Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Santa Rosa, California, for men and women. For women, Protective has a MoneyGeek score of 91 and an average monthly premium of $27. For men, the MoneyGeek score is 92, with an average monthly premium of $29. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider different factors to find the best fit for your unique needs.
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 Rosa, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSanta Rosa, CABest Life Insurance Companies in Santa Rosa
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 Santa Rosa, Protective offers the best life insurance for men and women. For men, it has a MoneyGeek score of 92 and an average monthly premium of $29. For women, it has a MoneyGeek score of 91 and a premium of about $27 per month.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek scores and affordability. These attributes make it an excellent choice for individuals in Santa Rosa seeking reliable and cost-effective life insurance.
In Santa Rosa, Protective is the premier choice for life insurance for men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective offers comprehensive coverage at affordable monthly premiums of $29 for men and $27 for women. Consumers value the company's high customer satisfaction and financial stability, making it a reliable option for their insurance needs.
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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.
For those seeking the best term life insurance in Santa Rosa, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $15 for men and women. Its score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a prudent choice for the average individual looking for reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a predetermined period, making it a suitable option for those who need financial protection for a specific time frame. For instance, parents might choose term insurance to ensure their child's education costs are covered in the event of their untimely death.
Protective is the premier option for term life insurance in Santa Rosa for men and women. With a MoneyGeek score of 92 and an average monthly premium of $15 for both genders, it offers a blend of value and satisfaction.
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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.
In Santa Rosa, Protective provides the best whole life insurance for men and women, with a MoneyGeek score of 92 for each. Protective offers a reliable choice for individuals seeking a balance of affordability, customer satisfaction and financial stability in their insurance policy.
Top whole life companies for men in Santa Rosa:
Top whole life companies for women in Santa Rosa:
Whole life insurance is a type of permanent life insurance that offers a guaranteed death benefit, fixed premiums and a cash value component that grows over time. For example, someone might prefer whole life insurance to term life insurance if they are interested in long-term financial planning and want to ensure lifetime coverage.
In Santa Rosa, Protective is the premier choice for whole life insurance for men and women, with MoneyGeek scores of 92 for each. This score reflects a strong commitment to customer satisfaction and financial stability, ensuring policyholders receive quality service and financial security.
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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 Rosa for men and women, with a MoneyGeek score of 91 for each. This high score reflects the company's strong performance across multiple aspects, including affordability and customer satisfaction, which are key for individuals seeking reliable and cost-effective insurance coverage. The average person in Santa Rosa would also benefit from Protective's comprehensive offerings and financial stability.
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 example, someone might choose universal life insurance over other types because they desire the ability to build cash value that can be used as a loan in the future while enjoying the security of lifelong coverage.
Protective is the premier choice for universal life insurance in Santa Rosa for men and women. With a MoneyGeek score of 91 for both genders, Protective demonstrates a robust 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 stands out as the best no-medical-exam life insurance provider in Santa Rosa, with a MoneyGeek score of 91 for men and women. This score reflects the company's strong performance across various metrics, including affordability, customer satisfaction and financial stability. Protective's leading score makes it an optimal choice for individuals seeking a reliable insurance option without needing 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 mandatory medical exam allows individuals to obtain coverage quickly and without the need to undergo a physical examination. For example, someone with a busy schedule or a dislike of medical appointments might choose this insurance type for its convenience and speed of approval.
In Santa Rosa, Protective is the premier choice for men and women seeking life insurance without the hassle of a medical exam. It has a MoneyGeek score of 91 for both genders. This high score comes from the company's exceptional customer satisfaction and competitive pricing.
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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 Rosa, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. Its average monthly premiums are $70 and $68, respectively.
Age significantly influences life insurance premiums, as insurers view older policyholders as higher risk, often resulting in higher costs. Protective's high MoneyGeek score reflects its strong performance across affordability, customer satisfaction and financial stability. For seniors prioritizing these factors in their insurance selection, Protective offers a compelling choice.
| 1 | Protective | $70 | 91 |
| 2 | Mutual of Omaha | $78 | 91 |
| 3 | Nationwide | $66 | 90 |
| 4 | Allstate | $63 | 89 |
| 5 | Transamerica | $64 | 88 |
| 6 | AAA | $88 | 88 |
| 7 | Prudential | $67 | 87 |
| 8 | State Farm | $102 | 86 |
| 9 | Haven | $138 | 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 in Santa Rosa seeking term life insurance, Mutual of Omaha is the top provider, with a MoneyGeek score of 90 for men and 89 for women. Men can expect an average monthly premium of $75, while women will pay about $82.
Smoking influences life insurance premiums significantly as insurers view smokers as higher risk, which often results in higher costs. Mutual of Omaha's high MoneyGeek score reflects its excellence in affordability, customer satisfaction, buying process, financial stability and product diversity. These attributes make it a compelling choice for those searching for the best term life insurance for smokers.
| 1 | Mutual of Omaha | $75 | 90 |
| 2 | Nationwide | $72 | 89 |
| 3 | AAA | $78 | 88 |
| 4 | Prudential | $59 | 88 |
| 5 | Transamerica | $69 | 87 |
| 6 | Protective | $122 | 87 |
| 7 | Haven | $75 | 86 |
| 8 | State Farm | $106 | 84 |
| 9 | Allstate | $104 | 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 Santa Rosa, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $9 for men and women.
Age plays a crucial role in determining life insurance premiums, with younger adults typically enjoying lower rates. Protective's high MoneyGeek score is attributed to its affordability, customer satisfaction and financial stability, making it an excellent choice for young adults seeking term life insurance in Santa Rosa.
| 1 | Protective | $9 | 92 |
| 2 | Mutual of Omaha | $11 | 91 |
| 3 | Nationwide | $11 | 90 |
| 4 | Allstate | $9 | 89 |
| 5 | Transamerica | $9 | 88 |
| 6 | AAA | $12 | 88 |
| 7 | Prudential | $13 | 85 |
| 8 | State Farm | $16 | 85 |
| 9 | Haven | $14 | 84 |
| 10 | Bestow | $19 | 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 those seeking the best cheap term life insurance in Santa Rosa, Protective stands out for men and women. The company provides excellent value, with a MoneyGeek score of 92 and an average monthly premium of $15 for both genders. Protective's high MoneyGeek score is attributed to its affordability and high customer satisfaction ratings.
Life insurance premiums are influenced by several factors, including age, health and the amount of coverage. To secure the lowest premiums, maintaining good health and choosing a shorter term length can be beneficial.
| 1 | Protective | $15 | 92 |
| 2 | Allstate | $15 | 91 |
| 3 | Nationwide | $17 | 91 |
| 4 | Transamerica | $15 | 91 |
| 5 | Mutual of Omaha | $18 | 89 |
| 6 | AAA | $20 | 87 |
| 7 | Prudential | $20 | 85 |
| 8 | State Farm | $25 | 82 |
| 9 | Haven | $25 | 82 |
The average monthly premium for term life insurance in Santa Rosa, 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 Rosa might be higher or lower than in other parts of California for various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if Santa Rosa 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 Santa Rosa, California, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Santa Rosa is $29. This rate is based on a 20-year term for a nonsmoker in excellent health aged 31 to 40.
Protective offers the best life insurance for women in Santa Rosa, California, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Santa Rosa is $27. This rate is based on a 20-year term for a nonsmoker aged 31 to 40 with excellent health.
Life insurance in Santa Rosa follows similar trends as the rest of California. However, local factors such as cost of living and health statistics may influence premiums. For example, Protective offers competitive rates and high satisfaction scores, making it a strong choice in Santa Rosa.
If a life insurance company goes bankrupt in Santa Rosa, policyholders are generally protected by state guaranty associations. These associations cover claims up to certain limits, ensuring that policyholders do not lose their coverage entirely.
Santa Rosa residents might need life insurance to provide financial security for their families, cover outstanding debts and ensure that living expenses are met in the event of their passing. Life insurance can also help with estate planning and final expenses.
To find a lost life insurance policy in Santa Rosa, start by checking personal records and contacting the deceased's financial advisors. You can also reach out to the California Department of Insurance for assistance or use online tools to search for unclaimed policies.
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.
