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Best Life Insurance Companies in Chula Vista

2024

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Website
Eastlake Parkway, Chula Vista, CA 91915
  • Life Insurance

Why choose this provider?

Tropical Insurance Services is an insurance service provider that serves clients throughout Chula Vista and the surrounding areas. It specializes in providing individual and commercial insurance solutions, representing multiple carriers. Among the insurance plans that it offers are life and health insurance policies. Its team of insurance agents offers an extensive range of life insurance plans from over 30 insurance companies. In addition to these, Tropical Insurance Services provide homeowners insurance and auto insurance policies.

License Verified:

License: 0M21091

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)
Facebook
5.0 / 5 (1)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7676 Hazard Center Drive, San Diego, CA 92108
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 2000, Todd Financial & Insurance Services, Inc., is a full-service agency that offers a wide range of insurance options in Chula Vista and its neighboring areas. It has various life insurance plans, including whole, term, universal, and final expense. The company also deals with different employee benefits, health, auto, and home insurance needs. Todd Financial and Insurance Services was founded by Darren Blaine Todd, a certified financial planner with more than 20 years of experience in the industry.

License Verified:

License: 0E61933

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
Yelp
4.0 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
629 3rd Avenue, Chula Vista, CA 91910
  • Life Insurance
  • Health Insurance

Why choose this provider?

Hugo Aguilera is a State Farm insurance agent that provides insurance services to local individuals and businesses of Chula Vista and the surrounding communities. He provides insurance services like universal life insurance, term life insurance, whole life insurance, motorcycle insurance, renters insurance, and homeowners insurance. Additionally, he provides additional insurance services like business owner's policy, surety and fidelity bonds, workers' compensation, contractors' policy, commercial auto insurance, and liability umbrella. Hugo, a Chula Vista resident, also speaks Spanish.

License Verified:

License: 0N11943

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.
2.5
Yelp
2.0 / 5 (6)
Google
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
P.O. Box 9825, San Diego, CA 92169
  • Life Insurance
  • Health Insurance

Why choose this provider?

PolyKonsult Services is an independent insurance agency that provides a wide range of services to clients in Chula Vista. It specializes in policies, such as auto, renters, home, life, health, and earthquake insurance. It works with multiple insurance companies so that clients have a broad selection of coverages that fits their needs and budget. The agency was founded in 1987, and it has been representing established insurance carriers since then. It aids clients in meeting life insurance professionals to help them choose the right option.

License Verified:

License: 0759331

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
Yelp
5.0 / 5 (20)
Facebook
4.0 / 5 (17)

Website
3066 Columbia Street, San Diego, CA 92103
  • Medicare
  • Long Term Care
  • Life Insurance

Why choose this provider?

Serving Chula Vista, Christina Frey Insurance Agency provides a variety of insurance and financial solutions to clients in the metro. It offers life insurance policies such as term life insurance, universal life insurance, and whole life insurance. The company also has other insurance products like long-term care insurance, health insurance, and disability insurance. Other services include different types of annuities like flexible-premium deferred annuities, immediate annuities, and equity-indexed annuities. Christina Frey Insurance Agency has a strong focus on delivering attentive services to its clientele. Christina has been in business for 22 years and also a member of NAIC, NAIFA and CLTC Designation

License Verified:

License: 0D60385

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 (8)
Facebook
5.0 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
13520 Evening Creek Drive North Suite 360, San Diego, CA 92128
  • Life Insurance

Why choose this provider?

Westland Financial Services Inc. addresses the life insurance needs of clients in Chula Vista. The company offers both term and universal life insurance coverage, striving to stay updated on the industry trends and strategies. It also provides insurance options for long-term care, disability, and Medicare Supplement. Its founder and president, Gene A. Pastula, is a certified financial planner who has been in the insurance field for nearly four decades. Moreover, Westland Financial Services works with various carriers, including Aviva, EquiTrust, and Lincoln Financial.

License Verified:

License: 0785972

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)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
438 Camino del Rio South, San Diego, CA 92108
  • Life Insurance
  • Health Insurance

Why choose this provider?

Snapp & Associates is an independent firm delivering insurance coverages to customers in Chula Vista. It offers employee benefits, including life insurance, health insurance, disability insurance, dental insurance, vision insurance, and long-term care insurance. The company also provides personal insurance solutions for homeowners, high-value estate, personal automobiles, recreational vehicles, fine art, and jewelry. Its other services are commercial insurance plans for property, liability, commercial auto, and workers’ compensation. Snapp & Associates was founded in 1947.

License Verified:

License: 0B03623

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 (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

Website
1625 Sweetwater Road, National City, CA 91950
  • Life Insurance
  • Health Insurance

Why choose this provider?

Sal Cerda is a risk management specialist that serves the Chula Vista area. The State Farm agent offers a number of products, including term life insurance which provides death benefits and coverage for a certain period of time. He can also furnish group life insurance policies for companies who want to insure key employees. Cerda has been affiliated with State Farm since 2012 and started his own agency seven years later. He actively serves the community through volunteering.

License Verified:

License: 0H61793

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 (29)
Facebook
5.0 / 5 (5)
Yelp
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

Website
225 Broadway, San Diego, CA 92101
  • Health Insurance

Why choose this provider?

Financial Grade Senior Consultants is an independent insurance firm serving clients in the Chula Vista area. It offers term and universal life insurance options, as well as health insurance plans. The firm has options for final expense, Medicare Supplement, MAPD, and PDP. It utilizes policies from different carriers, including Humana and SilverScript. Financial Grade Senior Consultants sponsors the National Association of Health Underwriters. It is a member of the Association of Health and Disability Insurance Professionals.

License Verified:

License: 0F82097

California Department of Insurance

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
3111 Camino Del Rio North, San Diego, CA 92108
  • Life Insurance

Why choose this provider?

Zimmerman Private Wealth Management serves clients in San Diego and surrounding California areas, including Chula Vista. It offers life and long-term care insurance, disability income insurance, college, retirement, and estate plans. The company also assists clients in bonds, common stocks, treasury notes, and variable annuities. Owner Brian Zimmerman is a financial advisor who has been in the financial services industry since 1993. He has also been recognized as the Best of La Jolla by the readers of La Jolla Light for five consecutive years.

License Verified:

License: 0E43740

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 (1)

Website
2747 University Avenue, San Diego, CA 92104
  • Life Insurance

Why choose this provider?

Hartley Cylke Pacific Insurance Services Inc. has been serving the residents of Chula Vista and the surrounding areas for more than 100 years. It provides permanent life insurance and term life insurance plans. Its life insurance policies help pay off clients' loss of income, debts, and funeral-related costs. Additionally, it also offers health insurance, auto insurance, business insurance, and commercial insurance. Hartley Cylke Pacific Insurance Services also offers to clients the choice to make changes to existing insurance policies.

License Verified:

License: 0574253

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
Yelp
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

Website
615 National City Boulevard, National City, CA 91950
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 1989, MGH Insurance Services Inc. is a family-owned life insurance company serving clients in Chula Vista and the surrounding areas. It offers a wide range of products, including life, health, auto, and motorcycle insurance. The company also offers commercial products, such as general liability, bonds, commercial auto, and workers' compensation. The professionals in the company help clients in choosing the insurance that fits their needs. Moreover, its agents cater to both English and Spanish-speaking clients.

License Verified:

License: 0G61101

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.
4.0
Google
4.0 / 5 (34)

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
5666 La Jolla Boulevard, La Jolla, CA 92037
  • Life Insurance

Why choose this provider?

Simple Life Insurance is composed of independent life insurance specialists specializing only in life insurance. It serves clients in Chula Vista, the San Diego area, and nationwide. While the company mostly helps with straight term life insurance, it assists clients with more permanent options such as guaranteed universal life insurance. Simple Life Insurance offers instant term life quote with no personal information required. It is partnered with over 60 life insurance providers such as MetLife and AIG. Ty Stewart is the company's founder and president.

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 (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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • When do you need to use your Chula Vista accelerated life insurance benefits?

    In Chula Vista, you should use your accelerated life insurance benefits if you:

    • Are relocating permanently to a nursing facility.
    • Require long-term in-home care.
    • Are dealing with a terminal illness.
    • Have a medical condition that will progress to a life-threatening situation if left untreated.
    • Suffer from a wound that necessitates extreme care, like an organ transplant or ongoing life support.
  • Can you still acquire life insurance in Chula Vista even if you are overweight?

    Yes, you may still buy life insurance in Chula Vista even if you are overweight. Being overweight will not automatically prevent you from acquiring life insurance, but it could influence your premiums and the type of coverage you qualify for. Keep in mind that one of the criteria life insurers use to assess your risk and eligibility is weight.

  • What is involved in a Chula Vista life insurance medical exam?

    A certified paramedical expert will do a fundamental examination during your life insurance exam in Chula Vista. It will involve asking you questions about your medical status and obtaining your blood, urine, and EKG readings, as well as measuring your height, weight, and blood pressure. These examinations reveal serious health issues that could have an impact on your well-being, longevity, and insurance eligibility.

  • If you have debt, should you think about switching your term life insurance policy in Chula Vista to whole life insurance?

    Yes. Remember that if you pass away suddenly, it may be difficult for your family to fulfill your debt responsibilities. Changing your term life insurance policy in Chula Vista to whole life insurance would allow your loved ones to use the death benefit to settle your debt after your passing.

  • Can you name a funeral home as one of your life insurance beneficiaries in Chula Vista?

    No. You are not permitted to name a funeral home as a beneficiary of your life insurance policy in Chula Vista. If you intended your life insurance provider to pay your funeral home a specific sum after your passing, you should fill out the funeral home assignment papers provided by your insurer.

  • 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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