Updated: November 22, 2024
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Protective is the best life insurance company in Stockton, California, with a MoneyGeek score of 92 for men and 91 for women. It offers competitive premium costs of around $25 and $22 per month, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider factors like coverage amount, term length and your needs. While Protective scores highly, your specific situation may mean another company is better 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 Stockton, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceStockton, CABest Life Insurance Companies in Stockton
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 Stockton, with a MoneyGeek score of 92 for men and 91 for women. Its average monthly premiums are $25 and $22, respectively.
Top providers for men:
Top providers for women:
Protective is the best choice for the average individual looking to purchase life insurance in Stockton due to its high MoneyGeek scores and competitive monthly premiums. This combination makes it a reliable option for securing life insurance coverage.
Protective is the best life insurance provider in Stockton, with a MoneyGeek score of 92 for men and 91 for women. The company offers a blend of high customer satisfaction and affordability at an average monthly premium of $22 for women and $25 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.
Protective provides the best term life insurance in Stockton, with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $13 and $12, respectively. The company's top-notch score indicates strong performance in affordability, customer satisfaction, buying process, financial stability and product diversity, making it a solid choice for the average individual looking for 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 policy that provides coverage for a specified term and offers a death benefit if the insured passes away during this period. It's often chosen for its simplicity and affordability, as it can provide financial security for beneficiaries during key years, such as while paying off a mortgage or raising children.
In Stockton, Protective is the top choice for men and women seeking term life insurance, with a MoneyGeek score of 92 for both genders. The average monthly premium for men is $13, while for women, it's $12. Its ranking reflects a blend 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 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 provides the best whole life insurance in Stockton, with a MoneyGeek score of 92 for men and women. This score indicates that Protective excels in affordability, customer satisfaction, the buying process and financial stability. These features make it a reliable choice for individuals seeking long-term financial security through life insurance. The company's product diversity also ensures customers can find coverage that fits their unique needs.
Top whole life companies for men in Stockton:
Top whole life companies for women in Stockton:
Whole life insurance is a permanent policy that provides coverage for the insured's entire lifetime as long as premiums are paid. It can be an attractive option for those who want the certainty of fixed premiums and a guaranteed death benefit. For example, someone might choose whole life insurance over term life insurance to ensure they leave a legacy for their heirs, regardless of when they pass away.
Protective is the best choice for whole life insurance in Stockton, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability.
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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.
When searching for the best universal life insurance in Stockton, Protective stands out with a MoneyGeek score of 91 for men and women. Protective's high score suggests it offers a strong combination of affordability, customer satisfaction 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 if they want the potential to build cash value that can be used in retirement, offering a financial tool that serves multiple purposes.
Protective is the leading provider of universal life insurance in Stockton, with a MoneyGeek score of 91 for men and women. The company stands out for its 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 Stockton for men and women, with a MoneyGeek score of 91 for each. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a wise choice for individuals who prioritize a straightforward and reliable insurance experience.
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 without undergoing a health examination. It can be ideal for those with health concerns or needing quick coverage. For instance, someone with a busy lifestyle or a pre-existing condition may opt for life insurance with no mandatory medical exam to avoid the delays and complexities of a traditional medical underwriting process.
For men and women in Stockton, Protective is the premier provider of life insurance without the hassle of a medical exam. Its MoneyGeek score of 91 for both genders reflects the company's blend of customer satisfaction and cost-effectiveness.
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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 provides the best term life insurance for seniors in Stockton, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $59 and $56, respectively.
Age affects life insurance premiums, with costs typically rising as policyholders get older. This is due to increased health risks associated with aging, which insurers account for in their pricing. Protective's top scores reflect its excellence in affordability, customer satisfaction and financial stability. These factors are vital for seniors who prioritize dependable coverage without undue financial strain.
| 1 | Protective | $59 | 91 |
| 2 | Mutual of Omaha | $66 | 91 |
| 3 | Nationwide | $56 | 90 |
| 4 | Allstate | $53 | 89 |
| 5 | Transamerica | $54 | 88 |
| 6 | AAA | $74 | 88 |
| 7 | Prudential | $57 | 87 |
| 8 | State Farm | $87 | 86 |
| 9 | Haven | $116 | 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 Stockton seeking term life insurance, Mutual of Omaha stands out with MoneyGeek scores of 90 for men and 89 for women. The average monthly premiums are $64 and $66, respectively.
Smoking is a factor in life insurance as it can lead to higher premiums due to the increased health risks it poses. Mutual of Omaha demonstrates a balance of affordability, customer satisfaction and financial stability, making it the best term life insurance for smokers provider in Stockton.
| 1 | Mutual of Omaha | $64 | 90 |
| 2 | Nationwide | $61 | 89 |
| 3 | AAA | $66 | 88 |
| 4 | Prudential | $50 | 88 |
| 5 | Transamerica | $59 | 87 |
| 6 | Protective | $103 | 87 |
| 7 | Haven | $63 | 86 |
| 8 | State Farm | $90 | 84 |
| 9 | Allstate | $88 | 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 those seeking the best term life insurance for young adults in Stockton, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premiums are $8 and $7, respectively. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
Age significantly impacts the cost of life insurance premiums. Younger adults generally pay lower premiums because they are considered lower risk. Choosing a provider with a high score ensures you get the best value for your money, combining low premiums with excellent service and reliability.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $10 | 88 |
| 7 | Prudential | $11 | 85 |
| 8 | State Farm | $14 | 85 |
| 9 | Haven | $12 | 84 |
| 10 | Bestow | $16 | 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 Stockton, with a MoneyGeek Score of 92 for men and women. Its average monthly premium is $13 and $12, respectively. Protective stands out with its high affordability score, excellent customer satisfaction and strong financial stability. The company's balanced scores in various categories ensure that policyholders receive good value for their money.
Several 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, avoid tobacco and choose a shorter term length or lower coverage amount.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $12 | 91 |
| 3 | Nationwide | $14 | 91 |
| 4 | Transamerica | $12 | 91 |
| 5 | Mutual of Omaha | $15 | 89 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $17 | 85 |
| 8 | State Farm | $22 | 82 |
| 9 | Haven | $21 | 82 |
The average monthly premium for term life insurance in Stockton, California, is $20 for women and $23 for men.
Several factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation, coverage amount and policy type. Each of these elements can influence the final premium amount.
Due to local conditions, the cost of life insurance in Stockton might be higher or lower than in the rest of California. Factors such as local health statistics, cost of living, crime rates and economic conditions can all play a role in determining insurance premiums. Understanding these factors can help you make informed decisions about your life insurance needs.
Protective offers the best life insurance for men in Stockton. With the highest MoneyGeek score of 92 out of 100, it stands out for its affordability and customer satisfaction.
Protective offers the best life insurance for men in Stockton at an average monthly premium of $25.
Protective provides the best life insurance for women in Stockton. It has the highest MoneyGeek score of 91 out of 100, making it a top choice based on affordability and customer satisfaction.
The average monthly premium for the best life insurance for women in Stockton, offered by Protective, is $22.
Life insurance in Stockton may have more competitive rates than in other parts of California. For instance, Protective's premiums are lower in Stockton. This could be due to local market dynamics or lower risk assessments. Consumers should compare rates in different cities to find the best deal.
If a life insurance company goes bankrupt in Stockton, state guaranty associations typically step in. These associations provide limited protection to policyholders. It's important to check the coverage limits and ensure your policy falls within those limits.
Stockton residents might need life insurance to provide financial security for their families. This can cover mortgage payments, educational expenses and daily living costs. Life insurance can also help with estate planning and debt repayment.
To find a lost life insurance policy in Stockton, start by checking personal records and contacting the insurance company. You can also use online databases and state resources. Informing family members about the policy can prevent it 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.
