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2024

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Best Life Insurance Companies in El Cajon, CA

Our Recommended Top 18

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

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18Top Picks

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Providers

featured provider = Featured Provider

737 3rd Avenue, Chula Vista, CA 91910
WebsiteLicense: 0M48127

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
5.0 (5)
Yelp
5.0 (4)

Why choose this provider?

Vianca's Insurance & Financial Services has served El Cajon and the surrounding areas for more than ten years, serving the insurance needs of residents and local businesses. It helps clients gain access to individual and business packages from various insurance companies. It carries life insurance plans like permanent life, whole life, and universal life. Moreover, it provides commercial and retirement insurance plans for business clients. Company owner Blanca Montejano has over 16 years of experience in the industry.

  • Life Insurance

270 East Douglas Avenue, El Cajon, CA 92020
WebsiteLicense: 0G58336

Expertise.com Rating

Review Sources

Google
5.0 (24)
Yelp
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Headquartered in San Diego County, Koda Insurance Services is an insurance agency that provides insurance services to residents and businesses in El Cajon and the surrounding communities. The independent insurance firm carries life insurance plans across term life, whole life, universal, and variable universal options. It also provides commercial insurance packages that include general liability insurance, business owners' policy insurance, workers’ compensation insurance, and surety bonds. The agency was founded by Raymond Koda.

  • Life Insurance

7710 Balboa Avenue, San Diego, CA 92111
WebsiteLicense: 0E16922

Expertise.com Rating

Review Sources

Google
5.0 (63)
Facebook
5.0 (11)

Why choose this provider?

Prosper Insurance Solutions is an independent insurance agency that offers life insurance plans to residents in El Cajon, as well as the entire state of California. The firm also provides other types of personal insurance products, such as umbrella, boat, car, and homeowners', as well as business insurance. Additionally, it offers protection to homeowners, as well as condo and commercial property owners and renters, against damage caused by flooding to San Diego. Todd Payne, its agent, has been helping families secure their future since 1996.

  • Life Insurance

9484 Black Mountain Road, San Diego, CA 92126
WebsiteLicense: 0L48814

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Yelp
3.0 (4)

Why choose this provider?

J.R. Tolver is an insurance agent that serves clients from El Cajon and other cities. He offers life, home, and auto insurances. He also assists clients with their business and property insurance concerns. Tolver assesses queries in English and Spanish for clients who prefer to converse in this language. He strives to give clients insurance programs that suit their capacities and circumstances. Tolver is available for consultations on evenings and weekends on an appointment basis.

  • Life Insurance
  • Health Insurance

9699 Tierra Grande Street, San Diego, CA 92126
WebsiteLicense: 0B35148

Expertise.com Rating

Review Sources

Yelp
4.5 (27)
Facebook
5.0 (10)
Google
5.0 (5)

Why choose this provider?

Established in 1986, B.H. Gold Insurance Agency offers personal insurance options, including life insurance policies. This independently-owned agency represents insurance providers to match all kinds of individual and business needs. Its experienced insurance professionals assist individuals and families in El Cajon secure their financial future by surveying the marketplace and delivering options based on their needs and goals. B.H. Gold Insurance Agency also offers commercial insurance lines for restaurants, apartments, and pest control companies.

  • Life Insurance

6437 University Avenue, San Diego, CA 92115
WebsiteLicense: 0F34295

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (5)

Why choose this provider?

Payless Auto Insurance Broker, Inc., is a professional insurance company that serves residential and commercial clients in El Cajon and its surrounding cities. It offers a wide array of insurance products and services, including life, automobile, home, and mobile, and SR-22 insurance coverage. The company is managed by a team of professional insurance agents able to assist current policyholders during the insurance claims process and recommend suitable insurance coverage that meets their criteria. Payless Auto Insurance Broker also provides commercial property and general liability coverage. 

  • Life Insurance

2295 Fletcher Parkway, El Cajon, CA 92020
WebsiteLicense: 0279555

Expertise.com Rating

Review Sources

Facebook
5.0 (28)
Google
5.0 (9)
Yelp
4.0 (8)

Why choose this provider?

Kennedy Insurance has been providing insurance solutions in El Cajon since 1987. It is a locally owned and operated agency. It offers a wide variety of life insurance options, including individual life insurance, group life insurance, long-term care, and disability insurance as well as mortgage protection and second-to-die policy. Additionally, the company's agents assist with home and auto insurance, health insurance, and recreational vehicle insurance. Commercial, business, and specific industry insurance products are also available.

  • Life Insurance
  • Health Insurance

2220 Otay Lakes Road, Chula Vista, CA 91915
WebsiteLicense: 0E39330

Expertise.com Rating

Review Sources

Google
4.4 (34)
Yelp
5.0 (5)

Why choose this provider?

Bazurto Insurance Services is a full-service insurance agency that helps families, individuals, and businesses in El Cajon get the right insurance for themselves. It specializes in group life insurance, as well as auto, disability, and individual medical and dental insurance coverage plans. Some of its partner insurance carriers include Aetna, Anthem Blue Cross, United Healthcare, and Blue Shield. With a goal to provide quality customer service, its team strives to handle issues in each step of the insurance journey.

  • Life Insurance
  • Group Plans

9191 Towne Centre Drive, San Diego, CA 92122
WebsiteLicense: 0518721

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Mitch Ruibal is a financial advisor affiliated with LPL Financial who caters to clients in El Cajon and its surrounding areas. He provides assistance in obtaining life and long-term care insurance policies. Moreover, he also helps clients address estate conservation issues, investing principles, retirement distribution strategies, and risk management analysis. Mitch has been in the financial services industry for more than 14 years and holds a bachelor's degree in Economics. LPL Financial is a member of the FINRA and SIPC.

  • Life Insurance

3071 Gayla Court, Spring Valley, CA 91978
WebsiteLicense: 0F44186

Expertise.com Rating

Why choose this provider?

Hilanto Financial and Insurance Services, Inc., is an independent insurance provider serving Spring Valley and the surrounding areas, including El Cajon. Established in 1990, it specializes in helping clients obtain personal insurance, specifically health and life insurance. These coverages keep them protected and financially supported during life’s distressing events. Its head insurance agent, Amer Hilanto, connects with reputable carriers, such as Aetna, Prudential, and Cigna, to respond to the specific insurance needs of the company's clients.

  • Life Insurance
  • Health Insurance

236 Jamacha Road, El Cajon, CA 92019
WebsiteLicense: 0E55332

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Jenkins Financial Insurance Agency serves the life insurance needs of El Cajon and the surrounding communities. Founded in 1964, the agency operates independently and provides clients with access to a diverse network of insurance carriers, such as Assurity Life, Prudential, Transamerica Family Markets, and Global Atlantic. Depending on the client's needs, it can offer insurance policies such as term life insurance, universal life insurance, or whole life insurance. The agency also offers accidental death and long-term care benefits.

  • Life Insurance

9727 Los Coches Road, Lakeside, CA 92040
WebsiteLicense: 0455487

Expertise.com Rating

Why choose this provider?

Delivering insurance solutions and risk management products for more than half a century, Hal Rakowski Insurance is an independent agency serving clients in El Cajon. It offers personal coverages, such as life insurance, health insurance, homeowners insurance, and personal auto insurance. The company also provides commercial policies for commercial auto, general liability, inland marine, and workers’ compensation. A client praised how one of the company’s agents was able to give them insurance coverage that matched their budget.

  • Life Insurance
  • Health Insurance

PO Box 181710, Coronado, CA 92178
WebsiteLicense: 0L48182

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
5.0 (7)

Why choose this provider?

Wilson Insurance Brokers is a fourth-generation insurance company with over 60 years of experience in the industry. It specializes in full-range personal lines insurance, including life insurance. Whether clients need term life insurance, whole life insurance, or universal life insurance, the company brings a wide range of options from the 200 carriers it represents. The staff at this firm finds coverages suitable to clients' situations. The company is licensed in 14 states and serves El Cajon residents.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

26 3rd Avenue, Chula Vista, CA 91910
WebsiteLicense: 0B67308

Expertise.com Rating

Review Sources

Yelp
4.0 (7)

Why choose this provider?

Insurance 4 Less provides El Cajon residents with a wide range of insurance products like life insurance. Other coverage products it handles include homeowners insurance, commercial auto business insurance, health insurance, and Mexico insurance. Moreover, the company insures car owners, motorcycle owners, and boat and RV owners. It offers roadside assistance, manages the filing of claims, and provides registration services. Insurance 4 Less represents insurance carriers and serves clients throughout Chula Vista, Kearny Mesa, and Vista.

  • Life Insurance
  • Health Insurance

8315 La Mesa Boulevard, La Mesa, CA 91942
WebsiteLicense: 0M08728

Expertise.com Rating

Review Sources

Yelp
4.5 (11)
Google
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Webster Insurance Agency, Inc., offers life insurance solutions to clients in El Cajon and the surrounding areas. The professionals in the company are well-versed in a variety of insurance products and guidelines, helping clients choose the coverage that fits their needs. They help clients purchase various life insurance options, including term and whole life coverage. Additional options are also provided, including homeowners, umbrella, auto, and renters insurance In addition, commercial products, such as professional liability and workers' compensation, are also available.

  • Life Insurance

945 Otay Lakes Road, Chula Vista, CA 91913
WebsiteLicense: 0D02505

Expertise.com Rating

Review Sources

Yelp
4.0 (4)
Google
5.0 (1)

Why choose this provider?

Mark G. Witcher is an insurance agent with State Farm Insurance who offers personal and commercial lines in El Cajon and nearby areas. Mark assists individuals in acquiring a life insurance policy that can subsidize mortgages, college funds, debts, and general living expenses in the future. He and his team specialize in term life, whole life, and universal life insurance. His group also handles auto, home, health, and business insurance. Mark has been working at State Farm, a full-service insurance firm, since 2002.

  • Life Insurance
  • Health Insurance

8100 La Mesa Boulevard, La Mesa, CA 91942
WebsiteLicense: 0H65134

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (3)

Why choose this provider?

OP Insurance assists individuals, businesses, and families in El Cajon and the surrounding areas with purchasing insurance products that fit their needs and requirements. It helps its clients find policies, such as term life, whole life, and permanent life insurance, that take care of their family's needs after death, including burial expenses, uninsured medical bills, and daily living costs. OP Insurance was founded in 2011 and its agents work with a wide range of insurance carriers.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

1102 North 2nd Street, El Cajon, CA 92021
WebsiteLicense: 0B81314

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
4.5 (10)

Why choose this provider?

Denise Laughery is an insurance agent and the owner of Denise Laughery Insurance Services, Inc. The business is an independent agency that serves families and businesses in the community of El Cajon and its surrounding areas. It specializes in life, health, vision, and dental insurance. It also works with several insurance carriers, such as Western Health Advantage, Molina Healthcare, and L. A Care Health Plan. In addition, Laughery's company provides insurance coverage types that include senior, child only, and individual and family plans.

  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Vianca's Insurance & Financial Services
737 3rd Avenue, Chula Vista, CA 91910
Koda Insurance Services
270 East Douglas Avenue, El Cajon, CA 92020
Prosper Insurance Solutions
7710 Balboa Avenue, San Diego, CA 92111
J.R. Tolver
9484 Black Mountain Road, San Diego, CA 92126
B.H. Gold Insurance Agency
9699 Tierra Grande Street, San Diego, CA 92126
Payless Auto Insurance Broker, Inc.
6437 University Avenue, San Diego, CA 92115
Kennedy Insurance
2295 Fletcher Parkway, El Cajon, CA 92020
Bazurto Insurance Services
2220 Otay Lakes Road, Chula Vista, CA 91915
Mitch Ruibal
9191 Towne Centre Drive, San Diego, CA 92122
Hilanto Financial and Insurance Services, Inc
3071 Gayla Court, Spring Valley, CA 91978
Jenkins Financial Insurance Agency
236 Jamacha Road, El Cajon, CA 92019
Hal Rakowski Insurance
9727 Los Coches Road, Lakeside, CA 92040
Wilson Insurance Brokers
PO Box 181710, Coronado, CA 92178
Insurance 4 Less
26 3rd Avenue, Chula Vista, CA 91910
Webster Insurance Agency, Inc.
8315 La Mesa Boulevard, La Mesa, CA 91942
Mark G Witcher
945 Otay Lakes Road, Chula Vista, CA 91913
OP Insurance
8100 La Mesa Boulevard, La Mesa, CA 91942
Denise Laughery
1102 North 2nd Street, El Cajon, CA 92021

FAQs

  • Can El Cajon residents convert their term life policies to a more permanent insurance solution?

    Term life insurance policies in El Cajon can be converted into more permanent risk management solutions, like whole life or universal life insurance. However, this conversion requires a rider or provision within the policy, allowing policyholders to make this change at a specific time during the policy's duration.

  • Are there age restrictions or health requirements when applying for final expense whole life insurance in El Cajon?

    In El Cajon, there is no need for a physical examination when applying for a final expense life insurance policy. Insurance providers or their representatives just conduct a brief telephone interview with applicants. Moreover, this type of insurance cannot be canceled due to age or changes in one's health status. It also offers a tax-free benefit, and consistent premiums are guaranteed for the duration of the policyholder's life.

  • How much does life insurance cost for a 35-year-old, healthy, and non-smoking individual in El Cajon?

    The monthly life insurance premium for a 35-year-old resident of El Cajon who is in good health and does not smoke typically ranges from $17 to $55. Premiums can differ between insurance providers as they take into account factors like gender, risk profiles, and lifestyle standards. Rates also vary across states.

  • Is life insurance a viable means of replacing income for El Cajon families should the insured individual pass away?

    Yes. To determine the appropriate coverage level for El Cajon life insurance policyholders, they should assess their yearly earnings and calculate the number of years' worth of income required to provide for their dependents. They must also consider future financial obligations, such as funding their children's college education and securing their spouse's retirement savings.

  • Are there life insurance policies that do not require a medical exam in El Cajon?

    While life insurance policies in El Cajon typically require a medical examination to assess eligibility, there are alternatives known as "no medical exam" policies. Because carriers assume greater risk with these policies, they come at a higher cost than traditional life insurance. They are particularly suitable for individuals in good health seeking coverage without the inconvenience of a medical examination.

  • 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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