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2024

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Best Life Insurance Companies in Lancaster, CA

Our Recommended Top 8

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 Lancaster 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.

7142Reviewed

4288Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

38406 10th Street East, Palmdale, CA 93550

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Located in Palmdale, Delcid Insurance Agency delivers services to individuals, families, and businesses in the Lancaster area and the surrounding communities. It offers life insurance plans to protect policyholders from financial losses caused by unexpected death and outstanding debts. The company also helps clients acquire other personal plans, such as homeowners', renters', motorcycle, auto, truck, and RV insurance. In addition, it crafts workers' compensation coverages. Delcid Insurance Agency is a family-owned business that has been operating since 2013.

  • Life Insurance

44824 Cedar Avenue, Lancaster, CA 93534
WebsiteLicense: 0E28825

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Visco Financial Insurance Services is a financial services corporation that has been serving the residents of Lancaster and surrounding areas for more than 50 years. It offers executive benefit planning life insurance. It also provides individual health insurance, long-term care insurance, and disability insurance. President and CEO Frank Visco has served as Chairman of the California Republican Party. He supports community organizations such as the Heart Foundation of Cedars-Sinai Medical Center, Children’s Center, and Boy Scouts of America.

  • Life Insurance

418 Oak Street, Lancaster, CA 93304
WebsiteLicense: 0D65227

Expertise.com Rating

Why choose this provider?

Garcia & Associates Insurance is a family-owned and family-operated business that has been serving clients in Lancaster and its surrounding areas for more than 40 years. The company provides various insurance services that include homeowners, worker's compensation, recreational, life & health, special events, and commercial property. Garcia & Associates Insurance's underwriting staff has a combined industry experience of over 80 years. In addition, they also fluently speaks English, Spanish, and Hindi.

  • Life Insurance
  • Health Insurance

PO Box 5210, Lancaster, CA 93539
WebsiteLicense: 0706473

Expertise.com Rating

Why choose this provider?

Robert S. Wolf Insurance and Financial Services is an independent insurance agency that provides insurance services to residents and businesses in Lancaster and surrounding communities. Instead of directly recommending or selling plans, its professionals search the market for insurance products to match a client’s specific needs. It gives clients access to companies that offer life/health insurance, mutual funds, and annuities. Robert Wolf founded the company and opened the current office in 2005 with client education as a primary objective.

  • Life Insurance
  • Health Insurance

1805 West Avenue K, Lancaster, CA 93534
WebsiteLicense: 0562394

Expertise.com Rating

Review Sources

Google
4.0 (31)
Yelp
4.0 (5)

Why choose this provider?

Suzanne Rojan is a Lancaster-based State Farm agent. Rojan has been in the industry for the last 43 years serving the life insurance needs of clients. She educates clients about the different life insurance policies and how the policy can help in meeting the client's short or long-term goals. Its term life insurance policies are temporary life insurance plans that can protect large expenses, including mortgages, tuition fees, and debt. In addition, Suzanne Rojan also provides earthquake, auto, and health insurance plans.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

620 West Avenue L, Lancaster, CA 93534
WebsiteLicense: 0B98105

Expertise.com Rating

Review Sources

Google
5.0 (118)
Facebook
5.0 (53)
Yelp
5.0 (5)

Why choose this provider?

Todd Main is a Lancaster-based insurance agent delivering a wide range of products to individuals and families in the greater Antelope Valley. As an agent for State Farm, the Fortune 500 insurance and financial service company, he helps clients select a comprehensive policy that fulfills their needs and fits their budget. He holds multiple insurance designations, including ChFC, CLU, and CASL. Additionally, his insurance office has been featured in the Antelope Valley Press Community's Vote and Award in 2019, 2020, and 2021.

  • Life Insurance
  • Health Insurance

940 West Avenue J, Lancaster, CA 93534
WebsiteLicense: 0366679

Expertise.com Rating

Review Sources

Google
4.0 (16)
Yelp
4.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Vinsa Insurance Associates is an independent insurance agency that delivers appropriate insurance plans for customers in Lancaster. It comprises insurance professionals who educate clients on both non-insurance and insurance options, helping them make sound knowledge-based decisions. They provide life insurance policies with various benefits, including paying off debts, covering lost income, paying children's tuition, and covering funeral-related costs. In addition, they also cater to the insurance needs for clients' businesses, automobiles, boats, motorcycles, and homes.

  • Life Insurance
  • Health Insurance

204 East Tehachapi Boulevard, Tehachapi, CA 93561
WebsiteLicense: 0442462

Expertise.com Rating

Why choose this provider?

Rod Dorman is a State Farm insurance agent who serves Lancaster. Individuals who wish to safeguard their future can choose between term, whole, or universal life insurance coverage, which he and his staff provide. Small firms can use the insurance for a variety of reasons, including business continuation, key employees, employee benefits, and key employee incentives. Auto, health, and pet insurance are also available via State Farm. Dorman is a Vietnam War veteran who belongs to the American Quarter Horse Association.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Delcid Insurance Agency
38406 10th Street East, Palmdale, CA 93550
Visco Financial Insurance Services
44824 Cedar Avenue, Lancaster, CA 93534
Garcia & Associates Insurance
418 Oak Street, Lancaster, CA 93304
Robert S. Wolf Insurance and Financial Services
PO Box 5210, Lancaster, CA 93539
Suzanne Rojan
1805 West Avenue K, Lancaster, CA 93534
Todd Main
620 West Avenue L, Lancaster, CA 93534
Vinsa Insurance Associates
940 West Avenue J, Lancaster, CA 93534
Rod Dorman
204 East Tehachapi Boulevard, Tehachapi, CA 93561

FAQs

  • How is the cost and availability of life insurance determined in Lancaster?

    The cost and availability of life insurance in Lancaster are determined by several factors, including the individual's age, health condition, insurance type, and coverage amount. Younger, healthier individuals typically pay lower premiums. Term life insurance is generally more affordable than permanent policies. Additionally, the amount of coverage sought and the policy's duration affect costs.

  • Who can benefit from a second-to-die policy in Lancaster?

    A second-to-die policy is ideal for married couples, particularly those with substantial assets. This joint insurance coverage allows them to postpone estate taxes until the second spouse's passing, preserving family wealth for beneficiaries. It's an effective strategy to protect valuable assets and ensure a legacy for future generations while managing potential tax liabilities.

  • Can you buy life insurance before undergoing surgery in Lancaster?

    Yes, you can purchase life insurance before undergoing surgery in Lancaster. It's a precautionary measure to financially protect your family if any unfortunate events occur during or after the surgery. However, note that your health condition may affect premiums, and the application process may involve a medical examination and additional paperwork.

  • Are there tax implications if you withdraw earnings from universal life insurance policies in Lancaster?

    Yes, there are tax implications when withdrawing earnings from universal life insurance policies in Lancaster. Withdrawals of earnings typically incur income tax at standard rates. Additionally, if you make a withdrawal before the age of 59½, you may be subject to a 10% federal income tax penalty. These withdrawals reduce the policy's cash value and death benefit, potentially affecting the policy's performance and benefits.

  • How much does life insurance typically cost for smokers in Lancaster?

    The cost of life insurance for smokers in Lancaster varies, but on average, it ranges from $146 to $218 per month. While smoking typically leads to higher life insurance premiums, some strategies may help reduce costs. Quitting smoking or switching to alternative tobacco products might lead to lower premiums over time. Additionally, maintaining a healthy lifestyle and improving your overall health can positively impact your life insurance rates.

  • 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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