Expertise.com
2024

Last updated:

Best Life Insurance Companies in Westminster

Our Recommended Top 8

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 Westminster 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.

4035

Reviewed

2424

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
15577 Brookhurst Street, Westminster, CA 92683
  • Life Insurance
  • Health Insurance

Why choose this provider?

Best Care Tax & Insurance is a local and independent firm delivering insurance solutions to clients in Westminster and surrounding communities. The firm guides clients in choosing life insurance policies that are appropriate for their demands. It proffers life insurance policies for whole life, universal life, and term life. It handles requests for Medicare plans and Obamacare. A branch of PHP Insurance Services, Inc., it offers commercial insurance policies that include coverages for property, general liability, and workers' compensation.

License Verified:

License: 0M08684

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 (10)

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

Website
15440 Beach Boulevard, Westminster, CA 92683
  • Life Insurance

Why choose this provider?

The Nautilus Group is a life insurance agency that operates in Westminster, providing both term life and permanent life policies for its clients. It believes in open and candid communication with each client to discuss personal goals, family obligations, and possible coverage. This includes educating first-time customers about death benefits, final expenses, and income replacement. The agency is led by Ted Ngo, who has been a financial advisor since 2004. He and his team also provide fixed annuities and long-term care plans for seniors.

License Verified:

License: 0E47066

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.
3.6
Google
3.0 / 5 (3)
Facebook
4.5 / 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

Website
14256 Beach Boulevard, Westminster, CA 92683
  • Life Insurance
  • Health Insurance
  • Individual Plans

Why choose this provider?

Kelly Duong caters to the insurance needs of clients in Westminster. She delivers a wide variety of insurance products and services, including life, health, pet, auto, home and property, and business insurance. She also offers policy coverage for floods and earthquakes and handles annuities, banking, and mutual funds. Kelly has been in the financial industry for 12 years before working as an insurance agent for State Farm. She and her team value forging strong relationships with all of their clients.

License Verified:

License: 0K10725

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 (38)
Yelp
5.0 / 5 (25)
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

Website
6771 Westminster Boulevard, Westminster, CA 92683
  • Life Insurance

Why choose this provider?

Starwest Insurance Services, LLC, has been providing Westminster clients a varied selection of personal and business insurance products for over 20 years. It partners with several insurance carriers to provide clients with a scope of insurance products such as life, automobile, home, and business insurance. In addition, Starwest Insurance Services works to keep clients informed and educated about their options by showing them the available insurance rates from different carriers according to the client's chosen coverage.

License Verified:

License: 0H05097

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 (163)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
17195 Newhope Street, Fountain Valley, CA 92708
  • Life Insurance
  • Health Insurance

Why choose this provider?

Eric Ferraro comes from a family of insurance and financial professionals. He set up his own agency under State Farm to serve clients in Westminster and the surrounding areas. Ferraro helps families, individuals, and businesses manage risks and obtain insurance policies that protect their assets. He offers life insurance solutions that are available in term, whole, and universal categories. Ferraro is also able to provide insurance coverage options for vehicles, homes, health, pets, and properties.

License Verified:

License: 0H51328

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 (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

Website
18030 Brookhurst Street, Fountain Valley, CA 92708
  • Life Insurance

Why choose this provider?

I.M.P Financial Services is composed of independent financial advisors who handle the insurance and investment planning needs of Westminster residents. It offers life insurance, retirement planning, annuities, and long-term coverage that are tailor-made to its clients' financial goals. One of its services is a periodic review of tax rule changes, risk tolerance, market performance, and changes in life circumstances. In addition, it also enables clients to view their liabilities, account balances, and performance through a proprietary software.

License Verified:

License: 0523443

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14044 Magnolia Street, Westminster, CA 92683
  • Health Insurance
  • Life Insurance
  • Long Term Care

Why choose this provider?

Good Day Insurance is a one-stop platform in Westminster that provides a wide range of insurance options and financial services for individuals and small businesses. Its life insurance options include disability income, long-term care, and retirement. Medicare-related programs are available. Good Day Insurance also offers health, travel, dental, and vision insurance solutions. Additionally, the company assists with payroll, benefits, and other HR services. Its website has calculators and tools for paychecks, taxes, and salaries.

License Verified:

License: 0K04805

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.
3.6
Google
3.0 / 5 (13)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
14541 Brookhurst Street, Westminster, CA 92683
  • Life Insurance
  • Health Insurance

Why choose this provider?

Common Insurance Services Agency is a team of insurance professionals catering to the needs of Westminster. It specializes in life insurance plans with living benefits that cover long-term care for chronic and terminal illnesses. In addition, it creates health insurance programs for individuals, families, and small businesses. Its team also assists Medicare beneficiaries looking to optimize their plans with prescription coverages or Medigap. The company has staff members who speak Spanish, Vietnamese, Hokkien, Mandarin, and Taiwanese.

License Verified:

License: 0H94667

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 (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

Frequently Asked Questions

  • How does a term life policy differ from a permanent one in Westminster?

    A term life policy in Westminster is one that covers a portion of the life of the insured and generally has no living benefits or cash value. A permanent life insurance plan covers the entire life of the insured and has living benefits or cash value. The consequence of the added coverage is that premiums cost more.

  • Is it safe in Westminster to stay on the same policy without reviewing it?

    It might be safe in Westminster to stay on the same policy without review, but it is better to review the plan every year or whenever there is a major life event. A person may need to change beneficiaries and coverages when the circumstances of life change, like when getting divorced.

  • What are group life insurance policies in Westminster?

    Group life insurance policies in Westminster are products meant for employers who wish to cover the lives of multiple employees in the business. The coverage is basic and paid for by the company leadership, while each employee may buy additional protection on their own individual basis.

  • In Westminster, what differentiates the beneficiary from the insured in a life insurance policy?

    In Westminster, a beneficiary is a person who receives the proceeds of a life insurance policy if the contingency in an insurance policy is triggered. The insured is the person upon whose death the distribution of proceeds is contingent. It is possible in some insurance policies for the beneficiary and insured to be the same person.

  • Why do life insurance applicants in Westminster undergo medical exams?

    A medical exam in Westminster is used to determine the overall state of health of the insured. This is vital because the healthier someone is, the cheaper life insurance premiums will be. Insurers prefer to insure those who will live a long time because the odds of paying out early are lower the later the insured dies.

  • 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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