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2024

Last updated:

Best Life Insurance Companies in Riverside

Our Recommended Top 18

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 Riverside 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.

13097

Reviewed

7865

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
14315 Corporate Way, Moreno Valley, CA 92553
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Insurance Professor is an independent insurance agency that provides insurance services to residents and businesses in Riverside and the surrounding communities. It represents multiple carriers that allow it to offer a variety of insurance packages. It carries life insurance plans like final expense insurance, return of premium term, whole life, indexed universal life, and term life insurance. Additionally, it provides health insurance and annuity packages for clients. The agency's founder, Earl Doucette, has served the insurance and retirement planning industry since 1987.

License Verified:

License: 0750509

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3740 Elizabeth Street, Riverside, CA 92506
  • Health Insurance

Why choose this provider?

For over 25 years, Ark Insurance Services, Inc. has been helping individuals and groups in Riverside and other nearby areas find the best insurance plan that suits their needs. It assists clients through the whole enrollment process and advises them on the benefits of their coverage. The company offers individual and family plans as well as small and large group plans. In addition, it also provides life, medical, dental, and vision products from over 15 insurance carriers.

License Verified:

License: 0702207

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 (3)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4843 Arlington Ave, Riverside, CA 92504

Why choose this provider?

DVBE Insurance & Financial Services LLC is a Riverside-based agency. Its services include helping individuals and small businesses manage risk with comprehensive health insurance coverage. The agency is independent, partnering all the major insurance carriers in the country. Its agents are free to provide impartial advice. Their products range from individual health insurance and Medicare advantage plans to employee benefits plans that can satisfy each policyholder's short-term and long-term goals.

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.
3.5
Yelp
3.5 / 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
11711 Sterling Ave Unit A, Riverside, CA 92503
  • Life Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Red Star Insurance Services caters to the people of Riverside. It provides personal lines of insurance, including term and permanent life coverage plans. It writes life policies designed to provide tax-free income to beneficiaries, pay final expenses or estate taxes, replace lost income upon death, and make charitable donations. Individual health and dental insurance are also available. The firm's agents help clients find the right coverage package from among the choices offered by its various carriers, including The Hartford, Allstate, and Berkshire Hathaway.

License Verified:

License: 0G81259

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6200 Pegasus Drive, Riverside, CA 92503
  • Life Insurance

Why choose this provider?

Located in Riverside, Jay Pogue Insurance is an independent insurance agency that provides insurance services to residents and businesses. It carries life insurance plans, such as level term, decreasing term, and whole life insurance. The professionals from this company help clients choose policies that fit their needs. Jay Pogue founded the agency in 1973. His son took over after his death and decided to sell the business to Steve Nichols in 2008.

License Verified:

License: 0B14292

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.
4.1
Google
4.0 / 5 (15)
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
9496 Magnolia Ave Suite #206A, Riverside, CA 92503
  • Life Insurance

Why choose this provider?

Founded in 2009, Unity Path Insurance is an agency serving clients in Riverside. It offers life insurance policies that provide coverages for the education of policyholders' children, outstanding debt, and supplemental earning in the event of an accident or serious illness. Its independent agents compare coverage options from a variety of insurance carriers. Unity Path Insurance aims to deliver a rewarding insurance purchasing experience to clients by providing risk management solutions tailored to their needs and financial circumstances.

License Verified:

License: 0L56441

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.
4.6
Google
4.5 / 5 (155)
Facebook
5.0 / 5 (22)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4166 Almond St, Riverside, CA 92501

Why choose this provider?

Riverside Insurance Agency Inc. is a life insurance company in Riverside that provides coverage for individuals and businesses throughout the area. Its licensed and experienced policy specialists help clients choose between term and whole or permanent life insurance policies to assist their families financially after they're gone. Riverside Insurance Agency Inc. works with several trusted carriers, including The Hartford, Progressive, and Liberty Mutual. Other products include health, auto, home, recreational vehicle, and business policies.

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 (22)

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
6370 Brockton Avenue, Riverside, CA 92506
  • Life Insurance

Why choose this provider?

Leivas Tax Wealth Management serves Riverside. The business offers life insurance products such as whole, indexed and variable universal, and level and premium term plans. Its other policies include disability and long-term care. It also helps clients pursue their short- and long-term financial goals through planning and provides traditional and alternative investment options to grow and preserve their wealth. The firm started as a small tax practice in 1957 before expanding to include other financial services.

License Verified:

License: 0E53226

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
6792 Magnolia Avenue, Riverside, CA 92506
  • Life Insurance

Why choose this provider?

The Gonzalez Agency is a business serving Riverside and surrounding communities. It offers term and whole insurance to individuals and families by partnering with multiple carriers to shop for tailored solutions. Auto and home insurance plans are also available. Moreover, the agency provides commercial insurance for a wide range of industries such as hospitality, real estate, churches, and manufacturing. Its owner, Manny Gonzalez, has been working in the insurance industry since 2007. He's available to address clients' concerns 24/7.

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 (13)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
3847 Pierce St Suite I, Riverside, CA 92503
  • Life Insurance
  • Health Insurance

Why choose this provider?

Patriot Insurance Services is a family-owned agency that has been serving clients in Riverside since 1992. It provides various personal lines of insurance, including life coverage plans. The firm's three insurance agents have more than 30 years of combined knowledge and experience writing life policies, both term and permanent types of coverage. Life premiums protect individuals and families for a short or long period, depending on their unique circumstances and financial goals.

License Verified:

License: 0770995

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 (4)
Facebook
5.0 / 5 (4)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3600 Lime St. Suite 311, Riverside, CA 92501
  • Life Insurance
  • Health Insurance

Why choose this provider?

RivCo Wealth Management is a financial advisory firm providing life insurance policies to clients in Riverside and the surrounding communities. Its life insurance coverage provides financial protection to clients' dependents. Health, long-term care, and disability insurance policies are also available. Other services include business consulting and investment, estate, retirement, and college planning services. The independent firm was established in 2014, and its co-founder, Damon M. Harris, has been in the financial services industry since 2002. He is a Chartered Retirement Planning Counselor.

License Verified:

License: 0E43088

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 (1)

Website
Rancho Cucamonga, CA

Why choose this provider?

K. Harrell Celebration Of Life & Insurance Services is a small and independent life insurance agency serving Riverside and the neighboring communities. The agency was founded by Kimberley Harrell, a senior insurance agent licensed to sell life insurance since 2007. Ms. Harrell can offer unbiased advice and a wide selection of policies offered by multiple insurance carriers. The policies cover everything from paying for the policyholder's funeral to gifting their wealth to loved ones when they die.

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

Website
6117 Brockton Avenue, Riverside, CA 92506
  • Life Insurance

Why choose this provider?

Willhite Insurance Agency Inc. is an independent insurance agency serving the Riverside area and throughout California. The company is also licensed to offer its services in Arizona, Illinois, Nevada, Tennessee, and Texas. Willhite Insurance Agency offers interested clients insurance coverage with automobile, homeowners', renters', life, and business insurance. The agents also provide their expertise to customers seeking insurance plans on BOP, agribusiness, workers' compensation, bonds, and general liability. The agency works with carriers like Travelers, Safeco Insurance, Metlife, Progressive, and Foremost Insurance Group.

License Verified:

License: 0G67923

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
Google
4.7 / 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
3501 Adams Street, Riverside, CA 92504
  • Life Insurance

Why choose this provider?

Preferred Insurance is an insurance agency that serves clients in Riverside and the surrounding areas. It offers life insurance for clients who have dependents that need financial assistance and security in the event of an unexpected death. It also specializes in providing other insurance plans, including homeowners' insurance, general liability, renters' insurance, and classic car insurance. Brothers Pierre and Patrick Nehme established the agency in 2002. It abides by the principles of honesty and reliability. Pierre serves as the company president.

License Verified:

License: 0F74474

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 (143)
Yelp
5.0 / 5 (32)
Facebook
5.0 / 5 (20)

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
5051 Canyon Crest Dr Ste 104, Riverside, CA 92507

Why choose this provider?

Founded in 1962, Canyon Crest Insurance Services, Inc., sells property, liability, auto, and work comp insurance in California, Arizona, and Nevada. Most of the agency's business comes from the commercial sector, but it also arranges personal lines Auto, Homeowners and Earthquake coverage. The majority of products are underwritten by some of the trusted carriers in the nation, such as Travelers, Mercury, and Safeco.

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
4.7 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
19442 Ray Avenue, Riverside, CA 92508
  • Life Insurance
  • Health Insurance

Why choose this provider?

Robert E. Dempster Agency assists clients residing in Riverside and the neighboring communities. The company offers life insurance plans from major providers such as Genworth Financial, American General, Lincoln National, and US Financial. It also offers health insurance and dental insurance plans. Clients can contact the company for quick-term quotes. The company assists clients with other financial services such as retirement plans, IRAs, and college savings plans. Company owner Robert E. Dempster has been working as an insurance agent since 1999.

License Verified:

License: 0C80436

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1766 University Ave Ste 104, Riverside, CA 92507

Why choose this provider?

Strong Tie Insurance is an independent life insurance agency in Riverside with over a dozen locations that's been serving clients throughout the area for over 20 years. Its licensed agents help individuals understand the coverage options and assist them with choosing between term life, whole life, and policies that blend both types. Strong Tie Insurance also offers health, auto, home, business, and workers' compensation policies. Services are available in English and Spanish.

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.
2.9
Yelp
2.5 / 5 (3)
Facebook
4.2 / 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
9590 Magnolia Avenue, Riverside, CA 92503
  • Life Insurance
  • Health Insurance

Why choose this provider?

Epitome Insurance Solutions is an independent insurance agency that provides insurance services to residents and businesses in Riverside and surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like universal life insurance, term life insurance, whole life insurance, simplified issue whole life insurance, guaranteed issue whole life insurance, and final expenses insurance. Additionally, it also provides auto, boat & watercraft, and homeowners’ insurance. It is owned by Theresa Culpepper, who is also an agent.

License Verified:

License: 0G44981

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.
4.1
Google
4.0 / 5 (30)
Yelp
4.0 / 5 (6)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • What are key life insurance regulations for Riverside residents in California?

    When purchasing life insurance in Riverside, several important rules govern coverage, one of which is that buyers have a 10-day free look period to cancel their policies without penalty. Insurers must settle claims within 30 days of receiving proof of death; otherwise, they must pay interest. There is a two-year contestable phase for investigating potential application discrepancies. In addition, if a premium is not paid, a 60-day grace period is required before penalties are imposed. Always review local regulations.

  • How do Riverside residents secure life insurance?

    There are three steps to obtaining life insurance in Riverside. Initially, a 30-minute at-home physical examination is performed, which checks height, weight, blood pressure, collects samples, and even includes an EKG. Individuals aged 71 and up receive more in-depth assessments. Then there is a 20-minute phone call to go over personal and medical histories. The culmination is underwriting, in which the insurer determines eligibility and premium costs.

  • Should Riverside residents modify their existing life insurance policies?

    In Riverside, while swapping current life insurance policies might seem enticing, especially when presented by eager agents, it demands meticulous scrutiny. Originating policies typically align with long-term financial strategies. Altering or substituting them can jumble these objectives. Always gauge personal, long-term interests and those you aim to safeguard. Evaluate any shifts in personal situations since your initial purchase. If alterations seem prudent, exercise caution and prioritize your financial well-being.

  • Do life insurance death benefits in Riverside account for inflation?

    Inflation could reduce a death benefit in Riverside, say $500,000 today, to an effective amount of $200,500 in 30 years. Therefore, before finalizing a policy, residents must inquire about built-in inflation adjustments with their agent. In addition, it is prudent to determine whether the coverage can be increased in the future as inflation erodes purchasing power. Make informed decisions to ensure the future financial security of your beneficiaries.

  • In Riverside, should residents prioritize purchasing life insurance for the main earner before considering policies for children or non-earning spouses?

    In Riverside, it is critical to first protect the primary breadwinner's income capacity with adequate life insurance. Only after ensuring this level of protection should policies for children or non-working partners be considered. While insuring children is sometimes a good idea, it should never replace the primary earner's coverage. Furthermore, in households with two incomes, both partners' earnings should be protected. Insurance for a nonworking spouse can help compensate for lost household services after their death.

  • 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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