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Best Life Insurance Companies in Visalia

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2023
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California Life Insurance Agency logo

License Verified:

License: 6001377

California Department of Insurance

California Life Insurance Agency

3106 South Mooney Boulevard, Visalia, CA 93277
  • Life Insurance

Business Description

California Life Insurance Agency is a life insurance company serving the needs of individuals and families in Visalia. The firm helps policyholders in safeguarding the financial future of their loved ones with a life insurance plan. The firm represents multiple carriers throughout the country that can deliver different kinds of life insurance products. These include whole life, term life, final expense, guaranteed and index universal life, annuities, and accidental health plans. The company aims to become a one-stop-shop for all life insurance needs.

License Verified:

License: 6001377

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 (23)
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
Carl Nelson Insurance Agency, Inc. logo
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License Verified:

License: 0688113

California Department of Insurance

Carl Nelson Insurance Agency, Inc.

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2336 West Sunnyside Avenue, Visalia, CA 93277
  • Life Insurance
  • Health Insurance

Business Description

Carl Nelson Insurance Agency, Inc., provides insurance services to customers in Visalia. It offers life insurance plans including term life insurance, whole life insurance, and universal life insurance. The business also provides ag insurance that covers various agribusiness perils such as destructive weather, livestock disease, insect damage, fire and smoke damage, and falling objects. Other services include health insurance, homeowners insurance, auto insurance, and commercial insurance. The agency has been serving clients since 1977 and now has over 25 trained and experienced employees.

License Verified:

License: 0688113

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
Facebook
4.0 / 5 (4)
Yelp
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
Central Sequoia Insurance & Financial Services LLC logo
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License Verified:

License: 0H38050

California Department of Insurance

Central Sequoia Insurance & Financial Services LLC

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4142 South Demaree Street, Visalia, CA 93277
  • Life Insurance

Business Description

Central Sequoia Insurance & Financial Services LLC is an insurance provider located in Visalia. As a multi-line independent insurance agency, it offers a wide range of insurance solutions to individuals, families, and businesses in the communities it serves. Its professional agents take care of shopping for quotes from several reputable carriers to present clients with life insurance plans that will fit their specific needs and preferences. Available life insurance options include term life policies and whole life or universal life insurance.

License Verified:

License: 0H38050

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 (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
David Molano Insurance Services logo

License Verified:

License: 0G47634

California Department of Insurance

David Molano Insurance Services

600 West Acequia Avenue, Visalia, CA 93291
  • Life Insurance
  • Health Insurance

Business Description

David Molano Insurance Services offers a range of insurance products from various companies to clients in and around Visalia. It provides term life insurance plans, which clients can eventually convert to whole life policies. It also assists those looking to secure Medicare, disability, or health insurance plans. Home, auto, and business policies are likewise available. Owner David Molano is committed to providing personalized customer service. He assesses clients' specific needs so he can customize a policy that best suits their situations.

License Verified:

License: 0G47634

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 (11)

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
DG Insurance logo
Visit WebsiteWebsite

License Verified:

License: 0602845

California Department of Insurance

DG Insurance

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502-A North Kaweah Avenue, Exeter, CA 93221
  • Life Insurance
  • Health Insurance

Business Description

DG Insurance is an independent insurance agency that provides services to clients in the Visalia area and its neighboring communities. With over 40 years of industry experience, the agency helps clients secure life insurance policies that fit their current needs and goals. It is affiliated with a vast network of insurance policy providers and also gives assistance with claims, adjusting coverages, and billing questions. Other insurance types being offered by the agency include home, auto, business, and workers' compensation insurance.

License Verified:

License: 0602845

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Hobbs-Potts & Associates logo
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License Verified:

License: 0G66555

California Department of Insurance

Hobbs-Potts & Associates

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1317 West Center Avenue, Visalia, CA 93291
  • Life Insurance
  • Health Insurance

Business Description

Hobbs-Potts & Associates is an independent insurance agency based in Visalia. It provides personal, health, captive, and business insurance. The agency also presents life insurance options classified into four types: whole, term, variable annuity, and retirement plans. Its team directs clients to the most appropriate option for their distinct situations. They commit to aiding clients in preparing and supplying the coverage instated in their availed insurance plan for the clients' families. Hobbs-Potts & Associates renders 24/7 online customer service for its clients.

License Verified:

License: 0G66555

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)
Karen Munger Insurance Services logo
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License Verified:

License: 0D73967

California Department of Insurance

Karen Munger Insurance Services

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231 North Kaweah Avenue, Exeter, CA 93221
  • Life Insurance
  • Health Insurance

Business Description

Karen Munger Insurance Services is an Exeter-based insurance agency that offers various insurance plans to Visalia residents. Serving individuals and small groups, the agency specializes in life insurance plans and long-term care and final expense insurance. The company also provides a wide range of health insurance policies, including Medicare Supplements, Medicare Prescriptions, and Medicare Advantage plans. Karen Munger Insurance Services is an independent insurance company, bringing a wide selection of insurance products from multiple carriers.

License Verified:

License: 0D73967

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Lewis Insurance logo

License Verified:

License: 0249600

California Department of Insurance

Lewis Insurance

1108 Leland Avenue, Tulare, CA 93274
  • Life Insurance
  • Health Insurance

Business Description

Lewis Insurance is an independent insurance agency that provides insurance services to residents and businesses in Visalia and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life and health insurance plans like term life policies, whole life insurance, dread disease policy, HMO, and surgical policies. Additionally, it provides personal insurance packages like auto, boating, classic car, motorcycle, home, and RV insurance. Jerry Lewis is the agency’s principal. He has been in the firm since 1980.

License Verified:

License: 0249600

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.
4.2
Google
4.0 / 5 (7)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Modern Edge Insurance Brokers, Inc logo
Visit WebsiteWebsite

License Verified:

License: 0L36401

California Department of Insurance

Modern Edge Insurance Brokers, Inc

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525 West Main Street, Visalia, CA 93291
  • Life Insurance
  • Health Insurance

Business Description

Modern Edge Insurance Brokers, Inc., is an independent company helping clients across the Visalia area. The firm offers a wide variety of personal insurance solutions, including life, auto, renters' and health insurance. Its professionals also help clients with earthquake and flood insurance. Furthermore, Modern Edge Insurance Brokers, Inc., guides commercial clients with business insurance that includes protection against cyber liability, employment practice liability, and pollution liability. Blue Cross, Liberty Mutual, and John Hancock count among the company's insurance partners.

License Verified:

License: 0L36401

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.
4.7
Google
5.0 / 5 (33)
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
Mota Insurance Agency logo

License Verified:

License: 6001239

California Department of Insurance

Mota Insurance Agency

1932 West Sunnyside Avenue, Visalia, CA 93277
  • Life Insurance

Business Description

Mota Insurance Agency is an independent company serving business owners, families, and individuals in the Visalia area. It represents various insurance carriers like Nationwide and Progressive. The company can help clients find the right life insurance coverage to protect their families and loved ones. It also offers other personal plans, such as homeowners', auto, and umbrella insurance. Mota Insurance Agency is led by Maria and Juan M. Mota Jr. They are insurance professionals who bring over 45 years of combined experience in the industry.

License Verified:

License: 6001239

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
Google
4.0 / 5 (20)
Facebook
5.0 / 5 (16)
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
Nate Wingert logo
Visit WebsiteWebsite

License Verified:

License: 0H94185

California Department of Insurance

Nate Wingert

Visit WebsiteWebsite
1910 West Whitendale Avenue, Visalia, CA 93277
  • Life Insurance
  • Health Insurance

Business Description

Nate Wingert is an insurance agent of State Farm, serving clients in Visalia and the surrounding areas. He offers a wide variety of insurance products such as auto, life, health, home, renters, and condo. Insurance plans that are customized may also be provided. Nate also offers business insurance to small businesses. Life insurance comes in various types such as term life, whole life, and universal life. He and his team can speak both English and Spanish.

License Verified:

License: 0H94185

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
4.0 / 5 (33)
Facebook
5.0 / 5 (10)
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
NSE Insurance Agencies, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 0496557

California Department of Insurance

NSE Insurance Agencies, Inc.

Visit WebsiteWebsite
160 South D Street, Exeter, CA 93221
  • Life Insurance
  • Health Insurance

Business Description

NSE Insurance Agencies, Inc. is an independent insurance agency that serves clients in Visalia. It provides a wide variety of insurance products, including life insurance. Its clients may choose term insurance or permanent insurance depending on their specific requirements and financial goals. The company also has access to over 100 carriers to match its clients' unique needs. In addition to life insurance, the firm also offers auto, home, health, business, and farm insurance coverage options.

License Verified:

License: 0496557

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rona R Swanson logo

License Verified:

License: 0699716

California Department of Insurance

Rona R Swanson

829 West Center Avenue, Visalia, CA 93291
  • Life Insurance

Business Description

Rona R. Swanson is an insurance agent who works with American National and serves clients in the Visalia area. She offers life insurance policies to help customers ensure their loved ones are financially secured in the future. Her range of products includes term life, universal life, whole life, and indexed universal life. She also provides business, classic car, and health insurance plans. Swanson serves local organizations, such as Spirit 88.9 Radio and Small Town Cruizers Car Club. She has been in the industry since 1986.

License Verified:

License: 0699716

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.
4.7
Google
4.0 / 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.
4.0
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.