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Best Life Insurance Companies in Hesperia, CA

Our Recommended Top 6

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 Hesperia 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.

4137Reviewed

2484Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

14411 Main Street, Hesperia, CA 92345
WebsiteLicense: 0N08605

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Boulder Insurance Agency is a Hesperia-based firm offering personal insurance programs to its clients, including life, home, renters', auto, classic car, and motorcycle insurance. It also provides insurance plans to businesses and aids truckers in insuring their commercial services. With over 15 years of experience in the industry, it has broadened its skills to include accounting services, specializing in individual and commercial taxes. It also assists in LLC entity filings, accounting, and bookkeeping for companies.

  • Life Insurance
  • Individual Plans

17133 Main Street, Hesperia, CA 92345
WebsiteLicense: 0L87785

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Midgard Life Insurance Services is an insurance agency that caters to individuals and families in Hesperia and the surrounding communities. It helps clients protect their families from financial distress by offering life insurance, which can cover doctor bills, final expenses, legal fees, and outstanding debts. This product also provides cash benefits for the policyholder's beneficiaries. The team at Midgard Life Insurance Services focuses on customer service by assisting clients throughout the entire process of life insurance acquisition.

  • Life Insurance

10770 I Avenue, Hesperia, CA 92345
WebsiteLicense: 0F75907

Expertise.com Rating

Review Sources

Facebook
4.0 (28)
Google
4.0 (13)
Yelp
1.0 (3)

Why choose this provider?

Paul McClain, the Vice President of Family First Life West Coast, offers his expertise in life insurance, finance, and retirement planning to clients in Hesperia and the surrounding towns. He gives financial advice and also deals with insurance products in other states, like Arizona, Florida, Nevada, Ohio, and Pennsylvania. McClain has been commended by his previous clients due to his knowledge and experience as an insurance agent. Moreover, Family First Life West Coast partners with carriers like Mutual of Omaha and AIG.

  • Life Insurance

9594 I Avenue, Hesperia, CA 92345
WebsiteLicense: 0754060

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Kathleen Hopkins is a Farmers Insurance agent in Hesperia since 1990. She offers insurance coverage like automobile insurance, life insurance, homeowners' insurance, renters' insurance, and business insurance according to what her clients need at the moment. Kathleen Hopkins is equipped with almost 30 years of experience in the industry. She can offer her expertise to people in Hesperia, Apple Valley, Victorville, Adelanto, and Wrightwood. Kathleen Hopkins is proficient in both English and Spanish, a skill she trained for to better serve her constituents.

  • Life Insurance

14444 California Avenue, Victorville, CA 92392
WebsiteLicense: 0E50529

Expertise.com Rating

Review Sources

Google
4.5 (13)
Yelp
3.0 (2)

Why choose this provider?

Anthony Flores works as an insurance agent for State Farm, serving clients in Hesperia and the surrounding areas. He assists individuals in preserving the financial security of their dependents through a life insurance policy. His team focuses on term life, whole life, and universal life insurance policies. He also offers individual medical, supplemental health, and Medicare insurance plans. Anthony has been with State Farm Insurance since 2005. He also caters to Spanish-speaking members of the community.

  • Life Insurance
  • Health Insurance

15550 Main Street, Hesperia, CA 92345
WebsiteLicense: 0F33267

Expertise.com Rating

Review Sources

Google
4.0 (42)
Yelp
4.0 (10)

Why choose this provider?

Amy Martinez is a State Farm insurance agent who has been servicing the Hesperia community since 2011. She assists individuals in determining whether they need term, whole, and universal life insurance depending on their needs and financial goals. As an entrepreneur herself, she also helps small businesses utilize life insurance coverage for different purposes, such as business continuation, employee benefits, and key employee incentives. Martinez and her team also offer pet, health, and home insurance. She caters to English-speaking and Spanish-speaking clients.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Boulder Insurance Agency
14411 Main Street, Hesperia, CA 92345
Midgard Life Insurance Services
17133 Main Street, Hesperia, CA 92345
Paul McClain
10770 I Avenue, Hesperia, CA 92345
Kathleen Hopkins
9594 I Avenue, Hesperia, CA 92345
Anthony Flores
14444 California Avenue, Victorville, CA 92392
Amy Martinez
15550 Main Street, Hesperia, CA 92345

FAQs

  • Can Hesperia policyholders withdraw money from their life insurance policy?

    All policyholders in Hesperia may withdraw money from their life insurance policy. However, people who borrow money against their life insurance may pay interest on top of the principal amount. In the event of the borrower's death prior to the due date, the amount shall be deducted from the beneficiary's death benefit.

  • What happens to the policyholder's life insurance in Hesperia if they pass away within two years of the policy?

    In Hesperia, if a person dies during the first two years of the policy, the insurer will look into the application for fraud and deception before making a payout within the contestability period. If the life insurance company discovers deliberate misrepresentations in the application during the contestability period, it may be excused from paying the death benefit.

  • Who can be assigned as a beneficiary for a life insurance policy in Hesperia?

    There are generally no restrictions preventing anyone from being designated as a beneficiary in a life insurance policy in Hesperia, provided there are no legal limitations. This applies regardless of whether the beneficiary has a personal relationship with the insured individual. A beneficiary may be an individual, a foundation, a trust, or an estate.

  • When the insured in Hesperia passes away, would the funds be given to minor beneficiaries?

    The insurance proceeds may be paid to the legal guardian of the minor child's estate if the policyholder in Hesperia dies while their selected beneficiaries are still minors. The law states that children may not have access to any assets or life insurance proceeds until they reach the age of consent.

  • What takes place if a person lies on a life insurance application in Hesperia?

    Insurers in Hesperia might refuse to cover the person in the future if they found out that someone had lied on their life insurance application. Additionally, there is a contestability period to punish those who withheld or lied about material facts that allowed them to benefit from cheaper premiums intended for applicants who were lower risk.

  • 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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