Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Temecula, California for both men and women. With a MoneyGeek score of 92 for men and 91 for women, Protective stands out as the top choice. The monthly premium for men is $39 and for women is $25.
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, as 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 Temecula, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceTemecula, CABest Life Insurance Companies in Temecula
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 Temecula for both men and women, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $39 for men and $25 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction scores and affordable premiums. This makes it a great choice for individuals seeking reliable life insurance in Temecula.
For those seeking life insurance in Temecula, Protective emerges as the leading provider for both men and women. With an impressive MoneyGeek score of 91 for women and 92 for men, Protective offers a solid balance of affordability and reliability. Monthly premiums are reasonable, at $25 for women and $39 for men, reflecting the company's commitment to providing value.
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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 Temecula, Protective stands out with a MoneyGeek score of 92 for men and an average premium of $20 per month and 92 for women with a premium of $14 per month. This company offers a balance of affordability, customer satisfaction and financial stability, making it a solid choice for the average individual.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a policy where coverage is provided for a predetermined period. For example, a parent may choose term insurance to ensure their child's educational expenses are covered in the event of their untimely death.
With a MoneyGeek score of 92, Protective stands out as the premier option for term life insurance for men in Temecula. The company offers a monthly premium of approximately $20 for men and $14 for women, making it not only highly rated but also affordable.
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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 people seeking the best whole life insurance in Temecula Protective is the top choice for both men and women, with a MoneyGeek score of 92 out of 100. This score reflects Protective's commitment to affordability, customer satisfaction and financial stability.
Top whole life companies for men in Temecula:
Top whole life companies for women in Temecula:
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire lifetime. Unlike term life insurance, which only covers a specific period, whole life insurance includes an investment component that can grow over time.
In the search for the best whole life insurance in Temecula, Protective stands out as the premier choice for both men and women. With a MoneyGeek score of 92 for each group, Protective assures reliable coverage backed by exceptional customer satisfaction and financial stability. Here are the key considerations for choosing Protective as your insurance provider:
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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 offers the best universal life insurance for both men and women in Temecula, 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 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.
Protective emerges as the premier provider for universal life insurance in Temecula, catering to both men and women with a stellar MoneyGeek score of 91. Their commitment to customer satisfaction and financial stability places them at the forefront of insurance options.
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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 in Temecula as the best life insurance without a medical exam provider 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:
This type of life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical exam.
In Temecula, Protective stands out as the premier choice for no-medical-exam life insurance for both men and women, with a MoneyGeek score of 91 for each. Their exceptional customer satisfaction and strong financial stability mark them as a reliable provider in the life insurance market. Here are the key advantages and considerations for Protective's offerings:
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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 Temecula, Protective stands out as the provider of the best term life insurance for seniors, with a MoneyGeek score of 91 for men with an average monthly premium of $93, and a score of 90 for women with a monthly premium of $65.
Age is a determining factor in life insurance premiums, with costs typically rising as policyholders grow older. Protective's high MoneyGeek scores reflect its strong performance across affordability, customer satisfaction, buying process, financial stability and product diversity. For seniors in Temecula, these scores signify a balance of cost efficiency and reliable coverage.
| 1 | Protective | $93 | 91 |
| 2 | Mutual of Omaha | $104 | 91 |
| 3 | Nationwide | $88 | 90 |
| 4 | Allstate | $85 | 89 |
| 5 | Transamerica | $86 | 88 |
| 6 | AAA | $117 | 88 |
| 7 | Prudential | $90 | 87 |
| 8 | State Farm | $137 | 86 |
| 9 | Haven | $184 | 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 seeking the best term life insurance for smokers. in Temecula, Mutual of Omaha stands out for both men and women. With a MoneyGeek score of 90 and a monthly premium of $101 for men, and a score of 89 with a $78 premium for women, this company offers competitive rates and reliable coverage.
Smoking is a critical factor in determining life insurance premiums due to the increased health risks it poses. Insurers often charge higher rates for smokers to offset these risks. Mutual of Omaha's high MoneyGeek scores reflect a strong balance of affordability, customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $101 | 90 |
| 2 | Nationwide | $96 | 89 |
| 3 | AAA | $104 | 88 |
| 4 | Prudential | $79 | 88 |
| 5 | Transamerica | $93 | 87 |
| 6 | Protective | $163 | 87 |
| 7 | Haven | $100 | 86 |
| 8 | State Farm | $142 | 84 |
| 9 | Allstate | $139 | 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 Temecula, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $8 for women and $12 for men. Age is a significant factor in determining life insurance premiums. Younger individuals typically pay lower premiums because they are generally healthier and have a longer life expectancy.
Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability, making it a strong choice for young adults seeking term life insurance in Temecula.
| 1 | Protective | $12 | 92 |
| 2 | Mutual of Omaha | $15 | 91 |
| 3 | Nationwide | $14 | 90 |
| 4 | Allstate | $12 | 89 |
| 5 | Transamerica | $12 | 88 |
| 6 | AAA | $16 | 88 |
| 7 | Prudential | $18 | 85 |
| 8 | State Farm | $21 | 85 |
| 9 | Haven | $19 | 84 |
| 10 | Bestow | $26 | 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 Temecula, Protective stands out for both men and women with a MoneyGeek Score of 92 and average monthly premiums of $14 for women and $20 for men.
Several factors influence 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 term length and coverage amount that suits your needs.
Protective's high MoneyGeek score reflects its excellent affordability, customer satisfaction, and financial stability. These factors are crucial for anyone looking for the best cheap term life insurance in Temecula. Understanding these elements can help you make an informed decision and secure the most cost-effective coverage.
| 1 | Protective | $20 | 92 |
| 2 | Allstate | $20 | 91 |
| 3 | Nationwide | $23 | 91 |
| 4 | Transamerica | $20 | 91 |
| 5 | Mutual of Omaha | $24 | 89 |
| 6 | AAA | $27 | 87 |
| 7 | Prudential | $27 | 85 |
| 8 | State Farm | $34 | 82 |
| 9 | Haven | $33 | 82 |
The average monthly cost of term life insurance in Temecula is $24 for women and $37 for men. These figures are rounded to the nearest whole number.
Several factors affect the cost of life insurance premiums. Age, health, lifestyle, occupation and the amount of coverage all play a role in determining rates. For instance, younger and healthier individuals typically pay lower premiums. Occupations with higher risk levels may lead to higher insurance costs.
Due to local health statistics, economic factors, and regional risk factors, the cost of life insurance in Temecula might be higher or lower than in the rest of California. For example, if the area has higher average health risks or a more expensive health care system, premiums might be higher. Conversely, a healthier population or lower health care costs could result in lower premiums.
Understanding these factors can help you make informed decisions about your life insurance needs and budget.
Protective offers the best life insurance in Temecula for men, with a MoneyGeek score of 92. This rating reflects the company's strong financial stability and customer satisfaction.
The monthly premium cost for the best life insurance for men in Temecula from Protective is $39. This cost is based on a 20-year term policy with coverage between $250,000 and $500,000.
Protective provides the best life insurance in Temecula for women, with a MoneyGeek score of 91. This score highlights the company's excellent customer satisfaction and financial stability.
The monthly premium cost for the best life insurance for women in Temecula from Protective is $25. This rate applies to a 20-year term policy with coverage between $250,000 and $500,000.
Life insurance in Temecula may have different premium rates and coverage options compared to the rest of California. For example, Protective offers competitive rates and high customer satisfaction in Temecula. State-specific regulations and market conditions can also influence these differences.
If a life insurance company goes bankrupt in Temecula, state regulations and guaranty associations protect policyholders. These associations ensure that policyholders receive their benefits up to certain limits, providing a safety net for consumers.
Temecula residents need life insurance for financial security and peace of mind. It helps cover expenses like mortgage payments, education costs, and daily living expenses in case of the policyholder's death. Life insurance can also provide a financial cushion for unexpected events.
To find a lost life insurance policy in Temecula, contact the insurance company directly or check with the California Department of Insurance. They can assist in locating the policy. Additionally, reviewing personal records and consulting with financial advisors can help.
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.
