Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in Elk Grove, CA

Our Recommended Top 17

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 Elk Grove 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.

7408Reviewed

4451Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2951 West Capitol Avenue, West Sacramento, CA 95691
WebsiteLicense: 0G93016

Expertise.com Rating

Review Sources

Yelp
3.0 (2)

Why choose this provider?

Cal-West Insurance is a life insurance company that serves clients in the Elk Grove area. Founded in 1998, the company currently provides coverage to more than 40 different companies in the major metropolitan areas of California. The institution also offers other services, such as auto insurance, home insurance, RV insurance, and boat insurance. The professionals at this company also aid business owners in purchasing general liability insurance, errors and omissions coverage, and umbrella policies.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

9700 Business Park Drive, Sacramento, CA 95827
WebsiteLicense: 0F21878

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Dillon Financial Services is an insurance company located in Sacramento. Serving clients throughout Elk Grove and its neighboring communities, the company offers a wide range of financial services, including insurance plans. It offers life insurance planning for individuals and families, offering term life insurance, permanent life insurance, participating or whole life insurance, variable life insurance, and universal life insurance. Company principal Jim Dillon is a certified financial planner and a licensed California life and health insurance agent. He has been in the industry since 2006.

  • Life Insurance

P. O. Box 2119, Cameron Park, CA 95682
WebsiteLicense: 0467457

Expertise.com Rating

Why choose this provider?

Chester & Associates Insurance Services is an agency that offers life insurance packages in Elk Grove. It delivers permanent, term, whole, and universal coverage plans. Its team of professionals educates individuals about the importance of preparing for life's unexpected events by learning how to secure their families' future. In addition, health, auto, and disability insurance services are available. Chester & Associates has over 20 years of experience in the industry, and it aims to provide solutions that will always be beneficial for every client.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

2021 P Street, Sacramento, CA 95811
WebsiteLicense: 0527074

Expertise.com Rating

Review Sources

Google
5.0 (96)
Yelp
4.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Eugene C. Yates Insurance Agency is a family-owned and family-operated business that has been serving Elk Grove since 1946. Its life insurance products include term life, whole life, and universal life insurance options, as well as survivorship insurance. Its experienced agents are equipped to advise clients on their risks and solutions to identify the right insurance plan for their situation. As an independent agency, it represents insurance carriers to fit different kinds of individual and business insurance needs.

  • Life Insurance
  • Health Insurance

9245 Laguna Springs Drive, Elk Grove, CA 95758
WebsiteLicense: 0E75920

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

SL Goodell Insurance Services, Inc., is an insurance service provider with offices in California and Oregon. It serves clients in and around the Elk Grove area, providing a wide array of employee benefits. Among these benefits include life insurance and accidental death and dismemberment policies. It also provides insurance policies for long-term and short-term disabilities, critical illnesses, and cancer. Company owner and principal broker Sandra Goodell holds more than 35 years of experience in the insurance industry. She established the company in 1997.

  • Health Insurance

9700 Business Park Drive, Sacramento, CA 95827
WebsiteLicense: 0G63175

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (37)

Why choose this provider?

GPIS Employee Benefits Specialist delivers insurance and financial solutions to clients in Elk Grove and neighboring areas. The company focuses on services such as life insurance, retirement planning, and government employee retirement. Among its life insurance options are term life insurance, term life with benefits, whole life insurance, universal life insurance, and indexed universal life insurance. With over 90 years of collective experience, the firm also provides USPS retirement, federal retirement, and federal employee group life insurance.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

9594 2nd Avenue, Elk Grove, CA 95624
WebsiteLicense: 0E14656

Expertise.com Rating

Review Sources

Google
5.0 (31)
Facebook
3.0 (14)
Yelp
5.0 (5)

Why choose this provider?

MVH Insurance Agency is a family-owned insurance agency that has been serving clients in Elk Grove and the entire state of California since 1976. For over 40 years, it has offered various insurance products such as life insurance, auto insurance, home insurance, umbrella insurance, flood insurance, and earthquake insurance. It curates and updates insurance coverages in order to comply with the state's appropriate requirements of the states. In 2020, MVH Insurance Agency expanded and added a location in Nevada.

  • Life Insurance
  • Individual Plans

9275 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 0789719

Expertise.com Rating

Review Sources

Yelp
5.0 (62)
Facebook
4.7 (11)
Google
5.0 (5)

Why choose this provider?

RL Wells & Associates, Inc., is a full-service insurance brokerage firm that serves the residents of Elk Grove and the rest of California. It provides both individual and group life insurance. It also provides individual health insurance, family health insurance, dental insurance, vision insurance, and long-term care insurance. Insurance companies that it works with include Mutual of Omaha, New York Life, American Fidelity, and Pacific Life. RL Wells & Associates, Inc., has been in operation for more than 30 years.

  • Life Insurance
  • Health Insurance

P.O. Box 22612, Sacramento, CA 95822
WebsiteLicense: 0H39224

Expertise.com Rating

Review Sources

Facebook
4.0 (4)

Why choose this provider?

Atman Insurance Services is an independent agency providing insurance services to the residents of Elk Grove and nearby areas. It represents various insurance companies and assists clients in choosing insurance products based on their financial situations. Atman Insurance Services offers insurance coverage for life, disability, and long-term care. David Brabender, an insurance broker at Atman Insurance Services, has a master's degree in Business. He previously worked for a telecommunications company for around 15 years before starting a career in insurance in 2011.

  • Life Insurance
  • Health Insurance
  • Individual Plans

641 South Ham Lane, Lodi, CA 95242
WebsiteLicense: 0E11804

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Todd Garibaldi Insurance Agency Inc. is a locally owned and operated full-service insurance broker providing life and health insurance in Lodi. The agency also helps clients find providers that can give them the right plans for their needs. Some of the carriers its agents work with are United Healthcare, Prudential life, Employers Compensation Insurance Company, and Zurich Insurance Companies. They also help clients find insurance for agribusiness, crop, workers' compensation, personal, and business.

  • Life Insurance
  • Health Insurance

9355 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 0M92002

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

MAF Financial & Insurance Services is an insurance agency providing Elk Grove residents with comprehensive insurance packages for individuals and businesses. It partners with multiple insurance companies such as North American Company, National Life Group, John Hancock, and F&G to provide varied insurance packages to its clients. It specializes in life insurance for individuals and also offers IRAs, annuities, and final expense insurance. Its business insurance encompasses key person insurance, buy-sell agreements, SEP-IRAs, and disability insurance.

  • Life Insurance

9355 East Stockton Boulevard, Elk Grove, CA 95624
WebsiteLicense: 0M92002

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Max Agent Financial is an insurance and financial agency that offers life insurance plans to individuals, families, and businesses in various locations nationwide, including Elk Grove. It also provides individual retirement accounts (IRAs), annuities, and final expense insurance policies. In addition, it handles simplified employee pension - IRAs, key person insurance, disability insurance, and buy-sell agreements for business owners. Max Agent Financial has partnered with over 45 providers that offer a variety of insurance products and services.

  • Life Insurance

9299 E Stockton Blvd Ste 50 Elk Grove , CA 95624, Elk Grove, CA 95624

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

Tedmus Insurance Services is an independent insurance agency that provides insurance services to individuals, families, and businesses in Elk Grove and the surrounding communities. It carries several insurance options for life insurance, individual health insurance, homeowners’ insurance, car insurance, renter’s insurance, and condo insurance provided through its partnership with several providers. Additionally, it offers business insurance packages like BOP, commercial property insurance, commercial auto insurance, general liability insurance, and professional liability. It was established in 2010 by CEO Eric Tedmus.

  • Life Insurance

10359 Live Oak Avenue, Galt, CA 95632
WebsiteLicense: 0F74492

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Based in Galt, Legendary Insurance Agency, Inc., is an independent insurance agency that serves business owners, individuals, and families in Elk Grove and the surrounding areas. It offers life insurance policies that can be used to pay off mortgages and fund education. It also provides homeowners' insurance, renters' insurance, health insurance, auto insurance, and trucking insurance. Furthermore, a variety of commercial insurance plans are available, including commercial property insurance, liability insurance, and workers' compensation insurance.

  • Life Insurance

15 N State Highway 49-88, Jackson, CA 95642
WebsiteLicense: 0772679

Expertise.com Rating

Review Sources

Google
5.0 (96)
Facebook
5.0 (52)
Yelp
5.0 (3)

Why choose this provider?

Anne Lintz has been working as an insurance agent for State Farm since 1989. Anne and her team carry a selection of insurance products, including property, auto, home, and life insurance. They educate clients about the benefits of life insurance coverage, such as growing cash values and lifelong protection, and walk them through the claims process. Serving Elk Grove, Ann leads 10 other insurance professionals who have been with her for an average of over six years. The team supports charities, such as Amador Stars.

  • Life Insurance
  • Health Insurance

9290 West Stockton Boulevard, Elk Grove, CA 95758
WebsiteLicense: 0F06614

Expertise.com Rating

Review Sources

Google
4.5 (2)

Why choose this provider?

BPH Insurance & Financial Services is an insurance agency located in Elk Grove. It provides a variety of insurance products for individuals, families, and businesses. It includes a life insurance policy with term and permanent life insurance coverage options. The firm's licensed agents help their clients assess their current assets and liabilities and create insurance plans based on their specific requirements. Additionally, the company writes policies for automobiles, homeowners, and health insurance. Its insurance professionals bring over 80 years of experience in the industry.

  • Life Insurance
  • Health Insurance

816 C Street, Galt, CA 95632
WebsiteLicense: 0E59571

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Rose Lavine is a Farmers Insurance agent who provides risk management solutions for residents near Elk Grove. Included in the products she offers is life insurance which covers lost income and outstanding mortgage balance in the event of the policyholder's death, and she can furnish three policy types: universal life, whole life, and term life. Lavine is a longtime California resident, who has been working in the insurance industry for over two decades. She can entertain Spanish-speaking clients.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Cal-West Insurance
2951 West Capitol Avenue, West Sacramento, CA 95691
Dillon Financial Services
9700 Business Park Drive, Sacramento, CA 95827
Chester & Associates Insurance Services
P. O. Box 2119, Cameron Park, CA 95682
Eugene C. Yates Insurance Agency
2021 P Street, Sacramento, CA 95811
SL Goodell Insurance Services, Inc.
9245 Laguna Springs Drive, Elk Grove, CA 95758
GPIS Employee Benefits Specialist
9700 Business Park Drive, Sacramento, CA 95827
MVH Insurance Agency
9594 2nd Avenue, Elk Grove, CA 95624
RL Wells & Associates, Inc.
9275 East Stockton Boulevard, Elk Grove, CA 95624
Atman Insurance Services
P.O. Box 22612, Sacramento, CA 95822
Todd Garibaldi Insurance Agency Inc.
641 South Ham Lane, Lodi, CA 95242
MAF Financial & Insurance Services
9355 East Stockton Boulevard, Elk Grove, CA 95624
Max Agent Financial
9355 East Stockton Boulevard, Elk Grove, CA 95624
Tedmus Insurance Services
9299 E Stockton Blvd Ste 50 Elk Grove , CA 95624, Elk Grove, CA 95624
Legendary Insurance Agency, Inc.
10359 Live Oak Avenue, Galt, CA 95632
Anne Lintz
15 N State Highway 49-88, Jackson, CA 95642
BPH Insurance & Financial Services
9290 West Stockton Boulevard, Elk Grove, CA 95758
Rose Lavine
816 C Street, Galt, CA 95632

FAQs

  • Who is eligible for basic group term life insurance program in Elk Group?

    Employees in Elk Group who are permanent, have a limited term of six months or more, and work in a contractual agreement are eligible for basic group term life insurance plans. According to California Government Code section 19849.11, workers who fill a vacant role on a temporary appointment basis for a supervisory, confidential, and managerial position can also participate in the program. Basic group term life insurance is benefits provided by employers; however, qualified employees must apply for supplemental coverage by themselves.

  • Are life insurance payouts subject to federal tax in Elk Grove?

    In Elk Grove, federal tax on life insurance payouts varies on situations and factors, like the amount of the disbursement and the type of policy. For instance, life insurance proceeds received by the beneficiary due to the policyholder's death are not subject to federal tax and are not included in the gross income. On the other hand, payouts that exceed the policy premiums may be taxable—and if the proceeds are in installments, the interest part of each payment is only subject to federal tax.

  • In Elk Grove, what fees are associated with buying a life insurance policy?

    Administration and fund management fees are included when obtaining a life insurance plan in Elk Grove, which compensates fund managers and is used for maintaining the coverage, like recordkeeping and accounting. Policyholders can be subject to a surrender charge deducted from the cash value if they terminate the insurance within the surrender charge period. They may also pay for mortality and expense risk, premium loads, and monthly per thousand bills.

  • How does the permanent life insurance work in Elk Grove?

    A permanent life insurance policy in Elk Grove provides financial coverage throughout the life of the policyholder. It has a guaranteed death benefit payout for beneficiaries, regardless of the time of the holder's passing. Permanent life insurance plans can also serve as financial investments, as their cash value increases annually and are not subject to federal tax. However, their premium costs are higher.

  • What is included in the underwriting process of life insurance policies in Elk Grove?

    In Elk Grove, underwriting may include a physical exam, blood test, and review of motor vehicle records, criminal history, and credit reports. Applicants with life-threatening medical conditions, a history of physical or mental health problems, or dangerous hobbies are more likely to require additional underwriting steps. This is because they are at a higher risk of death or disability.

  • 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.

Related Articles

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...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...