Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in San Francisco, California for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $48 for men and $44 for women.
When deciding on life insurance, consider factors like affordability, customer satisfaction, and financial stability. 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 San Francisco, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSan Francisco, Best Life Insurance Companies in San Francisco
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 Francisco, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $48 for men and $44 for women.
Top providers for men:
Top providers for women:
Protective stands out for its combination of affordability, customer satisfaction and financial stability. This makes it an excellent choice for the average individual looking to purchase life insurance in San Francisco.
Protective stands out as the premier choice for life insurance in San Francisco, offering robust coverage for both men and women. With an overall MoneyGeek score of 91 for women and 92 for men, Protective combines quality service with affordability, charging monthly premiums of $44 for women and $48 for men.
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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 San Francisco, Protective stands out as the provider of the best term life insurance for both men and women, with a MoneyGeek score of 92 and a monthly premium of $25 for men and $24 for women. This company's high scores reflect its strong customer satisfaction and financial stability.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy that provides coverage at a fixed rate of payments for a limited period, known as the term. For instance, a parent might purchase a 20-year term life insurance policy to ensure that their child's education expenses will be covered in the event of their untimely death.
Protective stands out as the best term life insurance in San Francisco for men and women, boasting a MoneyGeek score of 92. Protective offers a balance of value and security. Men seeking reliable term life insurance need look no further.
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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 in San Francisco for both men and women is offered by Protective. It has a MoneyGeek score of 92 out of 100.
Top whole life companies for men in San Francisco:
Top whole life companies for women in San Francisco:
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.
For those in search of the best whole life insurance in San Francisco, Protective emerges as the leading choice for both men and women. With MoneyGeek scores of 92 for each gender, Protective assures a balance of quality service and financial reliability.
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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.
In San Francisco, Protective is the best provider of 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:
Best for women's universal life insurance:
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.
In San Francisco, Protective stands out as the premier provider of universal life insurance, securing the highest MoneyGeek score of 91 for both men and women. This distinction is based on its exceptional performance across several key metrics.
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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 stands out as the best life insurance without a medical exam provider in San Francisco for both men and women, with a MoneyGeek score of 91.
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 life insurance without a mandatory medical exam to avoid the time-consuming and potentially stressful process of a health examination.
Protective stands out as the premier provider of no-medical-exam life insurance in San Francisco, earning a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to customer 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 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 San Francisco seeking the best term life insurance for seniors, Protective stands out with the highest MoneyGeek scores for both men and women. Men can expect a MoneyGeek score of 91 and a monthly premium of $115, while women receive a score of 90 with a monthly premium of $114.
Age significantly influences life insurance premiums, with costs typically rising as one gets older due to increased health risks. Protective's leading scores reflect its strong customer satisfaction, financial stability, and product diversity.
| 1 | Protective | $115 | 91 |
| 2 | Mutual of Omaha | $128 | 91 |
| 3 | Nationwide | $109 | 90 |
| 4 | Allstate | $104 | 89 |
| 5 | Transamerica | $105 | 88 |
| 6 | AAA | $144 | 88 |
| 7 | Prudential | $111 | 87 |
| 8 | State Farm | $169 | 86 |
| 9 | Haven | $226 | 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.
For smokers seeking the best life insurance for smokers in San Francisco, Mutual of Omaha stands out for both men and women, with a MoneyGeek score of 90 and 89 respectively. Men pay a monthly premium of $124, while women pay $136.
Smoking significantly influences life insurance premiums due to the associated health risks, leading insurers to charge higher rates to mitigate potential costs. Mutual of Omaha's top MoneyGeek scores indicates a balance of affordability, customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $124 | 90 |
| 2 | Nationwide | $118 | 89 |
| 3 | AAA | $128 | 88 |
| 4 | Prudential | $97 | 88 |
| 5 | Transamerica | $114 | 87 |
| 6 | Protective | $201 | 87 |
| 7 | Haven | $123 | 86 |
| 8 | State Farm | $174 | 84 |
| 9 | Allstate | $171 | 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 San Francisco is offered by Protective, with a MoneyGeek score of 92 and a monthly premium of $15 for both men and women. Age plays a crucial role in determining life insurance premiums; younger adults generally pay lower premiums due to lower risk factors.
Protective stands out with its high MoneyGeek score, reflecting its strong affordability, excellent customer satisfaction, and solid financial stability. For young adults in San Francisco seeking the best term life insurance, Protective provides a balanced mix of cost-effectiveness and reliability.
| 1 | Protective | $15 | 92 |
| 2 | Mutual of Omaha | $18 | 91 |
| 3 | Nationwide | $18 | 90 |
| 4 | Allstate | $15 | 89 |
| 5 | Transamerica | $15 | 88 |
| 6 | AAA | $20 | 88 |
| 7 | Prudential | $22 | 85 |
| 8 | State Farm | $26 | 85 |
| 9 | Haven | $23 | 84 |
| 10 | Bestow | $32 | 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.
Protective offers the best cheap term life insurance in San Francisco for both men and women, with a MoneyGeek score of 92 and a monthly premium of $25 for men and $24 for women.
Various factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a shorter term length, and opt for a higher coverage amount. Protective's high MoneyGeek score is due to its strong affordability, excellent customer satisfaction and solid financial stability.
| 1 | Protective | $25 | 92 |
| 2 | Allstate | $24 | 91 |
| 3 | Nationwide | $28 | 91 |
| 4 | Transamerica | $24 | 91 |
| 5 | Mutual of Omaha | $29 | 89 |
| 6 | AAA | $33 | 87 |
| 7 | Prudential | $33 | 85 |
| 8 | State Farm | $42 | 82 |
| 9 | Haven | $41 | 82 |
The average cost of term life insurance in San Francisco is $41 per month for women and $46 per month for men. Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, policy term and the coverage amount. For example, younger individuals or those in good health typically pay lower premiums.
Life insurance premiums in San Francisco might be higher compared to the rest of California due to the city's higher cost of living. Access to healthcare and regional risk factors can also play a role in determining premium costs. Understanding these factors can help consumers make informed decisions when purchasing life insurance.
Protective has the best life insurance for men in San Francisco. With a MoneyGeek score of 92, it stands out as the top choice. This score reflects its strong performance in various categories, including customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for men in San Francisco, provided by Protective, is $48. This cost is competitive and reflects the company's high MoneyGeek score and overall value.
Protective offers the best life insurance for women in San Francisco. With a MoneyGeek score of 91, it is the top-rated company for women, reflecting its strong customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in San Francisco, provided by Protective, is $44. This cost is competitive and reflects the company's high MoneyGeek score and overall value.
Life insurance in San Francisco may differ from the rest of California in terms of cost and company ratings. For instance, Protective is the top-rated company in San Francisco, offering competitive premiums for both men and women. The city's unique demographics and cost of living could influence these variations.
If a life insurance company goes bankrupt in San Francisco, state guaranty associations typically step in to protect policyholders. These associations provide coverage up to certain limits, ensuring that policyholders do not lose their benefits entirely. It's essential to understand your state's specific guaranty limits.
San Francisco residents may need life insurance to provide financial security for their families, cover debts, and ensure their loved ones are not burdened with expenses. The high cost of living and housing in the city makes life insurance an essential tool for financial planning and protection.
To find a lost life insurance policy in San Francisco, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance or use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
