Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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UPDATED: Sep 6, 2020

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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 partner with top life insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

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 as well as 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.

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 as well as 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 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 a timely payment of claims. 

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. 

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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.

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You can also see how many life insurance companies there are in California versus the other western states.

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According to the chart, there are 14 California life insurance companies that 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 find out exactly who will offer you the best California life insurance rate.

California Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of 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.

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 any one life. In other words, multiple policies on any one person are limited to this amount.

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.

Guaranty Association

If you need information about a California life insurance or health insurance guaranty, contact the California Life & Health Insurance Guarantee Association at 1-323-782-0182 or visit the website.

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). You can also visit the website.

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 to make sure your provider is compliant with state regulations.

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.

California Life Insurance Companies

American General Life Insurance Company

Banner 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.