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Best Life Insurance Companies in San Marcos

2024

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Website
3525 Del Mar Heights Road, San Diego, CA 92130
  • Life Insurance

Why choose this provider?

Marcan Insurance is a life insurance agency that's been helping San Marcos clients since 2009. It offers life insurance services that focus on clients who legally use marijuana for certain health conditions. This firm has been featured in various publications including Forbes, Money, and Bankrate. They have partnerships with life insurance companies that are marijuana-friendly, with the goal of getting clients' applications approved and ensure that they get justifiable health ratings when it comes to life insurance underwriting.

License Verified:

License: 0G85806

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
13240 Evening Creek Drive South, San Diego, CA 92128
  • Health Insurance

Why choose this provider?

Terri Yurek Insurance has been helping individuals, families, and businesses in San Marcos with their insurance needs for over two decades. It offers term and permanent life, short- and long-term disability, and Medicare policies. It also provides customized employee benefits programs. Since the agency's founding, it has delivered insurance policies to over 1,000 clients. Owner Terri Yurek has been living in San Diego since 1995 and is a member of the Board of Directors of the San Diego Association of Health Underwriters.

License Verified:

License: 0I27736

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.
4.8
Google
5.0 / 5 (28)
Facebook
4.0 / 5 (9)
Yelp
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
17927 Sencillo Court, San Diego, CA 92128
  • Life Insurance
  • Health Insurance

Why choose this provider?

SPF Insurance Services is a San Diego-based company that extends its services to the San Marcos metro. It helps individuals who need assistance in acquiring life insurance plans. SPF Insurance Services offers term and whole life insurance. In addition, it provides fixed, variable, and indexed universal life insurance policies. The company also deals with health, dental, disability, and long-term care insurance options. Owner Tim Thompson founded the company in 2001 after working in the electrical industry for more than 19 years.

License Verified:

License: 0F89895

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 (46)
Google
5.0 / 5 (30)
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
210 South Juniper Street, Escondido, CA 92025
  • Life Insurance
  • Health Insurance

Why choose this provider?

Kevin S. Svetich, CLU Insurance Services is an insurance company that offers term life, cash value life, whole life, and last-survivor life insurance products to San Marcos. Its founder, Kevin S. Svetich, is a certified financial planner with over 30 years of experience and a CLU designation. Under his guidance, his team has provided clients with retirement plans as well as disability, individual and group health, and long-term care insurance. Kevin's company is also an active member of the Chamber of Commerce.

License Verified:

License: 0523680

California Department of Insurance

Website
330 Rancheros Drive, San Marcos, CA 92069
  • Life Insurance

Why choose this provider?

Justin Lundquist Insurance Agency serves the insurance needs of individuals and businesses in San Marcos and the surrounding areas. Through a life insurance policy, the company can protect its clients' dependents from financial burdens caused by unforeseen events. Its independent insurance agents represent over a dozen companies offering life policies that can cover medical bills, college tuition fees, mortgages, and other living expenses. The company was founded by local insurance broker Justin Lundquist, who serves clients throughout the state.

License Verified:

License: 0H29315

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)

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
1116 Sycamore Avenue, Vista, CA 92081
  • Life Insurance

Why choose this provider?

McArthur & Associates Insurance Agency LLC is an independent insurance agency offering personal and business insurance in California, including San Marcos, since 2005. Its services include life insurance, home insurance, auto insurance, and homeowners insurance. Moreover, it provides different life insurance policies like universal life insurance, whole insurance, and term insurance so customers could prepare for any life event and ensure their family's security. It works with various insurance carriers such as AIG, National General Insurance, and Foremost Insurance Group.

License Verified:

License: 6001211

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 (17)

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
725 East Valley Parkway, Escondido, CA 92025
  • Life Insurance
  • Health Insurance

Why choose this provider?

Brouwer Insurance Agency is a family-owned insurance agency serving San Marcos. For over 50 years, it has been providing a wide array of insurance options, which cover home, auto, health, and life insurance plans for individuals and businesses. The agency represents insurance companies that offer level term, whole life, universal life, and variable universal life insurances. Aside from these, Brouwer Insurance Agency also offers key person life insurance as well as buy-sell funding insurance.

License Verified:

License: 0454226

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
Yelp
4.0 / 5 (4)

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
9920 Pacific Heights Boulevard, San Diego, CA 92121
  • Life Insurance

Why choose this provider?

One Wealth Management is an independent financial services firm that provides life insurance policies and financial planning to clients in San Marcos and the surrounding areas. With over 100 years of combined experience in the industry, the firm lives by one process of analyzing, customizing, implementing, and protecting clients to provide comprehensive insurance policies. In addition to life insurance, the firm also offers other products that cover disability income and long-term care. It also assists clients with retirement planning, trust services, and investments.

License Verified:

License: 0M75730

California Department of Insurance

Website
547 McMahr Road, San Marcos, CA 92078
  • Life Insurance

Why choose this provider?

Piceno Insurance Agency is an independently owned and locally operated business serving clients in San Marcos. It has been providing life insurance products from a variety of carriers since 2006. Whether it's term life, whole life, or universal life insurance, the team can help clients find the right coverages. Additionally, the agents offer insurance packages for healthcare, vehicles, properties, and businesses. Piceno Insurance Agency facilitates clients' claims and conducts coverage reviews to ensure that policyholders are adequately covered.

License Verified:

License: 0C62874

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 (4)

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
809 West San Marcos Boulevard, San Marcos, CA 92078
  • Life Insurance
  • Health Insurance

Why choose this provider?

Access Health Insurance Services, Inc. is an independent agency based in San Marcos that was started by Joy Raine, its CEO, who has decades of experience as an insurance broker. She is joined by other insurance professionals and accounts managers in assisting individuals and business owners with securing life insurance. They educate clients on policy features to help them select the coverage option that suits their needs. Moreover, the agency offers long-term care, travel medical, disability, and health insurance.

License Verified:

License: 0E50701

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 (14)
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (4)

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
1155 Camino Del Mar, Del Mar, CA 92014
  • Health Insurance
  • Life Insurance

Why choose this provider?

Haviland Insurance is a full-service insurance agency serving San Marcos residents for over 20 years. Its life insurance products include whole life, universal life, and term life insurance. The agency also offers fire, farmer, auto, home, and commercial insurance. Owner Tim Haviland assists clients in processing claims and issues certificates of insurance. He has earned many referrals from his clients. One of them said that he helped her understand her policies and provided her peace of mind about her finances.

Website
2002 Jimmy Durante Boulevard, Del Mar, CA 92014
  • Life Insurance
  • Health Insurance

Why choose this provider?

Todd DeRenzis owns DeRenzis Insurance Agency, Inc., in Del Mar, which is a State Farm office that offers individual and commercial insurance products to clients in the San Marcos metro. His firm handles life insurance products such as whole life, term life, and universal variable life insurance plans that financially protect policyholders in the event of losses, accidents, or death. It also provides key person and health insurance plans. DeRenzis was born and raised in Southern California and is a second-generation State Farm agent.

License Verified:

License: 0K10716

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 (98)
Yelp
4.0 / 5 (25)

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
1530 South Escondido Boulevard, Escondido, CA 92025
  • Life Insurance

Why choose this provider?

Founded in 1975, Kebco Insurance Agency is an Escondido-based company that extends its services to the San Marcos metro. It is a full-service and independent insurance agency that caters to businesses, families, and individuals who need assistance in purchasing life insurance plans. The company's agents also help its clients acquire other plans, including dental, vision, disability, and Medicare Supplement insurance. Founder and President Keith Beier started his insurance career in 1970. At the age of 19, he was the youngest agent hired by Blue Cross.

License Verified:

License: 0707170

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

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 the different life insurance options available to San Marcos residents?

    Residents of San Marcos have access to various life insurance options, including term life insurance, which offers coverage for periods like 10, 20, or 30 years. Another option is whole life insurance, which provides coverage up to the age of 121, provided that premiums are paid. Universal life insurance offers increased flexibility, allowing policyholders to adjust their premium payments and death benefits within specific limits.

  • Why should individuals in San Marcos consider working with a life insurance broker?

    San Marcos residents can benefit from the expertise of life insurance brokers, who work with multiple insurance companies to provide a diverse range of coverage options. These professionals possess strong communication skills, allowing them to effectively explain complex insurance policies to their clients. They also use their analytical skills and attention to detail to offer well-informed policy recommendations.

  • Is group life insurance convertible to permanent insurance in San Marcos?

    California state regulations allow San Marcos residents covered by group life insurance to convert their coverage to a permanent insurance policy when their participation in the group policy ends. The converted policy typically comes at a higher cost compared to group insurance. Certain employers adopt a proactive strategy by arranging for agents or enrollers to visit their employees' residences to assist them with this form of life insurance.

  • Do loans or withdrawals affect the tax-deferred status of a whole life insurance policy's cash value component in San Marcos?

    Accessing funds from the cash value component of a whole life insurance policy can initiate a taxable event. Typically, the accumulated earnings and profits within the cash value are subject to ordinary income tax when withdrawn by San Marcos policyholders. Money from the cash value can be used to pay for college tuition or facilitate a home down payment.

  • How can life insurance help protect the business in the event of a key employee or owner's unexpected death in San Marcos?

    Life insurance policies have a buy-sell agreement element, which finances the acquisition of a departed owner's company portion. This arrangement facilitates a seamless transfer of ownership and averts disputes among the remaining owners or beneficiaries. Life insurance can also assist San Marcos policyholders in protecting their businesses from the impact of losing key employees by covering expenses associated with recruiting and training a replacement.

  • 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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