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Best Life Insurance Companies in Citrus Heights

2024

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Providers

Last updated:

Website
2745 Crosby Way, Sacramento, CA 95815
  • Life Insurance
  • Health Insurance

Why choose this provider?

Jack Novicio Insurance is an insurance agency that serves clients in Citrus Heights. It offers various types of life insurance policies whose death benefits can be used to repay debts and pay for children's tuition, funeral expenses, and estate taxes. To provide a wide range of insurance options, it has formed partnerships with several insurance carriers, including CNA Surety, AIG, and Liberty Mutual. Jack Novicio Insurance owner and CEO Ceil Jack has more than 20 years of experience in the insurance industry.

License Verified:

License: 0G32201

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 (31)
Facebook
3.0 / 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
11241 Coloma Road, Gold River, CA 95670
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Tim Coughlin is the founder of Summit Independent Insurance Services, which serves the Citrus Heights area. With more than 35 years of experience, he provides term and whole life insurance to individuals and groups. Coughlin also specializes in health insurance brokerage and senior health plans. His team assists clients in comparing tailored solutions depending on their needs and preferences. Moreover, his agency handles Medicare Supplement and Advantage plans. Its website also contains a variety of information for clients who are new to Medicare.

License Verified:

License: 0669552

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2701 Cottage Way, Sacramento, CA 95825
  • Life Insurance

Why choose this provider?

Founded in 1966, CNK Insurance Service assists individuals seeking life insurance plans. The service provider has a live agent on standby to address the insurance concerns of Citrus Heights families. Its licensed agents offer term, whole, and universal life programs. They can also adjust existing policies to adapt to policyholders' life changes such as divorce, marriage, growing family, new home, and retirement. CNK Insurance Service is committed to protecting the financial future of its clients.

License Verified:

License: 0402039

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3840 Rosin Court, Sacramento, CA 95834
  • Life Insurance
  • Health Insurance

Why choose this provider?

McGee & Thielen Insurance Brokers, Inc., is a life insurance agency serving clients from Citrus Heights. The firm provides a wide range of life insurance policies including term, whole, and universal policies. Insurance packages for business owners, homes, vehicles, and earthquakes are also available. Some of its insurance carriers include The Hartford and Safeco. Owned by John Bradford, Craig Wubben, and John Wood, the firm has been providing its insurance solutions to the community since 1920.

License Verified:

License: 0633187

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.
4.1

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
6726 Fair Oaks Boulevard, Carmichael, CA 95608
  • Life Insurance
  • Health Insurance

Why choose this provider?

Nocito Benefit Insurance Services offers life and health insurance solutions to clients in Citrus Heights and the surrounding communities. The company was established by Vincent Nocito in 2004, catering to individuals and families and striving to educate them on the different insurance coverage to determine the options that fit their needs. It offers term, permanent, and universal life insurance options, in addition to health and dental coverage. Furthermore, Nocito Benefit Insurance Services works with various carriers, including Anthem, UnitedHealthcare, and Premier Access.

License Verified:

License: 0L50301

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
4.6 / 5 (9)

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
10112 Fair Oaks Boulevard, Fair Oaks, CA 95628
  • Life Insurance
  • Health Insurance

Why choose this provider?

Serving Citrus Heights, Toby Stapleton Agency provides a range of insurance products to clients in the metro. It offers life insurance service options including term life insurance, whole life insurance, and key man insurance. The company also has business insurance products such as commercial property insurance, trucking and towing insurance, cyber liability insurance, workers’ compensation insurance, and general liability insurance. Other services include personal insurance options like auto insurance, flood insurance, and renter’s insurance. Toby Stapleton, the agency’s owner, has a Marketing degree.

License Verified:

License: 0k44782

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 (3)
Yelp
5.0 / 5 (1)

Website
5150 Sunrise Boulevard, Fair Oaks, CA 95628
  • Life Insurance
  • Health Insurance

Why choose this provider?

Insurepeople.com is an independent insurance agency that serves clients in Citrus Heights and nearby areas. It provides different types of life insurance plans, such as term, indexed, and final expense. The agency has Medicare plans and is authorized to offer Medicare Advantage HMO and PPO plans from multiple companies. Additionally, it can assist employers with group health plans that include dental, vision, medical, and life coverage. The company is headed by Paul C Reese, who has been in the industry for over 39 years.

License Verified:

License: 0638843

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7433 Greenback Lane, Citrus Heights, CA 95610
  • Life Insurance

Why choose this provider?

Odessa is an insurance agency with offices in Citrus Heights and Sacramento. Its insurance products are available for life, home, auto, truck, and wildfire coverage. The company can also help with vehicle registration, from rebuilding titles to VIN verification. Its online services allow for an easy way to obtain an insurance policy. Odessa represents over 70 insurance companies, including RGA, Farmers Insurance, Liberty Mutual, and Southern Company. Its team of insurance brokers has successfully served more than 10,000 clients.

License Verified:

License: 6002631

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 (58)
Yelp
2.0 / 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
1333 Howe Avenue, Sacramento, CA 95825
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Louis Sanchez Insurance Services, LLC is an independent insurance brokerage serving the Citrus Heights area, offering insurance solutions to individual clients and businesses in the local metro. The company was formed in 1987 and specializes in home, auto, health, and life insurance. Some of its life insurance products include term life insurance, permanent life insurance, and universal life insurance. It also offers health insurance policies to individual clients, families, and groups. Louis Sanchez Insurance Services carries Travelers, Progressive, and Safeco for its products.

License Verified:

License: 0D80875

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
4.3 / 5 (6)
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
1120 Douglas Boulevard, Roseville, CA 95678
  • Life Insurance

Why choose this provider?

Chris Hagans provides life insurance coverage for the residents of Citrus Heights. He also handles coverage plans in relation to homes and businesses, health, flood and earthquake, and automobiles. The latter includes cars, RVs, trailers, and lifeboats. Hagans, an Economics degree holder, leads a team committed to serving its clients and community. He has also worked for his dad, who was also a State Farm agent for 37 years. Hagans's office stands nearby Trader Joe's and a shopping center.

License Verified:

License: 6000529

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 (130)
Facebook
5.0 / 5 (11)

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
7816 Uplands Way, Citrus Heights, CA 95610
  • Life Insurance
  • Individual Plans
  • Group Plans
  • Long Term Care

Why choose this provider?

Lion & Coventry is an insurance company serving families, individuals, and businesses in the Citrus Heights area and the surrounding communities. It is a life insurance service provider that offers term, whole, group, and disability coverages. The full-service brokerage also helps clients acquire long-term care, second-to-die policy, key person, and mortgage protection insurance. It also handles commercial, contractors', home, and cannabis business insurance. Lion & Coventry is an independent agency that has been providing insurance solutions since 1998.

License Verified:

License: 0G22084

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

Frequently Asked Questions

  • How does a whole life differ from a universal life insurance in Citrus Heights?

    Your premium, coverage, and cash build-up rate are fixed with whole life insurance. Meanwhile, with universal life, you have the flexibility to lower or raise your premium, and adjust the coverage if your financial capacity changes in Citrus Heights. Also, universal life insurance's cash build-up rate is dependent on the stock market’s performance, so it won't guarantee stable growth like a whole life policy.

  • When can you expect a response from the insurer for your life insurance claim in Citrus Heights?

    You should get an initial response from your insurer in Citrus Heights 15 days after filing. If more information is needed, the insurer should send you a written notification along with the list of information required within 40 days of receiving your claim. From the time the insurer receives all required information, they have 40 days to investigate the claim and issue an acceptance or rejection. These are stipulated under the California Code of Regulations Title 10 Section 2695.7.

  • What conditions are commonly excluded from life insurance policies in Citrus Heights?

    Almost all life insurance policies would have an attempted suicide or suicide exclusion. Note that a death resulting from an accident while intentionally engaging in a reckless activity is not considered suicide. Another widespread exclusion in the life insurance industry is death while perpetrating or attempting to perpetrate a crime. Some insurers in Citrus Heights also exclude deaths caused by war, aviation accidents, and dangerous activities.

  • Do you have a right to your spouse’s life insurance death benefit in Citrus Heights if you weren’t designated as a beneficiary?

    If your departed spouse’s life insurance was purchased in Citrus Heights while you were married and marital funds were used to pay premiums, it will be considered community property to which you have a 50% claim. Unless you signed a release of your community interest, your 50% claim as spouse overrides the listed beneficiaries' claims. Even after signing the release, you can still have a claim as a beneficiary if your spouse listed you as one.

  • Can a Citrus Heights insurer rescind a life insurance policy after the policyholder’s death for fraud or misstatements on the application?

    It depends if the policyholder passed away within or after the two-year contestability period. Citrus Heights insurers are given two years after the policy's issuance to evaluate the application for misrepresentations, errors, and fraud. Once that period ends, the insurer cannot rescind the policy or deny claims for fraud or misstatement, according to California Insurance Code Section 10113.5. If the policyholder dies within the contestability period and fraud is found, the insurer may have grounds to rescind the policy.

  • 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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