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Best Life Insurance Companies in Folsom

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2023
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​​Arrow Pacific Insurance Services logo
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License Verified:

License: 0G66668

California Department of Insurance

​​Arrow Pacific Insurance Services

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2795 East Bidwell Street, Folsom, CA 95630
  • Health Insurance

Business Description

Located in Folsom, Arrow Pacific Insurance Services offers personal and business insurance to locals and clients in the nearby states of Nevada, Arizona, and Texas. The company handles term life insurance applicable for 10 to 30 years. Its team of experts also accommodates individuals who do not meet the age and health criteria set by other life insurance agencies. Arrow Pacific Insurance Service is a family-run business with expertise in handling insurance plans for small and medium-sized organizations.

License Verified:

License: 0G66668

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
Facebook
5.0 / 5 (12)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Barragan Insurance Agency logo

License Verified:

License: 0E27354

California Department of Insurance

Barragan Insurance Agency

1132 Suncast Lane, El Dorado Hills, CA 95762
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Barragan Insurance Agency is an insurance company that serves clients in the Folsom area. It offers various types of life insurance policies, which include term life, whole life, permanent life, and universal life. In addition, the company also offers homeowner, business, disability, and travel insurance. It evaluates clients' qualifications and navigates through the list of products available to find the coverage that works best for them. Barragan Insurance works with individuals aged 18 to 85 years old.

License Verified:

License: 0E27354

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
Bozzuto & Company Insurance Svcs, Inc. logo

License Verified:

License: 0C77495

California Department of Insurance

Bozzuto & Company Insurance Svcs, Inc.

9300 Madison Avenue, Orangevale, CA 95662
  • Life Insurance

Business Description

Bozzuto & Company Insurance Services, Inc., is a life insurance firm that has been serving clients in the Folsom area, as well as several cities from various regions in the US since 1981. The company strives to care for its customers like family, helping them find the appropriate plans that best suit their personal and business insurance needs. In addition, the insurance firm has assisted thousands of customers who have been patronizing its services for more than 20 years.

License Verified:

License: 0C77495

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
Facebook
5.0 / 5 (16)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cal Interstate Insurance Services logo
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License Verified:

License: 0G26034

California Department of Insurance

Cal Interstate Insurance Services

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193 Blue Ravine Road, Folsom, CA 95630
  • Life Insurance
  • Health Insurance

Business Description

Cal Interstate Insurance Services is a full-service life insurance agency serving clients in Folsom and its surrounding areas. The firm provides a wide range of life insurance options, such as term, whole, and universal. It also offers various coverage options to secure its clients in case of an unexpected event. Moreover, it has a vast selection of other products, like health, commercial, and personal insurance plans. The agency has been providing its services to the community since 2000.

License Verified:

License: 0G26034

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 (21)

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
Cornerstone Insurance Services, Inc. logo
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License Verified:

License: 0K56763

California Department of Insurance

Cornerstone Insurance Services, Inc.

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13405 Folsom Boulevard, Folsom, CA 95630
  • Life Insurance
  • Health Insurance

Business Description

Cornerstone Insurance Services, Inc., is a company that caters to self-employed individuals and small business owners in and around Folsom. It offers universal, indexed universal, term, and whole life insurance programs, which may be used to cover estate taxes, living expenses, outstanding loans, mortgage payments, and college education. It also provides health insurance plans, including medical, dental, and vision insurance. Its agents craft employee benefit programs that include group health insurance and legal protection. It is led by Dina Collins, an insurance broker since 1989.

License Verified:

License: 0K56763

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Davies Insurance Agency logo
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Davies Insurance Agency

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101 Parkshore Drive, Folsom, CA 95630
  • Life Insurance
  • Health Insurance

Business Description

Based in Folsom, Davies Insurance Agency works to meet the insurance needs of families and businesses in the area. It offers life insurance products that aim to financially protect families and loved ones in the event of death. The agency provides both term life insurance and whole life insurance to its clients. Other insurance products include auto insurance, health insurance, mobile home insurance, and homeowners' insurance. Additionally, Davies Insurance Agency offers commercial property insurance and small business 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
Yelp
5.0 / 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
Dr. Aaron Williams logo
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License Verified:

License: 0M91383

California Department of Insurance

Dr. Aaron Williams

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231 Blue Ravine Road, Folsom, CA 95630
  • Life Insurance
  • Health Insurance

Business Description

Aaron Williams is a State Farm insurance agent based in Folsom. He helps customers protect the important people and things in their lives through different insurance options such as life, car, home, and renters' insurance. He also assists with business and pet insurance, as well as banking needs. Aaron is a former business consultant whose mission is to see his clients' growth through his help and make the insurance process quick and easy for them.

License Verified:

License: 0M91383

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 (40)

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
Foothills Regional Insurance & Financial Solutions logo
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License Verified:

License: 0G56679

California Department of Insurance

Foothills Regional Insurance & Financial Solutions

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1104 Bevinger Drive, El Dorado Hills, CA 95762
  • Life Insurance

Business Description

Foothills Regional Insurance & Financial Solutions is a professional management and consulting firm that serves residential and commercial clients in Folsom and the nearby areas. It offers a wide array of financial planning and insurance consultancy services, including life and individual health insurance, disability coverage, and long-term care insurance. The firm's owner and founder, David A. Williamson, is a professional investment advisor and insurance agent with over seven years of experience in the insurance industry.

License Verified:

License: 0G56679

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
Jeremy Barkhurst logo
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License Verified:

License: 6002945

California Department of Insurance

Jeremy Barkhurst

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989 Governor Drive, El Dorado Hills, CA 95762
  • Life Insurance
  • Health Insurance

Business Description

Jeremy Barkhurst is a life insurance agent who has been serving the Folsom metro and nearby areas for over 25 years. He has been working with State Farm Insurance since 1994, catering to small businesses, families, and individuals in the community. Jeremy offers life insurance, home insurance, auto insurance, and health insurance policies to his clientele. He also provides motorcycle, boat, RV, renters', flood, earthquake, and personal articles insurance policies and programs.

License Verified:

License: 6002945

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
Google
4.0 / 5 (41)
Facebook
5.0 / 5 (10)
Yelp
4.0 / 5 (7)
L.L. Moore Insurance Solutions logo

License Verified:

License: 0A81261

California Department of Insurance

L.L. Moore Insurance Solutions

P.O. Box 250, Folsom, CA 95763
  • Life Insurance

Business Description

L.L. Moore Insurance Solutions has been providing life insurance assistance in Folsom for over 20 years. Owner Laurie Moore partners with several insurance carriers to score coverages that can address the life insurance needs of individuals and families. Moore and her team provide customers with plan options and quotes that can help them to avoid financial distress in the future. Other insurance products include dental, disability, health, and vision plans. The company is committed to delivering services that will give complete satisfaction to its clients.

License Verified:

License: 0A81261

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 (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
––
Lucid Insurance Services logo

License Verified:

License: 0B22754

California Department of Insurance

Lucid Insurance Services

101 Parkshore Drive, Folsom, CA 95630
  • Life Insurance
  • Health Insurance
  • Group Plans

Business Description

Lucid Insurance Services is an agency located in Folsom that lends its expertise to families and companies. It provides life, health, critical illness, and funeral insurances. Its agents also attend to clients with concerns or inquiries over Medicare plans. The agency also provides business insurance solutions. Some of the carriers it partners with include Humana, Cigna, Blue Shield, and Kaiser Permanente. Lucid Insurance Services has been rendering service to its clients for over 15 years.

License Verified:

License: 0B22754

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)
Sacco & Sacco Insurance Brokers LLC logo
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License Verified:

License: 0E52072

California Department of Insurance

Sacco & Sacco Insurance Brokers LLC

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101 Parkshore Drive, Folsom, CA 95630
  • Life Insurance
  • Health Insurance

Business Description

Sacco & Sacco Insurance Brokers LLC is an insurance agency that caters to clients in Folsom and the surrounding areas. It offers employee benefits, which include basic and supplemental life insurance policies as well as accident and disability insurance plans. Additional benefits such as healthcare, workers' compensation, and tuition reimbursement program are also covered. Sacco & Sacco Insurance Brokers represents various carriers, including Liberty Mutual, The Hartford, and UnitedHealthcare. This firm has been in the business for over 20 years.

License Verified:

License: 0E52072

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Shaun Morrison logo
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License Verified:

License: 0H42988

California Department of Insurance

Shaun Morrison

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4944 Windplay Drive, El Dorado Hills, CA 95762
  • Life Insurance
  • Health Insurance

Business Description

Shaun Morrison is a State Farm insurance agent who services the needs of Folsom residents and families. Morrison specializes in helping clients find life insurance policies that best match their specific needs. These policies include term, whole, and universal life insurance. He also offers clients coverage for auto, homeowners, renters, and business insurance. Morrison has more than 11 years of State Farm experience. He is passionate about helping people and working together to ensure they get adequate coverage and a high level of understanding.

License Verified:

License: 0H42988

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
Google
4.5 / 5 (24)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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.