Updated: November 21, 2024
Advertising & Editorial Disclosure
In Vallejo, California, Protective is the best life insurance company for both men and women, according to MoneyGeek scores. The MoneyGeek score for men is 92, with a monthly premium of $29. For women, the score is 91, with a monthly premium of $27.
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 what 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 Vallejo, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceVallejo, CABest Life Insurance Companies in Vallejo
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 Vallejo, the best life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 for men and 91 for women. The monthly premium is $29 for men and $27 for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high MoneyGeek scores and competitive premiums. This makes it a reliable choice for the average individual looking to purchase life insurance in Vallejo.
In Vallejo, Protective stands out as the best life insurance provider for both men and women, boasting MoneyGeek scores of 92 and 91, respectively. With monthly premiums at an affordable $29 for men and $27 for women, Protective offers a balanced combination of value and reliability. As consumers seek a trustworthy option for their life insurance needs, Protective's high scores in customer satisfaction and financial stability make it a compelling choice.
Pros:
Cons:
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 individuals in Vallejo, Protective stands out with the best term life insurance for both men and women, with a MoneyGeek score of 92 and an average monthly premium of $15. This company stands out for its affordability and high customer satisfaction, making it an optimal choice for those prioritizing financial stability and product diversity in their insurance selection.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers a straightforward protection plan for a specific period, suitable for those needing temporary coverage, like securing a child's education expenses in case of an untimely death.
Protective emerges as the leading provider of term life insurance for men and women in Vallejo, boasting a MoneyGeek score of 92. With an average monthly premium of $15 for both women and men, this company offers an attractive combination of price and quality.
Pros:
Cons:
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 Vallejo, Protective stands out as 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 Vallejo:
Top whole life companies for women in Vallejo:
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.
Protective emerges as the leading provider of whole life insurance in Vallejo for both men and women, with an impressive MoneyGeek score of 92 for each. The company's commitment to customer satisfaction and financial strength positions it as a reliable choice for insurance seekers.
Pros:
Cons:
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 is the top provider in Vallejo, with the best universal life insurance for both men and women, 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 flexible 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 top choice for universal life insurance in Vallejo, catering to both men and women with an outstanding MoneyGeek score of 91. This score reflects the company's commitment to excellence across various facets of its service.
Pros:
Cons:
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.
In Vallejo, Protective stands out as the best life insurance without a medical exam provider for both men and women, with a MoneyGeek score of 91 for men and women.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
This life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical exam.
Protective emerges as the premier provider of life insurance without a mandatory medical exam in Vallejo, garnering the highest MoneyGeek scores for both men and women, at 91 each. This ranking indicates a robust offering that caters comprehensively to the insurance needs of Vallejo's residents.
Pros:
Cons:
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.
For the best term life insurance for seniors in Vallejo, men and women find Protective at the top, earning a MoneyGeek score of 91 for men and 90 for women. The average monthly premium with Protective is $71 for men and $69 for women.
Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Protective | $71 | 91 |
| 2 | Mutual of Omaha | $79 | 91 |
| 3 | Nationwide | $67 | 90 |
| 4 | Allstate | $64 | 89 |
| 5 | Transamerica | $65 | 88 |
| 6 | AAA | $89 | 88 |
| 7 | Prudential | $68 | 87 |
| 8 | State Farm | $104 | 86 |
| 9 | Haven | $140 | 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 both men and women in Vallejo seeking the best life insurance for smokers, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. The monthly premiums are an estimated $76 for men and $82 for women. Smoking is a factor in life insurance because it increases health risks, leading to higher premiums. With top scores in customer satisfaction and financial stability,
| 1 | Mutual of Omaha | $76 | 90 |
| 2 | Nationwide | $73 | 89 |
| 3 | AAA | $79 | 88 |
| 4 | Prudential | $60 | 88 |
| 5 | Transamerica | $70 | 87 |
| 6 | Protective | $124 | 87 |
| 7 | Haven | $76 | 86 |
| 8 | State Farm | $107 | 84 |
| 9 | Allstate | $105 | 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 Vallejo, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $9. This rating applies to both men and women. Age plays a significant role in determining life insurance premiums.
Younger adults typically enjoy lower rates due to better health and lower risk factors. For young adults in Vallejo, finding the best term life insurance for young adults involves considering these factors to ensure they receive the best value for their investment.
| 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 | $20 | 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 Vallejo, the best cheap term life insurance provider for both men and women is Protective, with a MoneyGeek score of 92 and a monthly premium of $15.
Factors affecting life insurance premiums include age, health, coverage amount and term length. To get the lowest premiums, maintain a healthy lifestyle, choose a shorter term length, and opt for a lower coverage amount.
Protective's high MoneyGeek score is due to its strong customer satisfaction, affordability, and financial stability. For those seeking the best cheap term life insurance in Vallejo, Protective offers an excellent balance of cost and quality.
| 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 | $26 | 82 |
| 9 | Haven | $25 | 82 |
The average monthly premium for term life insurance in Vallejo is $25 for women and $28 for men. Many factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, and the amount of coverage chosen.
In Vallejo, the cost of life insurance might be higher or lower compared to other parts of California due to regional health statistics, cost of living, and local insurance market competition. Understanding these factors can help consumers make informed decisions about their life insurance needs.
Protective offers the best life insurance for men in Vallejo, California. The company has the highest MoneyGeek score, making it a top choice for male residents looking for reliable coverage.
The monthly premium cost for the best life insurance for men in Vallejo is $29. Protective provides this coverage, ensuring affordability and high customer satisfaction for male policyholders.
Protective is the best life insurance company for women in Vallejo, California. With the highest MoneyGeek score, it stands out as the preferred provider for female residents seeking comprehensive life insurance.
The monthly premium cost for the best life insurance for women in Vallejo is $27. Protective offers this plan, providing excellent value and high satisfaction for female policyholders.
Life insurance in Vallejo aligns with broader California trends. Protective is a top provider in both Vallejo and the state. The premium costs and coverage options are consistent, ensuring residents get similar benefits regardless of location within California.
If a life insurance company goes bankrupt in Vallejo, policyholders are protected by state guaranty associations. These associations ensure that policies remain in force, providing financial security and peace of mind to residents.
Vallejo residents need life insurance to provide financial security for their families. Life insurance can cover funeral costs, pay off debts, and ensure that loved ones are financially stable in the event of the policyholder's death.
To find a lost life insurance policy in Vallejo, start by checking personal records and contacting the insurance company. If necessary, use online databases and state resources to locate the policy and ensure it is still active.
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.
