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2024

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Best Life Insurance Companies in Downey, CA

Our Recommended Top 9

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 Downey 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.

5067Reviewed

3043Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11138 Downey Avenue, Downey, CA 90241
WebsiteLicense: 6004404

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
5.0 (7)

Why choose this provider?

Downey Insurance & Financial Services is an insurance agency that caters to individuals and businesses in Downey and its surrounding areas. It partners with various insurance carriers, including Aetna, Bristol West Insurance Group, MetLife, and UnitedHealthcare. Its products include life, Medicare, home, group health, and auto insurance policies. Moreover, commercial, dental, umbrella, vision, and workers' compensation insurance plans are provided. Downey Insurance & Financial Services focuses on customer service by offering personalized solutions, depending on the clients' needs.

  • Life Insurance
  • Health Insurance

5211 East Washington Boulevard, Commerce, CA 90040
WebsiteLicense: 0J10190

Expertise.com Rating

Review Sources

Google
5.0 (45)
Yelp
4.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Kimberly Salas is a State Farm agent providing life insurance products to clients in Downey. She assists clients in choosing an insurance policy that fits their needs, such as term life, whole life, and universal life policies. She also offers survivorship universal life and joint universal life that covers two individuals in one policy. These include financial assistance for mortgages and estate expenses. Additionally, Kimberly is a member of the Industrial Council Chamber of Commerce and speaks both English and Spanish.

  • Life Insurance
  • Health Insurance

9900 Lakewood Boulevard, Downey, CA 90240
WebsiteLicense: 0F94900

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Joel Gonzalez Insurance Agency is a full-service insurance brokerage that offers risk management and insurance solutions for residents in Downey and nearby cities. It has comprehensive life insurance programs that help cover long-term care costs while protecting savings plans. Aside from personal insurance policies, the firm has business lines coverage, such as commercial auto, business owner policies, and workers' compensation. Moreover, it also offers financial services like investment funds and retirement plans.

  • Life Insurance

6631 Eastern Ave #A, Bell Gardens, CA 90201
WebsiteLicense: 0G63229

Expertise.com Rating

Review Sources

Google
5.0 (175)
Facebook
4.0 (29)
Yelp
4.0 (5)

Why choose this provider?

InVision Insurance Services is an independent insurance agency that serves individuals and businesses in Downey. The husband-and-wife team of Rafael and Cristina Arredondo started the company in 2009. As independent agents, they offer various insurance solutions from different insurance carriers to help clients find the right policy that best meets their needs. They educate clients on different policies and coverages to enable them to make informed decisions. Products include life insurance, home insurance, car insurance, and small business insurance.

  • Life Insurance

8141 2nd Street, Downey, CA 90241
WebsiteLicense: 0316914

Expertise.com Rating

Review Sources

Google
4.8 (6)

Why choose this provider?

Don Dixon & Associates is an insurance agency operating in Downey that offers a wide array of personal and business insurance lines, including life insurance. The agency has been serving individuals, families, and business owners for more than 50 years and has been their local resource for insurance solutions. It has access to a broad range of markets through its general agents and brokers. Don Dixon & Associates also offers other insurance products, such as general liability, bonds, auto, and home insurance policies.

  • Life Insurance

4224 Firestone Boulevard, South Gate, CA 90280
WebsiteLicense: 6003880

Expertise.com Rating

Review Sources

Google
4.0 (47)
Yelp
4.0 (11)

Why choose this provider?

MS Insurance Services is an independent insurance firm that serves clients in the Downey area. It offers a range of life insurance policies, which help clients pay for their final expenses, create an inheritance for their heirs, and build a source of savings. Its policies include term life and whole life. The company also provides risk protection plans for commercial properties, homes, automobiles, and workers' compensation. The firm has been in operation for over 25 years.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

10833 Downey Avenue, Downey, CA 90241
WebsiteLicense: 0686483

Expertise.com Rating

Review Sources

Yelp
5.0 (3)
Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Guadalupe Diaz is a life insurance agent based in Downey. She offers policies that cover clients in unforeseen events. These policies protect their loved ones and dependents according to the availed coverage. Guadalupe offers three life insurance types, namely term life insurance, whole life insurance, and universal life insurance. Other services that she offers include home insurance, auto insurance, business insurance, and recreational insurance. She accommodates English and Spanish-speaking clients.

  • Life Insurance
  • Health Insurance
  • Individual Plans

200 East Beverly Boulevard, Montebello, CA 90640
WebsiteLicense: 0H12609

Expertise.com Rating

Why choose this provider?

Vanessa Garcia is a local State Farm agent that has been serving clients in Downey and the surrounding areas for more than 14 years. She offers a wide range of insurance products that include pet, life, property, business, auto, and health. She and her team provide professional assistance with homeowners' quotes and out-of-state relocations. Vanessa also helps clients with banking insurance. She is a long-term resident of Hacienda Heights and is fluent in Spanish.

  • Life Insurance
  • Health Insurance

2210 West Beverly Boulevard, Montebello, CA 90640
WebsiteLicense: 0H78649

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Stella Health Insurance Agency, Inc., is an independent service provider that assists clients in Downey and its nearby areas. It offers life and health insurance from over 30 insurance carriers. Its life insurance coverages fall under term, whole life, universal life, and final expense. The agency also manages Medicare plans and Covered California assistance. Its team strives to explain what each option entails and the processes that clients must take note of pre- and post-insurance purchase.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Downey Insurance & Financial Services
11138 Downey Avenue, Downey, CA 90241
Kimberly Salas
5211 East Washington Boulevard, Commerce, CA 90040
Joel Gonzalez Insurance Agency
9900 Lakewood Boulevard, Downey, CA 90240
InVision Insurance Services
6631 Eastern Ave #A, Bell Gardens, CA 90201
Don Dixon & Associates
8141 2nd Street, Downey, CA 90241
MS Insurance Services
4224 Firestone Boulevard, South Gate, CA 90280
Guadalupe Diaz
10833 Downey Avenue, Downey, CA 90241
Vanessa Garcia
200 East Beverly Boulevard, Montebello, CA 90640
Stella Health Insurance Agency
2210 West Beverly Boulevard, Montebello, CA 90640

Downey, CA Life Insurance FAQs

  • How do you determine the right amount of life insurance coverage in Downey?

    To determine appropriate life insurance coverage in Downey, you should undergo a comprehensive needs analysis. This process helps calculate the amount required to provide financial security for your loved ones in case of your untimely passing. The right amount of life insurance coverage depends on various factors, such as the number of dependents, future income potential, marital status, age, spouse's earning capacity, and existing debt.

  • Can a policyholder in Downey cancel a life insurance policy gift and redirect the proceeds to others?

    In Downey, once a policyholder has gifted a life insurance policy to a recipient, they generally cannot cancel the gift and redirect the proceeds to others. Even if the life insurance company did not recognize the bestowal, the recipient can still recover the proceeds from those who received them.

  • Who can benefit from universal life insurance in Downey?

    In Downey, individuals who want customizable life insurance coverage with death benefit options and flexibility in premium payments can benefit from universal life insurance. The policy appeals to those looking for extended coverage, possibly lasting beyond ages 80, 90, 100, or more. It allows policyholders to adjust their coverage and payments according to their current financial needs and circumstances.

  • Can a life insurance company in Downey terminate a policy immediately after a missed premium payment?

    No, life insurance companies in Downey cannot terminate a policy immediately after a missed premium payment. They are required to provide a grace period during which the policy remains active despite the missed payment. In California, the minimum grace period is 60 days, giving policyholders an opportunity to catch up on overdue premiums and maintain their coverage.

  • What rights do you have when someone meets with you in your home regarding the sale of a life insurance policy in Downey?

    You have the right to receive a written notice at least 24 hours before the meeting explaining its purpose, your right to invite others, and the ability to end the conference at any time. You can also contact the California Department of Insurance. Additionally, you have the right to receive information about the individuals visiting your home in Downey, including their names, license numbers, addresses, and phone numbers.

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