Updated: November 21, 2024
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Protective is the best life insurance company in Irvine, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $52. For women, the MoneyGeek score is 92, with an average premium of $38 per month.
Different factors influence life insurance decisions, and 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 Irvine, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceIrvine, CABest Life Insurance Companies in Irvine
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 Irvine for both men and women, with a MoneyGeek score of 92 out of 100 at an average of $52 per month for men and 91 out of 100 at an average of $38 per month for women.
Top providers for men:
Top providers for women:
Protective stands out due to its high affordability and customer satisfaction scores. This makes it a reliable choice for the average individual looking to purchase life insurance in Irvine.
Protective emerges as the top life insurance provider in Irvine for both men and women, with a MoneyGeek score of 91 for women and 92 for men. The company offers an average premium of $38 for women and $52 for men, reflecting their commitment to affordability 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:
Quotes gathered were for a $250K life insurance policy with a 10-year term.
Protective offers the best term life insurance in Irvine. It boasts a MoneyGeek score of 92 for both men and women and average monthly premiums of $27 for men and $21 for women. It offers a balance of affordability, customer satisfaction and financial stability, making it an optimal choice for the average individual seeking reliable coverage without overpaying for premiums.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a straightforward insurance product designed to offer peace of mind over a specific period. For instance, a parent might purchase a 20-year term policy to ensure their child's education costs are covered in the event of an unforeseen circumstance. It's a practical solution for those who need coverage for a defined time frame, often resulting in lower premiums than permanent life insurance options.
Protective is the leading life insurance provider in Irvine for both men and women, with a MoneyGeek score of 92 for each. It offers affordable premiums at $27 for men and $21 for women. While the buying process may not be its strongest suit, the overall value and reliability it offers make it a top contender in Irvine.
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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 provides the best whole life insurance in Irvine for both men and women, with a MoneyGeek score of 92. This score suggests that Protective stands out in affordability, customer satisfaction, buying process and financial stability, which are crucial for the average individual seeking a reliable life insurance policy.
Top two providers of whole life insurance:
Whole life insurance is a permanent policy that provides a death benefit and accumulates cash value over time. For example, someone might choose whole life insurance for the peace of mind that comes with fixed premiums and the potential to borrow against the policy's cash value in the future.
Protective stands out as the premier choice for the best whole life insurance in Irvine, catering to both men and women with an impressive MoneyGeek score of 92. This score reflects the company's commitment to providing top-notch service and value to its clients.
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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.
For individuals in Irvine seeking the best universal life insurance, Protective is the top choice for both men and women, boasting a MoneyGeek score of 91. The top two providers, based on MoneyGeek scores are as follows:
Universal life insurance is a flexible type of permanent life insurance that combines a death benefit with a savings component. This can be particularly advantageous for those who value the ability to adjust their premiums and coverage amounts over time. For example, someone might choose universal life insurance to ensure long-term financial support for their beneficiaries while also accumulating cash value that can be borrowed against if needed.
Protective is the best universal life insurance provider in Irvine for both men and women, boasting a MoneyGeek score of 91 for each. This score reflects a balance of affordability, customer satisfaction and financial stability, making Protective a reliable choice for life insurance needs.
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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 Irvine, 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.
Here are the top providers of no-medical-exam life insurance:
No medical exam life insurance policies offer coverage without the need for a medical checkup. This can be beneficial for those with health concerns or who require immediate coverage. For example, 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 stands out for its commitment to customer satisfaction and affordable premiums for both men and women needing life insurance. This company simplifies the search for reliable life insurance without the need for a medical exam.
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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 those seeking the best term life insurance for seniors in Irvine, Protective stands out for both men and women. It earned a MoneyGeek score of 91 for men with an average monthly premium of $126, and a score of 90 for women with a monthly premium of $97.
Age is a determining factor in life insurance costs, with premiums typically increasing as one ages. This reflects the higher risk associated with insuring older individuals. Protective's high MoneyGeek score signifies a strong balance between affordability, customer satisfaction and financial stability, making it a top choice for seniors looking for reliable coverage.
| 1 | Protective | $126 | 91 |
| 2 | Mutual of Omaha | $141 | 91 |
| 3 | Nationwide | $119 | 90 |
| 4 | Allstate | $114 | 89 |
| 5 | Transamerica | $116 | 88 |
| 6 | AAA | $158 | 88 |
| 7 | Prudential | $122 | 87 |
| 8 | State Farm | $185 | 86 |
| 9 | Haven | $249 | 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 those seeking the best term life insurance for smokers in Irvine, Mutual of Omaha stands out for both men and women. The company boasts a MoneyGeek score of 90 and a monthly premium of $136 for men, and a score of 89 with a $116 premium for women.
Smoking status is a significant factor in life insurance premiums due to the associated health risks, which often result in higher costs for smokers. Mutual of Omaha's high score reflects its strong performance across customer satisfaction, financial stability and product diversity.
| 1 | Mutual of Omaha | $136 | 90 |
| 2 | Nationwide | $130 | 89 |
| 3 | AAA | $141 | 88 |
| 4 | Prudential | $107 | 88 |
| 5 | Transamerica | $126 | 87 |
| 6 | Protective | $221 | 87 |
| 7 | Haven | $135 | 86 |
| 8 | State Farm | $191 | 84 |
| 9 | Allstate | $187 | 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 Irvine, Protective stands out with a MoneyGeek Score of 92 and an average monthly premium of $12 for women and $16 for men.
Age significantly affects the cost of life insurance premiums. Younger adults typically pay lower premiums due to lower health risks. Protective's high MoneyGeek score reflects its affordability, excellent customer satisfaction and strong financial stability.
| 1 | Protective | $16 | 92 |
| 2 | Mutual of Omaha | $20 | 91 |
| 3 | Nationwide | $19 | 90 |
| 4 | Allstate | $16 | 89 |
| 5 | Transamerica | $16 | 88 |
| 6 | AAA | $22 | 88 |
| 7 | Prudential | $24 | 85 |
| 8 | State Farm | $29 | 85 |
| 9 | Haven | $25 | 84 |
| 10 | Bestow | $35 | 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 the best cheap term life insurance in Irvine, Protective stands out with a MoneyGeek Score of 92 and a monthly premium of $21 for women and $27 for men. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction, and financial stability, making it a top choice for those seeking the best cheap term life insurance in Irvine.
Factors affecting life insurance premiums include age, health, coverage amount, and term length. To get the lowest premiums, maintain good health, choose a shorter term, and opt for a lower coverage amount if possible.
| 1 | Protective | $27 | 92 |
| 2 | Allstate | $27 | 91 |
| 3 | Nationwide | $31 | 91 |
| 4 | Transamerica | $27 | 91 |
| 5 | Mutual of Omaha | $32 | 89 |
| 6 | AAA | $36 | 87 |
| 7 | Prudential | $36 | 85 |
| 8 | State Farm | $46 | 82 |
| 9 | Haven | $45 | 82 |
The average cost of term life insurance in Irvine is $35 per month for women and $50 per month for men.
Many factors affect the cost of life insurance premiums. These include age, health, lifestyle, occupation coverage amount, and policy term. Each of these factors can influence how much you pay for life insurance.
In Irvine, the cost of life insurance might be higher or lower compared to the rest of California due to various regional factors. Local health statistics, cost of living, and regional risk factors can all play a role in determining premiums. Understanding these factors can help you make informed decisions about your life insurance needs.
Protective has the best life insurance in Irvine for men, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium cost for the best life insurance for men in Irvine is $52.
Protective has the best life insurance in Irvine for women with a MoneyGeek score of 92 out of 100.
The monthly premium cost for the best life insurance for women in Irvine is approximately $38.
Life insurance in Irvine may have different premium costs and company ratings compared to other cities in California. For example, Protective has the highest MoneyGeek score in Irvine. This may not be the case in other cities. Always compare local options before making a decision.
If a life insurance company goes bankrupt in Irvine, state guaranty associations may protect policyholders. These associations provide coverage up to certain limits. It is important to check the specific coverage limits and protections offered in California.
Irvine residents might need life insurance to provide financial security for their families. Life insurance can cover funeral costs, pay off debts, and replace lost income. It is a way to ensure that loved ones are financially protected in the event of an untimely death.
To find a lost life insurance policy in Irvine, start by checking personal records and contacting the insurance company. The California Department of Insurance may also assist in locating lost policies. Another option is to use online search tools designed to find lost life insurance 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.
