Expertise.com
Get Listed

Best Life Insurance Companies in Modesto

2023

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Life Insurance Companies FAQs 〉

Last updated:

Website
3061 College Green Drive, Merced, CA 95348
  • Life Insurance
  • Health Insurance

Why choose this provider?

Executive Edge Insurance is an insurance solutions specialist catering to the needs of Modesto residents and nearby communities. The independent insurance agency offers life insurance policies that can protect the children, spouses, parents, and other dependents of its clients and provide financial stability. The firm shops for the right life coverage among multiple providers depending on their client's requirements. Executive Edge Insurance also offers health, auto, home, and business insurance. Past clients commended the firm for its proactive approach with dealings.

License Verified:

License: 0F37811

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.
3.8
Google
4.0 / 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
822 9th St Ste 1, Modesto, CA 95354

Why choose this provider?

The Source Auto Insurance is an independent agency located in Modesto but provides insurance services throughout the state of California via phone or online. They are appointed through various insurance companies to compare and guarantee the lowest rates in Auto, Home, Commercial Auto and other products. Their office also offers DMV services to the public which facilitates the process of renewing your registration, transferring a title and other services.

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
Yelp
5.0 / 5 (10)
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
1718 Main St, Escalon, CA 95320

Why choose this provider?

Cromwell & Ney Insurance Agency Inc. is a locally owned insurance agency whose independence allows it to find life and health insurance policies from multiple carriers instead of being restricted to one. The agency partners some of the biggest carriers in the nation, including Transamerica and Liberty Mutual. Its policies are suitable for anyone leaving a financial legacy for their loved ones, concerned about their long-term health, or worried about losing their income.

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
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
Modesto, CA 95355
  • Life Insurance
  • Health Insurance

Why choose this provider?

George Beach Insurance Services, LLC, is a family-owned and family-operated agency serving the Modesto metro. Catering to individuals and families, the independent company offers life insurance products which include term and whole coverages. It aims to protect policyholders and their families from financial losses caused by debts and funeral expenses in case of an unexpected death. Its agents also provide other personal policies, such as health and pet insurance. George Beach Insurance Services also serves clients in Nevada, Arizona, and Oregon.

License Verified:

License: 0647169

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 (48)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
213 S Sierra Ave, Oakdale, CA 95361

Why choose this provider?

Teacher's Pension is an independent agency that specializes in providing financial advice and support to school district employees, including support staff, teachers, and administrators. Its services include arranging life insurance policies that cover various scenarios, from critical injuries and chronic illnesses to experiencing a disability or requiring long-term care at home. The licensed agency also specializes in helping its clients plan for their retirement with a variety of flexible plans.

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
4.5 / 5 (8)

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
1416 Mitchell Rd., Suite B, Modesto, CA 95351
  • Life Insurance
  • Health Insurance

Why choose this provider?

Claudia Anguiano is an insurance professional with State Farm. She caters to individuals, families, and businesses in Modesto and the surrounding areas. Included in her line of products are different types of life insurance, including term, universal, and whole life. She also helps customers draft commercial auto, condominium, health, property, and personal articles insurance policies. Anguiano holds a bachelor's degree in Business Administration. She also speaks Spanish, allowing her to serve a broader range of clients.

License Verified:

License: 0K62623

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
4.9 / 5 (145)
Facebook
5.0 / 5 (27)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4317 North Star Way, Suite B, Modesto, CA 95356
  • Life Insurance

Why choose this provider?

Nicholson Insurance, Inc., is a locally owned and operated company serving the Modesto metro. It caters to families and individuals, helping them obtain personal and business lines of insurance. The independent company offers life insurance plans which include individual and group, disability, long-term care, mortgage protection, and key person coverages. It aims to protect policyholders from financial losses caused by estate taxes and debts. Nicholson Insurance gives back to the community by supporting organizations, including the Modesto Chamber of Commerce and Del Rio Country Club.

License Verified:

License: 0498116

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3540 Oakdale Rd Ste A1, Modesto, CA 95357

Why choose this provider?

Golden Oak Insurance Services is an independent insurance agency founded in 2006, with offices in Modesto and Beaverton, Oregon, serving their surrounding communities. The agency partners major carriers, such as Progressive and Travelers, enabling it to offer a variety of life and health insurance products to suit every type of need, such as retirees building college funds for their grandkids and low-income clients and over-65s getting Medicare assistance. The agency also offers vehicle, property, and business insurance products.

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
4.6 / 5 (9)
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
600 E Main St, Turlock, CA 95380

Why choose this provider?

For more than 50 years, Western Valley Insurance has specialized in selling life and health insurance throughout the Modesto metro area from offices in Turlock, Los Banos, and Crescent City. The company's agents aren't tied to a single carrier, which allows them to find the best policies for their clients from 30+ of the biggest insurance companies in the U.S. The agency's policies cover a range of needs, such as supplements for Medicare, mortgage protection, and funeral expenses.

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 (18)
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
1133 N. Carpenter Rd. #2, Modesto, CA 95351
  • Life Insurance

Why choose this provider?

Got It All Insurance Agency offers life insurance to the locals of Modesto. The family-owned agency's other insurance services include auto, pet, health, business, renter, and homeowners. It also has commercial auto insurance and workers' compensation. The company has 24/7 emergency assistance and unlimited restoration service. Johnny Garcia, one of the owners of the agency, has been working in the industry for over a decade. He is a current board member for the Central Valley Hispanic Chamber of Commerce.

License Verified:

License: 0E95308

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
Facebook
4.9 / 5 (25)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2851 Geer Rd Ste F, Turlock, CA 95382

Why choose this provider?

Tom Michael Insurance is an independent insurance broker with offices in Modesto and Turlock that specializes in selling and servicing a full range of personal and commercial insurance policies. The agency offers life and health insurance for individuals, covering everything from paying off mortgages and other debts to covering the costs of minor and major medical treatments, including long-term home care. Additionally, the company's agents sell a range of insurance policies for employees, employers, and homeowners.

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
4.6 / 5 (14)

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
142 North 9th Street, Modesto, CA 95350
  • Life Insurance

Why choose this provider?

Royal Lion Insurance Agency is a family-owned business assisting English and Spanish-speaking clients in Modesto. It offers life insurance products to individuals who want to achieve financial security for their family's future. Whether it's for policy renewal or customization, its team helps clients make well-informed decisions by combing through the insurance marketplace. It partners with multiple insurance carriers, including Hartford, Progressive, and Liberty Mutual, as an independent agency. Auto, transportation, and special event insurance coverages are also available.

License Verified:

License: 0L07362

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.
4.3

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
817 Coffee Rd Ste C2, Modesto, CA 95355

Why choose this provider?

TD Gingerich Insurance Solutions Inc. is a life insurance agency in Modesto. The agency's financial advisers offer various services, such as calculating the client's coverage requirements, explaining the pros and cons of different life insurance policies, and finding the best policies from a wide range of carriers. The agency also specializes in health insurance, from polices that supplement Medicare payments to those that pay out if the policyholder becomes permanently disabled.

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 (4)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
100 Laurel Ave, Oakdale, CA 95361

Why choose this provider?

Stewart Kriese Insurance Agency Inc. is a locally owned and operated business serving the Modesto area's residents and businesses. It's an independent agency whose brokers have access to a wide range of life and health insurance products offered by leading insurance companies, such as American Reliable and the Capital Insurance Group. The products cater to every requirement, from seniors who want to generate an income in retirement to clients looking for an affordable way to cover medical expenses.

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
4.8 / 5 (5)

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
1210 Third Street, Atwater, CA 95301
  • Life Insurance
  • Health Insurance

Why choose this provider?

Peace & Grace Insurance Services is a team of independent agents that assists Modesto residents in several areas, including life insurance. Permanent life and term life policies are the two kinds of protection plans they craft. The risk management professionals have access to coverage options from carriers like Transamerica, Prudential, and Assurity, allowing them to find policies that will match their clients' needs. Peace & Grace Insurance Services is headed by Anna Davis, who began her insurance career in 2001.

License Verified:

License: 0D54262

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
Facebook
5.0 / 5 (45)
Google
5.0 / 5 (35)

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
4213 Dale Road, Modesto, CA 95356
  • Life Insurance
  • Health Insurance

Why choose this provider?

Debra Webb is a State Farm insurance agent who serves the Modesto area. She has been offering term, whole, and universal life insurance policies to people who want to guarantee their future. Smaller businesses can also purchase the policies for a number of reasons, including business continuity, key personnel, employee perks, and critical employee incentives. Customers can file a life insurance claim over the phone or online. Webb and her colleagues also provide vehicle, health, and pet insurance.

License Verified:

License: 0B91282

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.
4.3
Google
4.0 / 5 (8)
Facebook
5.0 / 5 (3)
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
801 Geer Road, Turlock, CA 95380
  • Life Insurance

Why choose this provider?

Since its establishment in 1989, GDI Insurance Agency, Inc., has been delivering insurance and risk management solutions to clients in Modesto. By providing life insurance policies, the company assists individuals and families in protecting their loved ones financially. Its independent insurance agents provide term life and permanent life coverage from multiple providers. The team also assists clients in selecting the right insurance plan that can adequately cover future financial obligations. Other services include employee benefits, group captive programs, and other personal insurance plans.

License Verified:

License: 0D01900

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 (54)
Facebook
4.0 / 5 (40)

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
3501 Coffee Road Suite 1A, Modesto, CA 95355
  • Life Insurance
  • Health Insurance

Why choose this provider?

Toste & Associates Insurance Services provides an array of personal products to individuals and families in the Modesto metro. It offers life insurance plans to protect customers from financial losses caused by mortgages, unexpected death, and other debts. The agency also deals with health, homeowners', car, motorcycle, and RV insurance. Its agents also serve business owners who want to obtain commercial policies like cyber liability and workers' compensation insurance. Agency president Ozzie Toste has been in the insurance industry since 1989.

License Verified:

License: 0I56011

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
Facebook
4.9 / 5 (47)
Google
4.1 / 5 (15)
Yelp
4.6 / 5 (8)

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
909 15th St Ste 4, Modesto, CA 95354

Why choose this provider?

Tammy R. Borba Certified Insurance Professional is a specialized health insurance company in Modesto with more than 35 years of experience serving the surrounding communities. Ms. Borba is a California Certified Insurance Agent and certified CIP and CSA who specializes in advising individuals, groups, and businesses on various health insurance policies, including MediCal enrollment, Medicare supplements, and long-term care insurance. The financial agent operates during normal business hours, Mondays to Thursdays.

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 (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
Back to top

Frequently Asked Questions

  • How can you determine the cost of life insurance in Modesto?

    To determine the cost of life insurance in Modesto, the underwriting process must be done. Insurance carriers will assess the risks that might be faced by the applicants. The life insurance premiums are based on whether they choose term, whole, and universal insurance, as well as their gender and age.

  • In Modesto, can policyholders change their life insurance beneficiaries to someone other than their spouses or children?

    Yes, policyholders in Modesto can change their life insurance beneficiaries even if they are already married. Most insurance companies in California allow policyholders to change their beneficiaries anytime. The benefits spouses, children, and other beneficiaries will receive upon policyholders' death depend on coverage type and how much premiums were paid.

  • In Modesto, will your spouse still be your life insurance beneficiary after your divorce?

    No, your ex-spouse will not be your life insurance beneficiary anymore after your divorce in Modesto. In California, non-probate assets, which include life insurance policies, are automatically revoked upon divorce. Other non-probate assets include qualified and non-qualified retirement plans, checking and savings accounts, mutual funds, annuities, and certificates of deposit.

  • What should you consider when purchasing life insurance in Modesto?

    When purchasing life insurance in Modesto, you must acquire a policy 7 to 10 times your annual income. You should also determine how much debt will your loved ones have to pay in case you pass away. In addition, you must determine how much money you need to support your family's expenses in the future.

  • Do you need to undergo medical examinations before getting life insurance in Modesto?

    Most of the time, carriers in Modesto require applicants to undergo medical examinations before getting life insurance to make sure that their health status is good. Their insurance rates depend on their health condition. If the results are not very favorable, then they might pay higher premiums or their application can be denied.

  • 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.

Back to top