Updated: November 22, 2024
Advertising & Editorial Disclosure
The best life insurance in Victorville, California, for both men and women, is Protective. The MoneyGeek score for women is 91 with an average monthly premium of $17. For men, the MoneyGeek score is 92 with a monthly premium of $25.
Different factors should be considered when deciding on what type of life insurance to buy. These scores and premium costs are based on a 20-year term policy with $500,000 coverage. 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 Victorville, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceVictorville, CABest Life Insurance Companies in Victorville
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 Victorville, Protective offers the best life insurance for both men and women, with a MoneyGeek score of 92 out of 100 for men and 91 out of 100 for women. The monthly premium is $25 for men and $17 for women. This makes Protective a strong choice for life insurance in Victorville.
Top providers for men:
Top providers for women:
Protective stands out for its high MoneyGeek scores and competitive premiums. For the average individual looking to purchase life insurance in Victorville, Protective offers a balanced mix of affordability, customer satisfaction, and financial stability.
Protective is the best life insurance company in Victorville for both men and women, offering a strong combination of value and service. With a MoneyGeek Score of 92 for women and 91 for men, Protective provides affordable average monthly premiums at $29 for women and $37 for men.
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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.
Protective stands out as the provider of the best term life insurance in Victorville for both men and women. It has an impressive MoneyGeek score of 92 and monthly premiums of $13 for men and $9 for women. This high score indicates that Protective excels in affordability, customer satisfaction and financial stability.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers coverage for a specified period, providing a death benefit to beneficiaries if the insured passes away during the term. For example, a parent might choose term insurance to ensure their child's education costs are covered in the event of their untimely death.
Protective stands out as the premier choice for term life insurance in Victorville for men and women, with a commanding MoneyGeek score of 92. Men seeking a policy can expect to pay a monthly premium of about $13, and women pay $9.
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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, Protective is the top choice in Victorville 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 Victorville:
Top whole life companies for women in Victorville:
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 stands out as the premier provider of whole life insurance in Victorville, catering to both men and women with an exceptional MoneyGeek score of 92. Recognized for its strong customer satisfaction and affordability, Protective ensures a reliable choice for those seeking financial security through life insurance.
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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 Victorville, 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, a person might choose best universal life insurance over other types because it can offer a cash value that grows over time.
Protective stands out as the premier provider for universal life insurance in Victorville for both men and women, with an impressive MoneyGeek score of 91. This score is indicative of the company's commitment to customer satisfaction and affordability.
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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.
In Victorville, Protective is 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 life insurance allows individuals to obtain coverage more quickly and with less effort than traditional policies that require a medical exam.
Protective stands out as the premier choice for life insurance without a medical exam in Victorville, catering to both men and women with a MoneyGeek score of 91. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable option for life insurance seekers.
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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.
For seniors in Victorville, Protective stands out as the provider of the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premium for men is $61, while for women it is approximately $43. Age is a key factor in life insurance premiums, with costs typically increasing as a person ages.
Protective's high score reflects its strong performance across multiple criteria, including affordability, customer satisfaction, and financial stability. Choosing a provider like Protective, which effectively balances these factors, is vital for seniors looking to secure their future with a reliable life insurance policy.
| 1 | Protective | $61 | 91 |
| 2 | Mutual of Omaha | $68 | 91 |
| 3 | Nationwide | $58 | 90 |
| 4 | Allstate | $55 | 89 |
| 5 | Transamerica | $56 | 88 |
| 6 | AAA | $76 | 88 |
| 7 | Prudential | $59 | 87 |
| 8 | State Farm | $89 | 86 |
| 9 | Haven | $120 | 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 Victorville looking for the best term life insurance for smokers, Mutual of Omaha offers the best options for both men and women. The company has a MoneyGeek score of 90 for men with an average monthly premium of $66 and a score of 89 for women with a monthly premium of $52.
Smoking significantly influences life insurance premiums due to the higher health risks it poses, which is reflected in the cost. Mutual of Omaha's top ranking is indicative of its balanced offering, satisfying customers with a mix of affordability, satisfaction, stability and diversity in products.
| 1 | Mutual of Omaha | $66 | 90 |
| 2 | Nationwide | $63 | 89 |
| 3 | AAA | $68 | 88 |
| 4 | Prudential | $52 | 88 |
| 5 | Transamerica | $61 | 87 |
| 6 | Protective | $106 | 87 |
| 7 | Haven | $65 | 86 |
| 8 | State Farm | $92 | 84 |
| 9 | Allstate | $90 | 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 Victorville, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $6 for women and $8 for men.
Age significantly impacts life insurance premiums. Younger adults generally benefit from lower rates due to their lower risk profiles. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability, making it a top choice for young adults seeking the best term life insurance for young adults in Victorville.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $11 | 88 |
| 7 | Prudential | $12 | 85 |
| 8 | State Farm | $14 | 85 |
| 9 | Haven | $12 | 84 |
| 10 | Bestow | $17 | 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 Victorville, Protective stands out with a MoneyGeek score of 92. The monthly premium is $13 for men and $9 for women. Factors that influence life insurance premiums include age, health, coverage amount,= and term length.
To secure the lowest premiums, maintain a healthy lifestyle, avoid tobacco, and choose a term length that suits your needs. Protective's high MoneyGeek score is attributed to its strong customer satisfaction, financial stability and affordability, making it a top choice for anyone looking for the best cheap term life insurance in Victorville.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $15 | 91 |
| 4 | Transamerica | $13 | 91 |
| 5 | Mutual of Omaha | $16 | 89 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $17 | 85 |
| 8 | State Farm | $22 | 82 |
| 9 | Haven | $22 | 82 |
The average monthly premium for term life insurance in Victorville is $16 for women and $24 for men. These figures are rounded to the nearest whole number for clarity. Several factors affect the cost of life insurance premiums, including age, health, lifestyle, coverage amount and policy term. Understanding these factors can help consumers make informed decisions when purchasing life insurance.
In Victorville, the cost of life insurance may differ from the rest of California due to local health statistics, crime rates, economic conditions, and the level of competition among insurers. For instance, higher crime rates or poorer health outcomes in a region can lead to higher premiums.
Conversely, a competitive insurance market might lower costs. By considering these local factors, residents of Victorville can better navigate their life insurance options and find a policy that suits their needs.
Protective has the best life insurance in Victorville for men with a MoneyGeek score of 92. This rating is based on various factors including affordability, customer satisfaction and financial stability
The monthly premium cost for the best life insurance for men in Victorville is $25. This cost is based on a 20-year term for a non-tobacco user aged 31 to 40 with excellent health.
Protective has the best life insurance in Victorville for women with a MoneyGeek score of 91. This rating is determined by factors such as affordability, customer satisfaction, and financial stability.
The monthly premium cost for the best life insurance for women in Victorville is $17. This cost is based on a 20-year term for a non-tobacco user aged 31 to 40 with excellent health.
Life insurance in Victorville may differ from the rest of California in terms of premium costs and company ratings. For example, Protective offers competitive rates and high ratings in Victorville, which may not be the case in other cities. It's important to compare local options to find the best fit.
If a life insurance company goes bankrupt in Victorville, state guaranty associations typically step in to protect policyholders. These associations provide a safety net, ensuring that coverage continues up to certain limits. It's important to review the specific protections offered in California.
Victorville residents might need life insurance to provide financial security for their families, cover debts, or ensure funds for future expenses such as education. Life insurance can be a crucial part of financial planning, offering peace of mind and protection against unexpected events.
To find a lost life insurance policy in Victorville, start by checking with the deceased's financial advisor, employer, or bank. You can also contact the California Department of Insurance for assistance. Keeping records organized can prevent such issues.
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.
