Best Life Insurance in San Bernardino, CA (November 2024)

In San Bernardino, California, Protective is the best life insurance company for both men and women. With a MoneyGeek score of 91 for women and 92 for men, Protective stands out as the top provider. The average monthly premium costs are $18 for women and $21 for men.

These scores and premium costs are based on a 20-year term policy with $500,000 coverage. While Protective is a great choice, your unique needs may mean a different company is best for you. Different factors, such as age, health and coverage needs, play a role in deciding the right life insurance policy.

In San Bernardino, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 out of 100 for men and 91 out of 100 for women, and monthly premiums of $21 and $18 respectively. Here are the top two companies for both men and women based on MoneyGeek scores:

Top providers for men:

• Protective: MoneyGeek score of 92 out of 100 at $21 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $26 per month for men

Top providers for women:

• Protective: MoneyGeek score of 91 out of 100 at $18 per month for women
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $22 per month for women

Protective stands out as the best choice for the average individual looking to purchase life insurance in San Bernardino due to its high MoneyGeek scores and competitive monthly premiums. The company excels in customer satisfaction and affordability, making it a reliable and cost-effective option for life insurance.

Protective stands out as the provider of the best term life insurance in San Bernardino for both men and women, with a MoneyGeek score of 92 for men and women, with monthly premiums of $11 and $10, respectively. This company's high scores reflect its commitment to affordability, customer satisfaction, and financial stability, making it an excellent choice for individuals seeking reliable term coverage.

The top two term life insurance companies for men are:

• Protective: MoneyGeek score of 92 out of 100 at $11 per month for men
• Mutual of Omaha: MoneyGeek score of 89 out of 100 at $13 per month for men

For women, the top two are:

• Protective: MoneyGeek score of 92 out of 100 at $10 per month for women
• Mutual of Omaha: MoneyGeek score of 87 out of 100 at $13 per month for women

Term life insurance provides a death benefit for a specified period, offering protection during critical years, such as while raising a family or paying off a mortgage. For example, a parent might choose term life insurance to ensure their child's education costs are covered in the event of their untimely passing.

For individuals seeking the best whole life insurance in San Bernardino Protective stands out as the top choice for both men and women, with a MoneyGeek score of 92 out of 100.

Top whole life companies for men in San Bernardino:

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

Top whole life companies for women in San Bernardino:

• 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 type of permanent life insurance that provides coverage for the insured's entire lifetime. While term life insurance only covers a certain period, whole life insurance includes an investment component that can grow over time.

Protective is the best provider in San Bernardino for universal life insurance for both men and women, with a MoneyGeek score of 91 out of 100. This score indicates that Protective stands out in terms of affordability, customer satisfaction, the buying process and financial stability.

Best universal life insurance for men:

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

Best for women's universal life insurance:

• 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 type of permanent life insurance that combines protection with savings. For example, someone might choose best universal life insurance over other types because it can offer a cash value that grows over time.

Protective stands out as the best life insurance without a medical exam provider in San Bernardino for both men and women, with a MoneyGeek score of 91.

Best no-medical-exam life insurance for men:

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

Best life insurance for women that does not require a medical exam:

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

Life insurance without needing a medical exam allows individuals to obtain coverage more quickly and with less hassle than traditional policies. For example, someone with a busy lifestyle or a fear of medical procedures might choose life insurance without a mandatory medical exam to avoid the time-consuming and potentially stressful process of a health examination.

For seniors in San Bernardino seeking the best term life insurance for seniors, Protective emerges as the leading provider for both men and women, with a MoneyGeek score of 91 for men and 90 for women. The monthly premium for men is $51, while for women it is slightly lower at $45.

Age is a determining factor in the cost of life insurance premiums; as the risk of health issues increases with age, so does the premium. The high MoneyGeek score of Protective indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity.

In San Bernardino, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and an average monthly premium of $55. Women who smoke also do best with Mutual of Omaha, earning a score of 89 and a monthly cost of approximately $54.

Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha's top scores reflect its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.

For young adults in San Bernardino, Protective is the winner. It earns a MoneyGeek score of 92 and offers average monthly premiums of $6 for women and $7 for men. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability.

Age plays a crucial role in determining life insurance premiums, with younger adults typically benefiting from lower costs. Choosing the best term life insurance for young adults is essential for securing financial protection at a reasonable cost.

For those seeking the best cheap term life insurance in San Bernardino, Protective stands out for both men and women with a MoneyGeek score of 92 and a monthly premium of $10 for women and $11 for men.

Various factors influence the cost of life insurance premiums, including age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, choose a shorter term length and compare multiple quotes. Protective's high MoneyGeek score is due to its strong customer satisfaction, financial stability and affordability.

The average cost of term life insurance in San Bernardino is $16 per month for women and $20 per month for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, the term of the policy and the amount of coverage.

In San Bernardino, the cost of life insurance might be higher or lower compared to the rest of California due to various regional factors. Local health statistics, the cost of living, and specific regional risk factors can all impact insurance premiums. For instance, areas with higher health care costs or greater risk of natural disasters might see higher premiums.

Understanding these factors can help you make more informed decisions when purchasing life insurance. By considering both personal and regional influences, you can better navigate the complexities of life insurance premiums.