Expertise.com

2024

Last updated:

Best Life Insurance Companies in Folsom

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Folsom Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3395Reviewed

2042Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

231 Blue Ravine Road, Folsom, CA 95630
WebsiteLicense: 0M91383

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

193 Blue Ravine Road, Folsom, CA 95630
WebsiteLicense: 0G26034

Expertise.com Rating

Review Sources

Google
4.0 (21)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

989 Governor Drive, El Dorado Hills, CA 95762
WebsiteLicense: 6002945

Expertise.com Rating

Review Sources

Google
4.0 (41)
Facebook
5.0 (10)
Yelp
4.0 (7)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

101 Parkshore Drive, Folsom, CA 95630
WebsiteLicense: 0E52072

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

4944 Windplay Drive, El Dorado Hills, CA 95762
WebsiteLicense: 0H42988

Expertise.com Rating

Review Sources

Google
4.5 (24)
Facebook
5.0 (2)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

P.O. Box 250, Folsom, CA 95763
WebsiteLicense: 0A81261

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

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.

  • Life Insurance

9300 Madison Avenue, Orangevale, CA 95662
WebsiteLicense: 0C77495

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

101 Parkshore Drive, Folsom, CA 95630

Expertise.com Rating

Review Sources

Yelp
5.0 (4)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

13405 Folsom Boulevard, Folsom, CA 95630
WebsiteLicense: 0K56763

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

1104 Bevinger Drive, El Dorado Hills, CA 95762
WebsiteLicense: 0G56679

Expertise.com Rating

Why choose this provider?

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.

  • Life Insurance

1132 Suncast Lane, El Dorado Hills, CA 95762
WebsiteLicense: 0E27354

Expertise.com Rating

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance
  • Individual Plans

101 Parkshore Drive, Folsom, CA 95630
WebsiteLicense: 0B22754

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance
  • Group Plans

2795 East Bidwell Street, Folsom, CA 95630
WebsiteLicense: 0G66668

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Yelp
3.0 (2)

Why choose this provider?

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.

  • Health Insurance

FAQs

  • How do you determine if you are a beneficiary of a life insurance policy in Folsom?

    You should contact the probate court in the city or district of the deceased individual to determine if you are a beneficiary of a life insurance policy. Access public records, including the person's will, which is typically available through probate court records. If your name is listed as a beneficiary in the will, you will need to communicate with the executor to initiate the process of claiming life insurance benefits in Folsom.

  • Is life insurance affordable for new parents in Folsom?

    Yes. Term life insurance, typically suitable for new parents in Folsom, can often be purchased for less than $20 a month if you're a healthy 30-year-old seeking coverage, such as a $250,000 20-year plan. It provides a financial safety net for your family, ensuring that your child is protected in case something were to happen to you.

  • Do you need to undergo a medical examination when applying for life insurance in Folsom?

    In most cases, yes. While some insurers offer policies without medical exams, they are not the standard practice. Typically, insurers in Folsom require a medical examination to assess your health and determine the level of risk associated with insuring you. This information helps determine your premium rates and coverage options.

  • What happens if your Folsom life insurance policy lapses due to missed premiums?

    If you fail to pay your premiums and your Folsom life insurance policy lapses, it becomes inactive. To regain coverage, you will need to reapply for life insurance through a new policy. However, you will likely face higher premiums, undergo underwriting again, and start a new contestability period. Concealing information on the new application and passing away during the first two years of the new policy could result in your beneficiaries losing out on the death benefit.

  • Is it possible for the life insurance policy owner in Folsom to designate a beneficiary other than their spouse or children?

    Yes. Irrespective of their marital status, a policy owner in Folsom holds the authority to change the designated beneficiary, replacing their spouse or children with another individual. Note that the effectiveness of these modifications depends on state regulations, with most life insurance policies being revocable, allowing the policy owner to change the beneficiary. On the other hand, some policies may appoint irrevocable beneficiaries, which means the beneficiary cannot be changed.

  • 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

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

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 ...