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2024

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Best Life Insurance Companies in Fresno, CA

Our Recommended Top 15

We did the research for you!

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

21096Reviewed

12663Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2001 Howard Rd Ste 311, Madera, CA 93637

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Established in 2005, Vail Insurance Services proudly offers high-quality and affordable health and life insurance products to clients in California. The company identifies the needs, budget, and objectives of every client and finds the best possible health and life insurance options within those parameters. The company actively builds strong relationships with its clients and invests time into understanding each of their unique circumstances, allowing it to advise each client on all of their current and future coverage needs. Vail Insurance Services strives to demonstrate its appreciation and compassion for its clients through its exceptional one-on-one customer service.

499 West Shaw Avenue, Fresno, CA 93704
WebsiteLicense: 0791011

Expertise.com Rating

Review Sources

Google
4.0 (3)

Why choose this provider?

Reinhardt Insurance is a life insurance agency that services clients from Fresno and nearby areas. The company provides universal, whole, and term life insurance to prepare for the client's future. Aside from life insurance, the firm also offers insurance for health, businesses, and homes. Reinhardt Insurance has been providing its services to the community for more than 55 years. It has partnered with more than 25 insurance carriers to deliver high-quality insurance solutions to all clients.

  • Life Insurance
  • Health Insurance

776 East Shaw Avenue, Fresno, CA 93710
WebsiteLicense: 0723813

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Serving Fresno and nearby areas, Guenther Insurance helps clients secure their family's future through a variety of life insurance policies. It represents multiple insurance companies that offer a wide range of life insurance products, including individual, mortgage protection, fixed annuities, and final expense insurance. This independent insurance agency also offers personal insurance protection plans. These include auto, condominium, snowmobile, motorcycle, earthquake, and rental property insurance. Its owner, Russell Guenther, has been in the insurance industry for over three decades.

  • Life Insurance

2512 W San Madele Ave, Fresno, CA 93711

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

ISE Insurance Services is a life insurance agency in Fresno. This independent insurance agency has more than 28 years of industry expertise and prides itself on its integrity, service, and ethics. Its licensed agents create custom life insurance solutions for clients, including whole life and term policies. Other insurance products available include industry-specific business insurance, workers compensation, farm insurance, and home and auto policies. The agency is independently owned and operated and is an affiliate of Professional Insurance Associates Inc.

2155 N Fresno St, Fresno, CA 93703
WebsiteLicense: 0L81972

Expertise.com Rating

Review Sources

Google
5.0 (109)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Belen Sanchez Insurance Agency, Inc. provides life insurance policies to residents of Fresno and neighboring counties. It can examine a client's current plan and financial history to provide quotes to fit both term-life and permanent plans. The agency can also customize these policies to act as inheritance, income replacement, mortgage payoff, and death benefits. Its other insurance options include health insurance, Mexico insurance, and classic car insurance. The agency's staff members are fluent in Spanish and also provide notary services.

  • Life Insurance
  • Health Insurance

2507 W Shaw Ave Ste 107, Fresno, CA 93711

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Kerr Insurance Brokers Inc. is a health insurance company in Fresno, founded in 2008. This family-owned insurance agency offers a range of products to meet its clients' needs, including health insurance for employers from more than 50 carriers. Group heal, dental, and vision policies are available. Individual life insurance, group life insurance, long-term care insurance, second-to-die policies, and key person insurance policies are also available. In addition, the agency offers auto and RV insurance and business insurance.

1039 U St, Fresno, CA 93721

Expertise.com Rating

Why choose this provider?

Uniti Global Insurance Services, founded in 2005, offers competitive policies from national life and health insurance carriers in its expansive network. This independent life insurance company in Fresno sells life insurance and annuities as well as personal medical insurance under the Covered California program. Some partners in its network include AGLA, AIG, MetLife, Lincoln Financial Group, Liberty Mutual, and Transamerica. Additional services include estate planning, wealth management, and financial planning.

1370 Jensen Ave Ste D, Sanger, CA 93657

Expertise.com Rating

Why choose this provider?

Vermillion & Associates Insurance Agency gives Fresno customers choices when it comes to buying life or health insurance policies. This independent agency has years of experience serving the local community's insurance needs. EPO, HMO, POS, and PPO insurance plans are available, including some with dental and drug coverage. The agency also sells term life, whole life, and universal life policies. Some carriers in the agency's network include Capital Insurance Group, BlueCross BlueShield, and Mercury Insurance.

2650 W Shaw Ln Ste 102, Fresno, CA 93711

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Agri-Center Insurance Agency is a health insurance company in Fresno that has served the Central Valley area for more than four decades. Family-owned and operated, this local independent insurance agency sells policies for both individuals and groups and primarily serves farmers and farm-related industries. Individual and family health insurance plans are available, and the agency offers level term and universal life insurance policies. Disability income protection and key man coverage options for business are also available.

205 E. River Park Circle Ste #250, Fresno, CA 93720
WebsiteLicense: 0C43544

Expertise.com Rating

Review Sources

Google
4.9 (29)
Yelp
5.0 (5)

Why choose this provider?

New York Life is a life insurance firm that serves clients in the Fresno metro. Established in 1845, the company promotes comprehensive retirement insurance solutions and financial security plans for clients with personal and commercial needs. Its certified agents provide in-depth consulting for first-time insurance buyers and clients looking to plot their retirement plans. New York Life's financial professionals calculate an individual's income annuity and determine how much must be allotted to sustain their lifestyle and meet their needs upon retirement.

  • Life Insurance

1109 E Champlain Dr, Fresno, CA 93720

Expertise.com Rating

Review Sources

Yelp
3.9 (4)

Why choose this provider?

New Horizon Insurance Services in Fresno connects customers with needed health and life insurance policies. The agency works in conjunction with Rice Insurance Benefits to help its clients get the best possible health insurance packages for individuals, families, and groups under employment-sponsored plans. In addition, it offers term life and permanent life insurance along with disability insurance plans. Other insurance products available include auto and SR22 coverage, commercial insurance, home and renters insurance, and flood and earthquake insurance.

1753 E Fir Ave, Fresno, CA 93720

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

James G Parker Insurance Associates in Fresno has decades of industry expertise when it comes to life and health insurance. It sells both individual insurance policies and helps companies looking to purchase group policies. Additional policies available include auto, boat, condo, earthquake, homeowners, renters, RV, and vacation home insurance. It also sells identity theft, umbrella, landlord, and travel policies. Its service center makes policy management online an easy process. Quotes are available upon request.

1285 W Shaw Ave Ste 101, Fresno, CA 93711

Expertise.com Rating

Review Sources

Google
4.3 (7)

Why choose this provider?

Veronica Ilic Stone is a life insurance agent in Fresno serving the needs of local clients looking to buy life and health insurance. She exclusively sells Aflac insurance products, including critical illness and short-term disability insurance, dental insurance, and vision insurance. Aflac's guaranteed issue life insurance is available without medical underwriting questions and features coverage portability that can be moved between jobs. Accidental death and cancer insurance policies are also available.

426 S Madera Ave, Kerman, CA 93630

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Reynolds Insurance Services helps Fresno clients find life and health insurance products to meet their needs. This independently owned and operated insurance agency has served the needs of the locals for more than 27 years. It offers insurance for individuals, businesses, and groups, including whole, permanent and term life insurance, long-term care insurance, disability insurance, second-to-die policies, and keymen or key person insurance. Individual and family health insurance policies and dental/vision coverage is available.

6740 N West Ave Ste 108, Fresno, CA 93711

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Dalena/Benik & Associates is an independent insurance agency that's been serving clients in the Fresno area since 1957. The company offers life and health insurance policies from top providers, such as Blue Shield of California, Safeco, and Liberty Mutual. Its agents are experts in risk management and are dedicated to helping clients find coverage that suits their needs and budget. Other insurance offerings include auto, homeowners, and farm owners' insurance.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Vail Insurance Services, LLC
2001 Howard Rd Ste 311, Madera, CA 93637
Reinhardt Insurance
499 West Shaw Avenue, Fresno, CA 93704
Guenther Insurance
776 East Shaw Avenue, Fresno, CA 93710
ISE Insurance Services
2512 W San Madele Ave, Fresno, CA 93711
Belen Sanchez Insurance Agency, Inc
2155 N Fresno St, Fresno, CA 93703
Kerr Insurance Brokers, Inc.
2507 W Shaw Ave Ste 107, Fresno, CA 93711
Uniti Global Insurance Services
1039 U St, Fresno, CA 93721
Vermillion & Associates Insurance Agency
1370 Jensen Ave Ste D, Sanger, CA 93657
Agri-Center Insurance Agency
2650 W Shaw Ln Ste 102, Fresno, CA 93711
New York Life
205 E. River Park Circle Ste #250, Fresno, CA 93720
New Horizon Insurance Services
1109 E Champlain Dr, Fresno, CA 93720
James G Parker Insurance Associates
1753 E Fir Ave, Fresno, CA 93720
Veronica Ilic Stone - Aflac
1285 W Shaw Ave Ste 101, Fresno, CA 93711
Reynolds Insurance Services
426 S Madera Ave, Kerman, CA 93630
Dalena/Benik & Associates
6740 N West Ave Ste 108, Fresno, CA 93711

FAQs

  • Why shouldn't a Fresno resident wait too long to buy life insurance?

    If a Fresno resident waits too long to buy life insurance, they might find that their premiums can significantly increase. This is because a person who does not get life insurance until they are older is more likely to have health problems and a higher risk of passing away. Once they become a higher risk for the insurer, the latter then increases the price of the premium to compensate.

  • What are the various types of non-variable Fresno life insurance?

    Fresno term life insurance is the most affordable and is designed to provide benefits upon death at 5, 10, and 20 years. Whole life insurance covers the policyholder for their lifetime, offering guaranteed same-rate premiums and cash value that accumulates with time and may be borrowed against. Universal life insurance, another permanent life insurance, has flexible premiums and cash value that accumulates and may be accessed in the future.

  • What are some of the unique features that Fresno life insurance laws have?

    Unique features of state laws on life insurance involve grace periods that mostly favor Fresno policyholders. The 10-day free-look period lets new policyholders cancel a policy with no penalties. A 60-day grace period allows policyholders to pay late premiums with no penalties, with coverage remaining active. Insurance companies must settle a claim within a 30-day settlement period after obtaining proof of death. Also, a two-year contestable period also allows insurers to challenge potentially misrepresented or fraudulent claims.

  • How much does a 1-million-dollar life insurance in Fresno cost per month?

    Research has shown that a male with an age of 30 years old may buy a term life policy valued at 1 million dollars for 20 dollars per month. Meanwhile, a woman may purchase a policy having the same coverage for 17 dollars a month. A 1-million-dollar Fresno life insurance policy may cost differently per month depending on several factors, which determine the price of the premium.

  • Do most Americans understand Fresno life insurance?

    According to a study by LIMRA or the Life Insurance and Market Research Association, most Americans do not understand Fresno life insurance. In an exam about life insurance that consisted of 10 questions and was given to 4,000 people, only 1,200 passed. Most participants did not answer half of the questions correctly, and less than 1% of those who got a good score correctly answered all questions.

  • 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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