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2024

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Best Life Insurance Companies in Chino, CA

Our Recommended Top 7

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 Chino 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.

3797Reviewed

2281Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

649 East Foothill Boulevard, Upland, CA 91786
WebsiteLicense: 0H44804

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

InsurTech Insurance Solutions is an independent insurance agency that serves the residents of Chino and the rest of California. It offers life insurance as well as general liability insurance. Some of the personal insurance products it offers are homeowners' insurance, renters' insurance, condominium insurance, and auto insurance. It works with various providers, including Ethos Life Insurance, Mercury General, CoverWallet, and Next Insurance. InsurTech Insurance Solutions is a Trusted Choice agency. It also serves Missouri, Arizona, and Texas.

  • Life Insurance

13505 Yorba Avenue, Chino, CA 91710
WebsiteLicense: 0M26356

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Lolo Insurance is an agency servicing the Chino community. It offers universal life insurance coverage with chronic illness riders, along with disability and accident plans, to help clients prepare for their futures. The agency provides personalized assessments to consider a wide range of circumstances that affect a person's health such as operating heavy equipment and breathing polluted air on the docks. Its insurance agent, Cheryl Lowe, has been helping people protect their lifestyle and assets since 2018.

  • Life Insurance

13415 5th Street, Chino, CA 91710
WebsiteLicense: 0551523

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (4)

Why choose this provider?

Located in Chino, CAP Insurance offers life insurance policies to those who are looking for individual, family, and group insurance. It provides clients various coverage options based on their specific needs and personal goals, helping them choose from term life, whole life, and universal life insurance. The other insurance solutions that the company offers include Medicare insurance, dental and vision insurance, and small business health insurance. Additionally, CAP Insurance also carries workers' compensation insurance.

  • Life Insurance
  • Health Insurance
  • Group Plans

3811 Schaefer Avenue, Chino, CA 91710
WebsiteLicense: 0777326

Expertise.com Rating

Review Sources

Google
4.7 (14)

Why choose this provider?

Good and Associates Insurance Services is an agency that caters to individuals, families, and small businesses in Chino and the surrounding communities. It handles term, whole, universal, and variable life insurance plans through its partner carriers, including Cincinnati Life, Transamerica Life, and American General Life. It also offers individual and group health insurance policies and Medicare Advantage, Medicare Supplement, and dental insurance programs. The agency's owner, John Good, has been in the insurance business for 32 years.

  • Life Insurance
  • Health Insurance

12447 Central Avenue, Chino, CA 91710

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

The Life Insurance Pro is an independent company that serves clients in the Chino area. It provides different types of life insurance policies, including term life and whole life plans. The former offers protection within a specific time frame, while the latter provides coverage for a lifetime and eventually builds cash value. The life insurance brokerage reviews policies from a number of providers in order to find suitable coverages for clients, and these carriers include MetLife, Foresters, Prudential, and American National.

  • Life Insurance

119 North Maple Street, Corona, CA 92880
WebsiteLicense: 0D95552

Expertise.com Rating

Review Sources

Google
4.5 (16)

Why choose this provider?

Promax Insurance Agency, Inc., is an independent and family-owned insurance agency that serves clients in Chino. It offers life insurance policies based on clients' health history, age, and nicotine use. It also specializes in providing other insurance products that include car insurance, home insurance, and health insurance. Promax Insurance has been endorsed by several financial experts, including Chris Hogan, Rachel Cruze, and author and radio talk show host Dave Ramsey. The agency has more than 45 years of experience in the insurance industry.

  • Life Insurance

14712 Pipeline Avenue, Chino Hills, CA 91709
WebsiteLicense: 0E40874

Expertise.com Rating

Review Sources

Google
5.0 (76)
Yelp
5.0 (40)
Facebook
5.0 (8)

Why choose this provider?

Kristi Kim is a full-service insurance agent with State Farm who serves individuals, families, and businesses in Chino. Since joining the company in 1988, she has helped clients with purchasing insurance products that fit their needs. One of her specializations is life insurance, where she educates clients regarding life insurance policies that take care of their family's needs after death, such as debt repayment, funeral expenses, and daily living costs. Other products and services include auto insurance, condo and home insurance, and property insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
InsurTech Insurance Solutions
649 East Foothill Boulevard, Upland, CA 91786
Lolo Insurance
13505 Yorba Avenue, Chino, CA 91710
CAP Insurance
13415 5th Street, Chino, CA 91710
Good and Associates Insurance Services
3811 Schaefer Avenue, Chino, CA 91710
The Life Insurance Pro
12447 Central Avenue, Chino, CA 91710
Promax Insurance Agency
119 North Maple Street, Corona, CA 92880
Kristi Kim
14712 Pipeline Avenue, Chino Hills, CA 91709

FAQs

  • What differentiates term life from permanent life insurance in Chino?

    In Chino, term life insurance spans a designated period, potentially up to thirty years, while permanent life insurance continues for a lifetime as long as premiums are paid on time. Both types of policies include a death benefit, but term life insurance pays out to beneficiaries only if the policyholder passes away within the specified time. Additionally, permanent life insurance offers a cash value component aside from the death benefit.

  • Are there disadvantages to purchasing term life insurance in Chino?

    Yes. Purchasing term life insurance in Chino has disadvantages, which include the following:

    • Coverage ends with the term.
    • If you encounter significant health problems while holding a term life policy, securing life insurance after its term conclusion might be challenging.
    • The death benefit is only available to your family if you pass away during the specified term.
  • In Chino, what's the difference between fully underwritten life insurance and simplified life insurance?

    A fully underwritten life insurance policy in Chino involves lab tests, a medical examination, and a complete medical history submission, ensuring the insurance company has comprehensive information about your health. Monthly expenses are frequently reduced as a result. On the other hand, simplified life insurance bypasses these tests but usually entails higher premiums. This is because the insurance company is taking on increased risk by insuring you.

  • What is the connection between life insurance and car accidents in Chino?

    In the event of a devastating car accident in Chino, both permanent and term life insurance policies typically provide a death benefit to your dependents. This financial assistance can offer them a sense of financial stability during a difficult period, assisting in covering funeral expenses, outstanding debts, and ongoing living costs.

  • How do premiums and investment returns in Chino influence the cash value element of a life insurance policy?

    The cash value of your life insurance policy in Chino is partly funded by the premiums you pay. Your premium payment history plays a role in the growth of the cash value. Additionally, you often have the option to invest a portion of the policy proceeds in assets like stocks. The cash value is directly impacted by the performance of these investments, either positively or negatively.

  • 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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