Expertise.com

Best Life Insurance Companies in San Bernardino

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Life Insurance Companies FAQs

Learn more
AASI logo
Visit WebsiteWebsite

License Verified:

License: 0L52081

California Department of Insurance

AASI

1020 Nevada Street, Redlands, CA 92374
Visit WebsiteWebsite
  • Life Insurance

Business Description

AASI is a life insurance company that services clients from San Bernardino. The agency provides life insurance policies with a wide range of coverages depending on the unique needs of clients. Aside from life insurance, the company also guides clients in filing their taxes and all the processes that come with it. The firm is well-versed in handling the needs of individuals and business owners. Bookkeeping, quarterly reviews, and financial planning services are also available.

License Verified:

License: 0L52081

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
Facebook
5.0 / 5 (8)
Yelp
3.0 / 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
Benco Insurance Services logo
Visit WebsiteWebsite

Benco Insurance Services

1389 N D St, San Bernardino, CA 92405
Visit WebsiteWebsite

Business Description

Benco Insurance Services has provided a full range of personal and business insurance products since 1981. The independent life insurance company in San Bernardino works with a network of top-rated carriers to deliver customized plans that meet its clients' needs. Its agents assist individuals with determining the type of life insurance policy that offers the most comprehensive coverage for their circumstances. They evaluate current and future earnings, familial responsibilities, debts, and assets before recommending a term, whole, or universal package. Benco Insurance Services also offers policies with long-term care riders as well as annuities. Additionally, the company's services extend to health insurance with supplemental coverage.

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

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
City Best Insurance Services Inc. logo
Visit WebsiteWebsite

City Best Insurance Services Inc.

275 9th Street, San Bernardino, CA 92410
Visit WebsiteWebsite

Business Description

City Best Insurance Services Inc. is an independent brokerage based in San Bernardino that's been providing unbiased advice and professional services to individuals and families throughout the county for many years. Its agents routinely help clients find the best life and health insurance policies for their needs that fall within their budgets. They also help clients fully understand what their policies cover and assist in filing claims. The brokerage's additional services include auto insurance and DMV renewals.

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
4.1 / 5 (18)

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
Eagle Strategies LLC logo
Visit WebsiteWebsite

License Verified:

License: 0735934

California Department of Insurance

Eagle Strategies LLC

1881 Commercenter E Ste 212, San Bernardino, CA 92408
Visit WebsiteWebsite
  • Life Insurance

Business Description

Eagle Strategies LLC is an insurance company operating in San Bernardino. It offers life insurance products that can help protect families and their futures. Its team of professionals assists individuals in acquiring a policy that can be used for different purposes such as supplement for retirement income, business succession, and charitable giving plans. One of its financial advisers, Jack Knight, is also a registered investment adviser who provides clients with customized plans for their financial goals.

License Verified:

License: 0735934

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
Fast Forward Insurance Services logo
Visit WebsiteWebsite

Fast Forward Insurance Services

1209 Nevada St Ste 200, Redlands, CA 92374
Visit WebsiteWebsite

Business Description

Fast Forward Insurance Services is an independent agency that provides its clients with a wide selection of insurance solutions. As a partner with a network of top-rated carriers, the company offers the flexibility to tailor its life insurance products to meet its clients' needs. Its agents consult with individuals to determine which policy offers the most effective coverage based on such unique circumstances as current and future earnings, mortgages and other debts, familial obligations, and assets. Based on the complete analysis, the company may recommend a term or permanent policy. Fast Forward Insurance Services also offers homeowners, renters, auto, and business insurance options.

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 (21)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fiesta Auto Insurance logo
Visit WebsiteWebsite

Fiesta Auto Insurance

297 East Highland Avenue, San Bernardino, CA 92404
Visit WebsiteWebsite

Business Description

Fiesta Auto Insurance helps families in San Bernardino find suitable car insurance products. Its team of professionals informs car owners of insurance coverage and applicable premiums for new or used car purchases. They also provide multiple insurance quotes, allowing clients to pick insurance types that fit their needs. Moreover, they cater to Spanish-speaking property owners, offering assistance for business and home insurance needs. Fiesta Auto Insurance also assists clients in tax preparation, handling refunds and ITIN applications.

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
4.3 / 5 (98)

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
Gil Lemus Insurance Services, LLC logo
Visit WebsiteWebsite

Gil Lemus Insurance Services, LLC

1794 North Waterman Avenue, San Bernardino, CA 92404
Visit WebsiteWebsite

Business Description

Gil Lemus Insurance Services, LLC is a full-service insurance provider that caters to clients in San Bernardino and nearby areas. The company assists individuals, families, and entrepreneurs in securing the right insurance coverage that is suitable to their needs. The firm offers several types of insurance programs, including auto, motorcycle, home, property, business, commercial, and life coverage. The company has received consistently high ratings from AM Best, a leading insurance rating provider. Employees at the firm are fluent in English and Spanish, allowing them to cater to international clients.

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
4.3 / 5 (11)

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
Hammer Insurance Services, Inc. logo
Visit WebsiteWebsite

Hammer Insurance Services, Inc.

Del Rosa Avenue, San Bernardino, CA 92404
Visit WebsiteWebsite

Business Description

Hammer Insurance Services, Inc. is an insurance agency that serves clients in San Bernardino and nearby areas. The company assists individuals and entrepreneurs in acquiring the most suitable insurance policies for their needs. The agency offers personal auto, motorcycle, and home insurance programs. It also provides several insurance options for business owners, including business owner policy, commercial vehicle, property insurance, and general liabilities. Other offerings include emergency roadside plans, telemedicine programs, and DMW services. The company has been operating since 2004 and has 11 offices across California.

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 (544)
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
Henehan logo
Visit WebsiteWebsite

License Verified:

License: 0691096

California Department of Insurance

Henehan

685 East Carnegie Drive, San Bernardino, CA 92408
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

Henehan has been providing life insurance services to clients in San Bernardino since 1985. Its staff members offer individual or group insurance products for clients who want to protect their family members after their death. This includes a temporary life term that covers death benefits and income replacement for 10 to 20 years. It also offers permanent life insurance covering the policyholder's life and the cash value of their policy. Its founder, Joe Henehan, specializes in medical and health savings account.

License Verified:

License: 0691096

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
John Keen logo
Visit WebsiteWebsite

License Verified:

License: 0G71708

California Department of Insurance

John Keen

2627 South Waterman Avenue, San Bernardino, CA 92408
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

John Keen is an insurance agent partnered with StateFarm that has been serving San Bernardino and the surrounding areas for over 44 years. He helps clients be financially secured for retirement through life insurance policies like term life, whole life, and universal life products. He also offers auto, property, and health insurance. Commercial clients wanting to get additional coverage regarding commercial auto, workers' compensation, and surety and fidelity bonds can consult with John as well.

License Verified:

License: 0G71708

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
5.0 / 5 (8)
Yelp
3.0 / 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
Meraki Financial & Insurance Services logo
Visit WebsiteWebsite

Meraki Financial & Insurance Services

1255 W Colton Ave Ste 571, Redlands, CA 92374
Visit WebsiteWebsite

Business Description

Meraki Financial & Insurance Services has provided financial planning and insurance solutions for more than 12 years. The independent agency assists clients with life insurance options, advising on the most effective coverage for individual situations. Its agents evaluate personal circumstances, such as current and future earnings, familial obligations, mortgage and other debts, and assets before recommending a term, whole, or universal policy. The company also works with a network of top-rated carriers to deliver health coverage tailored for the individual. Policies may include supplement plans that include Medicare, long-term care, disability, dental, and vision. Its agents assist clients with locating plans accepted by their physicians.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
State Farm - RC Chavez logo
Visit WebsiteWebsite

State Farm - RC Chavez

454 North Arrowhead Avenue, San Bernardino, CA 92401
Visit WebsiteWebsite

Business Description

State Farm Agency's RC Chavez is an insurance professional that offers financial assistance for clients around San Bernardino. In 2000, Chavez established his own agency together with his wife and has since provided insurance support covering areas such as auto, health, business, and property. Aside from insurance products, Chavez's agency also covers mutual funds and annuities. Chavez is a chartered financial consultant and life underwriter as well as an awardee of the State Farm Bronze Tablet.

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
4.8 / 5 (20)
Yolanda Vasquez-Meier - State Farm Insurance Agent logo
Visit WebsiteWebsite

Yolanda Vasquez-Meier - State Farm Insurance Agent

935 S Mount Vernon Ave Ste 108, Colton, CA 92324
Visit WebsiteWebsite

Business Description

Yolanda Vasquez-Meier has been an agent for State Farm Insurance since 1987. She is bilingual, working with individuals and businesses in the area's English and Spanish-speaking communities. The life insurance agency near San Bernardino provides a variety of products tailored to meet its clients' needs. Ms. Vasquez-Meier consults with clients, evaluating their financial circumstances and goals. She assesses their current and future earnings, familial responsibilities, debts, and assets in order to make recommendations about the products that best serve to protect individuals as well as their families and investments. Ms. Vasquez-Meier also provides health, home, auto, 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.
4.8
Google
4.8 / 5 (27)
Yelp
4.5 / 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
Back to Providers

Frequently Asked Questions

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.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Read all FAQs