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2024

Last updated:

Best Life Insurance Companies in Rancho Cucamonga

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 Rancho Cucamonga 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.

7774

Reviewed

4670

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
9340 Base Line Road, Rancho Cucamonga, CA 91701
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cornerstone is a personal and commercial insurance agency that serves clients in Rancho Cucamonga and the surrounding areas. It offers life, health, home, auto, and recreational vehicle insurance plans. It also provides farm and ranch insurance, commercial auto insurance, landlord liability insurance, business liability insurance, cyber liability insurance, and group health insurance. Cornerstone's CEO, Phil Hakopian, has been in the insurance industry since 1988. He is also a member of the Western Insurance Agents Association.

License Verified:

License: 0E72638

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
Yelp
5.0 / 5 (10)

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
9033 Base Line Road, Rancho Cucamonga, CA 91730
  • Life Insurance

Why choose this provider?

Founded in 2008, Abril Insurance Agency offers level term life, decreasing term life, and whole life insurance policies to clients in and around Rancho Cucamonga. It also offers several types of personal insurance programs such as home, condo, mobile home, RV, motorcycle, and boat insurance. The agency customizes contractor, business liability, and workers' compensation insurance solutions. Its team, led by Randy Abril, crafts individual and group health insurance options, as well as long-term care insurance, that suit clients' needs.

License Verified:

License: 0G03857

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 (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
8429 White Oak Avenue, Rancho Cucamonga, CA 91730
  • Life Insurance
  • Health Insurance

Why choose this provider?

Western Pacific Insurance Services is a life insurance company that serves clients in Rancho Cucamonga. The firm provides whole, universal, and term life insurance to ensure security for its clients' loved ones. Aside from life insurance, the company also offers insurance for vehicles, homes, and vacant properties. The firm's team of insurance professionals is led by Karen Molina, who has been in the industry since 2004. Western Pacific has partnered with major insurance carriers such as Foremost Insurance Group and American Modern.

License Verified:

License: 0F60667

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
3.0 / 5 (3)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9431 Haven Avenue, Rancho Cucamonga, CA 91730
  • Life Insurance

Why choose this provider?

RSR Insurance Services, Inc., serves the insurance needs of individuals, families, and businesses in Rancho Cucamonga and the surrounding communities. Its agents have a total experience of more than 50 years. It carries life insurance plans that can be customized, giving clients the option to control their life insurance. Additionally, it provides commercial insurance plans like general liability, workers’ compensation, business owner’s policy, professional liability, and commercial auto insurance. Moreover, it also offers products for tractor-trailers to dump trucks.

License Verified:

License: 0K68296

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 (23)

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
9431 Haven Avenue, Rancho Cucamonga, CA 91730
  • Life Insurance

Why choose this provider?

Latino Services Network, Inc. is a multi-service provider company that offers a range of insurance solutions for individuals and businesses in Rancho Cucamonga. Its team of insurance agents can speak both Spanish and English, capable of catering to the life insurance needs of individuals and families. In addition, the team also has appropriate insurance coverage for business, auto, homeowners', and commercial. Latino Services Network is also available to render immigration, registration, notary, and property management services.

License Verified:

License: 6004939

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 (8)
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
8570 Utica Avenue, Rancho Cucamonga, CA 91730
  • Life Insurance
  • Health Insurance

Why choose this provider?

For 30 years, Winston & Associates Insurance Brokers, Inc., has served the insurance needs of individuals, families, and businesses in Rancho Cucamonga and the surrounding communities. It carries life insurance plans, such as individual life insurance (annual renewable term, level term life, and whole life), group life insurance, second-to-die policies, and key person insurance. The company was established in 1991 by Alan Winston, who has been working in the insurance industry since 1978.

License Verified:

License: 0A91014

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 (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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3333 Concours Street, Ontario, CA 91764
  • Life Insurance
  • Health Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Founded in 1993, Hanasab Insurance Services is an insurance brokerage business that serves the Rancho Cucamonga area and the surrounding communities. With access to several leading carriers, the company provides a spectrum of insurance products, ranging from business insurance to personal insurance for individuals and families. A diversity of life insurance options is offered, including term life, universal life, whole life, and joint and survivorship life. Additionally, key person life insurance is also available for small businesses.

License Verified:

License: 0E08574

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
Yelp
3.5 / 5 (3)
Google
3.0 / 5 (2)
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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2990 Inland Empire Boulevard, Ontario, CA 91764
  • Life Insurance

Why choose this provider?

Located in Ontario, PolicyCoach is an insurance service company that serves Rancho Cucamonga and its neighboring areas. It comprises a team of insurance coaches with extensive knowledge and experience in various types of insurance products. Among the insurance policies that they offer include life insurance. Its team assists clients in selecting the right level of coverage for their life insurance needs. Furthermore, PolicyCoach provides insurance billing and payment services as well as policy changes and document requests.

License Verified:

License: 6003827

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 (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
10700 Jersey Boulevard, Rancho Cucamonga, CA 91730
  • Life Insurance
  • Health Insurance

Why choose this provider?

Based in Rancho Cucamonga, Daevon Parks provides life insurance products to individuals and families throughout Southern California. With more than a decade of experience in the customer service and management industry, he aims to impact people's lives positively. As an insurance agent, he assists clients in selecting life insurance policies that match their unique needs and premium budget. In addition, he participates in local community outreach activities and volunteering opportunities. Parks is an agent for StateFarm, a nationwide insurance, investment, and financial services company.

License Verified:

License: 0N01701

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 (23)
Yelp
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

Website
9647 Golden Street, Rancho Cucamonga, CA 91737
  • Life Insurance
  • Health Insurance

Why choose this provider?

Independent agency GBinsur, owned by George Baddour, provides life and health insurance options to the residents of Rancho Cucamonga and the surrounding areas. Clients can choose from several life insurance solutions: term life, whole life, disability insurance, and mortgage protection policies. It also provides health coverages, including dental and vision, individual and family, and group medical plans. Senior citizens can also consult with the company if they want to get additional coverage beyond their original Medicare policies.

License Verified:

License: 0I95670

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 (2)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
PO Box 2235, Rancho Cucamonga, CA 91729
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

American Advantage Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses in Rancho Cucamonga and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life plans such as term life, whole life, group life, and long-term care insurance. Additionally, it provides coverage options for uninsured & underinsured motorists, specialty autos, collision, liability, and roadside assistance. Agency owner Brandon Griffith has been in the insurance industry since the 1990s.

License Verified:

License: 0F95123

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 (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
10606 Trademark Parkway North, Rancho Cucamonga, CA 91730
  • Life Insurance

Why choose this provider?

Morgan & Franz is a woman-owned insurance agency based in Rancho Cucamonga. It provides benefit programs to families, individuals, and businesses that are personalized to their specific needs. It specializes in life insurance options that come in term life and permanent life categories. The agency offers an exclusive product called Benefit Advantage that provides businesses and their employees a customized health care coverage package without sacrificing benefits. Morgan & Franz also provides insurance options that cover medical, dental, vision, and disability.

License Verified:

License: 0B33249

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 (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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
9431 Haven Avenue, Rancho Cucamonga, CA 91730
  • Life Insurance
  • Health Insurance

Why choose this provider?

Journey Financial Group, Inc., is a company that offers financial and insurance services to clients in Rancho Cucamonga and the surrounding areas. It is owned by Chad J. Coco, whose previous career was in mortgage banking. The company has a range of services, one of which is offering products like life insurance, home insurance, auto insurance, and business insurance. It can also provide financial and estate planning services, as well as give advice on mortgages.

License Verified:

License: 0K48140

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 (11)
Yelp
5.0 / 5 (7)
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

Website
7965 Vineyard Ave f12, Rancho Cucamonga, CA 91730
  • Life Insurance
  • Health Insurance

Why choose this provider?

Capitol Hill Insurance has been in the insurance brokerage business since 1998. It helps families in Rancho Cucamonga and nearby cities shop for insurance products, including life insurance plans. In addition, its offerings encompass auto, home, health, aircraft, boat, and motorcycle insurance. Its agents write policies that protect businesses, including workers' compensation, error and omission, commercial auto insurance, and contract bonds. Capitol Hill Insurance has experience working with diverse industries like hospitality, retail, finance, and nonprofit.

License Verified:

License: 0M21701

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
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Is it possible to cancel a new insurance policy and get it refunded in Rancho Cucamonga?

    Yes. The California Insurance Code Section 10127.9 allows new policyholders of individual life insurance a free look period of 10 to 30 days from the date of policy receipt. For policyholders aged 65 years or above, the free look period should be a minimum of 30 days. During this period, the new Rancho Cucamonga policyholder can return the policy for cancellation. The whole policy shall be voided, and paid premiums are to be refunded within 30 days.

  • Aside from funeral expenses, what else should you consider when setting your life insurance policy limits in Rancho Cucamonga?

    In addition to relieving your dependents of the funeral costs, you can consider covering debts that you may leave behind, such as your mortgage. Also, account for estate and death taxes that may be required in Rancho Cucamonga. If you are married with kids, think about your spouse’s earning potential and how much extra funds they will need to continue supporting the family's current lifestyle. You can also consider an inheritance for your children.

  • Will your life insurance policy be included in the probate process after you pass away in Rancho Cucamonga?

    If your policy has no beneficiaries or your listed beneficiaries have all predeceased you, your death benefits will go to your estate and undergo the probate process in Rancho Cucamonga. On the other hand, if your policy has listed living beneficiaries, your death benefits will be paid directly to them tax-free and will not be part of probate. It is advised that you list multiple beneficiaries and keep their contact details updated so that your policy is exempted from probate.

  • What happens to your life insurance policy in Rancho Cucamonga if you forget to pay a premium?

    Insurance companies in Rancho Cucamonga would usually send the policyholder a notification of the overdue payment and indicate a grace period. This grace period should be no less than 60 days, as required under California Insurance Code section 10113.71. If you fail to settle the unpaid premium within the grace period, your policy might get canceled. The insurer should send you a notice a minimum of 30 days before the cancellation.

  • If your Rancho Cucamonga insurance company closes business, will the California Life & Health Insurance Guarantee Association pay your beneficiaries the full death benefit amount on your policy?

    The Guarantee Association will only cover 80% of your death benefit up to $300,000. If you decide to surrender your policy, it will cover 80% of your net cash surrender and withdrawal values up to $100,000. So if the death benefit limit on your Rancho Cucamonga insurance is $300,000, your beneficiaries will only be paid $240,000 after your death. If your surrender values total $150,000, the Association will only pay $100,000, even if 80% of the value is $120,000.

  • 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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