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Best Life Insurance Companies in Chico, CA

Our Recommended Top 17

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Chico 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.

4016Reviewed

2416Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2735 Esplanade, Chico, CA 95973
WebsiteLicense: 0F06687

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Chico-based Avrit Insurance Agency, Inc., caters to the insurance needs of the local community and the surrounding cities. Since 1984, the local and independent firm has been helping clients secure life insurance plans, including term life, whole life, and universal life insurance. Its team also furnishes policies that cover farms, ranches, vehicles, businesses, and healthcare expenses. Avrit Insurance Agency compares quotes and coverage types from several carriers such as Safeco, Travelers, Progressive, Foremost Insurance, and The Hartford.

  • Life Insurance
  • Health Insurance

102 Raley Boulevard, Chico, CA 95928
WebsiteLicense: 0614055

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Sweeney & Sweeney is an independent insurance agency serving clients in Chico and the surrounding areas. The firm provides the insurance coverage needs of individuals, families, and businesses. The company offers various life insurance policies, including term, permanent, group, and term combined with whole life insurance. It also deals with health insurance, employee benefits, and senior services. Sweeney & Sweeney shops across multiple insurance companies to help clients find and customize insurance plans that fit their needs and budget.

  • Life Insurance
  • Health Insurance

1277 East Avenue, Chico, CA 95926
WebsiteLicense: 0H38858

Expertise.com Rating

Review Sources

Google
5.0 (48)
Yelp
4.0 (4)

Why choose this provider?

Chris Grettum is a State Farm insurance professional based in Chico. One of the products he offers is life insurance, which includes whole life, universal life, or term life policy options. He assists clients throughout the process, from furnishing plans and adjusting policy terms to filing insurance claims. The second-generation State Farm professional, who opened his agency in 2014, realized the importance of insurance after he and his family lost their possessions due to a wildfire in 2007.

  • Life Insurance

426 Broadway Street, Chico, CA 95928
WebsiteLicense: 0L07979

Expertise.com Rating

Review Sources

Google
5.0 (51)
Yelp
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Jeff Fowler Insurance Services in Chico assist clients in acquiring insurance policies and filing insurance claims. It offers individual and group life, long-term care, disability, mortgage protection, and key person insurance. The company strives to maintain consistent communication with clients to address their concerns and educate them about the insurance process. Jeff Fowler Insurance Services partners with several carriers such as The Hartford and Pacific Life so that its staff can find coverage plans that match the client's needs.

  • Life Insurance
  • Individual Plans
  • Group Plans

995 Nord Avenue, Chico, CA 95926
WebsiteLicense: 4005203

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Erynn Doherty works as an insurance agent under State Farm and serves clients from her office in Chico. She carries life insurance programs that cover annuities and variable deferred annuities. Her other products include auto, home, property, health, business, and pet insurance. Doherty's team guides clients in understanding their insurance options and empowers them to make informed financial decisions. Doherty expands her services to clients in Butte County and the surrounding areas.

  • Life Insurance
  • Health Insurance

2611 Forest Avenue, Chico, CA 95928

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

American Steel Bridge LLC provides insurance and retirement solutions to clients in Chico. The company provides a choice of insurance plans with coverage for funeral expenses, mortgage protection, income replacements, and legacy gifts. Other plans include long-term care, Medicare Supplements, dental and vision, and annuities. The company is partnered with numerous insurance carriers, like Aetna and Humana, in providing these choices of coverage. Jeff Dean, the company's CEO, started as a field agent in the insurance industry in March 2006.

  • Long Term Care
  • Life Insurance

175 Cohasset Road, Chico, CA 95926
WebsiteLicense: 0E35719

Expertise.com Rating

Why choose this provider?

SavePro Insurance Solutions is a locally owned and operated insurance agency that has been serving individuals in Chico since 2008. The agency specializes in different types of life insurance, including term, whole life, universal life, and survivorship life insurance. It also provides coverage for automobile, home, and commercial insurance. SavePro Insurance Solutions was founded by Ragveer Bains and Paul Woodward. Since 2012, the agency has been rebranded from Bains & Woodward Insurance Services.

  • Life Insurance

2056 Talbert Drive, Chico, CA 95928
WebsiteLicense: 0L50933

Expertise.com Rating

Review Sources

Facebook
4.0 (6)
Google
3.0 (4)
Yelp
1.0 (1)

Why choose this provider?

Golden Apple Insurance & Financial Services Inc. is a Chico-based independent agency specializing in insurance options. It is a local company with a strong affinity for the community and helps teachers pay for supplies by hosting workshops. Golden Apple specializes in insurance options for educators and their families. The company's agents provide clients with life insurance and educate them on policies. It also provides auto, renters, and homeowners insurance. Aside from Chico, the company has another office in Red Bluff.

  • Life Insurance

976 Mangrove Avenue, Chico, CA 95926
WebsiteLicense: 6001567

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Withrow Insurance Services is a family-owned brokerage that has been serving residents and businesses in Chico since 2012. It offers a range of risk management solutions, including individual and group life insurance, as well as health coverage, Medicare, and retirement plans. Its founder, Heath Withrow, specializes in health insurance policies and Medicare Supplement. He was also included in the top 25 agents nationwide by Aetna. In addition, the staff at the brokerage has more than 20 years of combined experience in the industry.

  • Life Insurance
  • Health Insurance
  • Individual Plans

1530 Humboldt Road, Chico, CA 95928
WebsiteLicense: 0D94527

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
5.0 (4)

Why choose this provider?

Headquartered in Chico, Firm Foundations Insurance & Benefits Center is an independent insurance agency that provides insurance services to residents and businesses in the Chico area and the surrounding communities. It carries insurance plans like life insurance, health, dental, vision, and Medicare plans. Additionally, it offers group insurance benefits for business owners. Dale E. Penne Firm established Foundations Insurance & Benefits Center. He has had 25 years of experience serving the community through other businesses before establishing the company.

  • Life Insurance
  • Health Insurance

1268 Calla Lane, Chico, CA 95926
WebsiteLicense: 0G44957

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Nugent Insurance Brokers, LLC is a life insurance company that serves clients from Chico and its surrounding areas. The firm provides a wide range of life insurance options, such as term, whole, and universal. It also offers insurance policies for renters, vehicles, commercial properties, and workers' compensation. This third-generation business has been providing insurance solutions to the community for 30 years now. It was founded by Tom Sr., who believes in the value of small businesses.

  • Life Insurance

3221 Cohasset Road, Chico, CA 95973
WebsiteLicense: 0M30927

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Leftout Capital Insurance Services is a locally owned and operated agency that caters to individuals, families, and businesses in Chico and the surrounding areas. It has partnered with several insurance providers, such as American General Life, Lincoln National Life, Prudential Financial, and Pacific Life, to offer life insurance policies. Its team of professionals also carries disability, long-term care, and supplemental insurance options. For businesses, the agency customizes employee benefit, overhead expense, and IRS Section 125 insurance plans.

  • Life Insurance

500 Cohasset Road, Chico, CA 95926
WebsiteLicense: 0E41451

Expertise.com Rating

Review Sources

Facebook
5.0 (32)
Google
4.0 (28)
Yelp
5.0 (4)

Why choose this provider?

Chico Creek Insurance Services, LLC, is an independent insurance agency that provides clients in Chico and the surrounding areas with a team of specialists to address their insurance concerns. One of the products it offers is life insurance, which comes in different types such as universal life, traditional whole life, and variable universal life. Julio Ramirez is the president and owner of Chico Creek Insurance Services. Julio is bilingual and has been in the insurance industry for more than 13 years.

  • Life Insurance

260 Cohasset Road, Chico, CA 95926
WebsiteLicense: 0530743

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Buttes Insurance Agency has been providing insurance options to clients in the Chico area since 1948. It specializes in agribusiness and farm insurance products. It offers a wide variety of life insurance options, including individual life insurance, long-term care, disability insurance, and group life insurance, as well as mortgage protection and second-to-die policies. Additionally, the agency can assist with insurance coverage for home and auto, health, and recreational vehicles. Commercial, employee-related, and specific industry insurance products are also available.

  • Life Insurance

1166 Esplanade, Chico, CA 95926
WebsiteLicense: 0649607

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Dayton Sayer Insurance Agency has been providing insurance solutions to individuals, families, and businesses in Chico and the surrounding communities since 1960. It offers life insurance policies, as well as medical, dental, and vision insurance. It also helps clients aged 65 and above, including individuals with qualifying disabilities, to obtain Medicare Supplement plans. In addition, PPO and EPO health insurance options are available. David Sayer, the agency's president, has been in the insurance industry for more than three decades.

  • Life Insurance
  • Health Insurance
  • Group Plans

9341 Midway, Durham, CA 95938
WebsiteLicense: 0E50968

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Amator Horn Insurance Agency is a local, family-owned and independent insurance company serving clients in the Chico area. It facilitates insurance coverage for agri-business, commercial liability and auto, health and life, and personal insurance by working with various insurance companies. Its partnership with United Valley Insurance Agency, listed in the top 100 insurance agencies in the country, gives Amator working access with among the leading 60 coverage providers across the U.S. Its network with providers offers clients a variety of coverage options and insurance products.

  • Life Insurance
  • Health Insurance

55 Independence Circle, Chico, CA 95973

Expertise.com Rating

Review Sources

Google
4.9 (251)

Why choose this provider?

American Income Life: AO is an insurance company that provides its services to its clients in Chico and other territories in North America. It helps its customers acquire insurance policies to secure their life and health. In addition, it is the principal subsidiary of Global Life, which provides insurance solutions to credit and labor unions. AO's origins began in 1982 and it currently has more than 1,500 affiliates. Moreover, its mother company, Globe Life, handles 4.3 million policyholders and $86 billion of insurance.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Avrit Insurance Agency, Inc.
2735 Esplanade, Chico, CA 95973
Sweeney & Sweeney
102 Raley Boulevard, Chico, CA 95928
Chris Grettum
1277 East Avenue, Chico, CA 95926
Jeff Fowler Insurance Services
426 Broadway Street, Chico, CA 95928
Erynn Doherty
995 Nord Avenue, Chico, CA 95926
American Steel Bridge LLC
2611 Forest Avenue, Chico, CA 95928
SavePro Insurance
175 Cohasset Road, Chico, CA 95926
Golden Apple Insurance & Financial Services Inc.
2056 Talbert Drive, Chico, CA 95928
Withrow Insurance Services
976 Mangrove Avenue, Chico, CA 95926
Firm Foundations Insurance & Benefits Center
1530 Humboldt Road, Chico, CA 95928
Nugent Insurance Brokers, LLC
1268 Calla Lane, Chico, CA 95926
Leftout Capital Insurance Services
3221 Cohasset Road, Chico, CA 95973
Chico Creek Insurance Services, LLC
500 Cohasset Road, Chico, CA 95926
Buttes Insurance Agency
260 Cohasset Road, Chico, CA 95926
Dayton Sayer Insurance Agency
1166 Esplanade, Chico, CA 95926
Amator Horn Insurance Agency
9341 Midway, Durham, CA 95938
American Income Life: AO
55 Independence Circle, Chico, CA 95973

FAQs

  • Is there a catch in the ads of life insurance companies in Chico claiming “you can not be turned down"?

    The ads in Chico claim that applicants cannot be turned down because this insurance does not require health exams, hence the name. Such insurance is offered by insurers who balance risks by charging higher premiums or lowering coverage amounts. In most cases, these ads are for guaranteed life insurance policies, which may be a good option for consumers who are unhealthy but may cost more through the years than what can be obtained in benefits.

  • How can you cancel a term life insurance in Chico?

    You can cancel a term life insurance in Chico by not paying your premiums and letting your policy lapse, usually after the 30-day grace period. Other ways to cancel your insurance would be to write a letter or call your insurer. Terminating your term life insurance at any point does not entail penalties. Also, you may be able to get your money back if you cancel during the free-look period.

  • What are the usual exclusions in a life insurance policy in Chico?

    Death by suicide is the most common exclusion in a life insurance policy. However, this exclusion applies only for a certain period, which is two years in Chico and throughout California. Death from criminal activities is typically excluded from life insurance. Some less common exclusions include death during wartime or those related to dangerous hobbies or aviation incidents.

  • Should married couples in Chico each have their own life insurance?

    In certain situations, it makes sense for married couples to insure themselves. One is when both spouses are working to support the household, whereby the death of one can cause financial hardship to the family. Another situation would be if the couple has accumulated a lot of debts or has increasing expenses. In these cases, married couples in Chico can opt to buy separate or joint life insurance.

  • What happens to the cash value component when the insured in Chico dies?

    In most cases, when the insured passes away, the beneficiaries will only receive the death benefits no matter how much amount was accumulated in the cash value component. If there are loans, these will be subtracted from the death benefits in Chico. There are some whole life insurance policies that pay out both the cash value component and death benefits.

  • 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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