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2024

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Best Life Insurance Companies in Modesto, CA

Our Recommended Top 17

We did the research for you!

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

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17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3061 College Green Drive, Merced, CA 95348
WebsiteLicense: 0F37811

Expertise.com Rating

Review Sources

Google
4.0 (24)

Why choose this provider?

Executive Edge Insurance is an insurance solutions specialist catering to the needs of Modesto residents and nearby communities. The independent insurance agency offers life insurance policies that can protect the children, spouses, parents, and other dependents of its clients and provide financial stability. The firm shops for the right life coverage among multiple providers depending on their client's requirements. Executive Edge Insurance also offers health, auto, home, and business insurance. Past clients commended the firm for its proactive approach with dealings.

  • Life Insurance
  • Health Insurance

142 North 9th Street, Modesto, CA 95350
WebsiteLicense: 0L07362

Expertise.com Rating

Why choose this provider?

Royal Lion Insurance Agency is a family-owned business assisting English and Spanish-speaking clients in Modesto. It offers life insurance products to individuals who want to achieve financial security for their family's future. Whether it's for policy renewal or customization, its team helps clients make well-informed decisions by combing through the insurance marketplace. It partners with multiple insurance carriers, including Hartford, Progressive, and Liberty Mutual, as an independent agency. Auto, transportation, and special event insurance coverages are also available.

  • Life Insurance

1133 N. Carpenter Rd. #2, Modesto, CA 95351
WebsiteLicense: 0E95308

Expertise.com Rating

Review Sources

Facebook
4.9 (25)
Google
5.0 (3)

Why choose this provider?

Got It All Insurance Agency offers life insurance to the locals of Modesto. The family-owned agency's other insurance services include auto, pet, health, business, renter, and homeowners. It also has commercial auto insurance and workers' compensation. The company has 24/7 emergency assistance and unlimited restoration service. Johnny Garcia, one of the owners of the agency, has been working in the industry for over a decade. He is a current board member for the Central Valley Hispanic Chamber of Commerce.

  • Life Insurance

213 S Sierra Ave, Oakdale, CA 95361

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

Teacher's Pension is an independent agency that specializes in providing financial advice and support to school district employees, including support staff, teachers, and administrators. Its services include arranging life insurance policies that cover various scenarios, from critical injuries and chronic illnesses to experiencing a disability or requiring long-term care at home. The licensed agency also specializes in helping its clients plan for their retirement with a variety of flexible plans.

3501 Coffee Road Suite 1A, Modesto, CA 95355
WebsiteLicense: 0I56011

Expertise.com Rating

Review Sources

Facebook
4.9 (47)
Google
4.1 (15)
Yelp
4.6 (8)

Why choose this provider?

Toste & Associates Insurance Services provides an array of personal products to individuals and families in the Modesto metro. It offers life insurance plans to protect customers from financial losses caused by mortgages, unexpected death, and other debts. The agency also deals with health, homeowners', car, motorcycle, and RV insurance. Its agents also serve business owners who want to obtain commercial policies like cyber liability and workers' compensation insurance. Agency president Ozzie Toste has been in the insurance industry since 1989.

  • Life Insurance
  • Health Insurance

801 Geer Road, Turlock, CA 95380
WebsiteLicense: 0D01900

Expertise.com Rating

Review Sources

Google
4.0 (54)
Facebook
4.0 (40)

Why choose this provider?

Since its establishment in 1989, GDI Insurance Agency, Inc., has been delivering insurance and risk management solutions to clients in Modesto. By providing life insurance policies, the company assists individuals and families in protecting their loved ones financially. Its independent insurance agents provide term life and permanent life coverage from multiple providers. The team also assists clients in selecting the right insurance plan that can adequately cover future financial obligations. Other services include employee benefits, group captive programs, and other personal insurance plans.

  • Life Insurance

909 15th St Ste 4, Modesto, CA 95354

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Tammy R. Borba Certified Insurance Professional is a specialized health insurance company in Modesto with more than 35 years of experience serving the surrounding communities. Ms. Borba is a California Certified Insurance Agent and certified CIP and CSA who specializes in advising individuals, groups, and businesses on various health insurance policies, including MediCal enrollment, Medicare supplements, and long-term care insurance. The financial agent operates during normal business hours, Mondays to Thursdays.

1210 Third Street, Atwater, CA 95301
WebsiteLicense: 0D54262

Expertise.com Rating

Review Sources

Facebook
5.0 (45)
Google
5.0 (35)

Why choose this provider?

Peace & Grace Insurance Services is a team of independent agents that assists Modesto residents in several areas, including life insurance. Permanent life and term life policies are the two kinds of protection plans they craft. The risk management professionals have access to coverage options from carriers like Transamerica, Prudential, and Assurity, allowing them to find policies that will match their clients' needs. Peace & Grace Insurance Services is headed by Anna Davis, who began her insurance career in 2001.

  • Life Insurance
  • Health Insurance

3540 Oakdale Rd Ste A1, Modesto, CA 95357

Expertise.com Rating

Review Sources

Google
4.6 (9)
Yelp
5.0 (1)

Why choose this provider?

Golden Oak Insurance Services is an independent insurance agency founded in 2006, with offices in Modesto and Beaverton, Oregon, serving their surrounding communities. The agency partners major carriers, such as Progressive and Travelers, enabling it to offer a variety of life and health insurance products to suit every type of need, such as retirees building college funds for their grandkids and low-income clients and over-65s getting Medicare assistance. The agency also offers vehicle, property, and business insurance products.

600 E Main St, Turlock, CA 95380

Expertise.com Rating

Review Sources

Google
4.0 (18)
Yelp
5.0 (1)

Why choose this provider?

For more than 50 years, Western Valley Insurance has specialized in selling life and health insurance throughout the Modesto metro area from offices in Turlock, Los Banos, and Crescent City. The company's agents aren't tied to a single carrier, which allows them to find the best policies for their clients from 30+ of the biggest insurance companies in the U.S. The agency's policies cover a range of needs, such as supplements for Medicare, mortgage protection, and funeral expenses.

1718 Main St, Escalon, CA 95320

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Cromwell & Ney Insurance Agency Inc. is a locally owned insurance agency whose independence allows it to find life and health insurance policies from multiple carriers instead of being restricted to one. The agency partners some of the biggest carriers in the nation, including Transamerica and Liberty Mutual. Its policies are suitable for anyone leaving a financial legacy for their loved ones, concerned about their long-term health, or worried about losing their income.

1416 Mitchell Rd., Suite B, Modesto, CA 95351
WebsiteLicense: 0K62623

Expertise.com Rating

Review Sources

Google
4.9 (145)
Facebook
5.0 (27)
Yelp
5.0 (2)

Why choose this provider?

Claudia Anguiano is an insurance professional with State Farm. She caters to individuals, families, and businesses in Modesto and the surrounding areas. Included in her line of products are different types of life insurance, including term, universal, and whole life. She also helps customers draft commercial auto, condominium, health, property, and personal articles insurance policies. Anguiano holds a bachelor's degree in Business Administration. She also speaks Spanish, allowing her to serve a broader range of clients.

  • Life Insurance
  • Health Insurance

Modesto, CA 95355
WebsiteLicense: 0647169

Expertise.com Rating

Review Sources

Google
5.0 (48)
Facebook
5.0 (7)

Why choose this provider?

George Beach Insurance Services, LLC, is a family-owned and family-operated agency serving the Modesto metro. Catering to individuals and families, the independent company offers life insurance products which include term and whole coverages. It aims to protect policyholders and their families from financial losses caused by debts and funeral expenses in case of an unexpected death. Its agents also provide other personal policies, such as health and pet insurance. George Beach Insurance Services also serves clients in Nevada, Arizona, and Oregon.

  • Life Insurance
  • Health Insurance

817 Coffee Rd Ste C2, Modesto, CA 95355

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

TD Gingerich Insurance Solutions Inc. is a life insurance agency in Modesto. The agency's financial advisers offer various services, such as calculating the client's coverage requirements, explaining the pros and cons of different life insurance policies, and finding the best policies from a wide range of carriers. The agency also specializes in health insurance, from polices that supplement Medicare payments to those that pay out if the policyholder becomes permanently disabled.

2851 Geer Rd Ste F, Turlock, CA 95382

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

Tom Michael Insurance is an independent insurance broker with offices in Modesto and Turlock that specializes in selling and servicing a full range of personal and commercial insurance policies. The agency offers life and health insurance for individuals, covering everything from paying off mortgages and other debts to covering the costs of minor and major medical treatments, including long-term home care. Additionally, the company's agents sell a range of insurance policies for employees, employers, and homeowners.

4213 Dale Road, Modesto, CA 95356
WebsiteLicense: 0B91282

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Debra Webb is a State Farm insurance agent who serves the Modesto area. She has been offering term, whole, and universal life insurance policies to people who want to guarantee their future. Smaller businesses can also purchase the policies for a number of reasons, including business continuity, key personnel, employee perks, and critical employee incentives. Customers can file a life insurance claim over the phone or online. Webb and her colleagues also provide vehicle, health, and pet insurance.

  • Life Insurance
  • Health Insurance

100 Laurel Ave, Oakdale, CA 95361

Expertise.com Rating

Review Sources

Google
4.8 (5)

Why choose this provider?

Stewart Kriese Insurance Agency Inc. is a locally owned and operated business serving the Modesto area's residents and businesses. It's an independent agency whose brokers have access to a wide range of life and health insurance products offered by leading insurance companies, such as American Reliable and the Capital Insurance Group. The products cater to every requirement, from seniors who want to generate an income in retirement to clients looking for an affordable way to cover medical expenses.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Executive Edge Insurance
3061 College Green Drive, Merced, CA 95348
Royal Lion Insurance Agency
142 North 9th Street, Modesto, CA 95350
Got It All Insurance Agency
1133 N. Carpenter Rd. #2, Modesto, CA 95351
Teacher's Pension
213 S Sierra Ave, Oakdale, CA 95361
Toste & Associates Insurance Services
3501 Coffee Road Suite 1A, Modesto, CA 95355
GDI Insurance Agency, Inc.
801 Geer Road, Turlock, CA 95380
Tammy R. Borba, Certified Insurance Professional
909 15th St Ste 4, Modesto, CA 95354
Peace & Grace Insurance Services
1210 Third Street, Atwater, CA 95301
Golden Oak Insurance Services
3540 Oakdale Rd Ste A1, Modesto, CA 95357
Western Valley Insurance
600 E Main St, Turlock, CA 95380
Cromwell & Ney Insurance Agency, Inc.
1718 Main St, Escalon, CA 95320
Claudia Anguiano
1416 Mitchell Rd., Suite B, Modesto, CA 95351
George Beach Insurance Services, LLC​
Modesto, CA 95355
TD Gingerich Insurance Solutions, Inc.
817 Coffee Rd Ste C2, Modesto, CA 95355
Tom Michael Insurance
2851 Geer Rd Ste F, Turlock, CA 95382
Debra Webb
4213 Dale Road, Modesto, CA 95356
Stewart Kriese Insurance Agency, Inc.
100 Laurel Ave, Oakdale, CA 95361

Modesto, CA Life Insurance FAQs

  • How can you determine the cost of life insurance in Modesto?

    To determine the cost of life insurance in Modesto, the underwriting process must be done. Insurance carriers will assess the risks that might be faced by the applicants. The life insurance premiums are based on whether they choose term, whole, and universal insurance, as well as their gender and age.

  • In Modesto, can policyholders change their life insurance beneficiaries to someone other than their spouses or children?

    Yes, policyholders in Modesto can change their life insurance beneficiaries even if they are already married. Most insurance companies in California allow policyholders to change their beneficiaries anytime. The benefits spouses, children, and other beneficiaries will receive upon policyholders' death depend on coverage type and how much premiums were paid.

  • In Modesto, will your spouse still be your life insurance beneficiary after your divorce?

    No, your ex-spouse will not be your life insurance beneficiary anymore after your divorce in Modesto. In California, non-probate assets, which include life insurance policies, are automatically revoked upon divorce. Other non-probate assets include qualified and non-qualified retirement plans, checking and savings accounts, mutual funds, annuities, and certificates of deposit.

  • What should you consider when purchasing life insurance in Modesto?

    When purchasing life insurance in Modesto, you must acquire a policy 7 to 10 times your annual income. You should also determine how much debt will your loved ones have to pay in case you pass away. In addition, you must determine how much money you need to support your family's expenses in the future.

  • Do you need to undergo medical examinations before getting life insurance in Modesto?

    Most of the time, carriers in Modesto require applicants to undergo medical examinations before getting life insurance to make sure that their health status is good. Their insurance rates depend on their health condition. If the results are not very favorable, then they might pay higher premiums or their application can be denied.

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