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2024

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Best Life Insurance Companies in Menifee, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Menifee 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.

3867Reviewed

2323Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

28125 Bradley Road, Menifee, CA 92586
WebsiteLicense: 0F19634

Expertise.com Rating

Review Sources

Facebook
4.4 (18)
Google
5.0 (6)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

28039 Scott Road, Murrieta, CA 92563
WebsiteLicense: 0B77835

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (4)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

26010 McCall Boulevard, Menifee, CA 92586
WebsiteLicense: 0D48338

Expertise.com Rating

Review Sources

Google
4.0 (15)

Why choose this provider?

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.

  • Life Insurance

28093 Bradley Road, Menifee, CA 92586
WebsiteLicense: 0G56768

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Health Insurance

P.O. Box 870, Bloomington, CA
WebsiteLicense: 0K72842

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

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.

  • Life Insurance

29930 Hunter Road, Murrieta, CA 92563
WebsiteLicense: 0H64854

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance
  • Term Life Insurance

31682 Railroad Canyon Road, Canyon Lake, CA 92587
WebsiteLicense: 0F10387

Expertise.com Rating

Review Sources

Google
4.0 (103)
Facebook
5.0 (37)
Yelp
4.0 (29)

Why choose this provider?

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.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Pacific Crest Insurance
28125 Bradley Road, Menifee, CA 92586
Insurance Advisors
28039 Scott Road, Murrieta, CA 92563
Tracy Terraneau
26010 McCall Boulevard, Menifee, CA 92586
Boomers Insurance Services
28093 Bradley Road, Menifee, CA 92586
McNeal and Associates Insurance and Financial Services
P.O. Box 870, Bloomington, CA
Rancho Cal Insurance Services
29930 Hunter Road, Murrieta, CA 92563
JBL Insurance Services
31682 Railroad Canyon Road, Canyon Lake, CA 92587

FAQs

  • How do age-related wellness incentives work with life insurance policies in Menifee?

    Menifee's life insurance policies come with incentives tied to age-related wellness, granting policyholders incentives as they grow older and maintain a healthy way of living. For instance, those who maintain a healthy weight and refrain from smoking might enjoy reduced monthly premiums or even receive policy discounts. This initiative aligns with the objective of providing individuals with opportunities for financial security through life insurance.

  • What are the steps in obtaining juvenile life insurance in Menifee?

    In Menifee, the initial stage in obtaining juvenile whole life insurance entails submitting an application on behalf of the minor. The policy will be under the ownership of the adult making the purchase until the insured juvenile attains legal age. Insurance providers will assess the child's medical history to determine eligibility and establish the risk category. The premium cost will be calculated based on the child's age, gender, and risk classification.

  • What is the average cost of life insurance for a 35-year-old Menifee resident who is healthy and does not smoke?

    The typical monthly life insurance premium for a healthy 35-year-old resident of Menifee who does not smoke falls within the range of approximately $17 to $55. Insurance providers consider several factors, including gender, risk factors, and living standards, when calculating premium rates. It is also important to note that life insurance costs can differ from state to state.

  • What are the two basic types of term insurance policies accessible to Menifee residents?

    Menifee residents can choose between two fundamental term insurance varieties: level term and decreasing term. Under a level-term insurance policy, the death benefit remains consistent for the entire policy duration. On the other hand, the death benefit gradually diminishes as the policy's term progresses in a decreasing-term insurance policy.

  • Do regulations exist that specifically address life insurance rates in Menifee, as well as other regions within California?

    California law prohibits insurance providers from engaging in discriminatory practices against Menifee applicants on the grounds of race, religion, or gender. However, insurers are permitted to consider factors such as age, health condition, and lifestyle when calculating premiums. Life insurance companies are also required to extend coverage to all applicants, irrespective of their health status. Higher premiums may apply to individuals with pre-existing medical conditions.

  • 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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