Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Santa Ana, California, for men and women. The MoneyGeek score for men is 92, with an average monthly premium of $21. For women, the MoneyGeek score is 91, with a monthly premium of around $19. These scores and premium costs are based on a 20-year term policy and $500,000 coverage.
Different factors, such as age, health and tobacco use, can affect your life insurance needs. 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 Santa Ana, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSanta Ana, CABest Life Insurance Companies in Santa Ana
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 Santa Ana for men and women, with a MoneyGeek score of 91 and 92, respectively. The average monthly premiums are $37 for men and $29 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction scores and affordable premiums. These features make it a great choice for individuals seeking reliable life insurance in Santa Ana.
Protective is the top choice for the best life insurance in Santa Ana for men and women. For men, it has a MoneyGeek score of 92 and an average monthly premium of $21. For women, its MoneyGeek score is 91, and the average monthly premium is $19. Protective's high scores reflect a strong balance of affordability, 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective is the leading provider of the best term life insurance in Santa Ana for men and women, with a MoneyGeek score of 92 and a monthly premium of $11 for men and a score of 92 with a $10 premium for women. This top ranking signifies that Protective offers reliable coverage at a competitive price, making it a prudent choice for individuals seeking financial protection for their loved ones without overextending their budget.
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 for a specified term, typically ranging from five to 30 years. It is often chosen for its simplicity and lower cost than permanent life insurance. For example, a parent might opt for term life insurance to ensure their child's education expenses are covered in the event of an untimely death during the years they are most financially vulnerable.
Protective is the premier choice for term life insurance in Santa Ana for men and women, with a MoneyGeek score of 92 for both genders. Men can secure coverage at an average monthly premium of $11, while women pay around $10 per month. The company ensures protection without financial strain.
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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.
For those searching for the best whole life insurance in Santa Ana, Protective stands out with a MoneyGeek score of 92 for men and women. This score reflects Protective's strong performance across affordability, customer satisfaction, financial stability and product diversity.
Top whole life companies for men in Santa Ana:
Top whole life companies for women in Santa Ana:
Whole life insurance is a type of permanent life insurance that offers coverage for the insured's entire life. It typically includes a savings component that can build cash value. For example, someone might choose whole life insurance to ensure lifelong protection and potentially leave a legacy for their beneficiaries.
In Santa Ana, Protective is the best whole life insurance provider for men and women, with a MoneyGeek score of 92 for both. Protective is a reliable choice for your insurance needs.
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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 Santa Ana, Protective provides the best universal life insurance for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability and product diversity. Individuals looking for a reliable universal life insurance policy would find Protective's offerings aligned with their needs for comprehensive coverage and financial security.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a flexible policy that allows policyholders to adjust their premiums and death benefits. For instance, someone who experiences a significant life change, like a new baby or a job loss, might choose universal life insurance for its ability to adapt to their evolving financial situation.
Protective is the premier choice for universal life insurance in Santa Ana for men and women. With a MoneyGeek score of 91 for both genders, Protective demonstrates a 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 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 premier provider of the best no-medical-exam life insurance in Santa Ana, with a MoneyGeek score of 91 for men and women. This high score suggests that Protective offers reliable coverage options and customer service, making it a top choice for individuals seeking life insurance without the hassle of a medical exam.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance with no mandatory medical exam allows individuals to obtain a policy quickly without undergoing a health assessment. For example, someone with a busy lifestyle or concerned about pre-existing conditions might choose this insurance to ensure immediate coverage.
In Santa Ana, Protective is the premier provider of life insurance without a required medical exam for men and women. It has a MoneyGeek score of 91 for each. the company's high marks in customer satisfaction and affordability make it a reliable choice for those seeking life insurance without the hassle of a medical exam.
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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.
In Santa Ana, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $51 and $48, respectively.
Age influences life insurance premiums, with costs generally increasing as policyholders grow older. Protective's high MoneyGeek score reflects its balance of affordability, customer satisfaction and financial stability, making it a top choice for seniors looking for reliable coverage without overpaying.
| 1 | Protective | $51 | 91 |
| 2 | Mutual of Omaha | $57 | 91 |
| 3 | Nationwide | $48 | 90 |
| 4 | Allstate | $46 | 89 |
| 5 | Transamerica | $47 | 88 |
| 6 | AAA | $64 | 88 |
| 7 | Prudential | $49 | 87 |
| 8 | State Farm | $75 | 86 |
| 9 | Haven | $100 | 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 those in search of the best term life insurance for smokers in Santa Ana, Mutual of Omaha stands out for men and women. This company offers competitive rates and reliable coverage, with a MoneyGeek score of 90 and a monthly premium of $55 for men and a score of 89 with a $57 premium for women.
Smoking increases life insurance premiums significantly due to the associated health risks. Finding a provider like Mutual of Omaha, which scores highly on affordability, customer satisfaction and financial stability, is key for smokers who require adequate coverage without overpaying.
| 1 | Mutual of Omaha | $55 | 90 |
| 2 | Nationwide | $52 | 89 |
| 3 | AAA | $57 | 88 |
| 4 | Prudential | $43 | 88 |
| 5 | Transamerica | $51 | 87 |
| 6 | Protective | $89 | 87 |
| 7 | Haven | $54 | 86 |
| 8 | State Farm | $77 | 84 |
| 9 | Allstate | $76 | 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.
Protective offers the best term life insurance for young adults in Santa Ana, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $7 and $6, respectively.
Age is a significant factor in determining life insurance premiums. Younger adults typically benefit from lower rates due to their lower risk profile. Protective's high MoneyGeek score reflects its strong balance of affordability, customer satisfaction and financial stability. This makes it an excellent choice for young adults seeking reliable term life insurance.
| 1 | Protective | $7 | 92 |
| 2 | Mutual of Omaha | $8 | 91 |
| 3 | Nationwide | $8 | 90 |
| 4 | Allstate | $7 | 89 |
| 5 | Transamerica | $7 | 88 |
| 6 | AAA | $9 | 88 |
| 7 | Prudential | $10 | 85 |
| 8 | State Farm | $12 | 85 |
| 9 | Haven | $10 | 84 |
| 10 | Bestow | $14 | 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.
In Santa Ana, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premiums are $10 and $11, respectively. Protective has the highest MoneyGeek score due to its affordability, customer satisfaction and financial stability.
Various factors influence the cost of premiums for life insurance, including age, health, coverage amount and term length. To get the lowest premiums possible, maintain a healthy lifestyle, choose a term length that fits your needs and compare quotes from multiple providers.
| 1 | Protective | $11 | 92 |
| 2 | Allstate | $11 | 91 |
| 3 | Nationwide | $12 | 91 |
| 4 | Transamerica | $11 | 91 |
| 5 | Mutual of Omaha | $13 | 89 |
| 6 | AAA | $15 | 87 |
| 7 | Prudential | $15 | 85 |
| 8 | State Farm | $19 | 82 |
| 9 | Haven | $18 | 82 |
The average monthly premium for term life insurance in Santa Ana, California, is $17 for women and $20 for men. Several factors can affect the cost of life insurance premiums, including age, health, lifestyle, occupation and the amount of coverage chosen.
In Santa Ana, the cost of life insurance might differ from the rest of California due to local health statistics, cost of living and specific risk factors associated with the area. For instance, higher health care costs or a higher prevalence of certain health conditions can lead to increased premiums. Conversely, a lower cost of living or fewer local risk factors might result in lower premiums.
Understanding these factors can help you make informed decisions when purchasing life insurance. By considering how local conditions impact premiums, consumers can better navigate their options and find the coverage that best suits their needs.
Protective has the best life insurance for men in Santa Ana, with the highest MoneyGeek score of 92 out of 100. It offers a comprehensive policy that ranks first in California.
The average monthly premium for the best life insurance for men in Santa Ana is $21. This cost reflects the comprehensive coverage offered by Protective, which is the highest-rated company.
Protective offers the best life insurance for women in Santa Ana, with a MoneyGeek score of 91 out of 100. This company provides top-rated coverage and ranks first in California for women.
The average monthly premium for the best life insurance for women in Santa Ana is $19. Protective offers this rate, which reflects its top-rated coverage and high MoneyGeek score.
Life insurance in Santa Ana may offer more competitive rates and higher-ranked companies compared to other parts of California. For example, Protective ranks first in the state for men and women, offering premium rates of $21 and $19, respectively. This indicates a potentially more favorable market for life insurance in Santa Ana.
If a life insurance company goes bankrupt in Santa Ana, your policy is typically protected by state guaranty associations. These organizations ensure that policyholders receive coverage up to certain limits, even if the insurer cannot fulfill its obligations. It is important to check the specific protections available in California.
Santa Ana residents may need life insurance to provide financial protection for their families, cover debts or plan for future expenses such as education or retirement. Life insurance can also help cover final expenses and provide security, knowing that loved ones are protected in case of unexpected events.
To find a lost life insurance policy in Santa Ana, start by checking personal documents and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance or use online search tools designed to locate lost policies. It is helpful to have as much information as possible about the policyholder when conducting your search.
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.
