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Best Life Insurance Companies in Escondido

2024

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Providers

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Website
665 North Escondido Boulevard, Escondido, CA 92025
  • Life Insurance
  • Health Insurance

Why choose this provider?

DA Insurance Brokers is a locally owned and operated business offering personal and group insurance solutions in Escondido. Its team of specialists helps clients shop for a life insurance policy that matches their financial and personal needs. Some of the options they offer include individual and group life insurance, long-term care, disability, and mortgage protection insurance policies. In addition to life insurance, the firm also provides health insurance packages, including vision, dental, prescription, and medical expense plans.

License Verified:

License: 0640290

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
Google
5.0 / 5 (7)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3235 Old Highway 395, Fallbrook, CA 92028
  • Life Insurance
  • Individual Plans
  • Long Term Care

Why choose this provider?

Arlan Knutson Insurance Agency serves Escondido residents with an array of individual life insurance options. These include level term, annual renewable term, and whole life insurance. It also offers second-to-die policy that allows beneficiaries to pay off estate taxes without liquidating the personal assets of their deceased loved ones. In addition, Arlan Knutson Insurance Agency specializes in home, farm, business, and auto insurance. This family-owned and operated insurance agency has been in the business for more than a decade.

License Verified:

License: 0D87915

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)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
27357 Valley Center Road, Valley Center, CA 92082
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Pauma/Valley Insurance Agency, Inc. is a full-service independent insurance agency serving the Escondido metro. It offers life insurance services to ensure death benefits, asset protection, and financial security. The agency also provides health or medical insurance, pet insurance, weddings and special events insurance, winery insurance, renters insurance, and brewery insurance. Other services include auto insurance, boat and watercraft insurance, RV and travel trailers insurance, and motorcycle insurance. Pauma/Valley Insurance Agency, Inc. has been providing insurance services since 1978.

License Verified:

License: 0662677

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 (24)
Yelp
4.0 / 5 (19)

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
600 La Terraza Boulevard, Escondido, CA 92025
  • Life Insurance

Why choose this provider?

UWS Insurance Services Inc. is an independent agency that caters to clients in Escondido and the surrounding communities. It provides life insurance policies that can be used by the beneficiaries to pay for final expenses, debts, and child care. It also offers vision, dental, medical, condo, and renters' insurance programs. The agency crafts commercial property, general liability, BOP, and workers' compensation insurance solutions. One of its agents, Victoria Cowart, has been in the insurance industry since 2011.

License Verified:

License: 0L75400

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

Website
687 South Coast Highway 101, Encinitas, CA 92024
  • Life Insurance
  • Health Insurance

Why choose this provider?

Health Savings Associates is a family-owned insurance brokerage providing tailored plans for individuals, families, and small businesses in Escondido. It delivers a wide range of insurance solutions and risk management services, including comprehensive life insurance options. The firm is devoted to helping clients select the best plans that match their annual premium budgets and needs. In addition to life insurance, the firm customizes insurance plans for health, disability, long-term care, and medicare. It also handles wellness and supplemental programs.

License Verified:

License: 0F60673

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
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
227 North El Camino Real, Encinitas, CA 92024
  • Life Insurance
  • Health Insurance

Why choose this provider?

Jake Cesare is a full-time insurance agent at State Farm Insurance, a multi-line insurance company serving clients in Escondido and nearby areas. Cesare helps new and existing policyholders protect their loved ones against future financial mishaps through a life insurance plan. He and his team represent multiple providers that offer a variety of life coverage options, such as term life, whole life, and universal life plans. He also specializes in health, disability, home, and auto insurance. Cesare has been working in the insurance business since 2013.

License Verified:

License: 6000637

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
5.0 / 5 (19)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
250 West Crest Street, Escondido, CA 92025
  • Life Insurance

Why choose this provider?

LIA Insurance Agency customizes protection plans for individuals and businesses in Escondido and the surrounding areas. Its team of independent agents has access to plans from local, regional, and national carriers. They furnish different types of policies covering life, home, motorcycle, and car insurance. In addition, they also offer a range of products for businesses that comprise commercial auto and workers' compensation policies. LIA Insurance Agency has been providing risk management solutions over the past 38 years.

License Verified:

License: 0764257

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)
Facebook
5.0 / 5 (2)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
197 Woodland Parkway, San Marcos, CA 92069
  • Life Insurance
  • Health Insurance

Why choose this provider?

Just Us Insurance Services Inc. helps Escondido residents with their life insurance needs. It offers a variety of life insurance options, including universal, term, and final expense life insurance. Its team of professionals also helps clients with other types of personal insurance policies, such as home, auto, health, and Medicare insurance plans. Just Us Insurance Services Inc. is a company based in San Marcos that has been in the insurance business for more than 15 years.

License Verified:

License: 0L37565

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 (42)
Yelp
5.0 / 5 (4)
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
10809 Thornmint Road, San Diego, CA 92127
  • Life Insurance
  • Health Insurance
  • Long Term Care

Why choose this provider?

West Coast Group Benefits has been serving contractors, non-profit organizations, and businesses in Escondido for more than 50 years. It provides employee benefits programs and insurance policies that cover dental, health, retirement, and life. Its team of insurance professionals assists clients in identifying their needs and developing suitable, personalized solutions. The business was founded by a partnership between Phil Peil, Sr. and Patrick J. Flynn, whose goal is to build long-lasting relationships with customers.

License Verified:

License: 0D78338

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
11440 West Bernardo Court, San Diego, CA 92127
  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Why choose this provider?

GHIO Insurance Agency is an independent agency that provides life insurance plans to individuals and businesses in Escondido and the surrounding areas. The agency has been representing a diverse range of insurance carriers since 1989. Its insurance specialists combine this expansive network with their experience and product knowledge to provide clients with a policy that suits their needs. GHIO Insurance Agency is partnered with Aetna, Marquette National, Ameritas, Sentinel Life, and Morgan White Group.

License Verified:

License: 0M89634

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

Website
3790 Via De La Valle, Del Mar, CA 92014
  • Life Insurance
  • Health Insurance

Why choose this provider?

SeniorQuote Insurance Services provides life and health insurance options for clients in Escondido. Its life insurance programs include term life insurance, permanent life insurance, and whole life insurance. Additionally, the company offers health plans and Medicare insurance programs to interested individuals. More than 10 years ago, the company was established by Bill Haynor, who wanted to offer life and health insurance solutions to the Baby Boomer generation. Haynor has worked in the insurance industry since the early 1970s.

License Verified:

License: 0H96026

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.
2.4
Facebook
2.0 / 5 (7)
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
27525 Valley Center Road, Valley Center, CA 92082
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Valley Insurance Agency is an independent life insurance provider that serves clients in the Escondido area. It aims to provide clients with appropriate policies that suit their financial goals and help their business stay afloat. Its services and policies include whole life, individual health plans, employer group plans, and disability protection. The business was founded in 2004 by Erik Jansen, who previously worked as an insurance litigation attorney and has over two decades of experience in the industry.

License Verified:

License: 0E48178

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 (2)
Facebook
5.0 / 5 (2)
Yelp
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

Website
310 Via Vera Cruz, San Marcos, CA 92078
  • Life Insurance

Why choose this provider?

Mark Militello is a multiple-line general agent who manages the local operations of American National in Escondido. The American National Insurance Company is a group of insurance carriers formed in 1905 and currently operates in all 50 states. Mark handles a team of local agents that offers insurance products such as life, health, auto, homeowners', and renters'. They also provide auto coverage that includes insurance for classic cars, policies for farm and ranch coverage as well as recreational insurance.

License Verified:

License: 0G17930

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 (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
1036 2nd Street, Encinitas, CA 92024
  • Life Insurance

Why choose this provider?

Schulte Insurance Agency provides Escondido with life insurance coverage options of both temporary term and permanent term. The family-owned company also deals with individual health and dental insurance, vision insurance, Medicare supplement, travel medical insurance, and long-term care insurance. It has been in business for over 45 years and repeatedly honored as one of the Top 100 California Agents Award. To aide in the treatment of children with cancer, the company has donated thousands of dollars to the Emilio Nares Foundation.

License Verified:

License: 0A99992

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 (18)
Facebook
5.0 / 5 (7)
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

Website
1310 East Valley Parkway, Escondido, CA 92027
  • Life Insurance
  • Health Insurance

Why choose this provider?

Khasim Insurance Agency has been serving Escondido since 2007. It offers term life insurance policies that provide financial security to beneficiaries in the event of an untimely death. The agency also covers insurance products for commercial vehicles, general liability, and workers' compensation. Its staff can speak Spanish, which allows it to serve the insurance needs of the Hispanic market. From its location in Escondido, it has expanded its services to several areas, such as San Marcos, Vista, and Oceanside.

License Verified:

License: 0E86361

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 (23)
Facebook
5.0 / 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

Website
1530 South Escondido Boulevard, Escondido, CA 92025
  • Life Insurance

Why choose this provider?

Kebo Insurance Agency is a company that has been providing life insurance to individuals, families, and companies in Escondido and nearby areas since 1975. It also offers other products, such as health, dental, and vision insurance plans, as well as pension plans. It started as a small agency that primarily carried Blue Cross products. Currently, it represents over 40 insurance carriers, including Covered California, Health Net, and Kaiser Permanente. Keith Beier, its president and founder, helps choose the right plan based on the clients' needs.

License Verified:

License: 0707170

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

Website
1307 Stratford Court, Del Mar, CA 92014
  • Life Insurance
  • Health Insurance

Why choose this provider?

Lutz Insurance Services is an independent insurance agency that offers insurance services in Escondido and its surrounding areas. The company offers individual life insurance such as term and whole policies. In addition, Lutz Insurance Services also provides various insurance types including homeowners', individual health, auto, motorcycle, renters', and flood insurance. Furthermore, it offers services for businesses such as group health insurance, group life insurance, and self-storage insurance. The company is led by Stephen and Lisa Lutz, a husband and wife duo of insurance professionals.

License Verified:

License: 0F37549

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6119 La Granada, Rancho Santa Fe, CA 92091
  • Life Insurance

Why choose this provider?

CA Insurance Now is a boutique insurance and financial services agency that caters to customers in Escondido and the surrounding areas. The agency specializes in a broad variety of insurance products, including life, auto, and home insurance. Its life insurance policies cover multiple areas, including advance planning, estate probate, estate settlement process, and obituary planning. John E. Pollard is the associate general agent of CA Insurance Now, which represents the American National Insurance of Rancho Santa Fe.

License Verified:

License: 0G32840

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 (36)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9921 Carmel Mountain Rd San Diego, CA 92129, San Diego, CA 92129
  • Life Insurance
  • Health Insurance

Why choose this provider?

Broker Solutions is an insurance service provider that addresses client concerns from individuals and families in Escondido and its surrounding areas. It offers life, health, and medicare insurance assistance. Its life insurance options include term, whole, and universal. The differences between these three heavily depend on the time period and premium flexibility. Previous clients of the agency note its CEO, Ed Feast's commitment to thoroughly explain the process and every option's differences. Broker Solutions accepts in-home appointments.

License Verified:

License: 6005078

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
13240 Evening Creek Drive South, San Diego, CA 92128
  • Life Insurance

Why choose this provider?

Terri Yurek Insurance is a life insurance company that serves families, individuals, and businesses in the Escondido area. It protects clients from unexpected occurrences in the future by giving them carefully designed policies that will suit their needs and goals. Clients can choose between term and permanent life insurance coverage. The company also offers coverage for disability and employee benefits. It has been operating since 2004. Its main goal is to cater to the needs of its clients by following high standard ethics and practices.

License Verified:

License: 0I27736

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 (28)
Facebook
4.8 / 5 (9)
Yelp
5.0 / 5 (8)

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

  • Are life insurance proceeds taxable in Escondido?

    Life insurance payouts in Escondido are not subject to state income taxes but may be taxable on the federal level, depending on the situation. If the policyholder initiates the policy and the payout goes to their estate, it is exempt from federal income tax. However, if the policy was initiated by someone else, and the beneficiary receives the payout, any portion exceeding the total premiums paid may be subject to federal income tax.

  • Can you extend your term life insurance policy in Escondido?

    Yes, you can extend your term life insurance policy in Escondido through a feature known as renewability. Thus, when your initial term expires, you can continue the coverage for an additional term without a new medical examination. However, when you choose to extend the policy, the premiums you pay for the extended term will be higher.

  • What is the free look period for life insurance policies in Escondido?

    The free look period for life insurance policies in Escondido is a designated timeframe stated in your policy contract. This period allows you to cancel your policy within a certain duration without incurring any penalties and receive a refund of the initial premium you paid. This period lasts around 30 days, although it can be as short as 10 days, depending on your insurance provider.

  • What is the difference between a named beneficiary and a contingent beneficiary in Escondido?

    In an Escondido life insurance policy, the primary beneficiary is the first recipient of assets when you pass away. However, you can choose more than one primary beneficiary and define how the assets should be divided among them. On the other hand, a contingent beneficiary is the backup recipient who inherits the assets if the primary beneficiary or beneficiaries are no longer available due to death or inability to be located.

  • What happens if a beneficiary cannot be located in Escondido?

    When you cannot locate a beneficiary in Escondido after an insured's death, their inheritance is held by the county controller or collector, depending on the county, with some exceptions. If the beneficiary cannot be located for five years, the court can be petitioned to declare them deceased. The property will become part of the beneficiary's estate and will be distributed according to their will, if available.

  • 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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