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Best Life Insurance Companies in Hemet

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Aloha Village Insurance Services logo
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License Verified:

License: 0F34260

California Department of Insurance

Aloha Village Insurance Services

629 East Florida Avenue, Hemet, CA 92543
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  • Life Insurance
  • Health Insurance

Business Description

Established in 1978, Aloha Village Insurance Services is an independent insurance agency that serves clients in Hemet. The family-owned and family-operated local business offers an array of personal insurance options, including life insurance, health insurance, and homeowners insurance as well as personal umbrella insurance. It also provides auto insurance and policies that are tailored fit for collector vehicles. Additionally, the agency provides extensive commercial insurance coverage, including workers' compensation, property insurance, and comprehensive general liability.

License Verified:

License: 0F34260

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.
4.8
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
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Detail
Chris Waterman logo
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License Verified:

License: 0C24041

California Department of Insurance

Chris Waterman

760 West Acacia Avenue, Hemet, CA 92543
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  • Life Insurance
  • Health Insurance

Business Description

Chris Waterman is a State Farm insurance agent offering a range of insurance coverage and options for clients in Hemet and neighboring communities, including life insurance, health insurance, and home insurance as well as property and business insurance. Waterman has been with State Farm since 2002, and he is a recipient of the Chairman's Circle Award and Silver Scroll Award. Additionally, he is a Chamber of Commerce member and a previous Salvation Army board member.

License Verified:

License: 0C24041

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
Google
4.9 / 5 (40)
Yelp
4.0 / 5 (9)

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
Insurance Advisors logo
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Insurance Advisors

28039 Scott Road, Murrieta, CA 92563
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  • Life Insurance
  • Health Insurance

Business Description

Insurance Advisors is an independent insurance agency serving the Hemet area. The firm is licensed to offer health and life insurance in California since 1996, providing protection for clients' whole lives and designing and implementing executive and employee plan services for companies. The firm also offers extensive dental, vision, and health insurance. Its team of insurance agents is prepared to provide objective information to consumers and small business owners, assist clients in filing claims and setting up policies to protect client assets as well as prepare their future health.

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
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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.

Who should buy supplemental health insurance?

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.

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