Expertise.com

2024

Last updated:

Best Life Insurance Companies in California

Our Recommended Top 12

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 California 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.

1754303Reviewed

1052586Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
California
  • Health Insurance
  • Life Insurance

Why choose this provider?

California Life Insurance Agency provides financial security to individuals and families in California in the event that policyholders die unexpectedly. The independent agency offers whole and term life insurance policies through partnerships with Boston Mutual, Security National Life Insurance, American National, Mutual of Omaha, and National Life Group just to name a few. In keeping with its mission of providing financial security to the community, the company seeks to build long-term relationships with clients based on trust and loyalty. California Life Insurance began operations in 2017.

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 (29)
Facebook
5.0 / 5 (24)

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
California
  • Life Insurance

Why choose this provider?

TRC Financial strives to protect the wealth and preserve the legacies of clients in California through life insurance, investment options, and benefit plans. It has products that include trust-owned, investment-oriented, and foreign-national life insurance. It offers key person long-term care plans, business cash management, and excess disability plans. Its staff utilizes an analytical approach to review and value a policy or portfolio. Darren Gallaway, the principal member, is a Chartered Financial Consultant and a Chartered Life Underwriter. TRC Financial has been in business since 2003.

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

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
California
  • Life Insurance

Why choose this provider?

Tony Melena Insurance Agency serves people in and around California. It helps them prepare for life’s uncertainties and secure the future of their loved ones through life insurance policies. It also offers Medicare, home, auto, and commercial insurance plans. Some of the company's partner carriers are Ameritas, Foremost, Liberty Mutual, and Kemper. It has been helping individuals, families, and businesses with their insurance needs since 2016. Its founder, Tony Melena, is an active member of the local community.

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
4.9 / 5 (18)

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
California
  • Life Insurance

Why choose this provider?

Lumen Insurance Solutions, Inc. offers financial coverage for the long-term domestic affairs of clients in California through its selection of comprehensive plans. Its life insurance policies are tailored according to specifications made by clients regarding the management of their personal and business endeavors in preparation for a family member's passing. Its team is headed by Shann Hogue, who previously worked for an online health insurance firm and a boutique agency. She is part of the National Association of Insurance and Financial Advisors in Fresno.

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 (24)
Facebook
5.0 / 5 (2)

Website
California
  • Life Insurance

Why choose this provider?

Bright Lotus Insurance Agency helps California residents prepare for the unknown and protect their families' future. Its team of agents works with multiple carriers to create life insurance policies such as final expense, universal option, and term or whole life. They personalize services by assessing insurance needs, creating budget-friendly plans, and providing solutions to protect coverage gaps. In addition, these agents strive to build relationships by constantly communicating with clients and assisting them in renewing their policies.

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 (15)

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
California
  • Life Insurance
  • Health Insurance

Why choose this provider?

Valley Wide Ag Insurance Services, Inc., offers life insurance to clients across California. It covers a part of medical fees if the client meets with an accident and gives a certain amount of money to the beneficiary in case of death. Donna, one of its advisors, has been licensed as a life-only agent in 2014, with a specialization in property insurance policies. The agency has been protecting lives, farms, businesses, and personal assets since 1995.

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 (16)
Google
5.0 / 5 (1)
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
California
  • Long Term Care
  • Life Insurance

Why choose this provider?

Harp Insurance Services caters to clients throughout California. The company provides life policies. It guides individuals on matters involving annuities and retirement accounts. The company offers other personal insurance products, including dental, Medicare Supplement, earthquake, and flood policies. It also helps business owners protect against financial risk through a range of insurance solutions, from workers' compensation to business liability plans. One of its agents, Cindy Harp, has been in the industry for more than 25 years. She has a background in software testing.

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

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
California
  • Health Insurance
  • Life Insurance

Why choose this provider?

The Rios Insurance Agency has been serving clients in California since 2020. It offers a variety of personal insurance products, such as life coverage, to help families prepare for life's unforeseen events. Its specialists underwrite term, whole, or universal life policies, depending on clients' individual circumstances and needs. There are also protection plans available for businesses and niche markets, like contractors, technology, restaurants, and nonprofits. The agency has access to more than 40 carriers, including Nationwide, MetLife, Progressive, and Encompass.

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 (123)
Facebook
4.8 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
California
  • Individual Plans

Why choose this provider?

Elite is an insurance agency that has been serving individuals and families in California since 2001. It assists clients in finding life insurance policies that suit their needs and keep them and their dependents financially secure. As a local provider, it aims to make it convenient for prospective customers to get policies and settle claims when needed. The agency also caters to other insurance needs by offering policies for vehicle owners, businesses, renters, and special event organizers.

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
4.9 / 5 (96)
Facebook
4.9 / 5 (81)
Yelp
5.0 / 5 (17)

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
California
  • Market Place

Why choose this provider?

Sandhu Bros Insurance Agency, Inc., provides clients in California with different types of protection plans. One of the company's products is life insurance, with options of term, whole, and universal life insurance coverages. Health, home, and auto policies are also available. It extends its services to meet the insurance needs of business owners, providing them with coverage for legal liability, property damage, and employee-related risks. The agency started in 2015. It works alongside multiple carriers to present different options to clients.

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
4.5 / 5 (39)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
California
  • Life Insurance
  • Health Insurance

Why choose this provider?

Clifford & Bradford Insurance Agency serves clients across California. It advises businesses aiming to provide life insurance policies for their employees. The agency sets up Reward On Insurance, a program that allows firms to customize their policies and reclaim unused premiums. It also offers plans that cover costs from workers' compensation expenses. Nick Bradford, one of its producers, has more than two decades of experience in the financial service sector. He is the president of the non-profit organization Clifford and Bradford Athletic Foundation.

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
Facebook
4.8 / 5 (25)
Google
2.8 / 5 (6)
Yelp
2.5 / 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
California
  • Life Insurance

Why choose this provider?

Storz Insurance Services, Inc. offers a variety of health and life insurance plans in California. The family-operated company specializes in serving the insurance needs of small businesses with 50 employees or fewer. Its agents recommend individual and group life plans from carriers like Metlife, John Hancock, and The Standard. They tailor benefits packages that match the client's specific needs. Their different insurance options also cover vision, dental, disability, and long-term care. Company founder Oly Storz has been working in the insurance industry since 1967.

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 (11)
Yelp
4.5 / 5 (9)
Google
4.3 / 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

FAQs

  • 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.

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