Best Life Insurance Companies in El Cajon

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Last updated: October 1, 2022

B.H. Gold Insurance Agency

9699 Tierra Grande Street, San Diego, CA 92126

Life Insurance

Established in 1986, B.H. Gold Insurance Agency offers personal insurance options, including life insurance policies. This independently-owned agency represents insurance providers to match all kinds of individual and business needs. Its experienced insurance professionals assist individuals and families in El Cajon secure their financial future by surveying the marketplace and delivering options based on their needs and goals. B.H. Gold Insurance Agency also offers commercial insurance lines for restaurants, apartments, and pest control companies.

Bazurto Insurance Services

2220 Otay Lakes Road, Chula Vista, CA 91915

Life Insurance
Group Plans

Bazurto Insurance Services is a full-service insurance agency that helps families, individuals, and businesses in El Cajon get the right insurance for themselves. It specializes in group life insurance, as well as auto, disability, and individual medical and dental insurance coverage plans. Some of its partner insurance carriers include Aetna, Anthem Blue Cross, United Healthcare, and Blue Shield. With a goal to provide quality customer service, its team strives to handle issues in each step of the insurance journey.

Denise Laughery

1102 North 2nd Street, El Cajon, CA 92021

Health Insurance

Denise Laughery is an insurance agent and the owner of Denise Laughery Insurance Services, Inc. The business is an independent agency that serves families and businesses in the community of El Cajon and its surrounding areas. It specializes in life, health, vision, and dental insurance. It also works with several insurance carriers, such as Western Health Advantage, Molina Healthcare, and L. A Care Health Plan. In addition, Laughery's company provides insurance coverage types that include senior, child only, and individual and family plans.

GearHead Insurance

172 East Main Street, El Cajon, CA 92020

Life Insurance

GearHead Insurance provides individuals and families in El Cajon with future financial protection through life insurance coverage, including term, whole life, and hybrid policies. This independent insurance brokerage consists of team members with over a decade of experience in the industry. These professionals simplify the insurance process and expedite the claims resolution. They also offer real estate services and other insurance options, such as home, auto, classic car, mobile home, and commercial insurance for businesses and corporates.

Hal Rakowski Insurance

9727 Los Coches Road, Lakeside, CA 92040

Life Insurance
Health Insurance

Delivering insurance solutions and risk management products for more than half a century, Hal Rakowski Insurance is an independent agency serving clients in El Cajon. It offers personal coverages, such as life insurance, health insurance, homeowners insurance, and personal auto insurance. The company also provides commercial policies for commercial auto, general liability, inland marine, and workers’ compensation. A client praised how one of the company’s agents was able to give them insurance coverage that matched their budget.

Hilanto Financial and Insurance Services, Inc

3071 Gayla Court, Spring Valley, CA 91978

Life Insurance
Health Insurance

Hilanto Financial and Insurance Services, Inc., is an independent insurance provider serving Spring Valley and the surrounding areas, including El Cajon. Established in 1990, it specializes in helping clients obtain personal insurance, specifically health and life insurance. These coverages keep them protected and financially supported during life’s distressing events. Its head insurance agent, Amer Hilanto, connects with reputable carriers, such as Aetna, Prudential, and Cigna, to respond to the specific insurance needs of the company's clients.

Insurance 4 Less

26 3rd Avenue, Chula Vista, CA 91910

Life Insurance
Health Insurance

Insurance 4 Less provides El Cajon residents with a wide range of insurance products like life insurance. Other coverage products it handles include homeowners insurance, commercial auto business insurance, health insurance, and Mexico insurance. Moreover, the company insures car owners, motorcycle owners, and boat and RV owners. It offers roadside assistance, manages the filing of claims, and provides registration services. Insurance 4 Less represents insurance carriers and serves clients throughout Chula Vista, Kearny Mesa, and Vista.

J.R. Tolver

9484 Black Mountain Road, San Diego, CA 92126

Life Insurance
Health Insurance

J.R. Tolver is an insurance agent that serves clients from El Cajon and other cities. He offers life, home, and auto insurances. He also assists clients with their business and property insurance concerns. Tolver assesses queries in English and Spanish for clients who prefer to converse in this language. He strives to give clients insurance programs that suit their capacities and circumstances. Tolver is available for consultations on evenings and weekends on an appointment basis.

Jenkins Financial Insurance Agency

236 Jamacha Road, El Cajon, CA 92019

Life Insurance

Jenkins Financial Insurance Agency serves the life insurance needs of El Cajon and the surrounding communities. Founded in 1964, the agency operates independently and provides clients with access to a diverse network of insurance carriers, such as Assurity Life, Prudential, Transamerica Family Markets, and Global Atlantic. Depending on the client's needs, it can offer insurance policies such as term life insurance, universal life insurance, or whole life insurance. The agency also offers accidental death and long-term care benefits.

Kelly Insurance Agency

9600 Cuyamaca Street, Santee, CA 92071

Life Insurance

Kelly Insurance Agency is an independent insurance company that serves residential and commercial clients in El Cajon and its surrounding areas. It offers a comprehensive suite of insurance products, including life, auto, home, renters, and condominium insurance. The company has access to several insurance carriers, providing a wealth of options for each client in choosing a suitable insurance package that meets their requirements. Kelly Insurance Agency also offers business insurance as well as motorcycle and ATV coverage.

Kennedy Insurance

2295 Fletcher Parkway, El Cajon, CA 92020

Life Insurance
Health Insurance

Kennedy Insurance has been providing insurance solutions in El Cajon since 1987. It is a locally owned and operated agency. It offers a wide variety of life insurance options, including individual life insurance, group life insurance, long-term care, and disability insurance as well as mortgage protection and second-to-die policy. Additionally, the company's agents assist with home and auto insurance, health insurance, and recreational vehicle insurance. Commercial, business, and specific industry insurance products are also available.

Koda Insurance Services

270 East Douglas Avenue, El Cajon, CA 92020

Life Insurance

Headquartered in San Diego County, Koda Insurance Services is an insurance agency that provides insurance services to residents and businesses in El Cajon and the surrounding communities. The independent insurance firm carries life insurance plans across term life, whole life, universal, and variable universal options. It also provides commercial insurance packages that include general liability insurance, business owners' policy insurance, workers’ compensation insurance, and surety bonds. The agency was founded by Raymond Koda.

Mark G Witcher

945 Otay Lakes Road, Chula Vista, CA 91913

Life Insurance
Health Insurance

Mark G. Witcher is an insurance agent with State Farm Insurance who offers personal and commercial lines in El Cajon and nearby areas. Mark assists individuals in acquiring a life insurance policy that can subsidize mortgages, college funds, debts, and general living expenses in the future. He and his team specialize in term life, whole life, and universal life insurance. His group also handles auto, home, health, and business insurance. Mark has been working at State Farm, a full-service insurance firm, since 2002.

Mitch Ruibal

9191 Towne Centre Drive, San Diego, CA 92122

Life Insurance

Mitch Ruibal is a financial advisor affiliated with LPL Financial who caters to clients in El Cajon and its surrounding areas. He provides assistance in obtaining life and long-term care insurance policies. Moreover, he also helps clients address estate conservation issues, investing principles, retirement distribution strategies, and risk management analysis. Mitch has been in the financial services industry for more than 14 years and holds a bachelor's degree in Economics. LPL Financial is a member of the FINRA and SIPC.

OP Insurance

8100 La Mesa Boulevard, La Mesa, CA 91942

Life Insurance
Whole Life Insurance
Term Life Insurance

OP Insurance assists individuals, businesses, and families in El Cajon and the surrounding areas with purchasing insurance products that fit their needs and requirements. It helps its clients find policies, such as term life, whole life, and permanent life insurance, that take care of their family's needs after death, including burial expenses, uninsured medical bills, and daily living costs. OP Insurance was founded in 2011 and its agents work with a wide range of insurance carriers.

Payless Auto Insurance Broker, Inc.

6437 University Avenue, San Diego, CA 92115

Life Insurance

Payless Auto Insurance Broker, Inc., is a professional insurance company that serves residential and commercial clients in El Cajon and its surrounding cities. It offers a wide array of insurance products and services, including life, automobile, home, and mobile, and SR-22 insurance coverage. The company is managed by a team of professional insurance agents able to assist current policyholders during the insurance claims process and recommend suitable insurance coverage that meets their criteria. Payless Auto Insurance Broker also provides commercial property and general liability coverage.

Prosper Insurance Solutions

7710 Balboa Avenue, San Diego, CA 92111

Life Insurance

Prosper Insurance Solutions is an independent insurance agency that offers life insurance plans to residents in El Cajon, as well as the entire state of California. The firm also provides other types of personal insurance products, such as umbrella, boat, car, and homeowners', as well as business insurance. Additionally, it offers protection to homeowners, as well as condo and commercial property owners and renters, against damage caused by flooding to San Diego. Todd Payne, its agent, has been helping families secure their future since 1996.

Ramona Insurance

10717 Sorrento Valley Road, San Diego, CA 92121

Life Insurance
Health Insurance

Ramona Insurance is an independent agency serving individuals and groups in El Cajon. It provides an array of life insurance options, such as term life insurance, whole life insurance, burial insurance, and annuities. The company also offers health care policies covering major medical coverage, dental, vision, and prescriptions. It also has other available services like auto insurance and homeowners insurance. Ramona Insurance has a focus on meeting the individual needs of its clientele.

Swanson Insurance Agency

1161 East Main Street, El Cajon, CA 92021

Life Insurance
Health Insurance
Group Plans
Long Term Care

Swanson Insurance Agency is a provider of life insurance programs for the residents of El Cajon and the surrounding areas. It offers a variety of life insurance options, including group, individual, mortgage protection, long-term care, second-to-die, and key person insurance. The locally owned and operated insurance agency also offers a wide range of other insurance products, such as home, auto, health, farm, construction, and group disability insurance. In addition, Swanson Insurance Agency represents several carriers, including Nationwide, Travelers, and Mercury Insurance.

Teague Insurance

4710 4th Street, La Mesa, CA 91941

Life Insurance

Teague Insurance has been providing life insurance products to El Cajon residents since 1954. These products cover medical bills, funeral costs, and the unpaid debts of clients to help protect their families from financial burdens after their death. It also offers several life insurance policies, such as universal and term life. Additionally, the agency partners with several national carriers, including Allied, CNA, Capital Insurance Group, and Foremost Insurance. Teague Insurance president Byron Johnston has been working in the company for more than 20 years.

Vianca's Insurance & Financial Services

737 3rd Avenue, Chula Vista, CA 91910

Life Insurance

Vianca's Insurance & Financial Services has served El Cajon and the surrounding areas for more than ten years, serving the insurance needs of residents and local businesses. It helps clients gain access to individual and business packages from various insurance companies. It carries life insurance plans like permanent life, whole life, and universal life. Moreover, it provides commercial and retirement insurance plans for business clients. Company owner Blanca Montejano has over 16 years of experience in the industry.

Webster Insurance Agency, Inc.

8315 La Mesa Boulevard, La Mesa, CA 91942

Life Insurance

Webster Insurance Agency, Inc., offers life insurance solutions to clients in El Cajon and the surrounding areas. The professionals in the company are well-versed in a variety of insurance products and guidelines, helping clients choose the coverage that fits their needs. They help clients purchase various life insurance options, including term and whole life coverage. Additional options are also provided, including homeowners, umbrella, auto, and renters insurance In addition, commercial products, such as professional liability and workers' compensation, are also available.

Wilson Insurance Brokers

PO Box 181710, Coronado, CA 92178

Life Insurance
Whole Life Insurance
Term Life Insurance

Wilson Insurance Brokers is a fourth-generation insurance company with over 60 years of experience in the industry. It specializes in full-range personal lines insurance, including life insurance. Whether clients need term life insurance, whole life insurance, or universal life insurance, the company brings a wide range of options from the 200 carriers it represents. The staff at this firm finds coverages suitable to clients' situations. The company is licensed in 14 states and serves El Cajon residents.

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Frequently Asked Questions

Q: Who should buy supplemental health insurance?

A: 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.

Q: Can I buy health insurance anytime?

A: 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.

Q: Can I buy health insurance that is not Obamacare?

A: 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.

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