Best Life Insurance Companies In Huntington Beach, CA

In a nutshell, MassMutual is our pick for the best life insurance company in Huntington. With that being said, the best insurer for you will depend on what you need from a life insurance policy.

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Updated: 02 July 2024
Written by Bob Phillips
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If you’ve been living in the vibrant and picturesque city of Huntington Beach, California, you must have been bombarded with numerous advertisements, emails, and commercials about life insurance.

With so many options to choose from, it can be overwhelming to decide on the right provider, especially when every company claims to be the best. However, selecting the perfect life insurance policy that fits your individual needs is crucial and depends on various factors, such as your age, health status, and lifestyle choices.

This article will delve into the top life insurance companies in Huntington Beach, exploring their distinctive features, policy types, benefits, downsides, and customer feedback.

Furthermore, I’ll provide you with exclusive insights into the average cost of life insurance in Huntington Beach, giving you a complete overview of what to expect.

As a resident of Huntington Beach, you understand that life here is unique and dynamic, and your life insurance should reflect that. Our thorough analysis will assist you in finding the insurance company that aligns with your individual preferences, providing you with the assurance and security you need for the future.

With more than ten years of experience in the life insurance industry and extensive research, I’m more than confident in presenting you with the most exceptional life insurance options available in Huntington Beach.

Best Life Insurance Companies In Huntington Beach, CA 2024

By continuing to read, you'll gain valuable insights into each of these companies, enabling you to make an informed decision and choose the perfect policy from one of Huntington Beach's top life insurance providers.
I believe that everyone deserves to have access to the best possible life insurance options, and I am here to ensure that you do too.

Best Life Insurance, Huntington Beach 2024

Compare The Best Life Insurance Companies In Huntington Beach, CA

Making a decision about life insurance is a crucial step that requires thoughtful consideration. Nevertheless, with a vast array of options available, it can be challenging to navigate through the information overload and make a well-informed decision.

Many people tend to make the mistake of not comparing the various insurance companies they are considering against each other.

That's where I come in. Utilizing my extensive experience working with multiple insurance providers, insights from acquaintances representing others, and thorough personal research, I have created a unique and personalized comparison chart.

This chart is tailored to assist you in finding the ideal life insurance provider that meets your specific needs, and to simplify the process of selecting the right policy for you.

So, take advantage of this comparison chart to jump-start your journey towards securing your future with the perfect life insurance provider in Huntington Beach.

A.M. Best Rating Overall Rating Online Experience Rating Customer Satisfaction Ratings Best For Get A Quote





Cheapest Term Insurance

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Best Overall

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Haven Life






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Mutual of Omaha





Online Experience

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State Farm





Customer Service

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Our Methodology

Our meticulous analysis of the top life insurance providers in Huntington Beach was based on several key factors. I scrutinized years of service, policy options, financial stability, customer feedback, and website transparency to provide you with an unbiased evaluation of each company.

I also considered my personal interactions with these insurers, except for Haven Life, which was evaluated purely on objective criteria.

After thorough research and careful consideration of these diverse aspects, I've compiled a comprehensive list of the best life insurance companies in Huntington Beach.

Our rankings are designed to help you make an informed decision when selecting a life insurance provider that caters to your unique needs.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Reviews Of The Best Life Insurance Companies In Huntington Beach

Best Overall

Overall Rating

Key Statistics

8/10 Affordability
9/10 Customer Reviews
10/10 Claims/Payouts
10/10 Coverage Level

Why We Like Them

MassMutual offers a wide range of life insurance products, making it an attractive option for Huntington Beach residents seeking customizable coverage options.

With a long-standing history dating back to 1851, MassMutual has established itself as a reputable company in the industry, and its policies are backed by the highest financial ratings.

One unique feature of MassMutual is that it is a mutual company, which means it is partially owned by policyholders and pays out dividends on some of its permanent life insurance policies.

This can be a significant advantage for policyholders looking for potential long-term returns on their investment.

In terms of customer satisfaction, MassMutual ranked 9th overall in the 2022 U.S. Individual Life Insurance Study by J.D. Power. This, coupled with the company’s extensive product training for its career agent sales force, ensures that policyholders and prospective clients receive high-quality service and expertise.

MassMutual is known for offering high coverage limits, with term policies starting at $100,000 and going up to $10 million.

While the company’s premiums may not be the lowest, they are competitive compared to other companies with similar sales models, such as New York Life and Northwestern Mutual Life.

One potential downside of MassMutual is that its premiums may be more expensive than those of other insurers that sell policies through independent life insurance agents. This is due to the high overhead associated with maintaining a career agent sales force.

For more than 170 years, this company has established itself as a trustworthy provider of diverse life insurance policies, ranging from term life to permanent life insurance that comes with the added benefit of cash value accumulation.

What’s more, MassMutual offers fixed and variable annuities that guarantee a reliable income stream throughout an individual’s lifetime with just one deposit. If you reside in Huntington Beach, you can trust that your family will be financially secure in the event of your passing, and you will also have access to retirement income alternatives thanks to MassMutual.

Benefits & Drawbacks

  • Hassle-free online claims filing process that streamlines the claims process.
  • Provides comprehensive policy details online, enabling clients to understand their coverage better.
  • Offers a vast array of policy options, including both term and permanent coverage.
  • The inability to apply for permanent policies online creates a potential inconvenience for clients looking to purchase this type of coverage.
  • They only provide term policies through a third party platform

Runner-Up For Best Overall

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims/Payouts
9/10 Coverage Level

Why We Like Them

Nationwide, a leading financial services company established in 1925 and headquartered in Columbus, Ohio, has a global presence and provides an extensive range of insurance products, including life insurance and annuities, to cater to the diverse needs and budgets of customers in Huntington Beach.

Renowned for offering a variety of life insurance policies, Nationwide’s options include term life, whole life, and universal life insurance. These policies are sold through an agent sales force and approved financial professionals who undergo a rigorous vetting process.

Nationwide is a popular choice for seniors in Huntington Beach, thanks to its larger face amounts and annuities for businesses.

The company’s user-friendly website provides detailed product descriptions, making it easy for customers to make informed decisions. Additionally, Nationwide offers other insurance products, such as long-term care and pet insurance.

One unique feature of Nationwide’s life insurance policies is the bundle discount, which allows customers to combine their life insurance policies with auto and homeowners insurance policies, simplifying premium payments and providing comprehensive protection for families and properties with one company.

This bundling makes Nationwide an attractive choice for customers in Huntington Beach looking for convenience and value.

While Nationwide may not be the first company that comes to mind for estate planning in Huntington Beach, the company does offer life insurance policies.

However, Nationwide’s primary focus is on selling property and casualty insurance through their agent sales force. If you’re looking for a standalone life insurance policy with a high coverage limit, you may want to consider other providers in Huntington Beach.

Nonetheless, Nationwide could be a strong option for those interested in bundling their life insurance with other policies. One unique feature of Nationwide is that it includes life insurance in its bundle discounts, which is not offered by other insurers.

This bundling provides comprehensive coverage at a lower cost, making Nationwide an attractive choice for those seeking such benefits.

Benefits & Drawbacks

  • Competitive premium rates ensure that policyholders get the most value for their money.
  • Offers a variety of life insurance options, such as term, whole, and universal life policies, giving customers more flexibility in choosing a policy that suits their needs.
  • Gives policyholders the option to tailor their coverage with riders, allowing for more personalized protection.
  • Permanent policy quotes and applications cannot be completed online, which may be inconvenient for some customers who prefer a streamlined process.
  • Term insurance is only available to individuals who are 70 or younger, limiting the options for older individuals looking for coverage.

Best For Seniors

Overall Rating

Key Statistics

8/10 Affordability
10/10 Customer Reviews
9/10 Claims/ Payouts
9/10 Coverage Level

Why We Like Them

For decades, Mutual of Omaha has been a trusted name in the insurance industry, particularly among seniors in Huntington Beach.

The company is renowned for providing quality life insurance products tailored to the unique needs of Baby Boomers and their parents. As someone who has worked as an agent, trainer, and manager at the company, I can attest to their unwavering commitment to delivering exceptional service to policyholders.

While United of Omaha, a Mutual of Omaha subsidiary, offers life insurance to people of all ages, their specialization in serving seniors is what sets them apart.

In addition to their popular Medicare Supplement policies, they’ve established travel insurance kiosks at Huntington Beach airports, making it easier for seniors to obtain coverage for their trips.

Mutual of Omaha offers a range of life insurance options, including term, whole, and universal life insurance. Although their permanent insurance rates may be higher than those of other insurers, they remain competitive.

Nonetheless, it’s their expertise in the senior life insurance market that makes them stand out in Huntington Beach. Their “Final Expense Insurance” policy, marketed to individuals between the ages of 45 and 80, is particularly noteworthy.

This policy doesn’t require a medical exam, but it does ask for information about medical history. While not guaranteed to be issued, it’s a valuable option for seniors with a tighter budget.

If you’re a senior in Huntington Beach looking for a hassle-free way to obtain a life insurance policy with smaller face amounts, look no further than Mutual of Omaha Senior Life.

Their “Final Expense Insurance” policy is designed with you in mind, offering coverage amounts ranging from $5,000 to $25,000, and a simple application process with flexible underwriting requirements.

Mutual of Omaha Senior Life is known for its dedication to providing exceptional customer service, a reputation that was recently confirmed when it ranked third in J.D. Power’s 2022 Life Insurance Survey.

This accolade reflects the company’s commitment to ensuring that its policyholders are well taken care of and can rely on them during their time of need.

So, if you’re a senior in Huntington Beach who wants a reliable life insurance policy that won’t break the bank, Mutual of Omaha Senior Life is a solid choice.

Benefits & Drawbacks

  • Well-regarded for providing exceptional customer support.
  • Caters to the specific requirements of senior citizens.
  • Delivers reliable services and maintains a solid financial position.
  • The premium rates for term life insurance are relatively steep when compared to other insurance companies.
  • Does not provide guaranteed issue policies to its clients.

Best Cheap Life Insurance

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
9/10 Claims/Payouts
10/10 Coverage Level

Why We Like Them

Transamerica is a life insurance company that offers competitive premiums, making life insurance policies accessible to people of all ages.

Unlike other providers, Transamerica relies solely on independent agents or brokers to sell their policies, ensuring high-quality service while keeping premiums low.

One of Transamerica’s most popular offerings is the Trendsetter Super Policy, which provides up to $10 million in term life protection.

If your policy’s face amount is $2 million or less and you are in excellent health, you may not need to undergo a medical exam to purchase this policy, saving you time and hassle.

The Trendsetter Super Policy is also a convertible term life insurance policy, allowing you to convert your coverage to a permanent life insurance policy during the conversion period specified in the policy.

This feature provides flexibility to start with a large face amount and low premium and then convert it to a whole or universal life insurance policy with a higher premium when your income increases.

Transamerica also offers life insurance coverage for foreign nationals working in the United States. To be eligible for this coverage, you must have a global net worth of at least $1 million and citizenship from one of the 47 qualifying countries.

This specialized coverage ensures that your loved ones are taken care of, no matter what life throws your way.

Transamerica is a top choice for cost-effective life insurance in Huntington Beach. With a reputation for providing customer-centric policies at competitive premiums, Transamerica makes getting life insurance a hassle-free experience.

As a former agent of Transamerica, trust me when I say the company’s unwavering commitment to providing service to its clients is exceptional. With Transamerica, you can trust that your life insurance needs are in good hands.

Benefits & Drawbacks

  • Has an excellent track record of paying claims promptly.
  • Provides the cheapest rates for term life insurance in the market.
  • Available for customers through independent agents, ensuring personalized service.
  • Has received a slightly higher number of NAIC complaints compared to the industry average, indicating some customer dissatisfaction.
  • Independent agents may not be well-versed with all the products offered by the company.

Best For Customer Service

Overall Rating

Key Statistics

8/10 Affordability
10/10 Customer Reviews
9/10 Claims/payouts
7/10 Coverage Level

Why We Like Them

Don’t underestimate State Farm as a viable insurance option for Huntington Beach residents.

With over 100 years of experience and a strong presence throughout the city, this trusted provider has expanded beyond auto insurance to offer renters, homeowners, and permanent life insurance policies, including whole life.

While State Farm may not be as well-known for its life insurance products, their permanent policies are high quality and worth considering. Although their term life rates may not be the most competitive, local agents can offer additional benefits and personalized service.

State Farm’s commitment to customer service is evident in its vast network of 18,000 agents across the nation, including many in Huntington Beach.

With 343 claim offices and 30 operations centers, they prioritize customer satisfaction and consistently receive high ratings in JD Power’s annual customer satisfaction survey.

If you’re looking for a life insurance provider that prioritizes customer service and convenience, consider State Farm. I recently had an excellent experience purchasing a policy from a local agent, impressed by the streamlined process and exceptional service.

While State Farm’s rates may be slightly higher than some competitors, their extensive network of agents and claim offices demonstrates their commitment to customer satisfaction. State Farm’s permanent life insurance policies are high-quality and worth considering.

When choosing a life insurance provider, don’t overlook the importance of convenience and customer service. With their dedication to serving clients, State Farm is a top contender for Huntington Beach residents seeking a hassle-free experience.

Benefits & Drawbacks

  • Offers the flexibility to convert term policies into permanent policies.
  • Boasts a convenient presence with multiple nearby offices to choose from.
  • Earns high marks in customer satisfaction, attesting to exceptional service.
  • Limited age eligibility for some policies, as coverage is unavailable for individuals over 65.
  • Direct purchase is required as policies cannot be obtained through independent agents.

Best For Buying Online

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims/Payouts
8/10 Coverage Level

Why We Like Them

Looking for a hassle-free, fully digital life insurance buying experience in Huntington Beach? Look no further than Haven Life, a relatively new but standout player in the industry.

Backed by MassMutual, Haven Life exclusively offers term life insurance policies and is known for its streamlined, straightforward process.

Their primary product, Haven Term, offers a maximum death benefit of $3 million and competitive premiums. The entire application process can be completed online, requiring only basic personal information and answers to a few medical questions, taking just 15 minutes.

Everything from getting a quote to filing a claim can be done online with clear instructions provided on their user-friendly website.

What sets Haven Life apart is their no medical exam requirement or need to meet with a paramedical professional. Approval is based solely on your responses to medical questions, with the underwriting process known for being fair.

If you’re a tech-savvy Huntington Beach resident seeking an efficient, hassle-free way to purchase term life insurance, Haven Life is definitely worth considering.

If you’re on the lookout for a life insurance provider that prioritizes swift and hassle-free service, then Haven Life could be your ideal choice. This digital platform focuses exclusively on term life insurance policies with a maximum death benefit of $3 million and competitive premiums.

Haven Term, Haven Life’s primary product, has gained immense popularity among the residents of Huntington Beach. What sets Haven Life apart from its competitors is its fully online application process, which only requires basic personal information and answers to medical questions.

With Haven Life, you won’t have to deal with the hassle of a medical exam or meeting a paramedical professional. This provider streamlines the process of obtaining approval for your policy with its tech-driven and straightforward application process.

If you’re seeking a modern and convenient way to purchase term life insurance in Huntington Beach, Haven Life is a top-notch option to explore.

Benefits & Drawbacks

  • Makes getting life insurance coverage simple and hassle-free by not requiring a medical exam or complicated underwriting process.
  • Provides policyholders with a wide range of coverage options, ranging from $25,000 to $3 million, making it easy for individuals to find a policy that fits their specific needs and budget.
  • Policyholders can choose a policy term anywhere between 5 to 30 years, offering flexibility and peace of mind.
  • Does not currently have a mobile application for easy access to policy information, but customer support is always available to assist with any questions or concerns.
  • Does not offer permanent life insurance policies, which may not be the best fit for those seeking lifelong protection.

How To Find The Best Life Insurance Company For You

When searching for life insurance in Huntington Beach, it’s crucial to choose a company that aligns with your specific requirements.

While Mutual of Omaha may not be the best option for a 35-year-old looking for a $1 million term life insurance policy, companies such as Transamerica or Haven Life might better suit their needs.

On the other hand, if you prefer working with a dedicated agent, companies like State Farm or MassMutual may be the right choice for you, rather than ones that use independent agents.

To make an informed decision, keep in mind these five essential factors while researching your options:

  1. What are the company’s financial ratings?
  2. Does it offer the type of policy that matches my needs?
  3. Do I need help from a local agent to select the right policy for me?
  4. Are the company’s rates competitive for my age group?
  5. Are the majority of the company’s online reviews positive?

Planning for the future and safeguarding the financial wellbeing of your loved ones in Huntington Beach begins with choosing the right life insurance company that caters to your unique needs.

With a plethora of options to choose from, it’s crucial to do your due diligence by asking the right questions and conducting extensive research.

Scrutinizing policies, coverage amounts, premiums, and underwriting practices can significantly impact the right decision in selecting an ideal life insurance provider.

Taking the time to do your homework and making informed comparisons can lead to a smart investment in securing your family’s financial future.

Largest Life Insurance Companies In Huntington Beach

Although size doesn’t necessarily equate to quality in the life insurance industry, it’s still essential to know which companies are leading the way in California.

However, finding the best provider is not just about the size of the company. Our team of experts has compiled a comprehensive breakdown of the top life insurance providers in California based on various factors such as coverage options, customer service, and affordability.

This unique guide will assist you in selecting the ideal provider that meets your specific needs, ensuring you have peace of mind knowing that you’re covered by a trusted and reliable life insurance company:

Rank Company Name California Market Share
1 New York Life 8.64%
2 Transamerica 7.00%
3 Northwestern Mutual 6.28%
4 MassMutual 5.00%
5 Prudential 4.77%
6 Lincoln National 4.16%
7 Met Life 4.02%
8 Pacific Life 3.61%
9 National Life 3.25%
10 John Hancock 2.91%

Selecting the right life insurance company in Huntington Beach requires a thorough and thoughtful approach. While the size of a company may catch your attention, it should not be the sole determinant of quality.

In addition to considering the size of a company, it’s important to assess other crucial factors like policy options, customer service, and financial stability ratings.

Ultimately, finding a life insurance provider that aligns with your specific needs and priorities will give you the peace of mind you need to protect your loved ones from unexpected events.

Average Cost Of Life Insurance In Huntington Beach

Average Monthly Life Insurance Rates For Men In Huntington Beach

Company Rates for $250,000 Death Benefit Rates for $1 Million Death Benefit
Transamerica $13 $28
MassMutual $15 $35
State Farm $23 $51
Nationwide $16 $30
Mutual of Omaha $17 $35
Progressive Life $22 $81

Average Monthly Life Insurance Rates For Women In Huntington Beach

Company Rates for $250,000 Death Benefit Rates for $1 Million Death Benefit
Nationwide $12 $20
State Farm $22 $65
MassMutual $11 $23
Transamerica $10 $19
Progressive Life $14 $54
Prudential $21 $80

In order to provide an estimate of the cost of a 10-year term life insurance policy in Huntington Beach, I’ve conducted a study that analyzed quotes from various insurance companies in the area.

Our study considered different factors such as age, gender, and health status of a typical policyholder, including a 30-year-old male weighing around 179 pounds and a 30-year-old female weighing around 142 pounds.

By comparing the quotes I received, I was able to determine the average cost of a 10-year term life insurance policy in Huntington Beach. Keep in mind that your individual circumstances may affect the cost of your policy, so it’s always recommended to obtain personalized quotes from different providers.

Factors That Impact The Cost Of Your Life Insurance Policy In Huntington Beach

When purchasing life insurance, the cost of the policy is determined by various factors, which can vary from one insurance provider to another. However, some common factors are usually taken into account, including:

• Medical history

• Age

• Height

• Gender

• Policy face amount

• Weight

• Occupation

• Hobbies

• Smoker or non-smoker status

While these factors may differ in importance depending on the insurance company, they are often used as a basis for calculating premiums.

It’s worth noting that your location, whether in Huntington Beach or any other city, does not directly impact the cost of your life insurance policy.

Instead, the factors mentioned above are usually the primary considerations when determining the cost of your policy.

To get a better idea of the cost of a life insurance policy that meets your specific needs, it’s best to get quotes from multiple insurance companies and compare their offers.

California Life Insurance Laws To Know

When buying life insurance in California, whether in Huntington Beach or another city, it’s essential to be aware of the state’s unique regulations that can impact your coverage.

Here are some of the regulations to keep in mind:

  • Contestable period: This is the time period within which an insurer can contest potentially fraudulent or misrepresented claims on the coverage application. In California, the contestable period lasts for a maximum of two years, after which the policy is typically considered incontestable, except for cases of nonpayment of premiums.
  • Free look period: This provision allows policyholders to cancel a new policy without any penalties within the first 10 days of enrollment.
  • Time period for claim settlement: Life insurance companies in California are required to settle claims within 30 days of receiving satisfactory proof of death documents. If they fail to do so, interest will be added to the unpaid amount.
  • Grace period: California law mandates that insurers provide a minimum grace period of 60 days for policyholders to pay a missing premium before any penalties can be imposed.


Is life insurance more expensive in California?

Life insurance companies use individual factors like age, gender, medical history, and lifestyle habits to determine policyholder costs, rather than state of residence.

Despite state regulations, insurers cannot charge different rates based on location, so the cost of life insurance should be consistent across all states, including California.

However, it’s important to note that state regulations can affect coverage in other ways, such as the free look period, claim settlement time period, contestable period, and grace period.

How much per month is a $1 million life insurance policy in Huntington Beach?

Following our analysis of quotes from different insurance providers operating in Huntington Beach, I discovered that the cost of life insurance is influenced by a range of factors.

These factors include age, gender, health status, and lifestyle choices. Our research indicates that a 30-year-old male seeking a 10-year term life insurance policy with coverage worth $1 million could expect to pay around $20 per month in Huntington Beach.

On the other hand, a 30-year-old female with similar coverage could expect to pay roughly $16 per month.

Which company has the lowest life insurance rates in Huntington Beach?

According to our findings, Transamerica stands out among other major insurance companies by offering the most cost-effective life insurance rates for both men and women in Huntington Beach.

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