Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Fremont, California, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $61 for males and $43 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 Fremont, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceFremont, CABest Life Insurance Companies in Fremont
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 Fremont, with MoneyGeek scores of 92 for men and 91 for women. The average monthly premiums are $61 and $43, respectively.
Top providers for men:
Top providers for women:
Protective's high MoneyGeek affordability and customer satisfaction scores make it the top choice for life insurance.
In Fremont, 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 $61 for males and $43 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 Fremont, with a MoneyGeek score of 92 and average monthly premiums of $31 for men and $24 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 covers a set period and pays a death benefit if the insured dies during that term. It's often preferred for its lower cost and ability to align with financial responsibilities, like the duration of a mortgage.
In Fremont, Protective is the best term life insurance provider, earning a MoneyGeek score of 92. It balances cost and quality with low monthly premiums of $31 for males and $24 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 Fremont, with a MoneyGeek score of 92 for men and women. The company performs strongly in affordability, customer satisfaction and financial stability.
Whole life insurance offers a guaranteed death benefit, consistent premiums and a savings component that grows over time. Someone might opt for it over term life insurance if they want lifetime coverage with the added benefit of cash value accumulation.
In Fremont, 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 Fremont'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 death benefits that can be adjusted to fit life changes. Some might prefer it to guarantee lifelong coverage while also building cash value that can be borrowed against if needed.
Protective is Fremont'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 Fremont. 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 checkup. Someone with a busy schedule or a fear of medical procedures might opt for it over traditional policies to avoid the inconvenience and stress of a health assessment.
In Fremont, 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 Fremont, with MoneyGeek scores of 91 for men and 90 for women. The average monthly premiums are $146 for males and $110 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 | $146 | 91 |
| 2 | Mutual of Omaha | $163 | 91 |
| 3 | Nationwide | $138 | 90 |
| 4 | Allstate | $132 | 89 |
| 5 | Transamerica | $134 | 88 |
| 6 | AAA | $183 | 88 |
| 7 | Prudential | $141 | 87 |
| 8 | State Farm | $215 | 86 |
| 9 | Haven | $288 | 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 Fremont, with MoneyGeek scores of 90 for men and 89 for women. Monthly premiums average $157 for males and $132 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 | $157 | 90 |
| 2 | Nationwide | $150 | 89 |
| 3 | AAA | $163 | 88 |
| 4 | Prudential | $124 | 88 |
| 5 | Transamerica | $145 | 87 |
| 6 | Protective | $255 | 87 |
| 7 | Haven | $156 | 86 |
| 8 | State Farm | $221 | 84 |
| 9 | Allstate | $217 | 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 Fremont, with a MoneyGeek score of 92 and average monthly premiums of $19 for men and $14 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 | $19 | 92 |
| 2 | Mutual of Omaha | $23 | 91 |
| 3 | Nationwide | $22 | 90 |
| 4 | Allstate | $19 | 89 |
| 5 | Transamerica | $19 | 88 |
| 6 | AAA | $25 | 88 |
| 7 | Prudential | $28 | 85 |
| 8 | State Farm | $33 | 85 |
| 9 | Haven | $30 | 84 |
| 10 | Bestow | $40 | 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 Fremont, Protective offers the best cheap term life insurance, with a MoneyGeek score of 92 and average monthly premiums of $31 for men and $24 for women.
Several factors influence premiums, including age, health, coverage amount and term length. To secure the lowest rates, maintain good health, choose an appropriate coverage amount and consider a shorter term length.
| 1 | Protective | $31 | 92 |
| 2 | Allstate | $31 | 91 |
| 3 | Nationwide | $35 | 91 |
| 4 | Transamerica | $31 | 91 |
| 5 | Mutual of Omaha | $37 | 89 |
| 6 | AAA | $42 | 87 |
| 7 | Prudential | $42 | 85 |
| 8 | State Farm | $53 | 82 |
| 9 | Haven | $52 | 82 |
In Fremont, term life insurance averages $58 per month for men and $40 for women. Costs vary based on age, health, lifestyle and coverage amount.
Local factors like health trends and the cost of living can affect premiums. Higher living costs might lead to higher premiums, while better health trends could lower them. Consider these factors to find the best coverage for your needs.
Protective has the best life insurance in Fremont for men, with a MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Fremont is $61. Protective offers this rate for non-tobacco users aged 31–40 in excellent health with coverage between $250,000 and $500,000.
Protective offers women the best life insurance in Fremont, with a MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Fremont is $43. This rate applies to non-tobacco users aged 31–40 in excellent health with coverage between $250,000 and $500,000.
Life insurance in Fremont is similar to other parts of California, with Protective being a top-rated provider statewide. Coverage options and premiums are comparable, so Fremont residents can expect similar service and reliability.
If a life insurance company in Fremont goes bankrupt, state guaranty associations ensure that policyholders receive coverage up to a certain limit, providing a safety net.
Fremont residents might need life insurance for financial security. It can cover expenses like mortgages, education and living expenses for dependents.
To find a lost life insurance policy in Fremont, check personal records and contact the insurance company. You can also use online databases and state resources.
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.
