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2024

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Best Life Insurance Companies in Lake Forest, CA

Our Recommended Top 13

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 Lake Forest 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.

3666Reviewed

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13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

23591 El Toro Road, Lake Forest, CA 92630
WebsiteLicense: 0397578

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (1)

Why choose this provider?

Jerry Lefevers is an insurance agent who is affiliated with State Farm. He caters to clients in Lake Forest and the surrounding communities. He helps customers realize their goals and recover from unexpected events in life by offering term life, whole life, and universal life insurance policies. His product line also includes business, health, homeowners', personal articles, and renters' insurance. He assists collectors, new drivers, and travelers in acquiring automotive insurance plans. Jerry holds a CLU designation.

  • Life Insurance

7700 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 0E76453

Expertise.com Rating

Review Sources

Google
4.0 (62)
Facebook
4.0 (16)

Why choose this provider?

Clemente Insurance & Financial Services is a life insurance company that safeguards families from unexpected financial challenges with its life insurance programs. It has been serving Lake Forest and other cities in California for more than 15 years. It has comprehensive life insurance policies that help families with funeral costs, mortgage payments, and outstanding debts. It also provides other personal insurance policies covering personal umbrella, flood, earthquake, and home. The company was established by Gino Clemente in 2004.

  • Life Insurance
  • Permanent Life Insurance Policy

23046 Avenida De La Carlota, Laguna Hills, CA 92653
WebsiteLicense: 0G81326

Why choose this provider?

Physicians Choice Insurance Service, LLC, is a group of insurance agents that serves Lake Forest and other nearby areas. On top of the health insurance plans it offers, it also provides life insurance solutions through a range of insurance carriers. Its line of life insurance products ranges from final expense protection, long-term care, and income continuation plans to estate preservation and wealth transfer policies. Additionally, the company handles insurance plans that include veteran and employee coverage.

  • Life Insurance

26060 Acero, Mission Viejo, CA 92691
WebsiteLicense: 0I43600

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

MGW Insurance Services, LLC, is a company providing life insurance to Lake Forest and the surrounding communities. This family-owned and operated insurance agency located in Mission Viejo also offers a wide range of other personal insurance services, such as dental, vision, supplemental, travel, and individual and group health insurance. It also provides vehicle, property, and business insurance solutions. The professionals at MGW Insurance Services, LLC, can also assist with medical billings, pharmacy issues, claims, and new I.D. cards.

  • Life Insurance
  • Health Insurance

9070 Irvine Center Drive, Irvine, CA 92618
WebsiteLicense: 0H93940

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Myriad Shields Insurance Solutions is an independent agency that serves clients in Lake Forest and its surrounding areas. The agency specializes in providing life, health, and disability insurance solutions. It offers Medicare, annuities, critical illness, and disability insurance products. Its agents direct clients to look at protection policies or investment policies to better address their needs, capacities, and liabilities. Myriad Shields Insurance Solutions allows its clients to choose the carrier best fit for their situation while giving them advice throughout the process.

  • Life Insurance
  • Health Insurance

27472 Portola Parkway, Lake Forest, CA 92610
WebsiteLicense: 0I01628

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Noel Insurance is an independent agency that caters to clients in Lake Forest. It specializes in creating life insurance policies for seniors, term life insurance, no exam life insurance, and high-risk life insurance. Its life insurance coverage can be used to pay for college tuition, funeral expenses, and the establishment of estate plans for the beneficiaries. With over a decade of experience, the firm works closely with clients to understand their needs and find the best life insurance plan for them.

  • Health Insurance
  • Life Insurance

28 Argonaut, Aliso Viejo, CA 92656
WebsiteLicense: 0E36358

Expertise.com Rating

Review Sources

Google
4.0 (172)
Yelp
4.0 (50)
Facebook
4.0 (28)

Why choose this provider?

Breathe Insurance is an independent insurance office servicing Lake Forest and Savannah Springs. Its life insurance provides income replacement to meet financial obligations when an income provider dies, estate planning to pay estate taxes without depleting the estate, short-term life insurance protection for short-term debts, and mortgage protection. The types of life insurance it offers include term life insurance and permanent life insurance. Breathe Insurance represents various carriers that enable the company to offer a range of personal and business insurance options and services.

  • Life Insurance
  • Health Insurance

2960 Harbor Boulevard, Costa Mesa, CA 92626
WebsiteLicense: 0E86532

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

EZ Insurance provides financial protection to individuals, families, and businesses in Lake Forest and the surrounding areas. Insurance products offered are life, home, auto, and business insurance. Upon helping clients identify their priorities, the company customizes an insurance plan that meets their long-term goals. Since its founding in 2004, it has served 250,000 clients and one million cost-effective quotes. To achieve this feat, the company has partnered with multiple carriers, including Safeco, Nationwide, National General, and Tokio Marine HCC.

  • Life Insurance

24411 Ridge Route Drive, Laguna Hills, CA 92653
WebsiteLicense: 6000506

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Solomon & Solomon Insurance Brokers, Inc., is an independently owned multi-generation brokerage founded in 1994. It serves individuals and businesses in Lake Forest and the surrounding areas. The agency provides comprehensive insurance products, such as life, disability, long-term care, automobile, and personal umbrella liability insurance. It also has a Trusted Advisor Network, allowing it to connect with professionals experts in law, accounting, and wealth management. Additionally, the agency represents various insurance providers, including Safeco Insurance, Allied Insurance, AmTrust Financial, and Zurich.

  • Life Insurance
  • Health Insurance

200 Spectrum Center Drive, Irvine, CA 92618
WebsiteLicense: 0L43267
Website

Expertise.com Rating

Why choose this provider?

Founded in 2016, Vitam Insurance Services has been applying account management practices to provide various insurance products to its customers. It analyzes each client's situation to determine the amount of life insurance coverage, the type of policy, and the most appropriate carrier suited to their needs. It also strives to spread insurance literacy and recommend life insurance plans to individuals and businesses in Lake Forest and its surrounding areas. For international travelers, it offers medical and travel interruption insurance.

  • Life Insurance

15540 Rockfield Boulevard, Irvine, CA 92618
WebsiteLicense: 0C30233

Expertise.com Rating

Why choose this provider?

JT Kia Insurance Services is an insurance agency offering life insurance policies in Lake Forest. The agency was founded in 1996 by Jeff Kia. Kia has provided protection to his clients and their families by determining their needs and finding the right insurance policy for them. He also has experience with term insurance, which can range from 5 to 15 years. The company represents several insurance carriers including Foremost Insurance Company, Blue Cross, Great American, and Travelers Insurance.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

940 Calle Negocio, San Clemente, CA 92673
WebsiteLicense: 0M22104

Expertise.com Rating

Review Sources

Google
4.0 (41)
Facebook
4.0 (22)
Yelp
5.0 (10)

Why choose this provider?

Chris Ferraro, Jr. is a State Farm insurance agent providing insurance and financial services to individuals, families, and business owners in Lake Forest and the surrounding areas. A third-generation State Farm agent, he handles life insurance options that include term, whole, and universal. He also offers other personal and business policies, like auto, health, homeowners', renters', and workers' compensation insurance, as well as annuities. Ferraro, who is fluent in Spanish, joined State Farm in 2009. He is also licensed in Arizona, Oregon, and Nevada.

  • Life Insurance
  • Health Insurance

300 Spectrum Center Drive, Irvine, CA 92618
WebsiteLicense: 0E61477

Expertise.com Rating

Why choose this provider?

Legacy & Wealth Financial Advisors is an independent insurance agency in Irvine servicing Lake Forest and adjacent areas. It is managed by financial advisor Michael Valiente, who provides financial planning, investment management, and insurance services to his clients. The agency, which has access to multiple insurance carriers, provides risk management products such as life, disability, and long-term care insurance. It also offers health and key person insurance, employee benefits, and small business solutions. Mike has over 10 years of insurance industry experience.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Jerry Lefevers
23591 El Toro Road, Lake Forest, CA 92630
Clemente Insurance & Financial Services
7700 Irvine Center Drive, Irvine, CA 92618
Physicians Choice Insurance Service, LLC
23046 Avenida De La Carlota, Laguna Hills, CA 92653
MGW Insurance Services, LLC
26060 Acero, Mission Viejo, CA 92691
Myriad Shields Insurance Solutions
9070 Irvine Center Drive, Irvine, CA 92618
Noel Insurance
27472 Portola Parkway, Lake Forest, CA 92610
Breathe Insurance
28 Argonaut, Aliso Viejo, CA 92656
EZ Insurance
2960 Harbor Boulevard, Costa Mesa, CA 92626
Solomon & Solomon Insurance Brokers, Inc.
24411 Ridge Route Drive, Laguna Hills, CA 92653
Vitam Insurance Services
200 Spectrum Center Drive, Irvine, CA 92618
JT Kia Insurance Services
15540 Rockfield Boulevard, Irvine, CA 92618
Chris Ferraro Jr
940 Calle Negocio, San Clemente, CA 92673
Legacy & Wealth Financial Advisors
300 Spectrum Center Drive, Irvine, CA 92618

FAQs

  • Is it advisable for businesses to use working capital to pay the premiums for key person insurance in Lake Forest?

    No, because this approach depletes a Lake Forest company's available capital reserves and any surplus funds allotted for future business expansion. An alternative would be third-party premium financing involving banks or financial institutions, which offers a more favorable interest rate. This approach frees up available capital for the purpose of business expansion and the pursuit of essential strategic initiatives.

  • What are the premium payment options available to policyholders of life insurance in Lake Forest?

    Lake Forest life insurance policyholders can make premium payments in periodic installments or a one-time lump sum. With regular installments, policyholders should make regular premium payments at specified intervals. On the other hand, choosing the lump sum payment option enables policyholders to settle their entire life insurance policy premium with a single upfront payment.

  • Who may benefit from having life insurance coverage in Lake Forest?

    Life insurance would probably be necessary for Lake Forest residents with dependents who need financial assistance in the event of premature death. The death benefit from life insurance can be used to cover expenses such as a child's education, lost income replacement, or mortgage payment. Another advantage of life insurance is that, in most cases, its proceeds are exempt from federal income taxes.

  • How can Lake Forest residents determine the amount of life insurance that is appropriate for them?

    Residents of Lake Forest can assess their required life insurance coverage by taking various factors into consideration, such as the presence of a spouse or children. They should also factor in the requirements of an elderly parent or a family member with physical disabilities. Prospective life insurance policyholders must also consider whether their retirement savings are sufficient to protect their spouse's financial well-being in the face of the increasing cost of living.

  • Where can Lake Forest residents check the license status of their life insurance agents?

    Prospective Lake Forest life insurance policyholders can verify the license status of their agents by reaching out to the Department of Insurance at 800-927-4357. This precautionary measure serves to protect against instances of insurance fraud, such as the case of Karen Marie Dondanville, a former insurance agent from Lake Forest. Karen was apprehended for engaging in insurance transactions without a license and was ordered to pay $20,000 in penalties.

  • 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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