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2024

Last updated:

Best Life Insurance Companies in Bakersfield

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bakersfield Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

14236Reviewed

8548Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5601 Truxton Ave Ste. 150, Bakersfield, CA 93309

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Denesha Insurance Agency in Bakersfield focuses on life and health insurance for individuals and businesses. The licensed firm offers comprehensive term, permanent, whole life, and variable life insurance policies that offer monthly, quarterly, or yearly premium payments options. It also helps clients with disabilities or that are 65 and older with selecting the right Medicare plan and finding supplemental coverage to pay for expenses Medicare doesn't cover, such as extended dental, vision, hearing, and prescriptions.

2601 Union Avenue, Bakersfield, CA 93305
WebsiteLicense: 0F89814

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Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1986, Mountain Pacific Insurance Services is a full-service insurance agency serving Bakersfield and the surrounding areas. Focusing on the personal insurance needs of individuals and families, it offers a wide variety of life insurance options to provide security and ensure beneficiaries receive payment after the death of a benefactor. Short- or long-term insurance policies are available, which may be valid for one year, five years, and beyond. Permanent insurance policies such as variable, universal, and whole insurance are also available.

  • Life Insurance

8120 Rosedale Hwy Ste 100, Bakersfield, CA 93312

Expertise.com Rating

Review Sources

Google
4.9 (53)
Facebook
4.9 (22)
Yelp
5.0 (1)

Why choose this provider?

Saber Insurance Agency is a licensed independent life and health insurance agency in Bakersfield that's been serving the community since 1999. The coverage specialists offer life insurance for individuals and groups, such as annually renewable term, level term, and whole life plans. It also provides several health insurance choices, including individual and family policies with dental and vision benefits. Saber Insurance Agency works with a wide selection of top carriers, including Nationwide, Kemper, and MetLife.

5373 Truxtun Ave, Bakersfield, CA 93309

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Review Sources

Google
4.4 (31)
Yelp
4.0 (11)

Why choose this provider?

Paul Sheldon Jr., CLU, ChFC Insurance & Benefits Planning is a life insurance agency in Bakersfield. The company specializes in helping clients find the right life insurance policy that meets their needs and situation, such as 10, 20, and 30-year term coverage that offers some financial security for beneficiaries. Other services include Medicare supplemental or Medigap plans, long-term care insurance, and health insurance policies for individuals under 65 and their families.

525 H St, Bakersfield, CA 93304
WebsiteLicense: 0G38901

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Review Sources

Google
4.6 (126)
Yelp
2.8 (5)

Why choose this provider?

Charpentier Insurance Services, Inc. provides a range of products and services to individuals and families in the Bakersfield metro and the surrounding communities. It offers life insurance plans tailored to clients' budget and needs. The company also helps customers acquire other personal policies, such as auto, renters, and homeowners' insurance, to protect policyholders' properties from theft, vandalism, fire, and other accidents. Charpentier Insurance Services has been providing risk management solutions for more than four decades.

  • Individual Plans
  • Home and Auto Insurance
  • Life Insurance

1701 G St, Bakersfield, CA 93301

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Review Sources

Google
4.8 (6)
Yelp
3.5 (3)

Why choose this provider?

Fallgatter Rhodes Insurance Services is a health insurance company in Bakersfield that's been serving clients throughout the area since 1984. Its licensed agents work with small- and medium-sized businesses to create attractive benefits packages to retain employees and attract top applicants that include medical, dental, vision, and disability insurance. The agency works with several top carriers, such as Anthem, Kaiser Permanente, and Cover California. Other products include workers' compensation, general liability, and employment practices liability insurance.

4900 California Ave Tower B, Fl 2, Bakersfield, CA 93309

Why choose this provider?

McCumber Insurance Services is a life insurance company in Bakersfield that serves individuals and small businesses throughout the area. Founded in 1973, the licensed agent helps clients choose a life insurance policy that meets their situation and needs. The agency also specializes in developing employee benefits programs for companies that include health, vision, dental, and supplemental options, such as life, accident, and disability insurance. Owner Roger K. McCumber is a member of the National Association of Health Underwriters.

1400 Easton Drive #132, Bakersfield, CA 93309

Expertise.com Rating

Review Sources

Google
4.3 (9)

Why choose this provider?

MCA Insurance Services is a licensed insurance agency that's been serving communities throughout Bakersfield for over 20 years with a second location in San Fernando Valley. The firm helps individuals choose a life insurance policy that meets their current situation and future needs, such as term and permanent coverage. MCA Insurance Services is a certified Mercury Insurance Company that works with several other top carriers, including Progressive, Foremost Insurance Company, and Safeco Insurance.

5251 Office Park Dr, Ste 100, Bakersfield, CA 93309
WebsiteLicense: 0K82976

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Review Sources

Google
4.9 (49)
Yelp
5.0 (6)

Why choose this provider?

Keith Goree is a State Farm insurance professional who provides risk management solutions in the Bakersfield metro. He caters to individuals and families who want to acquire life insurance policies. He offers personalized universal, term, and whole life coverages. The insurance agent also deals with other personal and business plans, such as health, home, BOP, liability umbrella, and workers' compensation insurance. Goree and his team have been delivering insurance products and services for 13 years.

  • Life Insurance

8200 Stockdale Hwy., Suite M10, Bakersfield, CA 93311
WebsiteLicense: 0739786

Expertise.com Rating

Why choose this provider?

Bakersfield Insurance Agency provides life insurance services to individuals in the metro. It covers term insurance, and whole life or permanent insurance. Clients may access its life insurance calculator to help them choose a policy that suits their needs. The company also offers car, health, and homeowners' insurance to individuals, and restaurant, HOA, and commercial property insurance to businesses. Its owner, Lee Mayers, has been an insurance broker since 1989, offering comprehensive coverages and premiums.

  • Life Insurance

1701 Westwind Dr Ste 107, Bakersfield, CA 93301

Why choose this provider?

Anderson Bear & Associates LLC is a life insurance company in Bakersfield with an additional location in Fresno. Its agents work with individuals to help them choose a comprehensive life insurance policy that offers financial solutions for families in the event of their death. The agency provides term, grade whole, traditional whole, and universal life insurance policies. Anderson Bear & Associates also offers Medicare Supplemental Plan assistance and long-term care insurance policies.

2695 Mount Vernon Avenue, Bakersfield, CA 93306
WebsiteLicense: 0D73460

Expertise.com Rating

Review Sources

Google
4.0 (34)
Facebook
5.0 (6)

Why choose this provider?

California Total Insurance Services is an independent insurance broker with three offices, including two in Bakersfield. The agency offers a range of life insurance packages such as life term Insurance, whole life Insurance, and universal life Insurance. Its agents also offer other insurance packages such as property insurance for homes and businesses, and car insurance. The agency also provides commercial auto and ride-share insurance and offers additional services such as auto registration, transfers, and renewals.

  • Life Insurance
  • Whole Life Insurance

Bakersfield, CA 93312

Expertise.com Rating

Why choose this provider?

Founded in 2007, Tony Padilla Insurance is an independent insurance agency in Bakersfield that focuses on Medicare, Medicare Advantage, and Medicare Supplemental plans. Its coverage specialists help clients 65 and older understand their health insurance options, including how to cover the costs not paid for by Medicare through supplemental plans for dental, vision, certain prescriptions, and medical expenses while traveling. Tony Padilla Insurance also offers term, whole, and universal life insurance coverage.

324 Oak St Suite Q, Bakersfield, CA 93304
WebsiteLicense: 0D28316

Expertise.com Rating

Review Sources

Facebook
4.8 (14)
Google
4.6 (7)

Why choose this provider?

Tony Camarena Insurance Agency serves individuals and businesses in the Bakersfield metro. The locally owned and independent insurance agency has been in the industry for over 15 years, helping clients and their families get financially prepared for their future through life insurance plans. It also offers auto, home, health, and commercial insurance plans. Tony Camarena Insurance Agency aims to help clients understand the different types of insurance policies and find the right coverages that match their means.

  • Life Insurance
  • Health Insurance

Attorney Information

Attorney NameBar StatusExperience
Tony Camarena - OwnerActive19 yrs

2665 Calloway Drive, Suite 206, Bakersfield, CA 93312
WebsiteLicense: 0H36786

Expertise.com Rating

Review Sources

Google
4.6 (30)
Facebook
5.0 (10)
Yelp
4.5 (8)

Why choose this provider?

Kelli Davis is an insurance agent who serves Bakersfield and the surrounding communities. She deals with individuals and families who want to obtain life insurance products, which include universal, term, and whole coverages. She also assists policyholders who want to change their life insurance policies and beneficiaries. The State Farm insurance professional also offers health, vehicle, and home insurance. Davis opened her agency in 2012 to provide the insurance needs of the residents in the metro. She also works as a Rotarian at Bakersfield West Rotary.

  • Life Insurance
  • Health Insurance

1414 Valhalla Dr, Bakersfield, CA 93309
WebsiteLicense: 0L90462

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (1)

Why choose this provider?

Bright Lotus Insurance Agency serves clients in Bakersfield. It offers life insurance plans that provide financial security to beneficiaries in the event of an unexpected death. The agency also provides insurance products that cover homes, businesses, automobiles, and natural disasters, including fires and floods. Bright Lotus Insurance Agency is committed to establishing professional relationships with individuals and businesses and providing insurance needs assessment based on their conditions and budgets. Some clients have commended the agency for its responsiveness.

  • Life Insurance

5901 Sundale Avenue, Bakersfield, CA 93309
WebsiteLicense: 0G98503

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (3)

Why choose this provider?

Steve Van Metre, CFP, is a life insurance agent who serves clients from Bakersfield and nearby areas. He is part of Atlas Financial Advisors, Inc., an investment advisory firm. Van Metre provides universal, term, and whole life insurance policies. As a financial planner, he also specializes in formulating income strategies for retirees, rebalancing portfolios, and managing the assets of clients. He has been providing his services to the community for more than 15 years.

  • Whole Life Insurance
  • Life Insurance

3612 Coffee Rd Ste B, Bakersfield, CA 93308

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Facebook
5.0 (1)

Why choose this provider?

Insurance Savings Group in Bakersfield works with self-employed individuals and small businesses to secure quality health and life insurance for themselves and employees. It offers group benefits that combine health, dental, vision, life, disability, and supplemental accident insurance, and stand-alone medical coverage, such as HMOs, PPOs, POS, and HDHP plans. The group works with a wide range of providers, including Aetna, Aflac, Delta Dental, Eye Med, and American General Life Companies.

FAQs

  • How do you apply for life insurance in Bakersfield?

    To start your life insurance application in Bakersfield, you must complete a life insurance application. The insurance underwriters will assess your eligibility by scrutinizing your medical history and determining your risk profile. Moreover, the insurer will determine your insurance premium based on the coverage amount you request, your age, gender, and your assigned risk category. It's important to note that the specific requirements and procedures may vary among different insurance providers.

  • What is whole insurance in Bakersfield?

    Whole life insurance in Bakersfield provides lifelong coverage and guaranteed cash value growth, making it suitable for those who want lifelong protection, the option to borrow against the cash value, and the desire to leave an inheritance for their heirs. While premiums are typically higher than term life insurance, the benefits include lifelong policy coverage, guaranteed cash value growth that's tax-deferred, access to cash value through loans or tax-free withdrawals, and a death benefit for beneficiaries.

  • What do you need to know before getting life insurance in Bakersfield?

    Before getting your life insurance in Bakersfield, it's worth noting that the premiums are dependent on various factors, including your age, medical history, and the coverage amount you seek. Next, depending on the policy, a medical examination might be a requirement. It's vital to evaluate your financial situation and requirements to determine the most appropriate type of life insurance, whether term life, whole life, or universal life insurance.

  • What types of life insurance are in Bakersfield?

    In Bakersfield, you can choose to get term life insurance, which offers coverage for a specified period. Next, whole life insurance provides lifelong coverage with a cash value component. Furthermore, universal life insurance offers a flexible policy that adjusts premiums and benefits while variable universal combines life insurance with investment choices.

  • Why is life insurance important in Bakersfield?

    Life insurance is a vital financial safety net in Bakersfield. It helps replace lost income and covers end-of-life expenses like funerals, sparing families from hefty costs during challenging times. It also enables individuals to leave financial legacies for loved ones or support charitable causes. Furthermore, permanent life insurance offers tax-free cash value growth, aiding investment diversification. Lastly, it plays a crucial role in managing estate taxes when substantial assets are inherited.

  • 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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