such as covering a mortgage or funding a child's education, without the higher costs associated with permanent life insurance.
Protective stands out as the preferred option for term life insurance for women and men in Rialto, with a MoneyGeek score of 92 for both. Women and men can secure coverage at an approximate cost of $11 and $12 per month, respectively, making it both a high-scoring and cost-effective choice.
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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 emerges as the provider with the best whole life insurance in Rialto, with a MoneyGeek score of 92 for men and women. Protective's high scores reflect customer satisfaction and financial stability.
The top providers for men are:
The top providers for women are:
Whole life insurance provides lifelong coverage and includes an investment component known as cash value, which grows over time. For instance, someone might choose whole life insurance to ensure their family's financial stability while also accumulating savings they can access in the future.
Protective emerges as the leading provider of whole life insurance in Rialto for men and women, with a MoneyGeek score of 92. This score reflects the company's commitment to excellence across key areas of customer service and financial products.
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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 offers the universal life insurance in Rialto, with a MoneyGeek score of 91 for men and women. The top two providers, based on MoneyGeek scores, are as follows:
The top providers for men are:
The top providers for women are:
Universal life insurance offers a flexible premium and death benefit, along with the potential to build cash value over time. For instance, someone who wants the ability to adjust their premiums and coverage as their financial situation changes might opt for this insurance over more rigid policies.
In Rialto, Protective stands out as the premier choice for universal life insurance for men and women, with a MoneyGeek score of 91 for each. Customers can expect a blend of excellence in 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.
Protective emerges as the top provider of the best life insurance without a required medical exam in Rialto, with a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable life insurance without the hassle of a medical exam.
The top providers for men are:
The top providers for women are:
No-medical-exam life insurance allows people to obtain coverage quickly and without the need to undergo a health assessment. For example, someone with a busy lifestyle or a fear of medical procedures might opt for this type of insurance to secure their family's financial future with minimal inconvenience.
Protective stands out as the premier choice for no-medical-exam life insurance in Rialto, catering to men and women with a MoneyGeek score of 91. This accolade reflects the company's commitment to customer satisfaction and financial stability, ensuring policyholders receive quality service and peace of mind.
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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 Rialto, Protective emerges as the top provider of the best term life insurance for seniors, scoring 91 for men with a monthly premium of $58, and 90 for women with a monthly premium of $51.
Age significantly influences insurance premiums, with advancing years translating to increased costs due to higher associated risks. Protective's leading MoneyGeek score reflects its strong performance across customer satisfaction, financial stability and product diversity. This score is pivotal for seniors who prioritize reliability and comprehensive coverage in their insurance selection.
| 1 | Protective | $58 | 91 |
| 2 | Mutual of Omaha | $65 | 91 |
| 3 | Nationwide | $55 | 90 |
| 4 | Allstate | $52 | 89 |
| 5 | Transamerica | $53 | 88 |
| 6 | AAA | $73 | 88 |
| 7 | Prudential | $56 | 87 |
| 8 | State Farm | $85 | 86 |
| 9 | Haven | $114 | 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 Rialto, for smokers seeking the best term life insurance, Mutual of Omaha stands out with the highest MoneyGeek score of 91 for men and 89 for women. Men pay a monthly premium of about $62, while women pay $61.
Smoking is a key factor in life insurance premiums due to the increased health risks it poses, often leading to higher costs for smokers. Mutual of Omaha's top scores reflect a strong balance between affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $62 | 90 |
| 2 | Nationwide | $60 | 89 |
| 3 | AAA | $64 | 88 |
| 4 | Prudential | $49 | 88 |
| 5 | Transamerica | $57 | 87 |
| 6 | Protective | $101 | 87 |
| 7 | Haven | $62 | 86 |
| 8 | State Farm | $88 | 84 |
| 9 | Allstate | $86 | 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 Rialto, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $7.
Age significantly impacts life insurance premiums, with younger individuals typically benefiting from lower costs. Protective's high score reflects its strong performance in affordability, customer satisfaction, and financial stability, making it a top choice for young adults.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $10 | 88 |
| 7 | Prudential | $11 | 85 |
| 8 | State Farm | $13 | 85 |
| 9 | Haven | $12 | 84 |
| 10 | Bestow | $16 | 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 looking for the best cheap term life insurance in Rialto, Protective stands out with a MoneyGeek score of 92. The monthly premium is $11 for women and $12 for men.
Various factors influence the cost of life insurance premiums, including age, health, term length and coverage amount. To get the lowest premiums, maintain good health, choose a shorter term length and opt for a lower coverage amount.
Protective's high MoneyGeek score is due to its affordability, customer satisfaction and financial stability. This makes it an excellent choice for anyone seeking the best cheap term life insurance in Rialto.
| 1 | Protective | $12 | 92 |
| 2 | Allstate | $12 | 91 |
| 3 | Nationwide | $14 | 91 |
| 4 | Transamerica | $12 | 91 |
| 5 | Mutual of Omaha | $15 | 89 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $16 | 85 |
| 8 | State Farm | $21 | 82 |
| 9 | Haven | $21 | 82 |
The average monthly cost of term life insurance in Rialto is $18 for women and $23 for men. These figures highlight the gender difference in premium costs in the area. Many factors influence the cost of life insurance premiums. Age, health, lifestyle, occupation, policy type, and coverage amount all play a role in determining the final premium.
Additionally, local factors can affect the cost of life insurance in Rialto compared to the rest of California. Local health statistics, economic conditions and specific regional risk factors can lead to variations in premium costs. Understanding these elements can help residents make informed decisions about their life insurance options.
Protective offers the best life insurance in Rialto for men. It has the highest MoneyGeek score, which is 91. This score reflects its overall performance in affordability, customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in Rialto, provided by Protective, is $24. This cost is based on the data for men aged 31 to 40 in excellent health with a 20-year term and coverage between $250,000 and $500,000.
Protective offers the best life insurance in Rialto for women. It has the highest MoneyGeek score, which is 91. This score reflects its overall performance in affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for women in Rialto, provided by Protective, is $20. This cost is based on the data for women aged 31 to 40 in excellent health with a 20-year term and coverage between $250,000 and $500,000.
Life insurance in Rialto may have different premium costs and coverage options compared to the rest of California. For example, the monthly premiums for men and women in Rialto are $24 and $20, respectively, which may differ from other cities. Additionally, the overall MoneyGeek scores and rankings can vary based on local factors and company performance.
If a life insurance company goes bankrupt in Rialto, policyholders are generally protected by state guaranty associations. These associations ensure that claims are paid up to certain limits, providing a safety net for policyholders. It is important to check the specific limits and protections offered by the California Life and Health Insurance Guaranty Association.
Rialto residents might need life insurance to provide financial security for their families in case of unexpected death. Life insurance can cover funeral costs, pay off debts and ensure that dependents have financial support. It can also help in planning for future expenses such as college tuition or mortgage payments.
To find a lost life insurance policy in Rialto, start by checking personal records and contacting the deceased's financial advisors or attorneys. You can also inquire with the state's insurance department or use online search tools provided by organizations like the National Association of Insurance Commissioners (NAIC) to locate 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.
