Expertise.com

2024

Last updated:

Best Life Insurance Companies in Indio

Our Recommended Top 16

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 Indio 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.

3892Reviewed

2341Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
78000 Fred Waring Drive, Palm Desert, CA 92211
  • Life Insurance

Why choose this provider?

Motz-Rusin Insurance Agency is a family-run independent insurance firm serving Indio, the rest of California, and nine other states. It offers insurance products from carriers such as Safeco, Travelers, and MetLife. The firm provides investment and protection policies for life insurance with universal, term, and whole life coverages. Insurance plans for vehicles, residential and commercial properties, business owners, and renters are also available. Motz-Rusin Insurance Agency has over six decades of experience. It has received recognition from the Greater Coachella Valley Chamber of Commerce.

License Verified:

License: 0M26924

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
Facebook
4.0 / 5 (28)

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
51025 Avenue Mendoza, La Quinta, CA 92253
  • Life Insurance
  • Health Insurance

Why choose this provider?

La Quinta Insurance Services is an insurance company that has been providing its services to clients in Indio and the surrounding areas since 1965. It educates clients of the insurance industry and its benefits to help them make better decisions. It offers a wide variety of insurance products such as personal, business, or life and health insurance. Its personal insurance products include homeowners, auto, renters, and recreational vehicles. Additionally, its life insurance may either be group or individual. La Quinta Insurance Services is led by its president Don Barneson.

License Verified:

License: 0601149

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
73241 Highway 111 Ste 2B, Palm Desert, CA 92260
  • Life Insurance
  • Health Insurance

Why choose this provider?

Melanie Villenueve is a local insurance agent serving the Indio area. She helps with life, health, car, home, property, and pet insurance. Her team is focused on building relationships with customers and paying attention to their needs. Appointments after office hours can be made, and communication lines are open 24/7. Policyholders can also have their coverage modified when they enter a different stage in life. Villenueve has more than 24 years of experience in the insurance and finance industry.

License Verified:

License: 0C12563

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
Yelp
4.5 / 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
42335 Washington Street, Palm Desert, CA 92211
  • Life Insurance
  • Health Insurance

Why choose this provider?

Janelle Cyrus is a second-generation insurance agent with State Farm, serving clients in the Indio area for more than 18 years. She offers life and health insurance products, as well as coverage for pets. Policies for auto, home, and other personal properties are available. She also assists with business-related risk management solutions. Additionally, her team provides services related to banking, mutual funds, and annuities. Janelle is fluent in both English and Spanish.

License Verified:

License: 6003761

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 (51)
Facebook
5.0 / 5 (10)

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
82-674 Hwy 111, Indio, CA 92201
  • Life Insurance
  • Health Insurance

Why choose this provider?

Desert Oasis Insurance & Services is an independent agency that serves the residents within the Indio metro area. The company provides life insurance options including term, permanent, whole, viatical settlements, mortgage protection, and universal plans. With a combined experience of 26 years, its staff members educate their clients on coverage options and offer them suitable insurance for themselves and their families. Desert Oasis Insurance & Services also provides insurance for home, auto, commercial auto, commercial, and registration.

License Verified:

License: 0L97368

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 (18)
Facebook
5.0 / 5 (4)
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
73413 Terraza Drive, Palm Desert, CA 92260
  • Life Insurance
  • Health Insurance

Why choose this provider?

Rosten Insurance Agency is an independently owned business that serves clients in the Indio area. It offers several types of life insurance policies, including term life and permanent life insurance that cover funeral expenses, lost income, and debts. It also offers other types of insurance products that include car, home, health, and business insurance. To offer a wide range of insurance coverage options for clients, it has partnered with several insurance carriers, including Travelers and Hartford. The agency has been serving the Coachella Valley area since 1986.

License Verified:

License: 0704099

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
5.0 / 5 (3)
Facebook
4.0 / 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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
36917 Cook Street, Palm Desert, CA 92211
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ascend Insurance Agency is a life insurance firm serving clients in Indio. It provides a wide range of life insurance options, such as term, whole, and universal. Other insurance packages that the company offers are for vehicles, disabilities, homeowners, and dental needs. Its team of agents is led by Dennis VanBuskirk, an experienced insurance professional who is well-versed in handling the insurance needs of businesses and individuals. Some of the companies that Ascend Insurance Agency represents are MetLife and Markel.

License Verified:

License: 0F44130

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.
3.7
Google
4.0 / 5 (8)
Yelp
3.0 / 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

Website
190 West Amado Road, Palm Springs, CA 92262
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bill Proctor & Associates Insurance Services, Inc., is an independent insurance agency that has offices in Palm Springs and Yucca Valley. It also caters to individuals and businesses in Indio and the nearby areas. This firm offers term, whole, and universal life insurance policies. Furthermore, it also provides auto, business, health, and home insurance products. Bill Proctor & Associates Insurance Services works with a number of insurance carriers, such as Aetna, Ameritas, Blue Cross Blue Shield, and MetLife.

License Verified:

License: 0H78623

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
Yelp
4.0 / 5 (6)
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
71-780 San Jacinto Drive, Rancho Mirage, CA 92270
  • Life Insurance
  • Health Insurance
  • Individual Plans

Why choose this provider?

Packer Insurance Services is a Rancho Mirage-based company that provides insurance products and services to families and individuals in the Indio metro. It is an independent insurance agency that works with various carriers, including Safeco Insurance, Mercury Insurance, Kemper, and Chubb. Packer Insurance Services helps clients in purchasing life insurance plans as well as health and homeowners insurance. Additionally, it offers flood, earthquake, auto, classic car, and watercraft insurance. Packer Insurance Services has been providing insurance solutions for nearly 33 years.

License Verified:

License: 0725856

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
51625 Desert Club Drive, La Quinta, CA 92253
  • Health Insurance

Why choose this provider?

Desert Insurance Solutions is an independent insurance agency that serves clients in Indio and nearby areas. It represents various insurance companies, including Blue Shield of California, CNA, Hagerty, and Liberty Mutual. It offers life insurance plans as well as dental, disability, long-term care, and Medicare Supplements insurance policies. Auto, rental property, and umbrella insurance are also available. Carrie Babij, one of its co-owners, worked for 20 years at Brown and Brown Private Client Group and Wells Fargo prior to establishing Desert Insurance Solutions.

License Verified:

License: 0I18139

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
Google
5.0 / 5 (12)
Facebook
5.0 / 5 (10)
Yelp
4.5 / 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

Website
81557 Doctor Carreon Boulevard Ste B-8, Indio, CA 92201
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mel's Insurance Services Inc. is an independent insurance agency in Indio that provides personalized insurance coverage for clients in the metro. The firm is led by Mellisa Amador Williams, a licensed insurance advisor that specializes in personal insurance lines. It offers life insurance products such as term life and whole life insurance policies. It also offers Medicare, burial insurance, and individual health plans. Mel's Insurance Services has bilingual customer service staff and brokers that cater to Spanish-speaking clients.

License Verified:

License: 0L69692

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)

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
49/499 Eisenhower Drive, La Quinta, CA 92253
  • Life Insurance

Why choose this provider?

Rancho Santa Fe Insurance operating from Indio offers personal, health, and life coverages. As an independent broker, it offers insurance portfolios with the most comprehensive coverages but with competitive premiums. The company works with top insurance companies such as Chubb, AIG Private Client Group, Pure Insurance, Nationwide Private Client, and Cincinnati Insurance Company to support their products and services. Owner Craig A. Edwards has been running the company for the past 30 years. He personally advises clients and conducts annual evaluations of industry-standard premiums and coverages.

License Verified:

License: 0786755

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
75030 Gerald Ford Drive, Palm Desert, CA 92211
  • Health Insurance

Why choose this provider?

HUB is a full-service insurance agency catering to Indio residents' insurance needs since 1925. It offers a wide range of personal insurance, such as auto, homeowners, and condo. In addition, it carries life insurance policies for high net worth individuals. These policies offer various benefits more than just income protection. HUB's agents serve clients in various industries, such as agribusiness, healthcare, and real estate. They also support businesses in managing cyber and strategic risks and recovering from disasters and crises.

License Verified:

License: 0757776

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

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
1555 South Palm Canyon Drive, Palm Springs, CA 92264
  • Life Insurance
  • Health Insurance

Why choose this provider?

Weingarten and Hough Insurance Agents and Brokers is a third-generation family-run insurance agency that has been in the industry since 1934, serving customers in Indio, Palm Springs, and nearby locations. Its insurance agents provide life insurance solutions to ensure financial stability and safety for individuals and businesses. They have different life insurance products, including key person, second-to-die policy, mortgage protection, and long-term care insurance plans. Other products are workers' compensation, bonds, and home and auto insurance.

License Verified:

License: 0086542

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 (32)
Yelp
3.0 / 5 (7)

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
39725 Garand Lane, Palm Desert, CA 92211
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Collective Insurance Solutions, LLC, is an office that offers personal and business insurance solutions for customers residing in Indio and nearby locations. Its insurance professionals educate its clients regarding the different options and coverages that can meet their situations. They provide whole life insurance plans that have savings and insurance components. These can also pay for final expenses in the event of the policyholder's death. Additionally, these accumulate cash funds. The company's other products are health, auto, homeowners', and commercial insurance plans.

License Verified:

License: 0E80381

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 (9)
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
77734 Country Club Drive, Palm Desert, CA 92211
  • Health Insurance
  • Individual Plans

Why choose this provider?

Health Insurance Network is a general insurance agency providing an array of services to clients in Indio. It offers products such as life insurance, dental insurance, vision insurance, travel insurance, and group insurance. The company’s agents also assist with Medicare supplements, Medicare Advantage Plans, Part D plans, and drug plans. Health Insurance Network has over 30 years of professional experience in the industry, delivering insurance products and services to individuals, groups, and businesses.

License Verified:

License: 0763655

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
––

FAQs

  • Is it possible to utilize the cash value of your Indio life insurance policy as leverage for a loan?

    Yes, you may utilize the cash value of your Indio life insurance plan as security for a loan. It may be necessary to repay the loan amount and any interest accumulated in order to prevent a possible reduction in the death benefit or cancellation of the policy. Failure to pay back the loan could have an effect on the life insurance policy's ability to provide long-term financial security.

  • Can the legality of a life insurance policy in Indio be challenged if its beneficiary are nowhere to be found?

    When the beneficiary cannot be found, it may be possible to question the legality of a life insurance policy in Indio. This could happen when there are questions about the insured person's intentions or the policy documentation's veracity. Contesting a life insurance policy typically entails legal action and sufficient proof of the claim.

  • What are the typical issues with collecting life insurance benefits in Indio?

    Conflicts between several beneficiaries, delays brought on by inadequate documentation, and issues regarding the policy's legality or the identification of the beneficiary are some of the frequent obstacles in claiming life insurance payouts in Indio. To successfully handle these hurdles, it is imperative to be proactive and well-prepared.

  • Are you allowed to change the beneficiary of your life insurance policy in Indio?

    As long as you designated the beneficiary as a revocable recipient, you are permitted to change the beneficiary of your life insurance policy in Indio. If you designated your beneficiary as an irrevocable recipient, any modifications will require their signature. Any cause may be used to change the beneficiary of your life insurance policy.

  • Can Indio residents who have survived cancer purchase life insurance?

    Yes, Indio residents who have survived cancer are allowed to purchase life insurance. The specifics of the survivor's health will dictate the type of life insurance they are eligible for and the coverage they can obtain. The likelihood that they will experience fewer limitations decreases with the length of time they have spent in recovery.

  • 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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