Expertise.com

Best Life Insurance Companies in El Monte

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Life Insurance Companies FAQs 〉

Last updated:

Website
217 North Azusa Avenue, Azusa, CA 91702
  • Life Insurance

Why choose this provider?

Silver Star Financial Group, Inc., is a life insurance provider that serves the El Monte area. Its team of independent agents furnishes policies that provide protection for a lifetime and build cash value that can be used for retirement. They work with a number of carriers to find suitable policy options for clients, and these carriers include MetLife, The Hartford, American General, and Liberty Bankers Life. Silver Star Financial Group has been in service since 1997.

License Verified:

License: 0F09629

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4260 Santa Anita Avenue, El Monte, CA 91731
  • Life Insurance
  • Health Insurance

Why choose this provider?

Hector Feria is an insurance agent with State Farm, serving residents and businesses in El Monte. He offers a range of risk management solutions, including health and life insurance as well as coverage for pets, homes, properties, and automobiles. Additionally, he provides business policies and assistance for clients' banking needs. His office is staffed with insurance professionals who can speak English and Spanish. Clients can visit Feria's office, which is across the street from the El Monte Airport.

License Verified:

License: 0I03612

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
Google
4.0 / 5 (48)
Yelp
5.0 / 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

Website
18780 Amar Road, Walnut, CA 91789
  • Life Insurance

Why choose this provider?

Established in 2002, Timoseed Insurance Services is an insurance agency serving individuals and companies throughout the Greater El Monte area. It works with numerous carriers to help clients find coverage plans that suit their specific needs. Its insurance products include life insurance, business insurance, and personal insurance. The team of professionals at this company listens to customers' risk concerns and produces personalized suggestions based on their input. Timoseed Insurance Services also assists in insurance claim filing and conducts insurance consultations.

License Verified:

License: 0L25563

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
711 West Camino Real Avenue, Arcadia, CA 91007
  • Life Insurance
  • Health Insurance

Why choose this provider?

Giacopuzzi & Co., Inc., is a family-owned insurance company that provides services to its clients from all over the El Monte metro. Founded in 1928, it has been offering life insurance policies to individuals and businesses from several industries. In addition, it provides a variety of auto insurance, business insurance, and home insurance policies to its clients depending on their needs. It also has partnerships with carrier companies, such as Progressive, Foremost Insurance Group, and Safeco Insurance.

License Verified:

License: 0230717

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 (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
38 E Huntington Drive Suite C, Arcadia, CA 91006
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

S Sanders Company Insurance is a full-service insurance firm serving customers in El Monte and the surrounding areas. It offers a broad range of insurance products, including life insurance, auto insurance, Medicare supplements, and dental insurance. The professionals at the company work with insurance carriers such as MetLife, Progressive, Blue Shield, Mercury Insurance Group, and Safeco Insurance to provide clients with coverage that suits their needs. S Sanders Company Insurance has been serving the community since 1946.

License Verified:

License: 0249077

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
4381 Peck Road, El Monte, CA 91732
  • Life Insurance
  • Health Insurance

Why choose this provider?

CGI Agency Insurance Specialist is a diversified insurance brokerage in El Monte. Its products include group life insurance, personal auto insurance, home insurance, commercial auto insurance, and motorcycle insurance. It has nearly five decades of experience in the insurance industry and over 25 years of service in California. It caters to the needs of simple businesses to big corporations. CGI Agency Insurance also serves individuals, families, companies, and industries to protect their savings and investments.

License Verified:

License: 0I43636

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 (120)
Facebook
4.0 / 5 (9)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Can your spouse claim your life insurance benefits in El Monte if you didn’t name them as a beneficiary?

    California recognizes community property, so if the policy was purchased in El Monte while you were married and marital funds were used to pay for it, your spouse is entitled to a share even though they're not listed as a beneficiary. Furthermore, you need your spouse's written consent to add someone else as a beneficiary or make policy changes. Do note that your spouse may waive their community property rights.

  • Do life insurance policyholders in El Monte get a grace period for missed premium payments?

    Under California Insurance Code 10113.71, life insurance companies in El Monte are required to provide policyholders with a grace period of a minimum of 60 days for unpaid premiums. The period starts counting from the missed premium’s due date. You should settle the overdue premium within this period or your policy will lapse.

  • Who gets the life insurance death benefits in El Monte if there are no beneficiaries listed on the policy?

    If there were no beneficiaries or the beneficiaries have all passed away before the insured’s death, the life insurance proceeds will be paid toward the insured’s estate in El Monte. The estate will then go through probate. Policyholders should designate primary and contingent beneficiaries to avoid the proceeds going to the estate and getting taxed. Contingent beneficiaries will receive the death benefit if the primary beneficiaries are no longer living.

  • How does a bad driving record affect your life insurance rates in El Monte?

    If you have two or more traffic violations in the last three years or a DUI/DWI conviction in the last two years, most life insurance companies in El Monte will charge you a higher rate, about 35% higher than average. People with traffic violations and convictions are riskier to insure as reckless drivers have a higher chance of dying early. In fact, if you have multiple DUIs, some companies would refuse to insure you.

  • How long is the contestability period for life insurance policies in El Monte?

    Under California Insurance Code Section 10113.5, the contestability period is two years from the date the policy was issued or reinstated. During this period, the insurance company should review the application and rescind or void the policy if any misrepresentation is found. After the contestability period passes, the El Monte insurer can no longer cancel the policy or deny an insurance claim for material misrepresentation.

  • 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.

Related Articles

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...