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Best Life Insurance Companies in Chico

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2023
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Amator Horn Insurance Agency logo
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License Verified:

License: 0E50968

California Department of Insurance

Amator Horn Insurance Agency

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9341 Midway, Durham, CA 95938
  • Life Insurance
  • Health Insurance

Business Description

Amator Horn Insurance Agency is a local, family-owned and independent insurance company serving clients in the Chico area. It facilitates insurance coverage for agri-business, commercial liability and auto, health and life, and personal insurance by working with various insurance companies. Its partnership with United Valley Insurance Agency, listed in the top 100 insurance agencies in the country, gives Amator working access with among the leading 60 coverage providers across the U.S. Its network with providers offers clients a variety of coverage options and insurance products.

License Verified:

License: 0E50968

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
Facebook
5.0 / 5 (7)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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American Income Life: AO logo

American Income Life: AO

55 Independence Circle, Chico, CA 95973
  • Life Insurance

Business Description

American Income Life: AO is an insurance company that provides its services to its clients in Chico and other territories in North America. It helps its customers acquire insurance policies to secure their life and health. In addition, it is the principal subsidiary of Global Life, which provides insurance solutions to credit and labor unions. AO's origins began in 1982 and it currently has more than 1,500 affiliates. Moreover, its mother company, Globe Life, handles 4.3 million policyholders and $86 billion 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.
4.7
Google
4.0 / 5 (26)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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American Steel Bridge LLC logo

American Steel Bridge LLC

2611 Forest Avenue, Chico, CA 95928
  • Life Insurance
  • Long Term Care

Business Description

American Steel Bridge LLC provides insurance and retirement solutions to clients in Chico. The company provides a choice of insurance plans with coverage for funeral expenses, mortgage protection, income replacements, and legacy gifts. Other plans include long-term care, Medicare Supplements, dental and vision, and annuities. The company is partnered with numerous insurance carriers, like Aetna and Humana, in providing these choices of coverage. Jeff Dean, the company's CEO, started as a field agent in the insurance industry in March 2006.

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 (6)

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
Avrit Insurance Agency, Inc. logo
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License Verified:

License: 0F06687

California Department of Insurance

Avrit Insurance Agency, Inc.

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2735 Esplanade, Chico, CA 95973
  • Life Insurance
  • Health Insurance

Business Description

Chico-based Avrit Insurance Agency, Inc., caters to the insurance needs of the local community and the surrounding cities. Since 1984, the local and independent firm has been helping clients secure life insurance plans, including term life, whole life, and universal life insurance. Its team also furnishes policies that cover farms, ranches, vehicles, businesses, and healthcare expenses. Avrit Insurance Agency compares quotes and coverage types from several carriers such as Safeco, Travelers, Progressive, Foremost Insurance, and The Hartford.

License Verified:

License: 0F06687

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 (4)

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
Buttes Insurance Agency logo
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License Verified:

License: 0530743

California Department of Insurance

Buttes Insurance Agency

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260 Cohasset Road, Chico, CA 95926
  • Life Insurance

Business Description

Buttes Insurance Agency has been providing insurance options to clients in the Chico area since 1948. It specializes in agribusiness and farm insurance products. It offers a wide variety of life insurance options, including individual life insurance, long-term care, disability insurance, and group life insurance, as well as mortgage protection and second-to-die policies. Additionally, the agency can assist with insurance coverage for home and auto, health, and recreational vehicles. Commercial, employee-related, and specific industry insurance products are also available.

License Verified:

License: 0530743

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
Facebook
5.0 / 5 (2)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Chico Creek Insurance Services, LLC logo

License Verified:

License: 0E41451

California Department of Insurance

Chico Creek Insurance Services, LLC

500 Cohasset Road, Chico, CA 95926
  • Life Insurance

Business Description

Chico Creek Insurance Services, LLC, is an independent insurance agency that provides clients in Chico and the surrounding areas with a team of specialists to address their insurance concerns. One of the products it offers is life insurance, which comes in different types such as universal life, traditional whole life, and variable universal life. Julio Ramirez is the president and owner of Chico Creek Insurance Services. Julio is bilingual and has been in the insurance industry for more than 13 years.

License Verified:

License: 0E41451

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.
4.6
Facebook
5.0 / 5 (32)
Google
4.0 / 5 (28)
Yelp
5.0 / 5 (4)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Chris Grettum logo
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License Verified:

License: 0H38858

California Department of Insurance

Chris Grettum

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1277 East Avenue, Chico, CA 95926
  • Life Insurance

Business Description

Chris Grettum is a State Farm insurance professional based in Chico. One of the products he offers is life insurance, which includes whole life, universal life, or term life policy options. He assists clients throughout the process, from furnishing plans and adjusting policy terms to filing insurance claims. The second-generation State Farm professional, who opened his agency in 2014, realized the importance of insurance after he and his family lost their possessions due to a wildfire in 2007.

License Verified:

License: 0H38858

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
Google
5.0 / 5 (48)
Yelp
4.0 / 5 (4)

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
Dayton Sayer Insurance Agency logo
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License Verified:

License: 0649607

California Department of Insurance

Dayton Sayer Insurance Agency

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1166 Esplanade, Chico, CA 95926
  • Life Insurance
  • Health Insurance
  • Group Plans

Business Description

Dayton Sayer Insurance Agency has been providing insurance solutions to individuals, families, and businesses in Chico and the surrounding communities since 1960. It offers life insurance policies, as well as medical, dental, and vision insurance. It also helps clients aged 65 and above, including individuals with qualifying disabilities, to obtain Medicare Supplement plans. In addition, PPO and EPO health insurance options are available. David Sayer, the agency's president, has been in the insurance industry for more than three decades.

License Verified:

License: 0649607

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 (3)

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
Erynn Doherty logo
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License Verified:

License: 4005203

California Department of Insurance

Erynn Doherty

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995 Nord Avenue, Chico, CA 95926
  • Life Insurance
  • Health Insurance

Business Description

Erynn Doherty works as an insurance agent under State Farm and serves clients from her office in Chico. She carries life insurance programs that cover annuities and variable deferred annuities. Her other products include auto, home, property, health, business, and pet insurance. Doherty's team guides clients in understanding their insurance options and empowers them to make informed financial decisions. Doherty expands her services to clients in Butte County and the surrounding areas.

License Verified:

License: 4005203

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 (7)

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
Firm Foundations Insurance & Benefits Center logo
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License Verified:

License: 0D94527

California Department of Insurance

Firm Foundations Insurance & Benefits Center

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1530 Humboldt Road, Chico, CA 95928
  • Life Insurance
  • Health Insurance

Business Description

Headquartered in Chico, Firm Foundations Insurance & Benefits Center is an independent insurance agency that provides insurance services to residents and businesses in the Chico area and the surrounding communities. It carries insurance plans like life insurance, health, dental, vision, and Medicare plans. Additionally, it offers group insurance benefits for business owners. Dale E. Penne Firm established Foundations Insurance & Benefits Center. He has had 25 years of experience serving the community through other businesses before establishing the company.

License Verified:

License: 0D94527

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.
4.8
Google
5.0 / 5 (17)
Yelp
5.0 / 5 (4)

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
Golden Apple Insurance & Financial Services Inc. logo

License Verified:

License: 0L50933

California Department of Insurance

Golden Apple Insurance & Financial Services Inc.

2056 Talbert Drive, Chico, CA 95928
  • Life Insurance

Business Description

Golden Apple Insurance & Financial Services Inc. is a Chico-based independent agency specializing in insurance options. It is a local company with a strong affinity for the community and helps teachers pay for supplies by hosting workshops. Golden Apple specializes in insurance options for educators and their families. The company's agents provide clients with life insurance and educate them on policies. It also provides auto, renters, and homeowners insurance. Aside from Chico, the company has another office in Red Bluff.

License Verified:

License: 0L50933

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.
4.2
Facebook
4.0 / 5 (6)
Google
3.0 / 5 (4)
Yelp
1.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jeff Fowler Insurance Services logo
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License Verified:

License: 0L07979

California Department of Insurance

Jeff Fowler Insurance Services

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426 Broadway Street, Chico, CA 95928
  • Life Insurance
  • Individual Plans
  • Group Plans

Business Description

Jeff Fowler Insurance Services in Chico assist clients in acquiring insurance policies and filing insurance claims. It offers individual and group life, long-term care, disability, mortgage protection, and key person insurance. The company strives to maintain consistent communication with clients to address their concerns and educate them about the insurance process. Jeff Fowler Insurance Services partners with several carriers such as The Hartford and Pacific Life so that its staff can find coverage plans that match the client's needs.

License Verified:

License: 0L07979

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 (51)
Yelp
5.0 / 5 (8)
Facebook
5.0 / 5 (2)

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
Leftout Capital Insurance Services logo
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License Verified:

License: 0M30927

California Department of Insurance

Leftout Capital Insurance Services

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3221 Cohasset Road, Chico, CA 95973
  • Life Insurance

Business Description

Leftout Capital Insurance Services is a locally owned and operated agency that caters to individuals, families, and businesses in Chico and the surrounding areas. It has partnered with several insurance providers, such as American General Life, Lincoln National Life, Prudential Financial, and Pacific Life, to offer life insurance policies. Its team of professionals also carries disability, long-term care, and supplemental insurance options. For businesses, the agency customizes employee benefit, overhead expense, and IRS Section 125 insurance plans.

License Verified:

License: 0M30927

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.
4.6
Google
5.0 / 5 (6)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Nugent Insurance Brokers, LLC logo
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License Verified:

License: 0G44957

California Department of Insurance

Nugent Insurance Brokers, LLC

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1268 Calla Lane, Chico, CA 95926
  • Life Insurance

Business Description

Nugent Insurance Brokers, LLC is a life insurance company that serves clients from Chico and its surrounding areas. The firm provides a wide range of life insurance options, such as term, whole, and universal. It also offers insurance policies for renters, vehicles, commercial properties, and workers' compensation. This third-generation business has been providing insurance solutions to the community for 30 years now. It was founded by Tom Sr., who believes in the value of small businesses.

License Verified:

License: 0G44957

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.
4.2
Google
4.0 / 5 (4)

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
SavePro Insurance logo
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License Verified:

License: 0E35719

California Department of Insurance

SavePro Insurance

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175 Cohasset Road, Chico, CA 95926
  • Life Insurance

Business Description

SavePro Insurance Solutions is a locally owned and operated insurance agency that has been serving individuals in Chico since 2008. The agency specializes in different types of life insurance, including term, whole life, universal life, and survivorship life insurance. It also provides coverage for automobile, home, and commercial insurance. SavePro Insurance Solutions was founded by Ragveer Bains and Paul Woodward. Since 2012, the agency has been rebranded from Bains & Woodward Insurance Services.

License Verified:

License: 0E35719

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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Sweeney & Sweeney logo

License Verified:

License: 0614055

California Department of Insurance

Sweeney & Sweeney

102 Raley Boulevard, Chico, CA 95928
  • Life Insurance
  • Health Insurance

Business Description

Sweeney & Sweeney is an independent insurance agency serving clients in Chico and the surrounding areas. The firm provides the insurance coverage needs of individuals, families, and businesses. The company offers various life insurance policies, including term, permanent, group, and term combined with whole life insurance. It also deals with health insurance, employee benefits, and senior services. Sweeney & Sweeney shops across multiple insurance companies to help clients find and customize insurance plans that fit their needs and budget.

License Verified:

License: 0614055

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.
4.4
Google
5.0 / 5 (5)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Withrow Insurance Services logo
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License Verified:

License: 6001567

California Department of Insurance

Withrow Insurance Services

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976 Mangrove Avenue, Chico, CA 95926
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Withrow Insurance Services is a family-owned brokerage that has been serving residents and businesses in Chico since 2012. It offers a range of risk management solutions, including individual and group life insurance, as well as health coverage, Medicare, and retirement plans. Its founder, Heath Withrow, specializes in health insurance policies and Medicare Supplement. He was also included in the top 25 agents nationwide by Aetna. In addition, the staff at the brokerage has more than 20 years of combined experience in the industry.

License Verified:

License: 6001567

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 (2)

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

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.