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Best Life Insurance Companies in Chula Vista

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2023
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Christina Frey Insurance Agency logo
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License Verified:

License: 0D60385

California Department of Insurance

Christina Frey Insurance Agency

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

Business Description

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
Financial Grade Senior Consultants logo
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License Verified:

License: 0F82097

California Department of Insurance

Financial Grade Senior Consultants

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225 Broadway, San Diego, CA 92101
  • Health Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Hartley Cylke Pacific Insurance Services Inc. logo
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License Verified:

License: 0574253

California Department of Insurance

Hartley Cylke Pacific Insurance Services Inc.

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

Business Description

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
Hugo Aguilera logo
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License Verified:

License: 0N11943

California Department of Insurance

Hugo Aguilera

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

Business Description

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.
4.5
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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MGH Insurance Services Inc. logo

License Verified:

License: 0G61101

California Department of Insurance

MGH Insurance Services Inc.

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

Business Description

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
PolyKonsult Services logo
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License Verified:

License: 0759331

California Department of Insurance

PolyKonsult Services

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

Business Description

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.
5.0
Yelp
5.0 / 5 (20)
Facebook
4.0 / 5 (17)
Sal Cerda logo
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License Verified:

License: 0H61793

California Department of Insurance

Sal Cerda

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

Business Description

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
Simple Life Insure logo

Simple Life Insure

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Snapp & Associates logo
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License Verified:

License: 0B03623

California Department of Insurance

Snapp & Associates

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

Business Description

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
Todd Financial logo
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License Verified:

License: 0E61933

California Department of Insurance

Todd Financial

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

Business Description

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
Tropical Insurance Services logo
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License Verified:

License: 0M21091

California Department of Insurance

Tropical Insurance Services

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Eastlake Parkway, Chula Vista, CA 91915
  • Life Insurance

Business Description

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
Westland Financial Services Inc logo
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License Verified:

License: 0785972

California Department of Insurance

Westland Financial Services Inc

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

Business Description

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
Zimmerman Private Wealth Management logo

License Verified:

License: 0E43740

California Department of Insurance

Zimmerman Private Wealth Management

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

Business Description

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)

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.