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Best Life Insurance Companies in Santa Monica

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2023
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Andrew Engeman & Associates Insurance logo
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License Verified:

License: 0795359

California Department of Insurance

Andrew Engeman & Associates Insurance

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2655 First Street, Simi Valley, CA 93065
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Andrew Engeman & Associates Insurance serves the Santa Monica area with term and whole life insurance products. It provides other personal coverage plans like auto insurance, boat insurance, flood insurance, long-term care insurance, renters' insurance, and landlord insurance. Andrew Engeman & Associates Insurance, founded in 1990, also handles business insurance policies encompassing commercial automobiles, farm properties, trucking companies, contractors, workers' compensation, and surety bonds. The company represents insurance carriers like Bristol West, Builders & Tradesmen's, Chubb, Hagerty, Heritage Insurance, and The Hartford.

License Verified:

License: 0795359

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
DME Insurance Service, LLC logo
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License Verified:

License: 0K89343

California Department of Insurance

DME Insurance Service, LLC

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1537 Crenshaw Blvd, Los Angeles, CA 90019
  • Life Insurance

Business Description

DME Insurance Service, LLC, is an independent insurance agency that has been serving the residents of Santa Monica and the surrounding areas since 2016. It offers life insurance and long-term care insurance. It also provides other personal insurance products for homeowners, renters, and auto. Some of the insurance providers that it represents are the United States Liability Insurance Group, Western General Insurance Company, and Aegis General Insurance Agency. DME Insurance Service has served more than 400 clients.

License Verified:

License: 0K89343

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 (68)
Yelp
5.0 / 5 (12)
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
––
Donald Weiss Insurance Services logo
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License Verified:

License: 0D82085

California Department of Insurance

Donald Weiss Insurance Services

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1223 Wilshire Boulevard, Santa Monica, CA 90403
  • Life Insurance

Business Description

Donald Weiss Insurance Services is an independent insurance agency that serves individuals, families, and businesses in the Santa Monica metro. It is partnered with a wide range of insurance carriers, including Aetna, Kaiser Permanente, and The Hartford. This firm assists in the acquisition of term, permanent, and universal life insurance plans. It also offers disability, health, long-term care, and travel insurance products. Its owner Donald Weiss is a member of the California Association of Health Underwriters and the National Association of Health Underwriters.

License Verified:

License: 0D82085

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 (23)
Facebook
5.0 / 5 (4)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Express Financial & Insurance Services, Inc. logo

License Verified:

License: 0D01874

California Department of Insurance

Express Financial & Insurance Services, Inc.

3222 Santa Monica Boulevard, Santa Monica, CA 90404
  • Life Insurance

Business Description

With more than 54 years of combined experience among its staff, Express Financial & Insurance Services, Inc. is an independent insurance agency offering life insurance products to clients in the Santa Monica area. Aside from term life insurance, the company also provides universal and whole life insurance options for clients who wish to include additional benefits in their policies. The agency also assists with home, auto, and health insurance plans. For business owners, Express Financial & Insurance Services, Inc. is also available for commercial insurance needs.

License Verified:

License: 0D01874

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 (5)
Google
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
Franklin Financial & Insurance Services logo

License Verified:

License: 0750311

California Department of Insurance

Franklin Financial & Insurance Services

4717 Van Nuys Boulevard, Los Angeles, CA 91403
  • Life Insurance

Business Description

Franklin Financial & Insurance Services provides different life insurance plans in Santa Monica, such as universal, term, and whole life packages. It explains the benefits of having coverage to pay off debts or protect dependents from future unexpected expenses. Additionally, long-term care, retirement planning, and disability policy options are available. The firm has over 20 years of experience in the industry, and it has served more than 6,000 clients in the community. Some of the company's insurance providers include MetLife, Aetna, and Health Net.

License Verified:

License: 0750311

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.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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George E. Martini logo
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License Verified:

License: 0551971

California Department of Insurance

George E. Martini

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7033 Owensmouth Avenue, Canoga Park, CA 91303
  • Life Insurance
  • Health Insurance

Business Description

George E. Martini, President, and COO of Allen Lawrence & Associates, has catered life insurance plans that have assisted the company in delivering customized risk assessment to its consumers in Santa Monica. Martini is a member of The Council of Insurance Agents and Brokers and facilitates the firm in offering a wide range of coverage, including business insurance, group benefits, surety bonds, risk management services, and travel insurance. Thanks to his over 40 years of experience, he has helped served businesses and individuals throughout the United States.

License Verified:

License: 0551971

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 (2)
Germani Insurance Services logo
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License Verified:

License: 0I43584

California Department of Insurance

Germani Insurance Services

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3415 South Sepulveda Boulevard, Los Angeles, CA 90034
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Business Description

Germani Insurance Services is an agency that represents over 200 insurance carriers delivering insurance protection to customers in Santa Monica. It offers different types of life insurance, including term life, whole life, universal life, and variable universal life insurance plans. These provide cash funds after a specific period of time or when the policyholder passes away. The company's additional products are vehicle, business, and property insurance policies. Its founder, William Germani, received his agent licensed in 2006 and opened the agency in October 2009.

License Verified:

License: 0I43584

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
5.0 / 5 (33)
Yelp
4.5 / 5 (10)
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
Hayes Company Insurance Brokers logo
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License Verified:

License: 0750660

California Department of Insurance

Hayes Company Insurance Brokers

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2315 Kuehner Drive, Simi Valley, CA 93063
  • Life Insurance
  • Health Insurance
  • Permanent Life Insurance Policy

Business Description

Hayes Company Insurance Brokers is an independent agency that specializes in offering personal and commercial insurance products. Since its establishment in 1968, it has served individuals, families, and businesses in Santa Monica and neighboring areas. Hayes Company Insurance Brokers partners with more than 30 insurance carriers, introducing its clients to a wide array of options in coverages. Its agents are equipped to offer other insurance products, such as long-term care, disability, and homeowners' insurance.

License Verified:

License: 0750660

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 (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
Ira Fenster Insurance Services Inc logo

License Verified:

License: 0D51710

California Department of Insurance

Ira Fenster Insurance Services Inc

2736 Claray Drive, Los Angeles, CA 90077
  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

Serving the Santa Monica area, Ira Fenster Insurance Services Inc provides a variety of insurance solutions to clients in the metro. It offers insurance products such as term life insurance, individual health insurance, short-term health insurance, fixed indemnity insurance, and Medicare Supplement (Medigap) insurance. The company also has other options like critical illness insurance, dental insurance, cancer insurance, and accident insurance. Ira Fenster Insurance Services Inc has a strong focus on using a commonsense approach in helping customers make correct decisions.

License Verified:

License: 0D51710

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 (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
Janice Killian logo
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License Verified:

License: 0725660

California Department of Insurance

Janice Killian

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6850 Canby Avenue, Los Angeles, CA 91335
  • Life Insurance
  • Health Insurance

Business Description

Janice Killian is a State Farm agent that assists Santa Monica area residents in evaluating coverage options for life insurance. Killian's team focuses on delivering personalized services and works to match families with suitable term, whole, and universal life insurance options. The team's life insurance services revolve around helping families ensure sufficient sources to pay mortgages, resolve debts, and maintain standards of living. In addition to her insurance work, Killian also participates in annual charity walking events.

License Verified:

License: 0725660

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.
4.4
Yelp
4.0 / 5 (8)
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
––
Karen and Michael Quigley Insurance Agency logo
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License Verified:

License: 0F79333

California Department of Insurance

Karen and Michael Quigley Insurance Agency

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803 Camarillo Springs Road, Camarillo, CA 93012
  • Life Insurance
  • Health Insurance

Business Description

Karen and Michael Quigley Insurance Agency is an independent insurance brokerage in Camarillo that offers insurance products to clients in the Santa Monica area. The company was formed in 1984 and is currently managed by husband-and-wife Michael and Karen Quigley, insurance professionals with backgrounds in medical insurance, banking, and financial consulting. The firm offers life insurance products such as term insurance and whole life insurance policies that provide tax-free debt options upon the policyholder's death.

License Verified:

License: 0F79333

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 (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
––
Life Trails Insurance Agency, Inc. logo
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License Verified:

License: 6000008

California Department of Insurance

Life Trails Insurance Agency, Inc.

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3500 West Olive Avenue, Burbank, CA 91505
  • Life Insurance

Business Description

Life Trails Insurance Agency, Inc., is an independent insurance agency that serves clients in Santa Monica. The company represents a number of insurance carriers, including Accordia Life, Allianz, and Minnesota Life Insurance Company. It offers a wide range of life insurance coverage and solutions, including term, whole, and guaranteed life insurance as well as mortgage protection insurance and living benefits life insurance. Return of premium and living benefits life insurance are also offered. Additionally, it provides disability, accidental, and long-term care insurance options.

License Verified:

License: 6000008

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)
Yelp
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
Provence Financial & Insurance Services logo

License Verified:

License: 0L48741

California Department of Insurance

Provence Financial & Insurance Services

16501 Ventura Boulevard, Los Angeles, CA 91436
  • Life Insurance

Business Description

Provence Financial & Insurance Services is an independent insurance firm serving the people of Sacramento. Established in 1998, it has been providing a wide range of insurance products, including life insurance, that will keep clients’ beneficiaries financially supported after unexpected times of distress. The options offered include term, variable, and universal insurance. It also carries life insurance for businesses. Provence Financial & Insurance Services expanded its communication platforms in 2020 to include in-person, by phone, and online to make its services more accessible.

License Verified:

License: 0L48741

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Red Financial logo
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License Verified:

License: 0M11164

California Department of Insurance

Red Financial

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7301 Topanga Canyon Boulevard, Los Angeles, CA 91303
  • Life Insurance
  • Health Insurance

Business Description

The "RED" in RED Financial stands for Reaching Everyone’s Dream. RED Financial is an independent company serving Santa Monica that specializes in life insurance policies. The firm's agents assist clients by helping them plan for the future through retirement plans, employee benefit plans, debt solutions, long-term care insurance, and additional insurance products. RED Financial is passionate about giving back to the community, actively supporting organizations such as Operation Gratitude. It has partnered with over 50 carriers to offer a wide array of insurance options.

License Verified:

License: 0M11164

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 (4)
S. Barrett Insurance Agency, Inc. logo
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License Verified:

License: 0568342

California Department of Insurance

S. Barrett Insurance Agency, Inc.

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2775 Tapo Street, Simi Valley, CA 93063
  • Life Insurance
  • Health Insurance

Business Description

S. Barrett Insurance Agency, Inc., provides life coverage options for clients in the Santa Monica area. Its Farmers Life Insurance products include simple and decreasing term policies, which feature benefits for critical and terminal illnesses and accidental deaths. It also offers Farmers' universal life policy with a changeable death benefit option. Other personal lines of insurance include auto, home, health, and travel. For businesses, it has products such as commercial auto, employment practice liability, and small business workers' compensation. S. Barrett's clientele includes retailers, restaurants, contractors, and homeowners' associations.

License Verified:

License: 0568342

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sofi Insurance Services logo
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License Verified:

License: 0F00747

California Department of Insurance

Sofi Insurance Services

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16661 Ventura Boulevard, San Fernando Valley, CA 91436
  • Life Insurance
  • Health Insurance

Business Description

Sofi Insurance Services is a provider of life insurance plans to Santa Monica and surrounding communities. Its team of professionals takes care of insurance shopping to help clients find the right policy for their family's needs. It also offers health, annuity, student, dental, travel, and children's insurance options. Its life insurance coverage includes funeral, college education, and secondary expenses like loans and child support payments. Information about various insurance options can be found on its website.

License Verified:

License: 0F00747

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
Facebook
4.0 / 5 (22)
Google
5.0 / 5 (4)
Yelp
1.0 / 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
Steve D. Reich Insurance Agency, Inc. logo
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License Verified:

License: 0484756

California Department of Insurance

Steve D. Reich Insurance Agency, Inc.

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280 North Westlake Boulevard, Westlake Village, CA 91362
  • Life Insurance
  • Health Insurance

Business Description

Steve D. Reich Insurance Agency, Inc., is an independent insurance agency near Santa Monica that offers insurance products and services to clients in the metro. The firm is a member of the Farmers Insurance Group and was voted top insurance agency in the Conejo Valley area by The Daily News newspaper. It offers life insurance products such as term and whole life insurance plans that cover funeral costs, debts, and mortgage payments upon the policyholder's death.

License Verified:

License: 0484756

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Susman Insurance Agency logo
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License Verified:

License: 0B75129

California Department of Insurance

Susman Insurance Agency

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11611 San Vicente Boulevard, Los Angeles, CA 90049
  • Life Insurance
  • Group Plans
  • Long Term Care
  • Term Life Insurance

Business Description

Susman Insurance Agency is a family-owned insurance company that has provided the communities around Santa Monica with solutions to their insurance needs. It has offered term life, group term life, and lifetime level premium life insurance policy that can be customized according to its client's unique requirements for over two generations. The company delivers its services through a partnership with carrier companies, such as Mercury Insurance Company, United States Liability Insurance Group, Safeco Insurance, and Progressive.

License Verified:

License: 0B75129

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.
4.5
Google
4.9 / 5 (77)
Yelp
4.5 / 5 (65)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Matloff Company logo
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License Verified:

License: 0575783

California Department of Insurance

The Matloff Company

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9601 Wilshire Boulevard, Beverly Hills, CA 90210
  • Life Insurance
  • Health Insurance

Business Description

The Matloff Company is an insurance and financial services agency that has been serving Santa Monica since 1979. It provides life insurance products to individuals who want to protect their loved ones, financial goals, or business partnerships. With more than 75 years of combined experience, its team of professionals also specializes in health insurance, investments and retirement plans, and risk and financial management. The company has been recognized by various institutions like the Beverly Hills Bar Association and the Consumer Attorneys Association of Los Angeles.

License Verified:

License: 0575783

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 (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

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.