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2024

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Best Life Insurance Companies in Moreno Valley, CA

Our Recommended Top 15

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Our goal is to connect people with the best local professionals. We scored Moreno Valley 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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15Top Picks

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Providers

featured provider = Featured Provider

Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

Lucero Benefits Services is a health and life insurance company in Moreno Valley. It specializes in serving personal clients, completing a thorough assessment of each one to understand their needs and aspirations, which enables its agents to find the right policy. Represents a large number of Medicare Advantage and Medicare Supplement carriers. Its life insurance policies include term life, final expenses, whole life, and indexed universal life, covering everything from paying off mortgages to creating an income in retirement.

29930 Hunter Road, Murrieta, CA 92563
WebsiteLicense: 0H64854

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Review Sources

Google
4.0 (17)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Rancho Cal Insurance Services is a family-owned independent insurance agency serving clients in Moreno Valley for over 25 years. Its team of professional agents assists clients in purchasing term life and permanent life insurance. Before the process, they provide clients with a consultation to determine the insurance plan that fits their goals and needs. Its insurance options also cover auto, business, health, home, and pet insurance. Rancho Cal Insurance Services is a member of the Murrieta/Wildomar Chamber of Commerce.

  • Life Insurance
  • Health Insurance

14420 Elsworth St Ste 111, Moreno Valley, CA 92553

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Founded in 1998, Steve Nicholas Insurance Services is an independent life and health insurance company in Moreno Valley. Its agents work with individuals, families, and businesses throughout Riverside and San Bernardino counties. Their comprehensive services begin by conducting an in-depth assessment of their client's circumstances, which allows them to find the right life and health insurance from the wide range of policies offered by its partners, who include some of the biggest insurers in the industry. The agency's policies are competitively-priced and come with flexible payment plans and low down-payments.

1819 W Redlands Blvd, Redlands, CA 92373

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Review Sources

Yelp
4.6 (5)

Why choose this provider?

Barich Associates Insurance Marketing Services Inc. has been serving the Inland Empire since 1979. The agency specializes in providing life and health insurance to individuals and group health insurance to businesses. They are one of the largest producers of medicare in Inland Empire. It's partnered with some of the nation's biggest insurance companies, including Transamerica and The Hartford, to ensure its clients get to choose from a wide selection of policies. The agency can help find the best policy for everything from paying for dental and major medical treatments to covering mortgage repayments while the policyholder is incapacitated. Its agents can also help businesses find the best medical insurance for their employees.

13373 Perris Blvd e410, Moreno Valley, CA 92553
WebsiteLicense: 0G56759

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

JAR Insurance is an independent insurance agency that offers life insurance policies to individuals and families in Moreno Valley and the surrounding communities. Its staff, who also speaks Spanish, helps clients determine how much coverage they need and connect them with the appropriate plans from its network of insurance carriers. The most common life insurance plans the agency assists with are term life and permanent life insurance. JAR Insurance also offers other insurance policies, such as auto, final expense, and travel insurance.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

23962 Alessandro Blvd Suite O, Moreno Valley, CA 92553
WebsiteLicense: 0G38914

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Google
4.2 (32)
Yelp
2.3 (4)

Why choose this provider?

Aztec Insurance is an independent insurance agency that serves individuals, families, and business owners from Moreno Valley and the surrounding areas. It provides life insurance plans, as well as health insurance plans. It also offers living benefit insurance policies, which include life insurance and private pensions. The company has more than three decades of industry experience and its professionals provide clients with personalized assessments in order to help them determine the right insurance coverage for them.

  • Home and Auto Insurance
  • Life Insurance

710 Brookside Ave Ste 3, Redlands, CA 92373

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Review Sources

Yelp
5.0 (1)

Why choose this provider?

DTLA Insurance Solutions is a fully independent life insurance agency serving the residents of Moreno Valley and the surrounding cities. The agency has partnered with multiple insurance carriers to allow its agents to search and evaluate the carriers' policies and pick out the best ones for their clients. The agents typically help clients with index universal life, whole life, and term life policies. DTLA Insurance Solutions offers optional benefits at no additional cost, known as additional benefits riders. Policyholders can use these in various ways, such as to pay for home modifications or household expenses.

Moreno Valley, CA
WebsiteLicense: 0G24286

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Cunningham Life Insurance Agency offers universal life, whole life, and term life insurance plans. It caters to individuals, families, and business owners in Moreno Valley and the surrounding areas. Its agents also specialize in estate planning, retirement planning, long-term care solutions, Medicare solutions, employee benefits, and individual health benefits. Moreover, Cunningham Life Insurance Agency represents a variety of carriers, such as American General Life Companies, Assurity Life Insurance Company, Genworth, John Hancock Life Insurance, MetLife, and Mutual of Omaha.

  • Life Insurance
  • Health Insurance

32100 Clinton Keith Road, Wildomar, CA 92595
WebsiteLicense: 0E81015

Expertise.com Rating

Review Sources

Yelp
4.0 (15)

Why choose this provider?

SGB Insurance Services, Inc., has been in the industry since 1989. The comprehensive insurance agency caters to clients in Moreno Valley and nearby areas. The agency has access to more than a hundred insurance companies and offers various personal and commercial insurance products. Its life insurance plans include whole-life, term-life, and universal. Other plans include automobile, commercial, health, and home insurance. SGB Insurance Services works with Progressive, MetLife, Liberty Mutual, GMAC, and Kemper.

  • Life Insurance
  • Health Insurance

22364 Alessandro Blvd, Moreno Valley, CA 92553

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Review Sources

Yelp
4.5 (14)

Why choose this provider?

All Solutions Insurance LLC is an independent health and life insurance agency in Moreno Valley, serving the surrounding community's residents and businesses. Its licensed agents have access to a wide range of policies offered by major insurance companies, such as Liberty Mutual and The Hartford. This means the agency can offer clients more choice and tailor policies to the individual's needs, or businesses, for the agency's group health insurance products. Its life insurance products come in two forms, term life, and universal life, both of which can be used to repay debts or generate income.

14435 Moreno Beach Dr. Ste. 101, Moreno Valley, CA 92555
WebsiteLicense: 0E80146

Expertise.com Rating

Review Sources

Google
5.0 (60)
Facebook
5.0 (6)

Why choose this provider?

Cindy Medina is a State Farm insurance agent that has been serving Moreno Vallery since 2005. She assists English- and Spanish-speaking clients in deciding whether to acquire term, whole, or universal life insurance coverage based on their needs and preferences. The policies are also available for small businesses for different purposes, such as business continuation, employee benefits, and key employee incentives. In addition to life coverage, Medina and her team offer auto, health, and pet insurance.

  • Life Insurance
  • Health Insurance

238 South Orange Avenue, Brea, CA 92821
WebsiteLicense: 0I46566

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

City Drive Insurance Agency serves clients in and around Moreno Valley. Its team has a combined industry experience of over two decades. Through its services, the company helps clients make sound decisions regarding their life and health insurance needs. Its agents assist clients interested in availing of home, auto, business, and personal insurance. The team offers selections for term life, universal life, and whole life insurance. City Drive Insurance Agency also assists with commercial insurance.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

24124 Sunnymead Blvd., Moreno Valley, CA 92553
WebsiteLicense: 0F24140

Expertise.com Rating

Review Sources

Google
4.9 (114)

Why choose this provider?

The Paul Kinan Insurance Group is an agency under Nationwide that provides life insurance policies to the residents of Moreno Valley. Its owner, Paul Kinan, previously worked for three decades as the owner of a fencing company. He leads a team of insurance agents who review and recommend term and permanent life policies from over 40 different carriers. These include plans from Nationwide and other companies, like Aegis and BlueShield. The agency also offers commercial insurance, such as coverage for workers' compensation and cyber liability.

  • Life Insurance
  • Health Insurance

31682 Railroad Canyon Rd Ste 5, Canyon Lake, CA 92587

Expertise.com Rating

Review Sources

Google
4.5 (142)
Facebook
4.8 (5)

Why choose this provider?

JBL Insurance & DMV Services is an insurance agency serving the residents and businesses of Moreno Valley and the neighboring communities since 2006. The independent agency has built strong links with many insurance carriers, allowing its qualified agents access to multiple life insurance policies, which the agents evaluate and compare on behalf of their personal clients. Policies range from term life, which can be taken over 10 to 30-year periods to cover various circumstances, such as paying off a mortgage, and whole life, which is useful for retirees looking open new income streams.

12625 Frederick Street Suite B3, Moreno Valley, CA 92553
WebsiteLicense: 0H99949

Expertise.com Rating

Why choose this provider?

Sarath Hernandez is a State Farm insurance agent serving the Moreno Valley community with life and health insurance coverage. She also helps individuals in terms of auto, home, property, and business insurance. Sarath has been with State Farm since 2013, dedicated to listening to her clients' needs and following professional and ethical standards focused on honesty and integrity. This agent sees her career as an opportunity in building relationships with other people. State Farm is among the nation's Fortune 500 companies.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Lucero Benefits Services
Rancho Cal Insurance Services
29930 Hunter Road, Murrieta, CA 92563
Steve Nichols Insurance Services
14420 Elsworth St Ste 111, Moreno Valley, CA 92553
Barich Associates Insurance Marketing Services, Inc.
1819 W Redlands Blvd, Redlands, CA 92373
Jar Insurance
13373 Perris Blvd e410, Moreno Valley, CA 92553
Aztec Insurance
23962 Alessandro Blvd Suite O, Moreno Valley, CA 92553
DTLA Insurance Solutions
710 Brookside Ave Ste 3, Redlands, CA 92373
Cunningham Life Insurance Agency
SGB Insurance Services, Inc.
32100 Clinton Keith Road, Wildomar, CA 92595
All Solutions Insurance
22364 Alessandro Blvd, Moreno Valley, CA 92553
Cindy Medina
14435 Moreno Beach Dr. Ste. 101, Moreno Valley, CA 92555
City Drive Insurance
238 South Orange Avenue, Brea, CA 92821
The Paul Kinan Insurance Group
24124 Sunnymead Blvd., Moreno Valley, CA 92553
JBL Insurance & DMV Services
31682 Railroad Canyon Rd Ste 5, Canyon Lake, CA 92587
Sarath Hernandez
12625 Frederick Street Suite B3, Moreno Valley, CA 92553

FAQs

  • What does life insurance mean in Moreno Valley?

    A Moreno Valley life insurance policy is a contract between an individual, known as the policyholder, and an insurance company in which the insurer guarantees to pay a certain amount to a designated beneficiary in the event of the insured's death. In exchange, the insurance company receives a premium from the policyholder. This can be paid in installments or in full.

  • When should one consider purchasing life insurance in Moreno Valley?

    The best time to buy life insurance in Moreno Valley depends on your individual circumstances, but it frequently coincides with significant life transitions such as purchasing a new home, getting married, or welcoming a new child. These significant life events are often accompanied by increased financial obligations, emphasizing the importance of considering providing enhanced financial protection for your loved ones in the years ahead.

  • Does the life insurance provided by your employer offer sufficient coverage in Moreno Valley?

    Most likely not. Most life insurance plans provided by Moreno Valley employers are only active during your employment and typically terminate when you leave. Furthermore, the coverage amount is frequently capped at one year's salary, which may not be enough to cover all of your family's expenses if you die.

  • What differentiates regular whole life insurance from children's whole life insurance in Moreno Valley?

    There are many similarities between whole life insurance and children's whole life insurance in Moreno Valley. Both types offer a consistent death benefit, a consistent premium, and the possibility of accumulating cash value. The primary distinction is the issue age. Children's whole life insurance covers a child from 14 days to 17 years old and is guaranteed for life. Individuals aged 45 to 85, on the other hand, can purchase regular whole life insurance.

  • What are the advantages of acquiring term life insurance in Moreno Valley?

    Here are a few advantages of getting Moreno Valley term life insurance:

    • There is no need for a medical exam.
    • A one-time payment to your beneficiaries following your death.
    • The ability to choose from a variety of terms and benefit amounts.
    • You are eligible for coverage until the age of 75.
  • 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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