Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance provider in Moreno Valley, California, with a MoneyGeek score of 91 for women and 92 for men. The average monthly premiums are $21 and $25, respectively. These scores and premium costs are based on a 20-year term policy with $500,000 coverage.
Different factors influence life insurance decisions, so it's important to consider your unique needs. 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 Moreno Valley, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceMoreno ValleyBest Life Insurance Companies in Moreno Valley
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 Moreno Valley, Protective offers the best life insurance for men and women. For men, it has a MoneyGeek score of 92 and an average monthly premium of $25. For women, it has a MoneyGeek score of 91 and an average monthly premium of $21.
Top providers for men:
Top providers for women:
Protective stands out due to its high MoneyGeek scores and affordable premiums, making it a great choice for individuals seeking life insurance in Moreno Valley.
Protective is the preferred life insurance provider in Moreno Valley, with a MoneyGeek score of 91 for women and 92 for men. The company combines affordability with reliability at an average monthly premium of $21 for women and $25 for men.
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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.
In Moreno Valley, Protective provides the best term life insurance for men and women, with a MoneyGeek score of 92 for both. Its average monthly premium is $13 for men and $12 for women. Protective's high score reflects its strong performance across 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 provides coverage for a specific period, offering a death benefit to beneficiaries if the insured passes away during the term. For example, someone might opt for term life insurance to ensure their family can pay off a mortgage or fund education expenses in the event of their untimely death.
Protective is the top choice for the best term life insurance in Moreno Valley for men and women, with a MoneyGeek score of 92 for both. Men can secure coverage at an average monthly premium of $13, while women pay around $12.
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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.
When searching for the best whole life insurance in Moreno Valley, Protective stands out with a MoneyGeek score of 92 for men and women. This score indicates the company's balance of affordability, customer satisfaction and financial stability.
Top whole life companies for men in Moreno Valley:
Top whole life companies for women in Moreno Valley:
Whole life insurance is a type of permanent life insurance that offers a death benefit and cash value component, which can be a financial safety net for policyholders' loved ones or a long-term investment. For example, someone might choose whole life insurance to ensure their family's financial security while accumulating savings that can be borrowed against in the future.
Protective is the premier choice for whole life insurance in Moreno Valley, with a MoneyGeek score of 92 for men and women. This score reflects the company's commitment to customer satisfaction and value.
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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.
In Moreno Valley, Protective provides the best universal life insurance for men and women, with a MoneyGeek score of 91 for both. This score reflects the company's strong performance across affordability, customer satisfaction, financial stability and product diversity.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers flexibility and the potential for cash value growth, making it a compelling option for those who value long-term financial planning. For example, a person interested in estate planning might choose universal life insurance to provide for their heirs while accruing cash value that can be borrowed against during their lifetime.
Protective is the premier provider of universal life insurance in Moreno Valley, with a MoneyGeek score of 91 for men and women. This score reflects the company's commitment to customer satisfaction and financial stability, making it a reliable choice for insurance seekers.
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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 Moreno Valley, Protective is the best no-medical-exam life insurance provider for men and women, with a MoneyGeek score of 91 for both. The company excels in affordability, customer satisfaction and financial stability.
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 offers a convenient option for those who prefer a quicker application process without needing a medical assessment. For example, individuals with busy schedules or those with a fear of needles might opt for this type of insurance.
Protective stands out for its commitment to customer satisfaction and affordable premiums for men and women needing life insurance, with a Moneygeek score of 91 for both genders. 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.
In Moreno Valley, Protective provides the best term life insurance for seniors, with Moneygeek scores of 91 for men and 90 for women. Men can expect an average monthly premium of $60, while women are looking at approximately $54.
Age is a determining factor in life insurance premiums, as insurers view older individuals as higher risk, often leading to increased costs. Protective's high MoneyGeek scores reflect their commitment to affordability, customer satisfaction and financial stability, which are pivotal for seniors seeking reliable coverage.
| 1 | Protective | $60 | 91 |
| 2 | Mutual of Omaha | $67 | 91 |
| 3 | Nationwide | $57 | 90 |
| 4 | Allstate | $54 | 89 |
| 5 | Transamerica | $55 | 88 |
| 6 | AAA | $75 | 88 |
| 7 | Prudential | $58 | 87 |
| 8 | State Farm | $88 | 86 |
| 9 | Haven | $118 | 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 Moreno Valley seeking term life insurance, Mutual of Omaha stands out with a MoneyGeek score of 90 for men and 89 for women. This company offers reliable coverage at an average monthly premium of $64 for men and $65 for women.
Smoking significantly affects life insurance costs, as insurers view smokers as higher-risk clients with a greater likelihood of health-related claims. Mutual of Omaha's high MoneyGeek scores reflect its strong customer satisfaction, financial stability and product diversity. These factors are vital for individuals looking for the best term life insurance for smokers, ensuring they receive competitive rates, comprehensive coverage and quality service.
| 1 | Mutual of Omaha | $64 | 90 |
| 2 | Nationwide | $62 | 89 |
| 3 | AAA | $67 | 88 |
| 4 | Prudential | $51 | 88 |
| 5 | Transamerica | $59 | 87 |
| 6 | Protective | $104 | 87 |
| 7 | Haven | $64 | 86 |
| 8 | State Farm | $91 | 84 |
| 9 | Allstate | $89 | 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.
In Moreno Valley, Protective offers the best term life insurance for young adults, with a MoneyGeek score of 92 for men and women. Its average monthly premium is $8 for men and $7 for women. Protective's high MoneyGeek score reflects its affordability, customer satisfaction and financial stability.
Age plays a significant role in determining life insurance premiums. Younger adults typically benefit from lower rates due to their lower health risks. Understanding these factors can help young adults make informed decisions about their life insurance needs.
| 1 | Protective | $8 | 92 |
| 2 | Mutual of Omaha | $9 | 91 |
| 3 | Nationwide | $9 | 90 |
| 4 | Allstate | $8 | 89 |
| 5 | Transamerica | $8 | 88 |
| 6 | AAA | $10 | 88 |
| 7 | Prudential | $11 | 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.
For those seeking the best cheap term life insurance in Moreno Valley, Protective stands out with a MoneyGeek score of 92 for men and women. Its average monthly premium is $13 for men and $12 for women. Protective's high MoneyGeek score reflects its strong affordability, customer satisfaction and financial stability.
Factors that influence the cost of premiums include age, health, coverage amount and term length. To secure the lowest premiums, maintain excellent health, choose a shorter term length and opt for a lower coverage amount.
| 1 | Protective | $13 | 92 |
| 2 | Allstate | $13 | 91 |
| 3 | Nationwide | $14 | 91 |
| 4 | Transamerica | $13 | 91 |
| 5 | Mutual of Omaha | $15 | 89 |
| 6 | AAA | $17 | 87 |
| 7 | Prudential | $17 | 85 |
| 8 | State Farm | $22 | 82 |
| 9 | Haven | $21 | 82 |
The average cost of term life insurance premiums in Moreno Valley is $20 for women and $24 for men. Many factors affect the cost of life insurance premiums, including age, health, lifestyle choices, the amount of coverage, the length of the term and the insurer.
In Moreno Valley, the cost of life insurance might be higher or lower than in the rest of California due to local demographics, health statistics and lifestyle choices. For example, premiums might be higher if the area has a higher prevalence of certain health conditions or riskier lifestyles. Conversely, a healthier population might result in lower premiums.
Understanding these factors can help you make informed decisions when purchasing life insurance and potentially avoid higher costs.
Protective offers the best life insurance for men in Moreno Valley, with the highest MoneyGeek score of 92 out of 100.
The average monthly premium for the best life insurance for men in Moreno Valley is $25. Protective offers this rate for male policyholders in excellent health aged 31 to 40.
Protective is the best life insurance company for women in Moreno Valley, with the highest MoneyGeek score of 91 out of 100.
The average monthly premium for the best life insurance for women in Moreno Valley is $21. Protective offers this rate for female policyholders aged 31 to 40 who are in excellent health.
Life insurance in Moreno Valley is similar to the rest of California. Protective offers competitive rates and high MoneyGeek scores for men and women. The premium costs and coverage options are comparable to other cities in the state, ensuring residents receive consistent service and value.
If a life insurance company goes bankrupt in Moreno Valley, state guaranty associations typically protect policyholders. These associations ensure that claims are paid and coverage continues, offering financial security even if an insurer faces financial difficulties.
Moreno Valley residents need life insurance for financial security. It helps cover final expenses, provides income replacement for dependents and can pay off debts. Life insurance ensures that loved ones are financially protected in the event of an unexpected death.
To find a lost life insurance policy in Moreno Valley, check personal records and contact the insurance company. You can also use online tools and databases that help locate lost policies. Ensuring all documents are organized can prevent future issues.
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.
