Updated: December 24, 2024
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In San Buenaventura (Ventura), California, Protective is the best life insurance company for both men and women. The MoneyGeek score for women is 91, with a monthly premium of $28. For men, the MoneyGeek score is 92, with a monthly premium of $33.
Different factors should be considered when deciding on life insurance. These scores and premium costs are based on a 20-year term policy and $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 San Buenaventura (Ventura), California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSan BuenaventurBest Life Insurance Companies in San Buenaventura (Ventura)
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.
In San Buenaventura (Ventura), the best life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 for men and 91 for women. The average premium is $33 for men and $28 for women.
Top Providers for Men
Top Providers for Women
Protective is the best choice for the average individual looking to purchase life insurance in San Buenaventura (Ventura) due to its high MoneyGeek scores for both men and women. The company offers competitive premiums and excellent customer satisfaction, making it a reliable option for securing your financial future.
In San Buenaventura (Ventura), Protective stands out as the premier choice for life insurance for both men and women. With a MoneyGeek score of 66, Protective offers a monthly premium of $33 for men and $28 for women. The company's high scores reflect a commitment to customer satisfaction and financial stability, making it a reliable option for life insurance seekers. Here are some key advantages and considerations for Protective:
Pros:
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.
he Protective stands out as the best term life insurance provider in San Buenaventura (Ventura) for both men and women, with a MoneyGeek score of 92 and average monthly premiums of $17 and $15, respectively. This company offers a balance of affordability, customer satisfaction, and financial stability, making it an excellent choice for individuals seeking reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a straightforward insurance product that provides coverage for a specific period. For example, a parent might choose term insurance to ensure financial stability for their children until they reach adulthood.
Protective stands out as the leading provider for term life insurance in San Buenaventura (Ventura) for men and women with a MoneyGeek score of 92. With a monthly premium for men and women of approximately $17 and $15, respectively. Protective offers a reliable option for those seeking financial security.
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Cons:
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 San Buenaventura (Ventura), Protective stands out as the provider of the best whole life insurance for both men and women, with a MoneyGeek score of 92. The average individual looking for a reliable whole life insurance policy would benefit from Protective's exceptional financial stability and customer satisfaction ratings.
Top whole life companies for men in San Buenaventura (Ventura):
Top whole life companies for women in San Buenaventura (Ventura):
Whole life insurance is a permanent policy, guaranteeing a death benefit and including a savings component that accumulates cash value. For example, someone might opt for the best whole life insurance over term policies for its potential to provide a legacy for heirs or to serve as a tax-advantaged investment.
In San Buenaventura (Ventura), Protective stands out as the top choice for whole life insurance, earning a MoneyGeek score of 92 for both men and women. This score reflects the company's commitment to providing quality service and value to its customers.
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Cons:
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.
In San Buenaventura (Ventura), Protective stands out as the top provider of the best universal life insurance for both men and women, with a MoneyGeek score of 91. This score suggests that Protective offers a reliable combination of affordability, customer satisfaction, financial stability and product diversity.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers flexibility in premiums and benefits, which can be attractive for those who want control over their policy's cash value growth and death benefit.
Protective stands out as the top choice for the best universal life insurance in San Buenaventura (Ventura) for both men and women, with a MoneyGeek Score of 91. This company demonstrates a commitment to customer satisfaction and financial stability, ensuring a reliable insurance experience. Now, let's examine the specific strengths and weaknesses of Protective's offering.
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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 is the best life insurance without a required medical exam provider in San Buenaventura (Ventura) for both men and women, with a MoneyGeek score of 91. This top ranking signifies that Protective stands out in terms of affordability, customer satisfaction, buying process, financial stability, and product diversity.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
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 best life insurance without a mandatory medical exam to avoid the time-consuming and stressful process of a health examination.
In San Buenaventura (Ventura), Protective stands out as the leading provider of no-medical-exam life insurance for both men and women, boasting a MoneyGeek score of 91. Their high scores reflect a commitment to customer satisfaction and affordability.
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Cons:
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 as the top provider of the best term life insurance for seniors in San Buenaventura (Ventura), with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $78 for men and $71 for women, both rounded to the nearest whole number.
Age is a determining factor in the cost of life insurance premiums. As individuals age, the risk to insurers increases, often leading to higher premiums. Protective's high MoneyGeek scores reflect its balance of affordability, customer satisfaction and financial stability.
| 1 | Protective | $78 | 91 |
| 2 | Mutual of Omaha | $87 | 91 |
| 3 | Nationwide | $74 | 90 |
| 4 | Allstate | $71 | 89 |
| 5 | Transamerica | $72 | 88 |
| 6 | AAA | $98 | 88 |
| 7 | Prudential | $75 | 87 |
| 8 | State Farm | $115 | 86 |
| 9 | Haven | $154 | 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 San Buenaventura (Ventura), Mutual of Omaha stands out as the best term life insurance for smokers, scoring a MoneyGeek score of 90 for men and 89 for women, with an average monthly premium of $84 for both.
Smoking significantly influences life insurance premiums due to the associated health risks. Insurers often charge higher rates for smokers to offset the increased risk of health-related claims. Mutual of Omaha earns the highest MoneyGeek score, reflecting its balance of affordability, customer satisfaction and financial stability.
| 1 | Mutual of Omaha | $84 | 90 |
| 2 | Nationwide | $81 | 89 |
| 3 | AAA | $87 | 88 |
| 4 | Prudential | $66 | 88 |
| 5 | Transamerica | $78 | 87 |
| 6 | Protective | $137 | 87 |
| 7 | Haven | $84 | 86 |
| 8 | State Farm | $119 | 84 |
| 9 | Allstate | $116 | 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 San Buenaventura (Ventura), Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $10 for men and $9 for women.
Age is a key factor in determining life insurance premiums. Younger adults typically enjoy lower premiums due to their lower risk of health issues. Protective's high MoneyGeek score is attributed to its strong customer satisfaction and affordability. This makes it a top choice for young adults seeking term life insurance in San Buenaventura (Ventura).
| 1 | Protective | $10 | 92 |
| 2 | Mutual of Omaha | $12 | 91 |
| 3 | Nationwide | $12 | 90 |
| 4 | Allstate | $10 | 89 |
| 5 | Transamerica | $10 | 88 |
| 6 | AAA | $14 | 88 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $18 | 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 the best cheap term life insurance in San Buenaventura (Ventura), Protective tops the list for men with a MoneyGeek score of 92 and an average monthly premium of $17 and a MoneyGeek score of 92 and a monthly premium of $15.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 1 | Protective | $17 | 92 |
| 2 | Allstate | $17 | 91 |
| 3 | Nationwide | $19 | 91 |
| 4 | Transamerica | $17 | 91 |
| 5 | Mutual of Omaha | $20 | 89 |
| 6 | AAA | $22 | 87 |
| 7 | Prudential | $22 | 85 |
| 8 | State Farm | $29 | 82 |
| 9 | Haven | $28 | 82 |
The average monthly premium for term life insurance in San Buenaventura (Ventura), 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 San Buenaventura (Ventura) might be higher or lower compared to other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if San Buenaventura (Ventura) 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 offers the best life insurance for men in San Buenaventura (Ventura). Its MoneyGeek score is the highest in the area, making them the top choice for male policyholders.
The monthly premium cost for the best life insurance for men in San Buenaventura (Ventura) is $33. Protective offers this rate, ensuring affordability and top-rated coverage.
Protective provides the best life insurance for women in San Buenaventura (Ventura). With the highest MoneyGeek score for female policyholders, its the leading choice in the area.
The monthly premium cost for the best life insurance for women in San Buenaventura (Ventura) is $28. Protective offers this rate, combining affordability with high-quality coverage.
Life insurance in San Buenaventura (Ventura) may have different premium rates and coverage options compared to other parts of California. For instance, Protective offers competitive rates and high MoneyGeek scores locally, which might not be the case statewide. Local market conditions and demographics can influence these differences.
If a life insurance company goes bankrupt in San Buenaventura (Ventura), state guaranty associations step in to protect policyholders. These associations ensure that claims are paid and coverage continues, providing a safety net for residents.
Residents of San Buenaventura (Ventura) might need life insurance to cover debts, provide financial security for their families, and ensure long-term stability. Life insurance can help manage mortgage payments, education costs, and daily living expenses in the event of the policyholder's death.
To find a lost life insurance policy in San Buenaventura (Ventura), start by checking personal records and contacting known insurers. You can also use state resources such as the California Department of Insurance to locate unclaimed policies. Keeping organized records can prevent policies from being lost.
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.
