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Best Life Insurance Companies in Menifee

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2023
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Boomers Insurance Services logo

License Verified:

License: 0G56768

California Department of Insurance

Boomers Insurance Services

28093 Bradley Road, Menifee, CA 92586
  • Health Insurance

Business Description

Boomers Insurance Services is an independent insurance agency that serves the Menifee area. Its primary goal is to help baby boomers, who are born between 1946 and 1964, understand the Medicare process and determine their eligibility for the program. It has a team of insurance agents who are certified with most Medicare plans. They explain the purposes of Medicare Parts A, B, C, and D and the differences between original or traditional Medicare, Medicare Advantage Plans, and Medicare Supplement Insurance.

License Verified:

License: 0G56768

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 (7)
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
Hannoush Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0G61191

California Department of Insurance

Hannoush Insurance Agency

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28125 Bradley Road, Menifee, CA 92586
  • Life Insurance

Business Description

Hannoush Insurance Agency is a risk management company that serves individuals and businesses in the Menifee area. It offers various insurance solutions, from life, home, and flood to car protection plans. Furthermore, its team of agents also customizes policies for businesses, covering general and professional liability along with cyber insurance which can help safeguard clients from data breaches, identity theft, and online fraud. Hannoush Insurance Agency has been providing risk management solutions for over 10 years.

License Verified:

License: 0G61191

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 (19)
Facebook
5.0 / 5 (8)
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
Insurance Advisors logo
Visit WebsiteWebsite

License Verified:

License: 0B77835

California Department Of Insurance

Insurance Advisors

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

Business Description

Insurance Advisors is an independent agency that offers personal insurance products in Menifee. Working in partnership with different providers, its agents help clients find the right coverage for their needs and circumstances. Its agents manage life insurance policies for its customers, such as term life and permanent life insurance. It also offers different types of personal insurance plans including dental, vision, and health insurance. Medicare as well as Covered California is also offered by the agency. The company was established in 1996.

License Verified:

License: 0B77835

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 (30)
Facebook
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
JBL Insurance Services logo
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License Verified:

License: 0F10387

California Department of Insurance

JBL Insurance Services

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31682 Railroad Canyon Road, Canyon Lake, CA 92587
  • Life Insurance

Business Description

Located in Canyon Lake, JBL Insurance Services is an insurance agency that has been in the business since 2006. It also caters to clients in Menifee and the surrounding communities. It provides a wide range of insurance products, such as life, auto, boat, commercial, and home insurance policies. The team at JBL Insurance Services offers 23 years of combined experience in the industry. Ricardo Zerecero, the firm's president, is focused on guiding and educating his employees to better assist customers with their insurance needs.

License Verified:

License: 0F10387

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 (103)
Facebook
5.0 / 5 (37)
Yelp
4.0 / 5 (29)

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
McNeal and Associates Insurance and Financial Services logo

License Verified:

License: 0K72842

California Department of Insurance

McNeal and Associates Insurance and Financial Services

P.O. Box 870, Bloomington, CA
  • Life Insurance

Business Description

McNeal and Associates Insurance and Financial Services is a family-owned insurance agency that has been in the industry since 2008. It helps clients in the Menifee metro and the surrounding communities the importance of life insurance policies. It assists them in securing one that suits their needs, lifestyle, and financial goals. It also offers homeowners', renters', auto, motorcycle, and business insurance plans. Clients have commended McNeal and Associates for its hassle-free process and its agents' patience and professionalism.

License Verified:

License: 0K72842

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
Google
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
Pacific Crest Insurance logo
Visit WebsiteWebsite

License Verified:

License: 0F19634

California Department of Insurance

Pacific Crest Insurance

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28125 Bradley Road, Menifee, CA 92586
  • Life Insurance
  • Health Insurance

Business Description

Pacific Crest Insurance is an independent insurance agency in Menifee, serving individuals, families, and businesses. The business works with an extensive network of insurance companies, including Nationwide, Hartford, Safeco, Progressive, and Kemper Speciality. It helps clients protect their valuable assets and families with term life and whole life insurance policies. Its agents also aim to educate the clients on these policies' benefits, such as paying for final expenses and estate taxes and creating an inheritance for their heirs.

License Verified:

License: 0F19634

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
Facebook
4.4 / 5 (18)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rancho Cal Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0H64854

California Department of Insurance

Rancho Cal Insurance Services

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29930 Hunter Road, Murrieta, CA 92563
  • Life Insurance
  • Health Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Business Description

Rancho Cal Insurance Services has over a quarter-century of experience providing life insurance services in Menifee. The family-owned independent agency assists clients in obtaining term and permanent life insurance plans. Its agents conduct consultations to identify the type of coverage that suits the client's financial situation. They have access to national carriers providing personal insurance options, such as health and home insurance. Their business insurance programs include surety bonds and umbrella insurance coverage.

License Verified:

License: 0H64854

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 (31)
Facebook
5.0 / 5 (10)
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
Tracy Terraneau logo
Visit WebsiteWebsite

License Verified:

License: 0D48338

California Department of Insurance

Tracy Terraneau

Visit WebsiteWebsite
26010 McCall Boulevard, Menifee, CA 92586
  • Life Insurance

Business Description

Tracy Terraneau is an insurance agent associated with State Farm that has been serving Menifee and the surrounding communities since 2019. She offers several life insurance solutions, including term life, whole life, and universal life policies. Tracy also offers auto, home, health, and small business insurance coverage. Her team of advisers can assist English-speaking and Spanish-speaking clients. Outside of work, she volunteers in various foundations such as Feeding America and the Make a Difference Foundation.

License Verified:

License: 0D48338

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 (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

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.