Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in Garden Grove, California. It earned MoneyGeek scores of 91 for men and 92 for women at an average of $37 and $29 monthly premiums, respectively. These scores and premiums are based on a 20-year term policy with $500,000 coverage.
When deciding on life insurance, consider factors like policy length, coverage amount and your unique needs.
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 Garden Grove, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceGarden GroveBest Life Insurance Companies in Garden Grove
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 Garden Grove, Protective offers the best life insurance, with MoneyGeek scores of 91 for men and 92 for women and average monthly premiums of $37 and $29, respectively.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction scores and affordable premiums.
Protective stands out as the best life insurance provider in Garden Grove for both men and women, with MoneyGeek scores of 91 and 92 respectively. For women, the monthly premium is $29, and for men, it's $37. It offers competitive rates and robust customer satisfaction across the board.
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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 Garden Grove, Protective stands out with a MoneyGeek score of 91 for men and 92 for women, and monthly premiums of $13 and $12, respectively. This company offers the highest overall value based on a combination of 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 if the insured passes away during the term. It is often chosen over permanent life insurance for its affordability and simplicity. For instance, a parent might opt for term life insurance to ensure their child's educational expenses are covered until graduation.
For men and women seeking reliable term life insurance in Garden Grove, Protective emerges as the top option with a MoneyGeek score of 67 and 66, respectively. Offering a competitive monthly premium of $13 (men) and $12 (women), Protective stands out for its commitment to customer satisfaction and financial stability.
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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 is the best whole life insurance provider in Garden Grove for both men and women, boasting a MoneyGeek score of 92 out of 100. This score reflects the company's strong performance in customer satisfaction and financial stability, making it a solid choice for individuals seeking reliable long-term coverage.
Whole life insurance provides lifelong coverage and includes an investment component that can grow over time. Someone might choose whole life insurance to ensure their family's financial stability while also building cash value that can be borrowed against in the future.
Protective is the premier choice for whole life insurance for both men and women. With a MoneyGeek score of 92 for each, Protective offers a blend of satisfaction and security for its policyholders.
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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 in Garden Grove for both men and women, with a MoneyGeek score of 91. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability, and product diversity.
The top two providers are:
Universal life insurance offers flexibility in premiums and death benefits, making it a suitable option for those seeking long-term financial security. For instance, a parent might choose universal life insurance to provide for their children while also accruing cash value that can be borrowed against in the future.
Protective is the best universal life insurance provider in Garden Grove for both men and women, with a MoneyGeek score of 91. Recognized for its stable financial standing, Protective offers peace of mind to policyholders.
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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 Garden Grove, Protective offers the best life insurance without the hassle of a mandatory medical exam for both men and women, with a MoneyGeek score of 91.
Life insurance without a medical exam allows individuals to obtain coverage quickly and without the need for a medical checkup. This can be particularly beneficial for those with health concerns or who require immediate coverage. For instance, someone with a chronic condition might opt for no-medical-exam insurance to avoid the possibility of being denied coverage or facing higher premiums.
Protective is the premier provider of no-medical-exam life insurance in Garden Grove, catering to both men and women. With an impressive MoneyGeek score of 91 for each, Protective stands out for its commitment to customer satisfaction and 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 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 older men in Garden Grove seeking the best term life insurance for seniors in Garden Grove, Protective leads with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $61 and $56, respectively.
Age impacts life insurance premiums, as insurers consider the increased health risks associated with age. Protective stands out due to its strong performance in affordability, customer satisfaction, buying process, financial stability and product diversity.
| 1 | Protective | $61 | 91 |
| 2 | Mutual of Omaha | $68 | 91 |
| 3 | Nationwide | $57 | 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.
In Garden Grove, Mutual of Omaha stands out for men and women seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and 89, and average monthly premiums of $65 and $67, respectively.
Smoking significantly affects life insurance premiums due to the health risks it poses, often leading to higher rates for smokers than nonsmokers. Mutual of Omaha's score reflects its commitment to providing valuable coverage at competitive prices, making it a strong contender for reliable term life insurance.
| 1 | Mutual of Omaha | $65 | 90 |
| 2 | Nationwide | $63 | 89 |
| 3 | AAA | $68 | 88 |
| 4 | Prudential | $51 | 88 |
| 5 | Transamerica | $60 | 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.
Protective offers the best term life insurance for young adults in Garden Grove. It has a MoneyGeek score of 92 and a monthly premium of $7 for women and $8 for men.
Age is a significant factor in determining life insurance premiums. Younger adults typically pay lower premiums due to their lower risk of health issues.
Protective has the highest MoneyGeek score due to its affordability, high customer satisfaction and strong financial stability. For young adults in Garden Grove, choosing Protective ensures they get the best value and coverage.
| 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.
In Garden Grove, Protective offers the best cheap term life insurance for both men and women, with a MoneyGeek score of 92. The average monthly premium is $12 for women and $13 for men.
Age, health and coverage all influence the cost of life insurance. To get the lowest premiums, you should strive to maintain good health, avoid tobacco use and compare quotes from different insurers.
| 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 Garden Grove is $20 for women and $24 for men.
Several factors influence the cost of life insurance premiums. These include age, health, lifestyle, occupation, policy term and coverage amount.
Life insurance rates in Garden Grove might be higher or lower than in the rest of California due to local health statistics, crime rates, cost of living and other economic factors. For instance, if Garden Grove has lower crime rates or better overall health statistics, premiums might be lower. Conversely, a higher cost of living could drive premiums up.
Understanding these factors can help consumers make informed decisions when purchasing life insurance.
Protective offers the best life insurance in Garden Grove for men, with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for men in Garden Grove is $39. This rate is based on a 20-year term policy and $500,000 coverage.
Protective offers the best life insurance in Garden Grove for women, with a MoneyGeek score of 91 out of 100.
The monthly premium cost for the best life insurance for women in Garden Grove is $22. This rate is based on a 20-year term policy and $500,000 coverage.
Life insurance in Garden Grove may have different premium costs and coverage options compared to other parts of California. These rates may vary in other cities due to local factors.
If a life insurance company goes bankrupt in Garden Grove, policyholders are often protected by state guaranty associations. These associations cover claims up to a certain limit, ensuring that policyholders do not lose their coverage entirely.
Garden Grove residents might need life insurance to provide financial security for their dependents, cover final expenses or pay off debts. Life insurance can also help replace lost income and ensure that loved ones are financially protected in the event of the policyholder's death.
To find a lost life insurance policy in Garden Grove, start by contacting the insurer directly. Check bank records for premium payments and review any personal documents that might contain policy information. State resources, such as the Department of Insurance, can also assist in locating lost policies.
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.
