Expertise.com

Best Life Insurance Companies in Santa Clarita

Laurels
2023
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Life Insurance Companies FAQs

Learn more
FREE

Expertise.com Concierge

Let us do the work for you!

Share your needs with our Concierge team, and they'll book you with our best available top-ranked service providers!

Acjo Insurance Services, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0F64101

California Department of Insurance

Acjo Insurance Services, Inc.

Visit WebsiteWebsite
15306 Devonshire Street, Los Angeles, CA 91345
  • Life Insurance

Business Description

Acjo Insurance Services, Inc., is a life insurance company serving clients in Santa Clarita and the surrounding areas. The company was established in 2006, providing life insurance products that come in various options, such as term, whole, universal, and index universal life. It also offers coverage for home, auto, and health insurance, in addition to business, property, and workers' compensation. Moreover, the company works with various carriers, including Anthem, Allied Insurance, and the Mercury Insurance Group.

License Verified:

License: 0F64101

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
Yelp
4.0 / 5 (10)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
At the Helm Insurance & Financial Services logo
Visit WebsiteWebsite

At the Helm Insurance & Financial Services

Visit WebsiteWebsite
6520 Platt Ave # 854, West Hills, CA 91307

Business Description

At the Helm Insurance & Financial Services does business within the Santa Clarita metro area with individuals, families, and businesses. With over 40 partnered carriers, this company is able to deliver a large assortment of potential options. It sells life insurance policies to clients who need coverage for final expenses and future monetary needs associated with their children. It sells health coverage, including dental and vision needs, and assists with policies for long-term care. At the Helm Insurance & Financial Services also sells corporate and business employee benefits packages.

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
Yelp
4.5 / 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
Becker Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0G36623

California Department of Insurance

Becker Insurance Services

Visit WebsiteWebsite
25050 Avenue Kearny 114B, Valencia, CA 91355
  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

Becker Insurance Services is an agency that serves clients in Santa Clarita and the surrounding areas. It partners with a range of insurance carriers to provide term life and permanent life insurance suitable for individuals and families. The company also offers insurance plans for homeowners, renters, and recreational vehicles, along with policies for managed care and short and long-term disability. Becker Insurance Services extends its services to businesses that need coverage for workers' compensation, general liability, and commercial automobiles.

License Verified:

License: 0G36623

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
BMDG Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0G05816

California Department of Insurance

BMDG Insurance Services

Visit WebsiteWebsite
17207 Braxton Street, Granada Hills, CA 91344
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

The agents at BMDG Insurance Services have been helping Santa Clarita area communities determine the most suitable coverage options since 2008. The family-run agency offers assistance in securing life insurance coverage that will enable families to secure essential funds in preparation for future events. The independent agency's life insurance services revolve around helping clients restore their incomes, resolve debts, protect businesses, and pay heavy expenses. BMDG Insurance Services also assists in group-based life insurance for employees.

License Verified:

License: 0G05816

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 (16)
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
Carlos Villalobos Insurance Agency Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0H64767

California Department of Insurance

Carlos Villalobos Insurance Agency Inc.

Visit WebsiteWebsite
25001 The Old Road, Santa Clarita, CA 91381
  • Life Insurance

Business Description

Santa Clarita-based Carlos Villalobos Insurance Agency Inc. is an independent brokerage that serves residents and businesses. It offers a range of risk insurance management strategies, including home and life insurance as well as coverage for automobiles, recreational vehicles, condominiums, and farms. Additionally, the brokerage provides commercial auto insurance, general liability, and workers' compensation. The agency has been in the industry for more than 30 years, and it provides consultations and 24/7 assistance to its clients.

License Verified:

License: 0H64767

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 (6)
Google
5.0 / 5 (5)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
cnifinancial.com logo
Visit WebsiteWebsite

cnifinancial.com

Visit WebsiteWebsite
8323 Reseda Blvd, Northridge, CA 91324

Business Description

CNI Financial & Insurance Services is active throughout the Santa Clarita metro area and has provided clients with assistance and management services since 2005. This agency works with all major types of life insurance coverage and finds plans by appropriate carriers that work within its clients' budgets. CNI Financial & Insurance Services also extends its coverage options to commercial clients who need coverage for general liability as well as industry-specific risks.

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
Yelp
4.0 / 5 (7)
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
Free Financial logo
Visit WebsiteWebsite

License Verified:

License: 0G66721

California Department of Insurance

Free Financial

Visit WebsiteWebsite
22924 Lyons Ave Suite 205, Santa Clarita, CA 91321
  • Life Insurance

Business Description

Free Financial is a financial advising provider that attends to the needs of clients in Santa Clarita. Its personalized services include life insurance, financial planning, investment management, and tax preparation. The company assists clients in crafting their term insurance coverages. Its insurance advisor, Christopher D. Munchhof, guides his clients in choosing the appropriate amount of years for their term insurance plan in accordance with their respective situations, needs, and goals. Free Financial is available for in-person, virtual, phone, or email appointments.

License Verified:

License: 0G66721

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)
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (5)
Heitz Insurance Agency logo

License Verified:

License: 0507332

California Department of Insurance

Heitz Insurance Agency

24353 Walnut Street, Santa Clarita, CA 91321
  • Life Insurance

Business Description

Heitz Insurance Agency offers a selection of personalized products and services in the Santa Clarita metro. It caters to families and individuals who want to purchase life insurance plans that include individual, long-term care, disability, second-to-die, key person, and mortgage protection insurance. The company aims to provide financial protection to policyholders and their families in case of unexpected death. It also provides car, home, earthquake, BOP, and fidelity bonds insurance. Heitz Insurance Agency has been delivering risk management solutions since 1965.

License Verified:

License: 0507332

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.
4.9
Google
4.9 / 5 (63)
Yelp
5.0 / 5 (48)
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
Henry Rodriguez logo
Visit WebsiteWebsite

License Verified:

License: 0G49978

California Department of Insurance

Henry Rodriguez

Visit WebsiteWebsite
18978 Soledad Canyon Rd, Santa Clarita, CA 91351
  • Life Insurance
  • Health Insurance
  • Personal Insurance

Business Description

Henry Rodriguez provides financial investment services to families, individuals, and business owners in the Santa Clarita metro and nearby areas. He offers a selection of insurance products, including life plans. He assists clients in obtaining term, whole, and universal coverage, to cover funeral costs and other monetary responsibilities in case of an unexpected death. The insurance agent also handles health, homeowners', BOP, and workers' compensation policies. Rodriguez opened his State Farm Agency in 2011.

License Verified:

License: 0G49978

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
4.9 / 5 (428)
Yelp
4.5 / 5 (133)
Facebook
4.9 / 5 (119)

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
Insure Smart Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0E89914

California Department of Insurance

Insure Smart Insurance Agency

Visit WebsiteWebsite
25061 Avenue Stanford, Santa Clarita, CA 91355
  • Life Insurance

Business Description

Insure Smart Insurance Agency is an independent company based in Santa Clarita. It specializes in life insurance products to help clients fulfill their financial obligations to their families in the event that they pass away. The products cover tax-free financial benefits that families can utilize for unpaid debts, estate taxes, income, funeral, and educational expenses. Insure Smart Insurance Agency owner Sherri Risley has been specializing in life, health, auto, business, homeowner, and workers compensation insurance services for over 22 years.

License Verified:

License: 0E89914

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 (6)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jacob Castroll Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0H07355

California Department of Insurance

Jacob Castroll Insurance Services

Visit WebsiteWebsite
11352 Ventura Blvd., Studio City, CA 91604
  • Life Insurance

Business Description

Castroll Insurance is an independent agency serving individuals and families in Santa Clarita. It offers a variety of insurance plans, including life and health insurance sourced from reputable carriers like Cigna, Petersen International Underwriters, and Kaiser Permanente. Its associates help clients select which policies will suit their individual needs, lifestyles, and possible risks. The agency also offers other insurance products, such as home and renters', auto, and business insurance. Castroll Insurance has been in operation for more than three decades.

License Verified:

License: 0H07355

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
Yelp
4.0 / 5 (9)
Google
5.0 / 5 (7)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Johnny Castaneda logo
Visit WebsiteWebsite

License Verified:

License: 0E84494

California Department of Insurance

Johnny Castaneda

Visit WebsiteWebsite
27125 Sierra Highway, Santa Clarita, CA 91351
  • Life Insurance

Business Description

Johnny Castaneda is an insurance agent that offers a variety of life insurance policies in Santa Clarita and its surrounding areas. He owns the Johnny Castaneda Agency, a company that is committed to providing insurance services that are tailored specifically for clients' needs. Aside from life insurance, he also offers other insurance policies for individuals such as renters', motorcycles, auto, and home insurance. In addition, policies for businesses like property, commercial auto, and business interruption insurance are also available.

License Verified:

License: 0E84494

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 (65)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JSG Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0G66574

California Department of Insurance

JSG Insurance Services

Visit WebsiteWebsite
28494 Westinghouse Pl. 215, Valencia, CA 91355
  • Life Insurance

Business Description

JSG Insurance Services is an independent agency located in Valencia. It caters to individuals, families, and businesses in the Santa Clarita metro and the surrounding areas. It offers a wide range of insurance products, including life, auto, commercial building, homeowners', and umbrella insurance policies. Jon Gardner, the owner, started his career in the insurance industry in 1989, working as an underwriter for Farmers Insurance. He holds a Bachelor's degree in Marketing and a master's in Business Administration.

License Verified:

License: 0G66574

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 (34)
Yelp
5.0 / 5 (14)
Facebook
5.0 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Julio Lemos Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0L92148

California Department of Insurance

Julio Lemos Insurance Services

Visit WebsiteWebsite
23566 Lyons Avenue #101, Newhall, CA 91321
  • Life Insurance
  • Personal Insurance
  • Home and Auto Insurance

Business Description

Julio Lemos Insurance Services is an independent agency that serves families and individuals in the Santa Clarita metro. It provides an array of financial investment services, including life insurance. The company creates personalized coverage to protect families from financial losses caused by mortgages and other expenses. It also offers other personal lines of insurance, such as home, flood, earthquake, and auto policies. Its agents also handle vehicle registration and title transfer services. Julio Lemos Insurance Services has been in the industry since 1998.

License Verified:

License: 0L92148

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
4.7 / 5 (129)
Yelp
3.5 / 5 (16)
Facebook
4.4 / 5 (9)

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
Kane & Torres Insurance Services logo

Kane & Torres Insurance Services

15300 Devonshire St Ste 5, Mission Hills, CA 91345

Business Description

Kane & Torres Insurance Services is a life insurance agency near Santa Clarita. This independent agency represents several different carriers and works to choose the most appropriate carriers for its clients' particular needs or concerns. Its individual life insurance policies can be provided in either whole or term formats, and group life insurance plans are available to business owners. Kane & Torres Insurance Services also offers health insurance and sells both individual and group 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.
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
Lentini Financial Advisory logo
Visit WebsiteWebsite

Lentini Financial Advisory

Visit WebsiteWebsite
24359 Walnut St Ste B, Santa Clarita, CA 91321

Business Description

Lentini Financial Advisory is a life insurance company in Santa Clarita serving clients all over the metro area as they pursue advantageous policy agreements. Also a financial services firm, this company is equipped to help clients project the long-term implications of the life insurance plans they choose, and it offers analytical services to determine which plans are best for them. It also assists with a wide range of financial planning needs, especially concerning retirement.

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
––
Leslie York logo
Visit WebsiteWebsite

License Verified:

License: 0799944

California Department of Insurance

Leslie York

Visit WebsiteWebsite
19524 Nordhoff Street, Los Angeles, CA 91324
  • Life Insurance
  • Health Insurance

Business Description

Leslie York is a professional that has been providing life insurance services in Santa Clarita since 1991. She also offers home, auto, property, health, pet, and business insurance products. Leslie is a second-generation State Farm agent, pursuing the same path as her father. She aims to make the insurance process more straightforward by delivering a personal approach for every client. Her company's mission is to educate about the importance of insurance and the necessity of finding the right coverage for each requirement.

License Verified:

License: 0799944

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 (6)
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
Megarian Insurance and Financial Solutions, LLC logo
Visit WebsiteWebsite

License Verified:

License: 0H40839

California Department of Insurance

Megarian Insurance and Financial Solutions, LLC

Visit WebsiteWebsite
18565 Soledad Canyon Rd, No. 326, Santa Clarita, CA 91351
  • Life Insurance

Business Description

Megarian Insurance and Financial Solutions, LLC, provides a range of investment products to help individuals and families achieve their financial goals. Serving the Santa Clarita metro, the independent agency helps clients acquire life insurance plans. Its specialists offer customized universal, whole, and term life coverages. They also craft policies for homes, condominiums, cars, trucks, and motorcycles. Owner Monte C. Houze founded the company in 2011. He is a retired police sergeant from the Los Angeles Police Department.

License Verified:

License: 0H40839

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 (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
Panorama Insurance Agency logo
Visit WebsiteWebsite

Panorama Insurance Agency

Visit WebsiteWebsite
19302 Citronia St, Northridge, CA 91324

Business Description

Panorama Insurance Agency is an independent agency that gives clients unbiased life insurance quotes from a variety of affiliated providers. Typical concerns that this agency regularly addresses when consulting clients include costs associated with final expenses, death and estate taxes, inheritances, and management of charitable donations delineated within wills. Panorama Insurance Agency helps clients to determine how much coverage they need and which benefits they should prioritize. A large selection of commercial insurance products is also available.

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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sunny Day Insurance Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 6001378

California Department of Insurance

Sunny Day Insurance Agency, Inc.

Visit WebsiteWebsite
27200 Tourney Rd., Suite 150, Valencia, CA 91355
  • Life Insurance
  • Health Insurance

Business Description

Sunny Day Insurance Agency, Inc., is an independent firm that serves individuals and businesses in Santa Clarita. It provides term, whole, variable, and universal life insurance options from various carriers, including Aetna and Anthem. It offers different premiums that depend on the client's age, location, and choice of deductibles. The agency has various policies to cover homes, automobiles, and general commercial needs. It also has umbrella insurance products for extra coverage. Sunny Day Insurance Agency has been in the industry since 1994.

License Verified:

License: 6001378

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

  • 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.