Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Riverside, California for men and women. The MoneyGeek score for men is 92, with a monthly premium cost of $25. For women, the MoneyGeek score is 91, with a monthly premium cost of $23. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors should be considered when deciding on what type of life insurance to buy. 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 Riverside, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceRiverside, CABest Life Insurance Companies in Riverside
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.
The best life insurance in Riverside is from Protective, which stands out for men and women with a MoneyGeek score of 92 and a monthly premium of $25 for men, and a score of 91 with a $23 monthly premium for women.
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 Riverside. Its strong performance across affordability, customer satisfaction, and financial stability ensures that you get reliable coverage without breaking the bank.
Protective is the premier life insurance provider in Riverside, offering exceptional value to men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective combines affordability with high customer satisfaction. Men can expect a monthly premium of around $25, while women are quoted approximately $23.
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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 Riverside, with a MoneyGeek score of 92 for men and 92 for women, and a monthly premium of $13 for both. This ranking indicates that Protective offers a balance of affordability, customer satisfaction, and financial stability.
The top providers for women are:
The top providers for women are:
Term life insurance is a policy where a beneficiary is paid a specified amount if the insured person dies within a set term. For example, a parent might purchase term life insurance to ensure their child's education is funded in the event of their untimely death.
Protective stands out as the premier choice for term life insurance in Riverside for women and men, with a MoneyGeek score of 92 for both. Women and men seeking a policy from Protective can expect a monthly premium of approximately $13 for both.
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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.
The best whole life insurance provider in Riverside for men and women is Protective, with a MoneyGeek score of 92. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a solid choice for anyone in the market for whole life insurance.
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 opt for whole life insurance to ensure they leave a financial legacy for their heirs, regardless of when they pass away.
Protective emerges as the premier choice for whole life insurance in Riverside, offering robust coverage to men and women. With an impressive MoneyGeek score of 92 for both, Protective stands out for its commitment to 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 in Riverside, offering the best universal life insurance with a MoneyGeek score of 91 for men and women. This score reflects Protective's commitment to affordability, customer satisfaction and financial stability, making it a solid choice for individuals seeking a reliable insurance product.
The top providers for men are:
The top providers for women are:
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For example, someone who experiences a significant life change, like a new baby or a mortgage, might choose universal life insurance for its adaptability.
Protective stands out as the best provider of universal life insurance in Riverside for men and women, with a MoneyGeek score of 91 for each. The company's exceptional performance across multiple categories underscores its reliability and value to customers seeking life 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.
In Riverside, Protective provides the best life insurance with no mandatory medical exam for men and women, with a MoneyGeek score of 91 out of 100. The company's high score indicates a strong combination of affordability, customer satisfaction, buying process, financial stability and product diversity.
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 examination, which can be ideal for those with health concerns or a need for quick coverage. For example, someone with a chronic illness might choose this insurance to avoid the potential for higher premiums or denial of coverage associated with traditional policies.
Protective stands out as the top choice for no-medical-exam life insurance in Riverside, catering to men and women. With a MoneyGeek score of 91 for each, Protective offers a balance of value and reliability. Consumers can confidently choose Protective, knowing it ranks highest in overall satisfaction.
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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 stands out with the best term life insurance for seniors in Riverside, scoring a MoneyGeek score of 91 for men with a monthly premium of $61, and a score of 90 for women with a monthly premium of $58.
Age is a pivotal factor in determining life insurance premiums, as older individuals often face higher rates due to increased health risks. Protective's leading scores reflect its strong performance across various metrics, including affordability, customer satisfaction, and financial stability.
| 1 | Protective | $61 | 91 |
| 2 | Mutual of Omaha | $68 | 91 |
| 3 | Nationwide | $58 | 90 |
| 4 | Allstate | $55 | 89 |
| 5 | Transamerica | $56 | 88 |
| 6 | AAA | $76 | 88 |
| 7 | Prudential | $59 | 87 |
| 8 | State Farm | $89 | 86 |
| 9 | Haven | $120 | 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 Riverside, the best term life insurance for smokers is from Mutual of Omaha, with the highest MoneyGeek scores for men and women. For men, it scored 90 with a monthly premium of $66, while for women, it scored 89 with a $70 premium.
Smoking is a key factor in determining life insurance premiums due to the associated health risks. Insurers like Mutual of Omaha assess these risks and their potential costs when setting premiums. A high MoneyGeek score indicates a balance of affordability, customer satisfaction, and financial stability.
| 1 | Mutual of Omaha | $66 | 90 |
| 2 | Nationwide | $63 | 89 |
| 3 | AAA | $68 | 88 |
| 4 | Prudential | $52 | 88 |
| 5 | Transamerica | $61 | 87 |
| 6 | Protective | $106 | 87 |
| 7 | Haven | $65 | 86 |
| 8 | State Farm | $92 | 84 |
| 9 | Allstate | $90 | 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 Riverside is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $8. Age plays a crucial role in determining life insurance premiums. Younger adults generally benefit from lower rates due to their lower risk of health issues.
Protective stands out with its high MoneyGeek score, reflecting its affordability, customer satisfaction, and financial stability. For young adults in Riverside, choosing Protective means getting a well-rounded policy that balances cost and quality effectively.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $11 | 88 |
| 7 | Prudential | $12 | 85 |
| 8 | State Farm | $14 | 85 |
| 9 | Haven | $12 | 84 |
| 10 | Bestow | $17 | 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 Riverside, Protective stands out for men and women with a MoneyGeek score of 92 and a monthly premium of $13.
Several factors impact the cost of premiums, including age, health, coverage amount, and term length. To secure the lowest premiums, maintain good health, choose an appropriate coverage amount, and opt for a shorter term length. Protective's high score is attributed to its affordability, customer satisfaction, and financial stability.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $15 | 91 |
| 4 | Transamerica | $13 | 91 |
| 5 | Mutual of Omaha | $16 | 89 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $17 | 85 |
| 8 | State Farm | $22 | 82 |
| 9 | Haven | $22 | 82 |
In Riverside, the average monthly cost of term life insurance is $21 for women and $24 for men. These figures are rounded to the nearest whole number for clarity. Several factors influence the cost of life insurance premiums, including age, health, lifestyle, occupation, policy type and coverage amount. Each of these elements can affect the risk profile of the insured individual, thereby impacting the premium costs.
The cost of life insurance in Riverside might be different from the rest of California due to various local factors. These could include regional health statistics, lifestyle trends and economic conditions. For instance, areas with higher rates of chronic illnesses or risky occupations may see higher premiums. Conversely, regions with healthier populations or lower living costs might benefit from lower premiums.
Protective has the best life insurance in Riverside for men, with the highest MoneyGeek score of 66. This company offers a comprehensive plan that meets various needs.
The monthly premium cost for the best life insurance for men in Riverside with Protective is $25. This cost is competitive and provides good value.
Protective has the best life insurance in Riverside for women, with the highest MoneyGeek score of 66. This company offers reliable and affordable plans.
The monthly premium cost for the best life insurance for women in Riverside with Protective is $23. This cost offers good value for comprehensive coverage.
Life insurance in Riverside may have slightly different premium costs and coverage options compared to the rest of California. For example, Protective offers competitive rates in Riverside, which may differ from other cities. Additionally, local economic factors and demographics can influence life insurance rates and options.
If a life insurance company goes bankrupt in Riverside, policyholders are typically protected by state guaranty associations. These associations ensure that claims are paid up to certain limits. It's important to check the specific coverage limits provided by the California Life and Health Insurance Guaranty Association.
Riverside residents might need life insurance to provide financial security for their families, cover debts, and ensure their loved ones are not burdened with expenses. Life insurance can also help with estate planning and provide peace of mind.
To find a lost life insurance policy in Riverside, you can check personal records, contact the insurance company directly, or use online search tools provided by state insurance departments. The National Association of Insurance Commissioners (NAIC) also offers a Life Insurance Policy Locator service.
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.
