Expertise.com

2024

Last updated:

Best Life Insurance Companies in Victorville

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Victorville Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

5415Reviewed

3250Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
17133 Main Street, Hesperia, CA 92345
  • Life Insurance
  • No Exam Policies

Why choose this provider?

Midgard Life Insurance Services is a local agency serving the insurance needs of Victorville residents. The company's senior life agent and team leader, James Roberts, provides custom life insurance with payment plans that meet the clients' budget considerations. Roberts and his team also offer final expense insurance policies that protect clients financially from premature death. These cover burial costs, medical bills, legal fees, and outstanding debts. In addition, Midgard Life Insurance Services guides policy buyers throughout the whole application process.

License Verified:

License: 0L87785

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 (15)

Website
16956 Bear Valley Road, Victorville, CA 92395
  • Life Insurance
  • Health Insurance

Why choose this provider?

Matthew Hawkins is a State Farm insurance agent who has been servicing the Victorville community since 2005. He previously worked in the entertainment industry before pursuing a career as an insurance agent. He now provides term, whole, and universal life insurance coverage options to individuals and their families The policies are also available for small businesses which serve different purposes such as business continuation, key employees, employee benefits, and key employee incentives. Matthew also offers auto, health, and pet insurance.

License Verified:

License: 0C98085

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 (59)
Yelp
3.5 / 5 (7)

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

Website
14477 Amargosa Road, Victorville, CA 92392
  • Life Insurance

Why choose this provider?

Away Out is an insurance company that caters to individuals and companies in the Victorville area. It offers life insurance policies to clients who are interested in ensuring their safety and their loved ones. The firm also handles home and auto insurance. In addition, it provides other options such as bail bonds and ID defense that aim to protect customers' reputations and institutional records. Furthermore, Away Out assists people who need will, trust, and notary services.

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)

FAQs

  • Which government agency oversees life insurance companies in Victorville?

    The regulation of life insurance policies in Victorville and the rest of California falls under the jurisdiction of the California Department of Insurance. The agency's scope of support includes various vital tasks to protect consumers. These include granting licenses to insurance agents and brokers, overseeing insurer financial stability, addressing customer grievances, investigating and prosecuting insurance scams, and running market conduct reviews.

  • Does Victorville have legislation that regulates disputes with life insurance?

    The Employee Retirement Income Security Act of 1974, or ERISA, sets specific federal rules for individuals who have group life insurance policies through their jobs. If your life insurance plan in Victorville is regulated by ERISA, then you must first exhaust the internal appeals process of the insurance company before proceeding to court.

  • What is the process for obtaining life insurance in Victorville?

    Getting life insurance in Victorville generally involves the following:

    • A 30-minute physical exam at your home, which may include measuring your height, weight, and blood pressure.
    • A review of your insurance experiences, interests, family health history, and medical circumstances via a 20-minute phone interview.
    • A determination of your life insurance eligibility and pricing by the underwriter.
  • What is the processing time for a life insurance payout in Victorville?

    Claim processing typically takes two to five days after receiving the claim form and all necessary supporting documentation. State laws also indicate that a Victorville life insurance provider must accept or deny a claim within 40 days after the provider has received verification of death. If you feel like your life insurance agency is acting in bad faith, you may either get in touch with the California Department of Insurance or an experienced insurance lawyer in Victorville.

  • Does a life insurance policy become community property if someone gets divorced in Victorville?

    A life insurance policy becomes community property if someone gets divorced but only if the insurance was purchased during the marriage. In Victorville, designating a former spouse as the beneficiary of a life insurance policy before or during marriage is generally valid, unless:

    • The property settlement or divorce decision states otherwise.
    • Policyholders change beneficiary designations.
    • Insurance contracts nullify beneficiary designations following divorce.
    • The former spouse lawfully relinquishes the policy.
  • 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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