Updated: November 21, 2024
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In Fontana, California, Protective is the best life insurance provider, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $27 for males and $22 for females. These scores and costs are based on a 20-year term policy with $500,000 coverage.
When choosing life insurance, consider your health, age and financial needs. Your unique situation 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 Fontana, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceFontana, CABest Life Insurance Companies in Fontana
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 Fontana, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $27 and $22, respectively.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek scores and lower monthly premiums make it the top choice for life insurance.
In Fontana, Protective is the top choice for life insurance, with MoneyGeek scores of 92 for men and 91 for women. It provides affordable coverage at average monthly premiums of $27 for males and $22 for females. It's an affordable choice for excellent coverage.
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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 has the best term life insurance in Fontana, with a MoneyGeek score of 92 and average monthly premiums of $14 for men and $12 for women. Its high affordability, customer satisfaction and financial stability scores make it a top choice for reliable coverage.
Top term life insurance companies for men:
Top term life insurance companies for women:
Term life insurance provides a death benefit for a specified term, offering financial protection for beneficiaries. For example, a parent might choose term life insurance to cover their child's education costs if the unexpected occurs.
In Fontana, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with low monthly premiums of $14 for males and $12 for females.
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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 offers the best whole life insurance provider in Fontana, with a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance provides coverage for the insured's entire life and a savings component that accumulates cash value. For example, someone might choose it over term life for its potential to build cash value that can be borrowed against in the future.
In Fontana, Protective is the leading provider of whole life insurance, earning a MoneyGeek score of 92 for men and women. This reflects a good balance of customer satisfaction and affordability.
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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 has Fontana's best universal life insurance, with a MoneyGeek score of 91 for men and women. The company's high score indicates a strong combination of affordability, customer satisfaction and financial stability.
Universal life insurance offers flexible premiums and the potential for cash value growth. It benefits those who want long-term financial planning and the ability to adjust their coverage as life changes.
Protective is Fontana's leading universal life insurance provider. With a MoneyGeek score of 91 for men and women, Protective stands out for its quality service 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 offers the best life insurance without a medical exam requirement in Fontana. Its MoneyGeek score of 91 for men and women reflects a strong balance of affordability, customer satisfaction and financial stability.
Life insurance without a medical exam provides coverage without requiring a health assessment. Someone with a busy schedule or a fear of medical procedures might opt for this type of insurance for convenience.
In Fontana, Protective is the top choice for life insurance without the hassle of a medical examination. Its MoneyGeek score of 91 for men and women reflects a balance of customer satisfaction, financial stability and affordability.
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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 offers the best term life insurance for seniors in Fontana, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $65 for males and $58 for females.
Age impacts life insurance premiums, as insurers consider the increased health risks of old age. Protective stands out with its strong performance in affordability, customer satisfaction and financial stability, making it a reliable option for seniors.
| 1 | Protective | $65 | 91 |
| 2 | Mutual of Omaha | $73 | 91 |
| 3 | Nationwide | $62 | 90 |
| 4 | Allstate | $59 | 89 |
| 5 | Transamerica | $60 | 88 |
| 6 | AAA | $82 | 88 |
| 7 | Prudential | $63 | 87 |
| 8 | State Farm | $96 | 86 |
| 9 | Haven | $129 | 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.
Mutual of Omaha provides the best term life insurance for smokers in Fontana, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $71 for males and $69 for females.
Smoking significantly impacts life insurance premiums due to health risks. Insurers often charge higher rates for smokers. Mutual of Omaha's high MoneyGeek score reflects its strong customer satisfaction, financial stability and diverse products, making it a reliable choice for smokers seeking comprehensive coverage.
| 1 | Mutual of Omaha | $71 | 90 |
| 2 | Nationwide | $68 | 89 |
| 3 | AAA | $73 | 88 |
| 4 | Prudential | $56 | 88 |
| 5 | Transamerica | $65 | 87 |
| 6 | Protective | $115 | 87 |
| 7 | Haven | $70 | 86 |
| 8 | State Farm | $99 | 84 |
| 9 | Allstate | $97 | 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.
Protective offers the best term life insurance for young adults in Fontana, with a MoneyGeek score of 92 and average monthly premiums of $8 for men and $7 for women.
Younger policyholders typically enjoy cheaper premiums due to lower health risks. Protective's high MoneyGeek score reflects its strong customer satisfaction, affordability and financial stability.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $10 | 91 |
| 3 | Nationwide | $10 | 90 |
| 4 | Allstate | $9 | 89 |
| 5 | Transamerica | $9 | 88 |
| 6 | AAA | $11 | 88 |
| 7 | Prudential | $12 | 85 |
| 8 | State Farm | $15 | 85 |
| 9 | Haven | $13 | 84 |
| 10 | Bestow | $18 | 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 Fontana, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and an average monthly premium of $14 for men and $12 for women.
Several factors influence premiums, including age, health, coverage amount and term length. To secure the lowest rates, maintain good health, avoid tobacco and choose a suitable coverage amount and term length.
| 1 | Protective | $14 | 92 |
| 2 | Allstate | $14 | 91 |
| 3 | Nationwide | $16 | 91 |
| 4 | Transamerica | $14 | 91 |
| 5 | Mutual of Omaha | $17 | 89 |
| 6 | AAA | $19 | 87 |
| 7 | Prudential | $19 | 85 |
| 8 | State Farm | $24 | 82 |
| 9 | Haven | $23 | 82 |
The average monthly premiums for term life insurance in Fontana are $26 for men and $21 for women.
Many factors affect costs, including age, health, lifestyle, occupation, policy type and coverage amount. Rates may be higher or lower than the rest of California due to local health statistics, average income levels, crime rates and regional underwriting practices.
Protective has the best life insurance in Fontana for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Fontana is $27.
Protective has the best life insurance in Fontana for women, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Fontana is $22.
Life insurance in Fontana is similar to other parts of California. Policies follow state regulations for consumer protection. While premiums and coverage options are comparable, local providers may offer plans tailored to Fontana residents.
If a life insurance company in Fontana goes bankrupt, state guaranty associations cover claims up to certain limits, ensuring that policyholders don't lose their coverage or benefits.
Fontana residents need life insurance to secure their families' finances, covering mortgages, education and daily expenses. It also helps in estate planning and serves as a savings tool.
To find a lost life insurance policy in Fontana, check personal records and contact the insurance company. You can also use online search tools from the National Association of Insurance Commissioners or state insurance department.
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.
