Updated: November 22, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Santa Clara, California, with a MoneyGeek score of 91 for women and 92 for men. Its average monthly premiums are $41 and $61, respectively. 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 the 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 Santa Clara, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSanta Clara, CABest Life Insurance Companies in Santa Clara
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 is the best life insurance provider in Santa Clara, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $61 and $41, respectively.
Top providers for men:
Top providers for women:
Protective is the best choice for the average individual looking to purchase life insurance in Santa Clara. The company excels in affordability and customer satisfaction, making it a reliable option for consumers.
Protective is the top choice for life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 and 91, respectively. Men can expect an average monthly premium of $61, while women are quoted around $41. With exceptional customer satisfaction and solid financial stability, Protective provides a reliable choice for life insurance.
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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 provides the best term life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 for both genders. Its average monthly premium is $31 for men and $22 for women. The company's high score indicates a robust combination of affordability, customer satisfaction and financial stability, which are vital factors for the average individual considering term life insurance.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance provides coverage for a specified period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, a parent may choose term life insurance to ensure their child's education expenses are covered if the unexpected occurs. This type of insurance is often selected for its simplicity and affordability compared to permanent life insurance options.
Protective is the premier choice for term life insurance in Santa Clara for men and women, with a MoneyGeek score of 92 for each. Men can secure a policy at an approximate monthly premium of $31, while women can secure coverage at an affordable monthly premium of around $22.
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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.
Protective is the best whole life insurance provider in Santa Clara, with a MoneyGeek score of 92 for men and women. This score suggests that Protective offers a balance of affordability, customer satisfaction, financial stability and product diversity that is well-suited for the average individual looking for reliable insurance coverage.
Top whole life companies for men in Santa Clara:
Top whole life companies for women in Santa Clara:
Whole life insurance provides a guaranteed death benefit, fixed premiums and a savings component that grows over time, making it a sound choice for long-term financial planning. For example, someone may choose whole life insurance to ensure their family's financial security regardless of how long they live.
In Santa Clara, Protective is the leading choice for whole life insurance for men and women, with a MoneyGeek score of 92 for each. The company's commitment to customer satisfaction, affordability and diverse product offerings makes it a top contender in the insurance market.
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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 provides the best universal life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. This score indicates a strong combination of affordability, customer satisfaction, financial stability and product diversity, making Protective an excellent choice for individuals seeking a reliable life insurance policy.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance provides flexibility in premium payments and death benefits, which can appeal to those who want control over their policy's cash value growth. For instance, someone might choose universal life insurance over term life insurance if they are interested in the potential to accumulate cash value that can be borrowed against or used to pay premiums.
Protective is the premier choice for universal life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. The company demonstrates a strong 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 provides the best no-medical-exam life insurance in Santa Clara, with a MoneyGeek score of 91 for men and women. This score reflects Protective's strong performance across affordability, customer satisfaction, financial stability and product diversity, which are critical for individuals seeking reliable 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 without a required medical exam allows individuals to obtain coverage quickly and without needing a medical assessment. It can be a significant advantage for those with health concerns or a need for expedited coverage. For example, a person with a busy lifestyle or a pre-existing condition might choose this insurance to avoid the lengthy process and potential obstacles of traditional underwriting.
In Santa Clara, Protective is the premier provider of life insurance with no mandatory medical exam. Its MoneyGeek score of 91 for men and women 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.
Protective offers the best term life insurance for seniors in Santa Clara, with a MoneyGeek score of 91 for men and 90 for women. Its average monthly premiums are $147 and $105, respectively.
Age is a determining factor in life insurance premiums, with costs typically increasing with age due to heightened risk. Protective's high MoneyGeek score signifies a commendable balance between affordability, customer satisfaction and financial stability, making it an optimal choice for seniors prioritizing both cost and quality in their life insurance selection
| 1 | Protective | $147 | 91 |
| 2 | Mutual of Omaha | $164 | 91 |
| 3 | Nationwide | $139 | 90 |
| 4 | Allstate | $133 | 89 |
| 5 | Transamerica | $135 | 88 |
| 6 | AAA | $185 | 88 |
| 7 | Prudential | $142 | 87 |
| 8 | State Farm | $216 | 86 |
| 9 | Haven | $290 | 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.
Mutual of Omaha offers the best term life insurance for smokers in Santa Clara, with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of about $158, while women are quoted around $125.
Smoking affects life insurance premiums significantly due to the associated health risks. Mutual of Omaha's high score reflects its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity. These factors are essential for Santa Clara residents seeking reliable coverage tailored to their needs as smokers.
| 1 | Mutual of Omaha | $158 | 90 |
| 2 | Nationwide | $151 | 89 |
| 3 | AAA | $164 | 88 |
| 4 | Prudential | $124 | 88 |
| 5 | Transamerica | $146 | 87 |
| 6 | Protective | $257 | 87 |
| 7 | Haven | $157 | 86 |
| 8 | State Farm | $223 | 84 |
| 9 | Allstate | $218 | 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 Clara, with a MoneyGeek Score of 92 for men and women. Its average monthly premiums are $19 and $13, respectively. Protective's high MoneyGeek score reflects its strong performance in affordability, customer satisfaction, and financial stability.
Age significantly impacts life insurance premiums. Younger adults typically benefit from lower premiums due to their lower risk of health issues.
| 1 | Protective | $19 | 92 |
| 2 | Mutual of Omaha | $23 | 91 |
| 3 | Nationwide | $23 | 90 |
| 4 | Allstate | $19 | 89 |
| 5 | Transamerica | $19 | 88 |
| 6 | AAA | $26 | 88 |
| 7 | Prudential | $28 | 85 |
| 8 | State Farm | $34 | 85 |
| 9 | Haven | $30 | 84 |
| 10 | Bestow | $41 | 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 Santa Clara. It has a MoneyGeek score of 92 for men and women and average monthly premiums of $31 and $22, respectively. Protective excels in customer satisfaction and financial stability.
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 | $31 | 92 |
| 2 | Allstate | $31 | 91 |
| 3 | Nationwide | $36 | 91 |
| 4 | Transamerica | $31 | 91 |
| 5 | Mutual of Omaha | $38 | 89 |
| 6 | AAA | $42 | 87 |
| 7 | Prudential | $42 | 85 |
| 8 | State Farm | $54 | 82 |
| 9 | Haven | $53 | 82 |
The average monthly premium for term life insurance in Santa Clara, California, is $29 for women and $33 for men. Knowing these rates can help you 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 Santa Clara 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 Santa Clara 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 has the best life insurance for men in Santa Clara for men, with the highest MoneyGeek score of 92 out of 100. Its policies offer a good balance of affordability and customer satisfaction.
The average monthly premium for the best life insurance for men in Santa Clara is $61. Protective offers this rate and balances affordability with high customer satisfaction and financial stability.
Protective has the best life insurance for women in Santa Clara for women, with the highest MoneyGeek score of 91 out of 100. Its policies are well-rated for affordability and customer satisfaction.
The average monthly premium for the best life insurance for men in Santa Clara is $41. Protective offers this rate and provides a good balance of affordability and customer satisfaction.
Life insurance in Santa Clara may differ from the rest of California in terms of premium costs and available policies. For example, Protective offers competitive rates and high MoneyGeek scores in Santa Clara. Residents may find that local market conditions influence their choices more than in other parts of the state.
If a life insurance company goes bankrupt in Santa Clara, your policy is generally protected by state guaranty associations. These associations cover claims up to certain limits, ensuring policyholders are not left without coverage. It's important to review the specific protections offered by these associations.
Santa Clara residents might need life insurance for various reasons, such as providing financial security for their families, covering debts or ensuring funds for future expenses like college tuition. Life insurance can be a crucial part of financial planning, offering protection to you and your loved ones.
To find a lost life insurance policy in Santa Clara, 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.
