Expertise.com

2024

Last updated:

Best Life Insurance Companies in Ontario

Our Recommended Top 14

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 Ontario 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.

7596Reviewed

4563Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9647 Golden Street, Rancho Cucamonga, CA 91737
WebsiteLicense: 0I95670

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

GB Insur is run by George Baddour, an insurance agent who offers plans to individuals, families, and businesses. He caters to clients within Ontario and nearby areas. The life insurance policies that he covers are final expense, mortgage protection, term, and whole life plans. He also handles disability insurance under the life insurance plan. Baddour's other coverage includes Medicare, advantage plans, and Part D prescription drug plans. He is affiliated with Kaiser, Bluecross, and Health Net.

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433 North 2nd Avenue, Upland, CA 91786
WebsiteLicense: 0548760

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Why choose this provider?

For over 60 years, Brownwell, Williams & Fix Insurance & Bond Agency, Inc., has been offering personalized life insurance products to individuals and families in Ontario. Its team of agents holds more than 130 years of combined experience in insurance and surety bond. They are committed to providing clients with competitive quotes for insurance policies that match their unique needs and budget. Clients can choose from whole, universal, variable, or term life insurance plans. The firm also specializes in auto, business, homeowners', and health insurance.

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2990 Inland Empire Boulevard, Ontario, CA 91764
WebsiteLicense: 6003827

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Google
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Policycoach is an insurance agency that has been serving clients in Ontario and other areas. With its knowledge and expertise in the industry, insurance coaches will provide advice and consultation in asset protection. It also provides risk management solutions to businesses and individuals. The agency offers a wide range of insurance products such as homeowners, condo and renters, life, automobile, and workers' compensation. Its life insurance policies will protect dependents in case of the client's death.

  • Life Insurance

123 North Grove Avenue, Ontario, CA 91764
WebsiteLicense: 0B03792

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Google
5.0 (1)

Why choose this provider?

Jrod Insurance Agency writes life insurance policies for clients in the Ontario metro. It has a variety of life insurance coverages including term, permanent, whole, guaranteed, graded, and indexed universal. It also offers coverage that requires no medical examinations. Other insurance products are also available. With two decades in the insurance industry, it is able to shop around for plans that suit each client's needs. Jrod Insurance Agency is committed to designing a solution and building a trusting relationship with its clients.

  • Life Insurance

3633 Inland Empire Boulevard, Ontario, CA 91764
WebsiteLicense: 0G50078

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Yelp
5.0 (8)

Why choose this provider?

Integrity Independent Financial & Insurance Services is a full-service financial and risk management firm founded in 2008. It provides financial plans designed for individuals, businesses, and couples in the Ontario community and its surrounding areas. The company's services include life insurance, group and individual health insurance, homeowners insurance, auto insurance, and disability income insurance. It also offers financial planning services such as retirement plans, estate plans, money purchasing plans, and profit-sharing plans.

  • Life Insurance

140 North Benson Avenue, Upland, CA 91786
WebsiteLicense: 0E14648

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Review Sources

Google
4.0 (776)
Facebook
5.0 (140)

Why choose this provider?

Sumner Insurance Services is a full-service insurance brokerage serving the Ontario metro. It helps individuals in obtaining life insurance plans tailored to their specific needs. The business offers whole, term, survivorship, variable, and universal life insurance policies. These insurance plans may cover the clients' outstanding debts and support the financial needs of their families. Its insurance agents also provide business, auto, and home insurance services. Summer Insurance Services has been in the business since 1991 and has produced more than 75,000 insurance policies.

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124 East F Street, Ontario, CA 91764
WebsiteLicense: 0E70912

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Facebook
4.0 (5)
Yelp
5.0 (2)
Google
1.0 (1)

Why choose this provider?

California Security Insurance Services is a full-service life insurance company serving clients in Ontario. The professionals from this company aim to help clients secure their loved ones' future by providing personalized life insurance coverage. These coverages help clients pay for final expenses such as hospitalization and medical bills, funeral and burial costs, and mortgage debts. Additional products include health, disability, dental, and vision insurance. Moreover, the company represents multiple carriers, including Arrowhead, Victoria, Foremost, Alliance United, and National General.

  • Life Insurance
  • Health Insurance

2133 North Towne Avenue, Pomona, CA 91767
WebsiteLicense: 0714726

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Review Sources

Yelp
4.0 (3)

Why choose this provider?

Califa Financial and Insurance Service Inc. is an insurance agency serving individuals, families, and businesses in the Ontario area. It provides life, auto, commercial, health, and homeowners' insurance. The team of professionals at this firm assesses clients' specific needs and finds carriers that can provide them with suitable coverage. Some of the companies that Califa Financial and Insurance Service Inc. represents are Access General, Safeco Insurance, Travelers, and Foremost Insurance.

  • Life Insurance
  • Health Insurance

2990 Inland Empire Boulevard, Ontario, CA 91764
WebsiteLicense: 6003827

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

PolicyCoach is an insurance agency that handles the needs of individuals, families, and businesses in Ontario. The agency specializes in life, automobile, homeowners, condo, boat, motorcycle, RV, and ATV insurance. It also offers commercial, high net worth, restaurant, and contractors insurance. The agency's insurance coaches work with clients to evaluate their current insurance plans, identify their needs, tailor their insurance playbook, and execute the plans. PolicyCoach considers efficiency, clarity, and value as its main principles.

  • Life Insurance

3281 East Guasti Road, Ontario, CA 91761
WebsiteLicense: 6004830

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Review Sources

Google
5.0 (26)
Facebook
5.0 (3)

Why choose this provider?

RF Insurance Services is an agency that provides life insurance services in Ontario. To meet every family's financial stability goals, its agents offer whole, term, and universal life policy plans. Additionally, automobile, home, BOP, workers' compensation, special events, and pet healthcare packages are available. RF Insurance Services has in its employ professionals with over 50 years of combined experience in the insurance industry. They strive to deliver straightforward and customized solutions to find the right coverage for every protection requirement.

  • Life Insurance

1435 South Grove Avenue, Ontario, CA 91761
WebsiteLicense: 0F17015

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Review Sources

Yelp
4.0 (11)
Google
3.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Tri-Con Insurance Services is an independent insurance agency that serves clients in Ontario and its surrounding communities. The agency's insurance products range from individual life and homeowners insurance to recreational vehicle and motorcycle insurance. In addition, it offers insurance products related to life insurance such as burial, final expenses, and life settlement insurance. Its insurance professionals take a one-on-one approach when working with clients to ensure that they understand the available choice of insurance carriers and policies that suit their needs.

  • Life Insurance

4650 Arrow Highway, Montclair, CA 91763
WebsiteLicense: 0B80556

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Craig Mauk is a State Farm life insurance agent that provides services to Ontario and the surrounding areas. He caters to individuals who want to financially protect their loved ones during accidents and sudden death by several insurance products. These include auto, home, business, property, and health insurance. Additionally, Mauk has worked as a claim representative in State Farm before becoming an insurance agent in 1999. He is also a recipient of the Golden Triangle Award.

  • Life Insurance
  • Health Insurance

555 North Benson Avenue, Upland, CA 91786
WebsiteLicense: 0C60206

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Why choose this provider?

AIM Inc. is an insurance brokerage in Upland that serves clients in the Ontario metro. The company was founded by Harry Anand, an insurance professional with over 28 years of industry experience. It specializes in both whole life and universal life policies and offers products such as accidental death riders, children's riders, waiver of premium riders, and disability income riders. AIM also offers policies for protecting homes and home investments through its mortgage protection insurance.

  • Life Insurance

12447 Central Avenue, Chino, CA 91710

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

The Life Insurance Pro is a Chino-based life insurance agency that serves clients in Ontario and the surrounding areas. It specifically offers temporary and permanent life insurance policies, which can be term, guaranteed universal life, index universal life, whole life, accidental, or survivor life insurance. As an independent agency, The Life Insurance Pro can provide multiple quotes from top insurance companies, such as American National, Foresters Financial, National Life Group, Prudential, and Pacific Life Insurance Company.

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FAQs

  • How long do insurers process life insurance policy claims in Ontario?

    Life insurance agencies in Ontario evaluate the claims within 90 days and provide a written decision or a notice of extending the period. If they need another 90 days to decide, they are required to present the reasons for the delay, like unresolved issues and the claimant's failure to submit additional information. On the other hand, life insurance companies analyze claims involving benefits based on disability within 45 days and another 30 days if they need more time.

  • Who can waive their life insurance premiums in Ontario?

    In Ontario, employees with life insurance policies can waive their premiums if they become disabled before they turn 65 years old. However, this is not automatically granted as the insurers have to evaluate the claim, which involves checking if the employees met the definition of disability on their contract. Additionally, qualified applicants have to wait 180 days for the waiver of premium to take effect.

  • How much does the California Life and Health Insurance Guarantee Association provide for life insurance coverage in Ontario?

    The California Life and Health Insurance Guarantee Association provides 80% of cash surrender but no more than $100,000 and 80% of death benefits not exceeding $300,000 for life insurance coverage in Ontario. On the other hand, the office offers 80% of the present value of benefits for annuities and structured settlement annuities, including net cash surrender value and withdrawal of no more than $250,000.

  • Can an individual in Ontario terminate their universal life insurance plan?

    Yes, individuals in Ontario can cancel their universal life insurance policies and obtain a cash payment from the surrender value. The surrender value depends on the policy contract minus the outstanding loans or involved fees. It is tax-deferred and can be paid in a periodic arrangement or a lump sum. However, the surrender value of universal life insurance policies is subject to income tax if the policyholder acquires more cash value than the total premiums paid.

  • How long is the contestability period in Ontario?

    According to California Insurance Code 10113.5, the contestability period takes two years in Ontario. During this time, life insurance companies evaluate the claim and raise any disputes for withheld details, like the applicant's dangerous hobbies and pre-existing medical conditions. This investigation protects the companies from paying more than they would have and provides accurate premium costs. Additionally, beneficiaries can file a life insurance claim during the contestability period.

  • 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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