California Life Insurance [2024]
California insurance offers residents a 10-day free look period, 30-day grace period, and a timely payment of claims. Get affordable CA insurance quotes to protect your loved ones.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Feb 27, 2024
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- California life insurance companies offer a ten-day free look period
- Life insurance in California comes with a 30 day grace period
- A life insurance policy is protected up to 80% of the death benefit
We offer California residents life insurance from several of the best CA life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so expect your California life insurance rates to differ.
However, this guide should help you understand the differences in California life insurance and find resources in your state. We’ll also show you how to get the best life insurance in California.
Before we dive into this guide, find affordable California life insurance rates by clicking on our FREE quote tool above. Get started now.
How To Get California Life Insurance Quotes
We offer California residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences and find resources in your state.
Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies and then approved by the State Insurance Department.
Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.
Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.
California life insurance also offers residents a 10-day free look period, 30-day grace period, and timely payment of claims.
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What are the average life insurance rates in California?
Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with California life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender.
Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, California life insurance quotes are much higher, presumably because of the higher mortality risk.
You can also see how many life insurance companies there are in California versus the other western states.
According to the chart, 14 California life insurance companies specifically do business within the state. However, that doesn’t mean fewer California life insurance policy options for you. Click our free quote tool on this page to determine who will offer you the best California life insurance rate.
What is the California Guaranty Association?
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association comprises all insurance companies licensed to sell life insurance, health insurance, and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims up to defined limits. (For more information, read our “How to Sell Your Life Insurance Policy“).
In California, a life insurance policy is protected up to 80% of the death benefit, not to exceed $300,000. This amount is the maximum benefit provided for anyone’s life. In other words, multiple policies on any one person are limited to this amount.
What are the California life insurance contacts?
Here is a list of all the necessary state contacts for residents with California life insurance claims and other related matters.
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Guaranty Association
If you need information about a California life insurance or health insurance guaranty, contact the California Life & Health Insurance Guarantee Association or call them at 1-323-782-0182
Insurance Department
For the latest updates from the bureau of insurance in the state, contact the California Department of Insurance. It’s your source for the California Department of Insurance regulations and more. The California Department of Insurance’s phone number is 1-800-927-HELP (4357). To ensure your provider complies with state regulations, you can also get up-to-date information about your life insurance status and locate a specific California insurance company, including their California insurance license renewal status.
Legal Info
QuickQuote is licensed to sell life insurance in California under Agency License Number 0C36816.
The licensed company principal is Tim Bain, Agent License Number 0D23811.
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What are the different California Life Insurance Companies?
American General Life Insurance Company
Fidelity Life Association
Haven Life / MassMutual
John Hancock Life Insurance Company
Lincoln National Life Insurance Company
Metlife Life Insurance Company
North American Company for Life & Health Insurance
Pacific Life & Annuity Company
Principal Life Insurance Company
Protective Life Insurance Company
Pruco Life Insurance Company (Prudential)
Sagicor Life Insurance Company
The Savings Bank Life Insurance Company of Massachusetts (SBLI)
Transamerica Life Insurance Company
United of Omaha Life Insurance Company
Don’t wait — Use our free quote tool to get affordable life insurance rates in Californai. Get started now.
Frequently Asked Questions
How do I get California insurance quotes?
You can get California insurance quotes by using our free quote tool. Simply click on the quote tool and enter your information to receive personalized quotes from several A-rated insurance companies. The process is quick and easy.
Do California insurance rates vary by state?
No, the premium (cost) you pay for your insurance policy does not vary by state. The premiums are set by insurance companies and then approved by the State Insurance Department. However, the availability of specific companies and products may vary from state to state.
What is the California Guaranty Association?
The California Guaranty Association is a state organization committed to protecting policyholders and beneficiaries in the event of an insurance company’s insolvency. It ensures that coverage continues and claims are paid up to defined limits if an insurance company goes out of business.
Who should I contact for California insurance-related matters?
For information about California insurance or health insurance guaranty, you can contact the California & Health Insurance Guarantee Association at 1-323-782-0182. If you have general inquiries or need updates from the Bureau of Insurance, you can reach the California Department of Insurance at 1-800-927-HELP (4357).
How can I find the best insurance in California?
To find the best insurance in California, it’s important to compare quotes from multiple insurance companies. You can use our free quote tool to receive personalized quotes from several A-rated insurance companies. By comparing the quotes, you can find the coverage that suits your needs and offers competitive rates.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
