Updated: November 21, 2024
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Protective is the best life insurance company in Modesto, California, for men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $37. For women, the MoneyGeek score is 92, with an average monthly premium of $29. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors influence life insurance decisions. 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 Modesto, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceModesto, CABest Life Insurance Companies in Modesto
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 Modesto, with a MoneyGeek score of 92 for men and 91 for women. The average monthly premium is $27 and $24, respectively.
Top providers for men:
Top providers for women:
Protective stands out due to its high customer satisfaction scores and affordable premiums. These attributes make it a great choice for individuals seeking reliable life insurance in Modesto.
Protective is the top life insurance provider in Modesto for men and women. With MoneyGeek scores of 91 for women and 92 for men, the company offers a blend of value and reliability. Women can secure coverage at approximately $24 per month, while men pay around $27 monthly.
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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 individuals in Modesto seeking the best term life insurance, Protective stands out with a MoneyGeek score of 92 for men and women. The average monthly premium is $14 for men and $13 for women, offering a balanced combination of affordability, customer satisfaction and financial stability. The company's leading score reflects its commitment to providing products that align with the needs of the average individual looking for reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance offers a straightforward protection plan for a specific period, which can be crucial for those with temporary financial obligations or a limited budget. For example, a parent might choose term life insurance to ensure their child's education costs are covered until graduation.
Protective is the top choice for the best term life insurance in Modesto for men and women, with a MoneyGeek score of 92 for each. Men can expect a monthly premium of about $14, while women pay around $13. The company ensures affordability without compromising on quality. Protective's high score reflects a strong balance of customer satisfaction and financial stability, making it a solid choice for term life insurance seekers.
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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 Modesto for men and women, with a MoneyGeek score of 92 for each. This score suggests that Protective offers a combination of affordability, customer satisfaction and financial stability.
Top whole life companies for men in Modesto:
Top whole life companies for women in Modesto:
Whole life insurance is a form of permanent life insurance that provides coverage for the insured's entire life. Unlike term life insurance, which covers a specific period, whole life insurance includes an investment component, building cash value over time. This can be particularly beneficial for individuals who want to ensure lifelong protection and potentially leave a financial legacy to their beneficiaries.
Protective is the premier choice for whole life insurance in Modesto, with a MoneyGeek score of 92 for men and women. This score reflects the company's dedication to customer satisfaction and financial stability, ensuring policyholders receive quality service and reliable coverage.
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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 is the premier provider of the best universal life insurance in Modesto, with a MoneyGeek score of 91 for men and women. This score suggests that the company stands out for its affordability, customer satisfaction, streamlined buying process, financial stability and diverse product offerings. Choosing Protective could provide the average individual with a reliable and comprehensive insurance solution.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance is a type of permanent life insurance that offers both a death benefit and a cash value component, which can grow over time. For example, someone might choose universal life insurance over other types because it provides flexibility in premium payments and the potential for accumulating cash value, which can be used as a financial resource during their lifetime.
Protective is the premier choice for universal life insurance in Modesto. With a MoneyGeek score of 91 for men and 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 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 is the top choice for the best no-medical-exam life insurance in Modesto for men and women, with a MoneyGeek score of 91 for each. This company stands out for its combination of affordability, customer satisfaction and financial stability, making it an excellent option for the average individual seeking a straightforward and reliable insurance experience.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without a required medical exam is a policy that does not require a medical assessment for approval, which can be particularly beneficial for those with health concerns or a need for quick coverage. For example, someone with a chronic illness might choose this type of insurance over traditional policies to avoid the risk of being denied coverage or facing higher premiums due to their health status.
Protective is the top choice for men and women in Modesto seeking life insurance with no mandatory medical exam. With a MoneyGeek score of 91 for both genders, this company stands out for its exceptional customer satisfaction and strong financial stability.
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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.
In Modesto, Protective provides the best term life insurance for seniors, with a MoneyGeek score of 91 for men and 90 for women. The average monthly premiums are $66 and $60, respectively.
Age is a determining factor in life insurance premiums, as risk increases with age, leading to higher costs. Protective's high MoneyGeek score reflects a balance of affordability, customer satisfaction and financial stability. For seniors in Modesto, this means a reliable coverage option that meets their specific needs without compromising on quality or service.
| 1 | Protective | $66 | 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 | $130 | 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 Modesto seeking term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. The company offers policies at an average monthly premium of $71 and $72, respectively.
Smoking plays a significant role in life insurance premiums, as smokers face higher health risks, which translates to higher costs. Mutual of Omaha's top scores reflect its balance of affordability, customer satisfaction and financial stability, making it a leading choice for the best term life insurance for smokers. Choosing a policy from a company with such credentials can be a wise decision for smokers who want to ensure comprehensive and cost-effective 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 | $100 | 84 |
| 9 | Allstate | $98 | 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 Modesto, Protective stands out with a MoneyGeek score of 92 and an average monthly premium of $8 for men and women.
Age is a key factor in determining life insurance premiums, with younger adults generally benefiting from lower costs. Protective's high score reflects its strong performance in affordability, customer satisfaction 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 Modesto, Protective offers the best cheap term life insurance for men and women, with a MoneyGeek score of 92 for each. The average monthly premium is $14 for men and $13 for women. Protective's high MoneyGeek score reflects its balance of affordability, customer satisfaction and financial stability.
Various factors influence the cost of life insurance premiums, including age, health, coverage amount and term length. Younger and healthier individuals typically pay lower premiums. Additionally, nonsmokers and those with a good health rating receive better rates. To secure the lowest premiums, consider purchasing a policy at a younger age, maintaining good health and choosing a term length that meets your needs.
| 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 cost of term life insurance in Modesto, California, is $22 per month for women and $26 per month for men.
Various factors influence life insurance premiums, including age, health, lifestyle and the amount of coverage. In Modesto, local economic conditions, health statistics and regional risk factors might cause premiums to be higher or lower than in other parts of California. Understanding these factors can help consumers make informed decisions about their life insurance needs.
Protective offers the best life insurance for men in Modesto. The company has the highest MoneyGeek score of 92 out of 100, making it a reliable choice.
The average monthly premium for the best life insurance for men in Modesto is $27. Protective offers this rate, making it an affordable option for many residents.
Protective has the best life insurance for women in Modesto, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Modesto is $24. Protective provides this rate, offering competitive pricing for women.
Life insurance in Modesto does not significantly differ from the rest of California. The same companies and policies are available statewide. However, local economic conditions and demographics may influence premium rates and coverage options.
If a life insurance company goes bankrupt in Modesto, state guaranty associations may step in to protect policyholders. These associations provide a safety net, ensuring that claims are paid and policies remain in force up to certain limits.
Modesto residents might need life insurance to provide financial security for their families, cover outstanding debts and ensure that loved ones are not burdened with final expenses. Life insurance can also help with estate planning and leaving a legacy.
To find a lost life insurance policy in Modesto, contact the insurance company directly. You can also check with the California Department of Insurance or use online tools like the National Association of Insurance Commissioners' Life Insurance Policy Locator.
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.
