Current California Term Life Insurance Rates-May 16th 2022

Compare today’s term life insurance quotes for CA

Compare today’s term life insurance quotes for CA

As of Monday, May 16th, 2022, current term life insurance rates in California are $59 month for a 30-year fixed term.1

PolicyMutual.com has offers for California term life insurance from top partners that are well-below the national average. Compare, apply, and start saving today.

1Methodology: Rates for a 40-year old male, preferred health class, $500k 30-year fixed term policy.

Instant term life insurance and no-medical exam term life insurance quotes for California residents

Results:

30-Year Fixed Term


Insurer: Banner Life Insurance Company

Rating: A+ Superior

Amount: $500,000

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.04

Monthly Rate: $58.99

Receive a personalized quote from Banner Life


Insurer: Protective Life Insurance Company

Rating: A+ Superior

Amount: $500,000

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.05

Monthly Rate: $59.00

Receive a personalized quote from Protective Life


Insurer: Lincoln National Life Insurance Company

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.14

Monthly Rate: $59.70

Receive a personalized quote from Lincoln National Life


Insurer: American General Life Insurance Company

Rating: A Excellent

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.20

Monthly Rate: $59.01

Receive a personalized quote from American General Life


Insurer: Pacific Life Insurance Company

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.21

Monthly Rate: $59.01

Receive a personalized quote from Pacific Life


Insurer: Symetra Life Insurance Company

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.22

Monthly Rate: $59.01

Receive a personalized quote from Pacific Life


Insurer: Transamerica Life Insurance Company

Rating: A Excellent

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $694.22

Monthly Rate: $59.01

Receive a personalized quote from Transamerica Life


Insurer: Prudential Life Insurance Company

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $940.00

Monthly Rate: $82.25

Receive a personalized quote from Prudential Life


Insurer: Mutual of Omaha Life Insurance Company

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $942.50

Monthly Rate: $81.06

Receive a personalized quote from Mutual of Omaha


No Medical Exam 30-Year Fixed Term


Insurer: Savings Bank Life Insurance Company (SBLI)

Rating: A Excellent

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $732.63

Monthly Rate: $61.05

Receive a personalized no medical exam quote from SBLI


Insurer: Ethos Life (Banner Life Insurance Company)

Rating: A+ Superior

Term: 30-Year Term

Health Class: Preferred

Annual Rate: $849.84

Monthly Rate: $70.82

Receive a personalized no medical exam quote from Ethos Life


Instant-decision (Instant-approval) No Medical Exam 20-Year Fixed Term


Insurer: Bestow (North American Company)

Rating: A+ Superior

Term: 20-Year Term

Health Class: Preferred

Annual Rate: $652.0

Monthly Rate: $54.33

Receive a personalized no medical exam quote from Bestow Life


Trends and insights

California term life insurance rates today

Accurate as of 5/16/2022

PolicyMonthly RateRating
40-year fixed-term$142A+
35-year fixed-term$72A+
30-year fixed-term$59A+
25-year fixed-term$49A+
20-year fixed-term$35A+
15-year fixed-term$28A+
10-year fixed-term$22A+
No medical exam 30-year fixed term$61A+
No medical exam 25-year fixed term$58A+
No medical exam 20-year fixed term$38A+
No medical exam 15-year fixed term$28A+
No medical exam 10-year fixed term$23A+
Instant-decision, no medical exam 30-year fixed term$70A+
Instant-decision, no medical exam 25-year fixed term$54A+
Instant-decision, no medical exam 20-year fixed term$38A+
Instant-decision, no medical exam 15-year fixed term$35A+
Instant-decision, no medical exam 10-year fixed term$32A+

Today’s sample rates based on a $500,000 life insurance policy amount for a 40-year old male at the Preferred health rate class, D.O.B. 5/15/1982. Rates vary depending on age, health, build and other underwriting factors. Rates shown are the average of the best rates 3 top term life insurance companies price results.

Top 30 Largest Life Insurance Companies in California 2022

Below is a list of the largest life insurance companies in California for 2022 by premiums written. Not surprisingly, most insurers on the list of the largest life insurance companies in California 2022 many people will recognize and are household names. The list is calculated by the life insurance market share for life insurance premiums annually.

RankingLife Insurance Company
1New York Life
2Transamerica
3MassMutual
4MetLife
5Northwestern Mutual
6Lincoln National (Financial)
7Pacific Life
8American General Life (AIG)
9Pruco Life Insurance Co
10State Farm Life
11John Hancock USA
12Life Insurance Co of the Southwest
13Primerica Life
14Prudential Insurance Co of America
15New York Life and Annuity Corp
16Nationwide Life
17Midland National Life
18Farmers New World Life
19Minnesota Life
20Guardian Life Insurance Company of America
21AAA Life Insurance
22Allianz Life Insurance
23Life Insurance Company of North America
24Brighthouse Life
25United of Omaha (Mutual of Omaha)
26Equitable Financial
27Accordia Life and Annuity
28Protective Life Insurance
29ReliaStar Life Insurance
30Security Benefit Life
Largest Life Insurance Companies California Chart by Premiums Written

The bottom line

California is the most populous state in the country with over 39 million residents. When California residents are shopping for term life insurance coverage it’s important to compare rates from at least 5 highly rated companies or to use a life insurance broker who can do the shopping for you. This will ensure that you are receiving the best rate to say you money.

Compare term life, no-medical exam and whole life insurance quotes instantly from the nation’s top companies such as: Banner Life, Protective Life, Prudential Life, Mutual of Omaha, Transamerica, Lincoln Financial, Bestow Life, Ethos Life, Symetra Life other top California’s top exam and no-exam term insurance companies.

Today’s Current California Term Life Insurance Rate Quotes

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