Expertise.com

Best Life Insurance Companies in Apple Valley

2024

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Last updated:

Website
16048 Tuscola Road, Apple Valley, CA 92307
  • Life Insurance
  • Health Insurance

Why choose this provider?

Guy Burnett is a State Farm insurance agent based in Apple Valley. Guy helps residents and businesses manage financial risks through a range of insurance products, including life, health, home, and auto insurance plans. He educates his clients about available life insurance options, such as term, universal, and whole life insurance, and aid in determining appropriate coverage packages, including cash value build-ups, lifelong protection, or a combination of these two. Guy has been living in the High Desert area since 1983.

License Verified:

License: 0I18158

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.0 / 5 (7)
Facebook
5.0 / 5 (6)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
22617 California 18, Apple Valley, CA 92308
  • Life Insurance
  • Health Insurance

Why choose this provider?

Vineyard Insurance Services is a family-owned insurance agency that has been serving Apple Valley and the neighboring communities since 2004. It offers life insurance solutions, including term life, whole life, universal plan, and guaranteed life policies. The company also provides vehicle, recreational, property, and business insurance products. In addition, commercial clients can choose from several policies such as professional liability, commercial auto, and workers' compensation insurance. The staff at Vineyard Insurance Services has more than 35 years of combined experience in the industry.

License Verified:

License: 0E81060

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (50)
Yelp
5.0 / 5 (11)
Google
4.7 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
21735 California 18, Apple Valley, CA 92307
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Term Team handles the insurance needs of its clients in the Apple Valley area. It works with multiple carriers to provide life, health, and final expense insurance options. Moreover, it offers annuities and dental insurance. The company also specializes in dealing with Medicare-related assistance for seniors, offering them original Medicare plan that helps with hospital costs and outpatient care. Additionally, it gives senior citizens different options for their supplemental plans, including Medicare Advantage and Medicare Supplement.

License Verified:

License: 0C86169

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Are spouses automatically become the life insurance beneficiary if their partner dies in Apple Valley?

    Not at all. A spouse may not be a life insurance beneficiary in Apple Valley for a variety of reasons, including failure to change the beneficiary designation after marriage, a deliberate decision to exclude the surviving spouse, or the deceased spouse's selection of an alternative beneficiary, such as an adult child or a charitable organization. There is also the possibility that the survivor spouse acquires additional assets of equal or greater value.

  • Can you claim life insurance for a person who is not a relative in Apple Valley?

    Yes, you can claim a death benefit in Apple Valley life insurance on a person who is not a relative if you have an insurable interest in them. To have an insurable interest in someone means that their death would put you in a lot of trouble financially. While insurable interest is usually present in blood relationships, it may be absent in other situations unless proof of financial dependence can be provided.

  • Can you liquidate life insurance in Apple Valley?

    In Apple Valley, the cash value component of a permanent life insurance policy is considered liquid assets. This option allows the policyholder to invest their premiums at a predetermined interest rate and access the funds on a regular basis via loan or withdrawal while the insured is still alive. Furthermore, the borrowed funds continue to accrue interest. This type of policy does not require any additional collateral or repayment schedule.

  • Can life insurance beneficiaries have the payout distributed throughout their life in Apple Valley?

    Beneficiaries in Apple Valley have several options for receiving their life insurance payout, including receiving payments in installments as an annuity, which provides a steady stream of income for the rest of the beneficiary's life. Furthermore, if the recipient has a long life expectancy, an annuity may be more valuable than a lump sum.

  • Is it possible to get reduced Apple Valley life insurance rates by modifying your lifestyle?

    You may qualify for lower Apple Valley life insurance rates by changing your lifestyle. For example, if your current policy was based on health risks such as hypertension, you could try to lower your blood pressure, lose weight, and change your diet. You can apply for a rate reduction reevaluation of your coverage every year, in addition to making any necessary policy changes. If your current insurer does not provide this option, it may be worthwhile to look for new coverage.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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