Updated: November 21, 2024
Advertising & Editorial Disclosure
Protective is the best life insurance company in San Jose, California, for both men and women. The MoneyGeek score for men is 91 out of 100, with an average monthly premium of $42. For women, the MoneyGeek score is 92, with an average premium of $33 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 San Jose, California.
Coverage costs and company information for life insurance providers were updated in September 2024.
BestLife InsuranceSan Jose, CABest Life Insurance Companies in San Jose
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 San Jose for both men and women, with a MoneyGeek score of 92 out of 100 for men and 91 out of 100 for women, at $42 and $33 per month, respectively.
Top Providers for Men
Top Providers for Women
Protective stands out due to its high MoneyGeek scores and competitive premiums. This makes it an excellent choice for the average individual looking to purchase life insurance in San Jose.
For those seeking reliable life insurance in San Jose, Protective emerges as the premier choice for both men and women. With a MoneyGeek score of 91 for women and 92 for men, the company offers competitive monthly premiums of $33 for women and $42 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.
The Protective stands out as the best term life insurance provider in San Jose for both men and women, with a MoneyGeek score of 92 and monthly premiums of $21 and $18, respectively. This company offers a balance of affordability, customer satisfaction, and financial stability, making it an excellent choice for individuals seeking reliable term life insurance coverage.
The top two term life insurance companies for men are:
For women, the top two are:
Term life insurance is a straightforward insurance product that provides coverage for a specific period. For example, a parent might choose term insurance to ensure financial stability for their children until they reach adulthood.
Protective stands out as the premier choice for men and women seeking the best term life insurance in San Jose, boasting a MoneyGeek score of 92. Protective offers a blend of value and security that resonates with customers looking for reliable coverage. Their high scores in customer satisfaction and affordability make them a top contender in the insurance landscape.
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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.
The Protective company stands out as the provider of the best whole life insurance in San Jose for both men and women, boasting a MoneyGeek score of 92. This score reflects a balance of affordability, customer satisfaction, and financial stability, making Protective a solid choice for individuals seeking a reliable insurance policy.
Top whole life companies for men in San Jose:
Top whole life companies for women in San Jose:
Whole life insurance offers a guaranteed death benefit, fixed premiums, and a cash value component that grows over time. For example, someone may choose best whole life insurance for the peace of mind that comes with knowing their policy will not expire as long as premiums are paid, and it can also serve as a financial asset.
Protective emerges as the top choice for whole life insurance in San Jose, catering to both men and women with an impressive MoneyGeek score of 92. Customers value Protective for its robust financial stability and high satisfaction ratings, making it a reliable choice for long-term insurance needs.
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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.
When it comes to finding the best universal life insurance in San Jose, Protective stands out for both men and women, boasting a MoneyGeek score of 91. This top score reflects the company's commitment to affordability, customer satisfaction, and financial stability, making it a solid choice for those seeking reliable life insurance coverage.
Best universal life insurance for men:
Best for women's universal life insurance:
Universal life insurance offers flexible premiums and the potential for cash value growth, making it a versatile option. For instance, someone who wants the ability to adjust their premium payments over time might choose universal life insurance over a term life policy with fixed payments.
Protective emerges as the premier choice for universal life insurance in San Jose, catering to both men and women with an impressive MoneyGeek score of 91. This score reflects a balanced offering that meets a wide range of customer 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.
Protective is the best life insurance without a required medical exam provider in San Jose for both men and women, with a MoneyGeek score of 91. This top ranking signifies that Protective stands out in terms of affordability, customer satisfaction, buying process, financial stability, and product diversity.
Best no-medical-exam life insurance for men:
Best life insurance for women that does not require a medical exam:
Life insurance without needing a medical exam allows individuals to obtain coverage more quickly and with less hassle than traditional policies. For example, someone with a busy lifestyle or a fear of medical procedures might choose best life insurance without a mandatory medical exam to avoid the time-consuming and potentially stressful process of a health examination.
Protective stands out as the premier provider of life insurance that does not require a medical exam in San Jose, with a MoneyGeek score of 91 for both men and women. This score reflects the company's commitment to offering reliable insurance options without the need for a medical examination. Protective's high customer satisfaction and affordability scores demonstrate their ability to meet the needs of a diverse clientele with ease and financial prudence. However, their buying process score indicates room for improvement in the customer experience.
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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 San Jose seeking the best term life insurance for seniors in San Jose, Protective leads with a MoneyGeek score of 91 and an average monthly premium of $100. Women find Protective at the top, earning a MoneyGeek score of 90 and a $84 average monthly premium.
Age impacts life insurance premiums, as insurers weigh the increased health risks that come with age. Mutual of Omaha and Protective stand out due to their strong performance across affordability for seniors, customer satisfaction, buying process, financial stability and product diversity..
| 1 | Protective | $100 | 91 |
| 2 | Mutual of Omaha | $112 | 91 |
| 3 | Nationwide | $95 | 90 |
| 4 | Allstate | $91 | 89 |
| 5 | Transamerica | $92 | 88 |
| 6 | AAA | $126 | 88 |
| 7 | Prudential | $96 | 87 |
| 8 | State Farm | $147 | 86 |
| 9 | Haven | $198 | 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 San Jose, Mutual of Omaha stands out for men seeking the best term life insurance for smokers, with a MoneyGeek score of 90 and an average monthly premium of $108. Women who smoke could fare best with Allstate, earning a score of 89 and a monthly cost of approximately $101.
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 and Allstate's top scores reflect their commitment to providing valuable coverage at competitive prices, making them strong contenders for reliable term life insurance.
| 1 | Mutual of Omaha | $108 | 90 |
| 2 | Nationwide | $103 | 89 |
| 3 | AAA | $112 | 88 |
| 4 | Prudential | $85 | 88 |
| 5 | Transamerica | $100 | 87 |
| 6 | Protective | $175 | 87 |
| 7 | Haven | $107 | 86 |
| 8 | State Farm | $152 | 84 |
| 9 | Allstate | $149 | 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 San Jose, Protective stands out with a MoneyGeek score of 92 and a monthly premium of $13 for men and $11 for women. Age plays a crucial role in determining life insurance premiums.
Younger adults typically benefit from lower costs due to their generally better health and longer life expectancy. Protective's high MoneyGeek score is attributed to its strong performance in affordability, customer satisfaction and financial stability.
| 1 | Protective | $13 | 92 |
| 2 | Mutual of Omaha | $16 | 91 |
| 3 | Nationwide | $15 | 90 |
| 4 | Allstate | $13 | 89 |
| 5 | Transamerica | $13 | 88 |
| 6 | AAA | $17 | 88 |
| 7 | Prudential | $19 | 85 |
| 8 | State Farm | $23 | 85 |
| 9 | Haven | $20 | 84 |
| 10 | Bestow | $28 | 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 men, Protective offers the best cheap term life insurance in San Jose for both men and women with a MoneyGeek score of 92 and an average monthly premium of $21 for men and a MoneyGeek score of 92 and a monthly premium of $18 for women.
Various factors influence the cost of life insurance premiums, including age, health status, coverage amount, term length and tobacco use. To get the lowest premiums, individuals should maintain good health, avoid tobacco, and choose an appropriate coverage amount and term length.
Protective is the ideal choice for those seeking the best cheap term life insurance in San Jose. Choosing a provider with a high MoneyGeek score ensures that you get good value for your money while securing the necessary coverage for your needs.
| 1 | Protective | $21 | 92 |
| 2 | Allstate | $21 | 91 |
| 3 | Nationwide | $24 | 91 |
| 4 | Transamerica | $21 | 91 |
| 5 | Mutual of Omaha | $26 | 89 |
| 6 | AAA | $29 | 87 |
| 7 | Prudential | $29 | 85 |
| 8 | State Farm | $36 | 82 |
| 9 | Haven | $36 | 82 |
The average monthly premium for term life insurance in San Jose, California, is $29 for women and $33 for men. Knowing these rates can help consumers make informed decisions when purchasing life insurance.
Several factors affect the cost of life insurance premiums, including age, health, lifestyle and occupation. Insurance companies assess these factors to determine the risk associated with insuring an individual.
The cost of life insurance in San Jose might be higher or lower compared to other parts of California due to various reasons. Local economic conditions, health statistics and lifestyle trends can all influence insurance premiums. For instance, if San Jose has higher health care costs or a higher incidence of certain health conditions, premiums might be higher. Conversely, lower living costs or healthier lifestyle trends could result in lower premiums.
Protective has the best life insurance in San Jose for men. This is based on their MoneyGeek score, which is the highest among the companies evaluated. The company ranks first in the state for men.
The monthly premium cost for the best life insurance for men in San Jose is $42. Protective offers this rate, which is the highest-rated option based on MoneyGeek's evaluation.
Protective has the best life insurance in San Jose for women. This conclusion is drawn from their MoneyGeek score, which is the highest among the companies reviewed. The company ranks first in the state for women.
The monthly premium cost for the best life insurance for women in San Jose is $33. This rate is offered by Protective, the highest-rated company based on MoneyGeek's assessment.
Life insurance in San Jose may differ from other parts of California in terms of premium costs and company ratings. For example, Protective offers competitive rates and high MoneyGeek scores in San Jose. This may not be the case in other cities where different companies might rank higher or offer better rates.
If a life insurance company goes bankrupt in San Jose, policyholders are generally protected by state guaranty associations. These associations step in to cover claims up to certain limits. It's important to check the specific protections offered in California to understand the coverage limits and procedures.
San Jose residents might need life insurance for various reasons, including providing financial security for their families, covering debts, and ensuring peace of mind. Life insurance can also help with final expenses and provide a financial cushion during difficult times.
To find a lost life insurance policy in San Jose, start by contacting the insurance company directly. If that doesn't work, check with the California Department of Insurance. They can assist in locating lost policies and provide guidance on next steps.
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.
