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Best Life Insurance Companies in San Pedro

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Arroyo Insurance Services logo
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License Verified:

License: 0735912

California Department of Insurance

Arroyo Insurance Services

333 West 5th Street, San Pedro, CA 90731
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  • Life Insurance
  • Health Insurance

Business Description

Arroyo Insurance Services provides various lines of insurance products for residents in San Pedro. The company consists of second-generation employees who are dedicated to helping families and individuals prepare for the risks specific to their life and financial situations. They offer universal, whole, and term life insurance plans and can conduct yearly reviews to adjust policies according to each client's needs. The LA Business Journal has also named Arroyo Insurance Services as one of the top insurance agencies in the area in 2019.

License Verified:

License: 0735912

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 (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
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Barnett & Associates Insurance and Financial Services logo
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License Verified:

License: 0K77680

California Department of Insurance

Barnett & Associates Insurance and Financial Services

2601 Airport Drive, Torrance, CA 90505
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  • Life Insurance
  • Health Insurance

Business Description

Barnett & Associates Insurance and Financial Services has been serving the insurance needs of San Pedro and nearby communities for over 42 years. Its team of agents assists individuals in obtaining life insurance policies under term life, whole life, and combined term and whole life insurance. It has a diverse range of life insurance products and helps clients find the right match for their unique needs. The company also offers insurance products and services under personal, commercial, and group health insurance lines.

License Verified:

License: 0K77680

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
Cristian Amaya logo
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License Verified:

License: 0G59996

California Department of Insurance

Cristian Amaya

882 West 9th Street, Los Angeles, CA 90731
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  • Life Insurance
  • Health Insurance

Business Description

Cristian Amaya is a State Farm insurance agent who has been servicing San Pedro and the nearby communities since 2015. He offers term, whole, and universal life insurance coverage options to individuals who want to secure their future. Amaya also helps small businesses obtain life insurance coverage for employee benefits, business continuation, and employee incentives. Amaya and his team cater to English-speaking and Spanish-speaking clients. He is a member of the San Pedro Chamber of Commerce.

License Verified:

License: 0G59996

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 (41)

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
Frank Leon logo
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License Verified:

License: 0K12193

California Department of Insurance

Frank Leon

1851 North Gaffey Street, Los Angeles, CA 90731
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  • Life Insurance

Business Description

Frank Leon is a licensed State Farm insurance agent. He has delivered services throughout the San Pedro metro since 2006. Some of the services he offers include life insurance, health insurance, automobile insurance, home and property insurance, and business insurance. Aside from this, he also assists clients in their banking needs. He finished B.A. Economics and also speaks fluent Spanish. He is a Travel Qualifier, a Wilmington Chamber of Commerce member, and a Lifelong Legion of Honor Qualifier.

License Verified:

License: 0K12193

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 (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
LA Insurance Agency logo
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License Verified:

License: 0637330

California Department of Insurance

LA Insurance Agency

24705 Narbonne Avenue, Lomita, CA 90717
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  • Life Insurance

Business Description

LA Insurance Agency is a full-service insurance company located in Lomita providing services to the San Pedro metro and surrounding areas. Its team of advisors, headed by Tom T. Lin, Clifton Lin, and Jennifer Lin, offer life insurance such as term, whole, universal, and group as well as accidental death, senior, and pre-need policies. Its other services include health, commercial, home, car, worker’s compensation, vision, and dental insurance. The company has been in operation since 1983.

License Verified:

License: 0637330

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Skyline Benefit Insurance Solutions logo
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License Verified:

License: 0M92208

California Department of Insurance

Skyline Benefit Insurance Solutions

1301 West Valencia Drive, Fullerton, CA 92833
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  • Health Insurance
  • Group Plans

Business Description

Skyline Benefit Insurance Solutions is an independent health insurance agency that serves individuals and businesses from San Pedro. It offers health insurance, Medicare insurance, dental insurance, and vision insurance. It works with Covered California and HealthCare.Gov. CEO David Keum has been working in the insurance industry for more than 15 years. He is the former president of the Southern California Insurance Accounting and Systems Association. He is also a member of the American Institute of Certified Public Accountants.

License Verified:

License: 0M92208

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)
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
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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.

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