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Best Life Insurance Companies in Clovis

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Academy West Insurance Services, Inc. logo
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License Verified:

License: 0D79665

California Department of Insurance

Academy West Insurance Services, Inc.

5510 East Kings Canyon Road, Fresno, CA 93727
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  • Life Insurance

Business Description

Academy West Insurance Services, Inc., is a life insurance company that serves clients from Clovis and nearby areas. The agency provides term, whole, and universal life insurance to ensure financial stability for clients and their loved ones in case of an unexpected event. Insurance policies for cars, boats, homes, renters and businesses are also available. This independent, full-service firm is committed to providing its clients with personalized, quality insurance solutions.

License Verified:

License: 0D79665

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.
4.3
Google
4.0 / 5 (24)
Facebook
4.7 / 5 (14)

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
––
Active Life Financial and Insurance Solutions logo
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License Verified:

License: 0G53832

California Department of Insurance

Active Life Financial and Insurance Solutions

3563 Luminary Way, Clovis, CA 93619
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  • Life Insurance
  • Health Insurance

Business Description

Active Life Financial and Insurance Solutions is an insurance agency that serves clients in Clovis. It offers life insurance which provides financial security to beneficiaries in the event of an unexpected death. Death benefits can be used to pay for estate taxes, college tuition, and final expenses. Owner Edward Gonzalez holds a license to sell insurance through New York Life Insurance Company and other independent insurance carriers. Through NYLIFE Securities LLC, he also provides securities products and services.

License Verified:

License: 0G53832

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)

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
Andreini and Company logo
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Andreini and Company

West Walnut Avenue, Visalia, CA 93277
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  • Life Insurance

Business Description

Andreini and Company is an insurance brokerage located in San Mateo, CA. It serves both private and commercial entities. It was founded by John Andreini in 1951 and has since grown to become one of the biggest privately owned insurance agencies in the country. The firm offers life insurance; financial protection from earthquakes and floods; and coverage for motorcycles, automobiles, and watercraft. It also has various insurance products in numerous other fields, such as construction and aviation.

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
––
Atwal Insurance & Financial Services logo
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License Verified:

License: 0D55587

California Department of Insurance

Atwal Insurance & Financial Services

4656 North Waterside Drive, Clovis, CA 93619
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Atwal Insurance & Financial Services is a full-service life insurance company serving clients in Clovis. The business offers a wide range of life insurance plans, including term, whole, universal, and indexed universal life insurance. Its owner, Raj Atwal, is an independent consultant who strives to educate his clients about the purpose of each insurance coverage, including helping pay for final expenses, continuing the family business, and income replacement. Furthermore, the company gives back to the community by raising funds for breast cancer awareness.

License Verified:

License: 0D55587

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.
3.9

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
Avakian Insurance Services, Inc. logo
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License Verified:

License: 0F56540

California Department of Insurance

Avakian Insurance Services, Inc.

1274 West Hedges Avenue, Fresno, CA 93728
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  • Life Insurance
  • Health Insurance

Business Description

Avakian Insurance Services, Inc., helps Clovis area clients with its wide selection of options for insurance policies. The family-owned insurance agency focuses on assisting families who seek financial security in preparation for future events. As part of their life insurance services, the firm's agents also help these families resolve debts, make mortgage payments, and continue their businesses. In addition to general life insurance support, Avakian Insurance Services also assists in group insurance and coverage for disabilities and long-term treatment.

License Verified:

License: 0F56540

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
4.0 / 5 (14)

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
Barthuli & Associates logo
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License Verified:

License: 0C60247

California Department of Insurance

Barthuli & Associates

5250 North Palm Avenue, Fresno, CA 93704
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  • Life Insurance
  • Health Insurance

Business Description

Barthuli & Associates has been attending to the insurance needs of individuals and employers in Clovis and the surrounding metros since 1972. It collaborates with employer groups so that it can come up with employee benefits packages that are tailored to meet each client's needs. It offers life insurance policies for individuals, small and large businesses, and volunteers. Dental, vision, medical and prescription health insurance plans, and short- and long-term disability policies are also available. Barthuli & Associates has received commendations for its agents' patience and responsiveness.

License Verified:

License: 0C60247

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
––
Conor Molthen logo
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License Verified:

License: 0M20051

California Department of Insurance

Conor Molthen

55 Shaw Avenue, Clovis, CA 93612
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Conor Molthen is a local Farmers Insurance agent based in Clovis. He serves the insurance needs of individuals, families, and businesses in the metro and the surrounding communities like Madera County, Fresno County, Tulare County, Kings County, and Merced County. He carries life insurance plans, namely term life, whole life, and universal life insurance. Moreover, Conor provides commercial auto, commercial property, workers’ compensation, and general liability packages. Farmers Insurance has been serving and meeting the needs of customers since 1928.

License Verified:

License: 0M20051

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 (10)
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
Elizondo Insurance logo
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License Verified:

License: 0821498

California Department of Insurance

Elizondo Insurance

707 North Irwin Street, Hanford, CA 93230
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  • Life Insurance
  • Health Insurance

Business Description

Elizondo Insurance is a company that has served individuals and small to mid-size employers in the Clovis area for 30 years. The insurance agency delivers life insurance assistance utilizing market analysis with alternative funding and plan designs. The company owner, Tana Elizondo, has been in the insurance industry since 1991. Tana was awarded “Diamond” and “Insignia” or “Blue Star” Producing Agent by Blue Shield and Anthem Blue Cross. Tana was also appointed as one of three agents for the State of California on the Covered California Advisory Council.

License Verified:

License: 0821498

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Guenther Insurance logo
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License Verified:

License: 0723813

California Department of Insurance

Guenther Insurance

776 East Shaw Avenue, Fresno, CA 93710
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  • Life Insurance

Business Description

Guenther Insurance is a local independent agency that provides insurance products and services to families and individuals in the Clovis metro. The company offers term life, whole life, and universal life insurance. Its agents also help clients acquire final expense, fixed annuities, and mortgage protection insurance. They craft insurance coverages for homes, condominiums, collector cars, ATVs, and motorcycles. Guenther Insurance has been providing insurance solutions since 1987. It can communicate with clients in English and Spanish.

License Verified:

License: 0723813

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
4.0 / 5 (8)
Facebook
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
Guru Commercial Insurance Brokers logo
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License Verified:

License: 0G30646

California Department of Insurance

Guru Commercial Insurance Brokers

516 West Shaw Avenue, Fresno, CA 93704
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  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Guru Commercial Insurance Brokers provides tailored life insurance plans to individuals and families in Clovis. The independent service provider offers term life and whole life insurance programs. Its agents explore clients' life plan options and adjust existing policies based on their changing needs. Additionally, they can issue certificates of insurance quickly. The company works with various insurance carriers to address its customers' individual needs. Guru Commercial Insurance Brokers is committed to providing proper coverages and rates to its clients.

License Verified:

License: 0G30646

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.
4.3
Google
4.0 / 5 (24)

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
Ivans Insurance Agency logo
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Ivans Insurance Agency

804 North Irwin Street, Hanford, CA 93230
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  • Life Insurance

Business Description

Ivans Insurance Agency has been providing insurance products and services for more than 29 years. It caters to individuals, families, and business owners in Clovis and the surrounding areas. It offers life insurance policies that aim to protect the clients' families in the event of death. It also handles auto, home, condo, farm, and renters' insurance plans. The agency helps clients obtain insurance programs that suit their needs through multiple insurance carriers, including Progressive, Foremost, and Safeco.

J.D. Ostdiek Insurance, Inc. logo
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License Verified:

License: 0M04895

California Department of Insurance

J.D. Ostdiek Insurance, Inc.

1100 West Shaw Avenue, Fresno, CA 93711
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  • Life Insurance
  • Health Insurance

Business Description

Since 1978, J.D. Ostdiek Insurance, Inc., has been providing a wide range of insurance products to clients in Clovis. It offers life insurance policies to individuals and groups and customizes employee benefit programs, including health, dental, vision, disability, and long-term care insurance. The independent firm partners with over 100 insurance carriers, allowing its customer base to get the right policy. The company is managed by brothers Mark and Nicholas Ostdiek, who worked for John Hancock Financial before leading J.D. Ostdiek Insurance.

License Verified:

License: 0M04895

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
Jackson & Associates logo
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License Verified:

License: 0B69133

California Department of Insurance

Jackson & Associates

1348 Draper Street, Kingsburg, CA 93631
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Jackson & Associates offers comprehensive risk management and insurance solutions in Clovis and nearby locations. Established in 1963, the firm carries a range of insurance plans, including home, business, and life insurance. Clients receive assistance in understanding and choosing from life insurance options, such as term, whole, universal, and variable universal life insurance. Jackson & Associates also provides coverage packages for vehicles and farms. Its online service center assists clients in changing insurance policies, making payments, and reporting claims.

License Verified:

License: 0B69133

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
James Schweer Insurance logo
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License Verified:

License: 0E00384

California Department of Insurance

James Schweer Insurance

352 Pollasky Avenue, Clovis, CA 93612
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  • Life Insurance
  • Health Insurance

Business Description

James Schweer Insurance is a car insurance firm that serves clients in Clovis. The company provides a wide range of life insurance options, such as term, whole, and universal. Insurance packages for long-term care, disabilities, commercial auto, and workers' compensation are also available. Its team of agents is well-versed in handling the insurance needs of individuals and businesses. ​The firm has partnered with top insurance carriers, including Safeco Insurance, Blue Cross Blue Shield, UnitedHealthcare, and Nationwide.

License Verified:

License: 0E00384

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
Facebook
5.0 / 5 (7)
Google
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jeanette Willems logo
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License Verified:

License: 0833361

California Department of Insurance

Jeanette Willems

1196 11th Street, Reedley, CA 93654
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  • Life Insurance
  • Health Insurance

Business Description

Jeanette Willems is a State Farm insurance agent servicing the Clovis community. Since 1992, she has been providing term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available for small businesses for different purposes such as business continuation, key employees, employee benefits, and key employee incentives. Willems and her team also offer auto, health, and pet insurance. Moreover, they specialize in financial services like banking.

License Verified:

License: 0833361

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
Juan Covarrubias logo
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License Verified:

License: 0L41206

California Department of Insurance

Juan Covarrubias

964 Pollasky Avenue, Clovis, CA 93612
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  • Life Insurance

Business Description

Juan Covarrubias is a State Farm insurance agent that offers life insurance services in Clovis and its surrounding areas. He offers various life insurance policies such as term, universal, and whole life insurance. In addition to that, he also provides other insurance services like supplemental health, home, renters', pet, and disability insurance. In addition to providing services to individuals, Covarrubias also offers policies to businesses such as commercial auto, workers' compensation, and business owner insurance.

License Verified:

License: 0L41206

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.
4.7
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (2)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kuhtz Diehl Insurance & Financial Services, LLC logo
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License Verified:

License: 0D80889

California Department of Insurance

Kuhtz Diehl Insurance & Financial Services, LLC

2150 North Winery Avenue, Fresno, CA 93703
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  • Life Insurance
  • Health Insurance

Business Description

Kuhtz Diehl Insurance & Financial Services, LLC serves individuals, families, and businesses throughout Clovis and neighboring communities. The independent agency offers various insurance policies for life, health, Medicare, SSDI, and group coverage. After working in the financial services industry since the early 1990s, Rob Diehl and Steve Kuhtz founded the company in 2002 to provide a higher standard of client service. In 2009, Diehl and Kuhtz started the Medicare general agency, First Sierra Insurance Services, which now has over 400 agents across California, Nevada, and Oregon.

License Verified:

License: 0D80889

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 (6)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Massei Insurance Services Agency, LLC logo
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License Verified:

License: 0I21945

California Department of Insurance

Massei Insurance Services Agency, LLC

2037 West Bullard Avenue, Fresno, CA 93711
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  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

With more than 30 years of experience in the field, Massei Insurance Services Agency, LLC, is an independent insurance agency that provides services to clients in Clovis and surrounding communities. The company offers life insurance products such as long-term care, universal, and term life insurance. Additionally, it handles health insurance options which include dental plans, disability insurance, major medical insurance, and Medicare Supplements. Massei Insurance Services Agency, LLC, also takes care of travel health insurance through CSA Travel Protection.

License Verified:

License: 0I21945

California Department of Insurance

New York Life logo
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License Verified:

License: 0C43544

California Department of Insurance

New York Life

205 East River Park Circle, Fresno, CA 93720
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  • Life Insurance
  • Health Insurance

Business Description

Founded in 1845, New York Life is an insurance agency that serves the Clovis area and the surrounding metros. Offering policies to life insurance buyers, New York Life helps clients prepare for the future by preparing terms that would protect its clients from unforeseen circumstances. It provides short-term and long-term care, enabling clients to choose whether they want traditional solutions or combination solutions. Additionally, New York Life also offers customizable add-ons for clients to meet their specific needs.

License Verified:

License: 0C43544

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 (30)

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
Pacific Ag Insurance Agency, Inc. logo
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License Verified:

License: 0C84245

California Department of Insurance

Pacific Ag Insurance Agency, Inc.

1715 North 11th Avenue, Hanford, CA 93230
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  • Life Insurance
  • Health Insurance

Business Description

Pacific Ag Insurance Agency, Inc., is an independent insurance agency serving clients in Clovis. It offers personal and commercial insurance products, such as policies that provide life, health, home, and auto coverage. The company was first established in Corcoran City in 1999 but has since expanded to a new location in Chowchilla and established a main office in Hanford. It serves clients in the cities of Fresno, Corcoran, Hanford, Chowchilla, Visalia, Lemoore, and their surrounding areas.

License Verified:

License: 0C84245

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
Facebook
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
Pillar Insurance Partners LLC logo
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License Verified:

License: 0G81372

California Department of Insurance

Pillar Insurance Partners LLC

1477 East Shaw Avenue, Fresno, CA 93710
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  • Life Insurance
  • Health Insurance

Business Description

Pillar Insurance Partners LLC is an insurance agency specializing in offering personal and commercial insurance lines in Clovis and nearby areas. Its agents deliver term, whole, and universal life insurance policy options designed specifically for the unique needs of their clients. As an independent agency, it has partnered with several groups of insurance carriers to help its clients select the products they require. Pillar Insurance Partners LLC also offers auto, home, and condo insurance plans, as well as employee benefit solutions.

License Verified:

License: 0G81372

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
Randhawa Insurance Agency Inc logo
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License Verified:

License: 0M90134

California Department of Insurance

Randhawa Insurance Agency Inc

3150 North Weber Avenue, Fresno, CA 93722
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  • Life Insurance

Business Description

Randhawa Insurance Agency Inc. is a local business that serves the insurance needs of families and businesses in the Clovis area and the surrounding communities. It is an independent firm that represents many different carriers that offer life insurance plans like term life insurance, return of premium life, whole life, universal life, indexed universal life, and variable universal life insurance and variable life insurance. Additionally, it provides insurance products like business, auto, home, and health insurance.

License Verified:

License: 0M90134

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Rice Insurance Benefits Inc logo
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License Verified:

License: 0753631

California Department of Insurance

Rice Insurance Benefits Inc

516 Villa Avenue, Clovis, CA 93612
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  • Life Insurance

Business Description

Rice Insurance Benefits, Inc., is a brokerage firm headed by Ross Rice, an insurance professional with decades of experience in the business. This firm offers individual coverage, such as medical and dental insurance plans, and custom-tailors employee benefits packages, which include group life insurance. The group employee benefits also cover health, dental, and vision insurance. Moreover, Rice Insurance Benefits assists clients in Clovis through the enrollment and claims process and keeps them updated with quarterly service updates.

License Verified:

License: 0753631

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 (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
Schramm Insurance Services, Inc. logo
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Schramm Insurance Services, Inc.

964 Pollasky Avenue, Clovis, CA 93612
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  • Life Insurance

Business Description

Omega Pacific Insurance is independent and locally operated insurance agency that assists clients in finding the right combination of personalized coverage at the right price. The company offers coverage options for life, home, auto, health, business, commercial, renters, boat, and other insurance needs. It has offices in Modesto, Clovis, and Stockton to serve clients across Central California. The company carries personal offense coverage in a digital world and era where people are vulnerable to slander and libel.

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 (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
Tom Carignan Insurance Agency logo
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License Verified:

License: 0C72992

California Department of Insurance

Tom Carignan Insurance Agency

1300 West Center Avenue, Visalia, CA 93291
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  • Life Insurance
  • Health Insurance

Business Description

Tom Carignan Insurance Agency is an insurance company that caters to individuals and businesses in the Clovis area. The owner, Tom Carignan, is an agent who has been in the industry for over 20 years. With his leadership, his team has offered term life, whole life, and universal life insurance policies that are unique to the financial needs of each client. It also offers property, vehicle, business, and health insurance policies. Tom's company won Safeco's Award of Excellence in 2019.

License Verified:

License: 0C72992

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 (18)

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
Vermillion & Associates logo
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License Verified:

License: 0514162

California Department of Insurance

Vermillion & Associates

2054 2nd Street, Selma, CA 93662
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  • Life Insurance

Business Description

An independently owned and locally operated agency, Vermillion & Associates serves the insurance needs of Clovis. It has been providing insurance solutions to individuals and businesses since its foundation in 1965. Its agents help with finding life insurance coverages, including term, whole, and universal life insurance. Additionally, they also assist in securing health, vehicle, property, and business insurance policies. Vermillion & Associates compares insurance products from different providers, such as Safeco, Mercury Insurance, Capital Insurance Group, and Blue Cross Blue Shield.

License Verified:

License: 0514162

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
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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