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Best Life Insurance Companies in El Monte, CA

Our Recommended Top 5

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 El Monte 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.

5142Reviewed

3087Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4260 Santa Anita Avenue, El Monte, CA 91731
WebsiteLicense: 0I03612

Expertise.com Rating

Review Sources

Google
4.0 (48)
Yelp
5.0 (5)

Why choose this provider?

Hector Feria is an insurance agent with State Farm, serving residents and businesses in El Monte. He offers a range of risk management solutions, including health and life insurance as well as coverage for pets, homes, properties, and automobiles. Additionally, he provides business policies and assistance for clients' banking needs. His office is staffed with insurance professionals who can speak English and Spanish. Clients can visit Feria's office, which is across the street from the El Monte Airport.

  • Life Insurance
  • Health Insurance

217 North Azusa Avenue, Azusa, CA 91702
WebsiteLicense: 0F09629

Expertise.com Rating

Why choose this provider?

Silver Star Financial Group, Inc., is a life insurance provider that serves the El Monte area. Its team of independent agents furnishes policies that provide protection for a lifetime and build cash value that can be used for retirement. They work with a number of carriers to find suitable policy options for clients, and these carriers include MetLife, The Hartford, American General, and Liberty Bankers Life. Silver Star Financial Group has been in service since 1997.

  • Life Insurance

18780 Amar Road, Walnut, CA 91789
WebsiteLicense: 0L25563

Expertise.com Rating

Why choose this provider?

Established in 2002, Timoseed Insurance Services is an insurance agency serving individuals and companies throughout the Greater El Monte area. It works with numerous carriers to help clients find coverage plans that suit their specific needs. Its insurance products include life insurance, business insurance, and personal insurance. The team of professionals at this company listens to customers' risk concerns and produces personalized suggestions based on their input. Timoseed Insurance Services also assists in insurance claim filing and conducts insurance consultations.

  • Life Insurance

4381 Peck Road, El Monte, CA 91732
WebsiteLicense: 0I43636

Expertise.com Rating

Review Sources

Google
4.0 (120)
Facebook
4.0 (9)
Yelp
5.0 (1)

Why choose this provider?

CGI Agency Insurance Specialist is a diversified insurance brokerage in El Monte. Its products include group life insurance, personal auto insurance, home insurance, commercial auto insurance, and motorcycle insurance. It has nearly five decades of experience in the insurance industry and over 25 years of service in California. It caters to the needs of simple businesses to big corporations. CGI Agency Insurance also serves individuals, families, companies, and industries to protect their savings and investments.

  • Life Insurance
  • Health Insurance

711 West Camino Real Avenue, Arcadia, CA 91007
WebsiteLicense: 0230717

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Giacopuzzi & Co., Inc., is a family-owned insurance company that provides services to its clients from all over the El Monte metro. Founded in 1928, it has been offering life insurance policies to individuals and businesses from several industries. In addition, it provides a variety of auto insurance, business insurance, and home insurance policies to its clients depending on their needs. It also has partnerships with carrier companies, such as Progressive, Foremost Insurance Group, and Safeco Insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Hector Feria
4260 Santa Anita Avenue, El Monte, CA 91731
Silver Star Financial Group, Inc.
217 North Azusa Avenue, Azusa, CA 91702
Timoseed Insurance Services
18780 Amar Road, Walnut, CA 91789
CGI Agency
4381 Peck Road, El Monte, CA 91732
Giacopuzzi & Co Inc.
711 West Camino Real Avenue, Arcadia, CA 91007

FAQs

  • Can your spouse claim your life insurance benefits in El Monte if you didn’t name them as a beneficiary?

    California recognizes community property, so if the policy was purchased in El Monte while you were married and marital funds were used to pay for it, your spouse is entitled to a share even though they're not listed as a beneficiary. Furthermore, you need your spouse's written consent to add someone else as a beneficiary or make policy changes. Do note that your spouse may waive their community property rights.

  • Do life insurance policyholders in El Monte get a grace period for missed premium payments?

    Under California Insurance Code 10113.71, life insurance companies in El Monte are required to provide policyholders with a grace period of a minimum of 60 days for unpaid premiums. The period starts counting from the missed premium’s due date. You should settle the overdue premium within this period or your policy will lapse.

  • Who gets the life insurance death benefits in El Monte if there are no beneficiaries listed on the policy?

    If there were no beneficiaries or the beneficiaries have all passed away before the insured’s death, the life insurance proceeds will be paid toward the insured’s estate in El Monte. The estate will then go through probate. Policyholders should designate primary and contingent beneficiaries to avoid the proceeds going to the estate and getting taxed. Contingent beneficiaries will receive the death benefit if the primary beneficiaries are no longer living.

  • How does a bad driving record affect your life insurance rates in El Monte?

    If you have two or more traffic violations in the last three years or a DUI/DWI conviction in the last two years, most life insurance companies in El Monte will charge you a higher rate, about 35% higher than average. People with traffic violations and convictions are riskier to insure as reckless drivers have a higher chance of dying early. In fact, if you have multiple DUIs, some companies would refuse to insure you.

  • How long is the contestability period for life insurance policies in El Monte?

    Under California Insurance Code Section 10113.5, the contestability period is two years from the date the policy was issued or reinstated. During this period, the insurance company should review the application and rescind or void the policy if any misrepresentation is found. After the contestability period passes, the El Monte insurer can no longer cancel the policy or deny an insurance claim for material misrepresentation.

  • 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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