Expertise.com Homepage

2025

Last updated:

Best Life Insurance Companies in Apple Valley, CA

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 Apple Valley 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.

3199Reviewed

1920Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

16048 Tuscola Road, Apple Valley, CA 92307
WebsiteLicense: 0I18158

Expertise.com Rating

Review Sources

Google
4.0 (7)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Guy Burnett is a State Farm insurance agent based in Apple Valley. Guy helps residents and businesses manage financial risks through a range of insurance products, including life, health, home, and auto insurance plans. He educates his clients about available life insurance options, such as term, universal, and whole life insurance, and aid in determining appropriate coverage packages, including cash value build-ups, lifelong protection, or a combination of these two. Guy has been living in the High Desert area since 1983.

  • Life Insurance
  • Health Insurance

22617 California 18, Apple Valley, CA 92308
WebsiteLicense: 0E81060

Expertise.com Rating

Review Sources

Facebook
4.9 (50)
Yelp
5.0 (11)
Google
4.7 (10)

Why choose this provider?

Vineyard Insurance Services is a family-owned insurance agency that has been serving Apple Valley and the neighboring communities since 2004. It offers life insurance solutions, including term life, whole life, universal plan, and guaranteed life policies. The company also provides vehicle, recreational, property, and business insurance products. In addition, commercial clients can choose from several policies such as professional liability, commercial auto, and workers' compensation insurance. The staff at Vineyard Insurance Services has more than 35 years of combined experience in the industry.

  • Life Insurance
  • Health Insurance

21735 California 18, Apple Valley, CA 92307
WebsiteLicense: 0C86169

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

The Term Team handles the insurance needs of its clients in the Apple Valley area. It works with multiple carriers to provide life, health, and final expense insurance options. Moreover, it offers annuities and dental insurance. The company also specializes in dealing with Medicare-related assistance for seniors, offering them original Medicare plan that helps with hospital costs and outpatient care. Additionally, it gives senior citizens different options for their supplemental plans, including Medicare Advantage and Medicare Supplement.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Guy Burnett
16048 Tuscola Road, Apple Valley, CA 92307
Vineyard Insurance Services
22617 California 18, Apple Valley, CA 92308
The Term Team
21735 California 18, Apple Valley, CA 92307

Apple Valley, CA Life Insurance FAQs

  • Are spouses automatically become the life insurance beneficiary if their partner dies in Apple Valley?

    Not at all. A spouse may not be a life insurance beneficiary in Apple Valley for a variety of reasons, including failure to change the beneficiary designation after marriage, a deliberate decision to exclude the surviving spouse, or the deceased spouse's selection of an alternative beneficiary, such as an adult child or a charitable organization. There is also the possibility that the survivor spouse acquires additional assets of equal or greater value.

  • Can you claim life insurance for a person who is not a relative in Apple Valley?

    Yes, you can claim a death benefit in Apple Valley life insurance on a person who is not a relative if you have an insurable interest in them. To have an insurable interest in someone means that their death would put you in a lot of trouble financially. While insurable interest is usually present in blood relationships, it may be absent in other situations unless proof of financial dependence can be provided.

  • Can you liquidate life insurance in Apple Valley?

    In Apple Valley, the cash value component of a permanent life insurance policy is considered liquid assets. This option allows the policyholder to invest their premiums at a predetermined interest rate and access the funds on a regular basis via loan or withdrawal while the insured is still alive. Furthermore, the borrowed funds continue to accrue interest. This type of policy does not require any additional collateral or repayment schedule.

  • Can life insurance beneficiaries have the payout distributed throughout their life in Apple Valley?

    Beneficiaries in Apple Valley have several options for receiving their life insurance payout, including receiving payments in installments as an annuity, which provides a steady stream of income for the rest of the beneficiary's life. Furthermore, if the recipient has a long life expectancy, an annuity may be more valuable than a lump sum.

  • Is it possible to get reduced Apple Valley life insurance rates by modifying your lifestyle?

    You may qualify for lower Apple Valley life insurance rates by changing your lifestyle. For example, if your current policy was based on health risks such as hypertension, you could try to lower your blood pressure, lose weight, and change your diet. You can apply for a rate reduction reevaluation of your coverage every year, in addition to making any necessary policy changes. If your current insurer does not provide this option, it may be worthwhile to look for new coverage.

Related Articles

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2025

Our top pick for the best life insurance company of 2024 is MassMutual, which features a wide variety of policies and riders ...

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...