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2024

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Best Life Insurance Companies in Murrieta, CA

Our Recommended Top 18

We did the research for you!

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

4881Reviewed

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18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

28545 Old Town Front Street, Temecula, CA 92590
WebsiteLicense: 0K51561

Expertise.com Rating

Review Sources

Google
5.0 (63)
Yelp
4.0 (31)

Why choose this provider?

Hawkguard Insurance Services is an independent insurance agency that services the residents of Murrieta and the surrounding areas. It provides life insurance as well as umbrella insurance. The other insurance products that it offers include home insurance, auto insurance, and flood insurance. Hawkguard Insurance Services partners with various insurance carriers, including American Modern Insurance Group, Liberty Mutual, and Philadelphia Insurance Companies. President and CEO Ryan Ramirez has been working in the insurance industry for more than 10 years.

  • Life Insurance

40414 California Oaks Road, Murrieta, CA 92562
WebsiteLicense: 0M54791

Expertise.com Rating

Review Sources

Google
5.0 (60)
Facebook
5.0 (12)
Yelp
5.0 (8)

Why choose this provider?

Amy Blackwell is an insurance agent working under State Farm. Her practice is located in Murrieta. Amy Blackwell offers clients in Riverside and San Diego areas automobile insurance, home insurance, property insurance, life insurance, pet insurance, and health insurance. She can also provide her expertise in banking, mutual funds, and annuities. She gives financial assistance to small businesses with her flexible business insurance. Amy Blackwell is an ambassador for the Murrieta Wildomar Chamber of Commerce.

  • Life Insurance
  • Health Insurance

25136 Hancock Avenue, Murrieta, CA 92562
WebsiteLicense: 0752534

Expertise.com Rating

Why choose this provider?

Mindy Chris is an insurance agent affiliated with Summit Partners Insurance Services. She assists her clients in obtaining various insurance policies, ranging from life and home insurance to commercial insurance for businesses of varying sizes. Mindy and her team work to understand the policy buyers' needs in order to match them with the coverage plan and insurance carrier that satisfy their financial goals. Her office is in Murrieta and she serves the local area and the surrounding communities.

  • Life Insurance

41856 Ivy Street, Murrieta, CA 92562
WebsiteLicense: 0H94716

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Diamond Valley Insurance Services is a provider of life insurance policies to the residents of Murrieta and the surrounding areas. Its team of professionals also helps with auto, boat, home, motorcycle, motorhome, and renters' insurance needs. In addition, Diamond Valley Insurance Services provides business insurance, surety bonds, and financial planning services. Owner Timothy C. Baker and his staff aim to educate clients about the different insurance plans and help them make informed decisions in choosing the right policy.

  • Life Insurance

28360 Old Town Front Street, Temecula, CA 92590
WebsiteLicense: 0M83046

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (38)
Yelp
5.0 (12)

Why choose this provider?

ECHO Financial & Insurance Services is a multi-line agency that serves businesses and individuals in Murrieta. Its line of products includes life insurance, which helps pay for outstanding mortgages, dependents' higher education, or funeral expenses. Being an independent agent allows its team to review policies from numerous providers, such as Minnesota Life, AIG, Symetra, and Principal. In addition to life insurance, the risk management professionals from this company furnish pet, flood, home, and classic car protection plans.

  • Life Insurance

28039 Scott Road, Murrieta, CA 92563
WebsiteLicense: 6004749

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Insurance Advisors is a Murrieta-based insurance company that offers health and life insurance solutions. Its life insurance plans include term life insurance and permanent life insurance. The agency also caters to clients needing health insurance plans, managed care coverages, self-insured policies, and appropriate care options. Additionally, it has insurance offerings for Medicare plans, dental coverages, telemedicine, and vision insurance. Moreover, Insurance Advisors also assists in processing Covered California documentary requirements and works with insurance providers like Anthem Blue Cross, United Healthcare, and Kaiser.

  • Life Insurance
  • Health Insurance
  • Long Term Care

32395 Clinton Keith Road, Wildomar, CA 92595
WebsiteLicense: 0H64829

Expertise.com Rating

Review Sources

Yelp
4.5 (10)
Google
5.0 (7)
Facebook
5.0 (4)

Why choose this provider?

MP Insurance is an agency that has been serving Murrieta and the surrounding communities since 1995. It offers individual life insurance plans for those who want to secure the futures of their families. Child life insurance coverage options are also available. In addition, its multilingual staff specializes in health, business, and Medicare insurance plans. The agency partners with multiple insurance carriers to present a wide range of tailored solutions to its clients based on their needs and financial goals.

  • Life Insurance
  • Health Insurance

32235 Mission Trail, Lake Elsinore, CA 92530
WebsiteLicense: 0620673

Expertise.com Rating

Review Sources

Google
4.0 (20)
Facebook
5.0 (2)

Why choose this provider?

Paul Niehouse Jr. is a State Farm insurance agent offering life insurance plans across Murrieta. He also provides insurance products that cover automobiles, properties, businesses, health, and pets. Both his father and grandfather are former insurance agents. Niehouse worked for his father after finishing university in 1983. He currently works with a team of bilinguals that include Joelle Earls and Maria Camargo. Niehouse has served in the United States Air Force for six years.

  • Life Insurance
  • Health Insurance

41197 Golden Gate Circle, Murrieta, CA 92562
WebsiteLicense: 0H79335

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Advantage America is a locally-owned and operated independent insurance agency that provides policies to individuals and businesses in the Murrieta area. It partners with multiple insurance companies to offer a wide variety of insurance products to its clients. Its professional consultants assist with life insurance policies that protect families in case of emergencies. Additionally, Advantage America offers coverage for personal properties, such as homes and vehicles. Risk management solutions for businesses are likewise available.

  • Life Insurance

32395 Clinton Keith Road, Wildomar, CA 92595
WebsiteLicense: 0822586

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (7)
Yelp
5.0 (4)

Why choose this provider?

Wildomar Insurance is a multi-line agency that provides personalized coverages to businesses, families, and individuals in the Murrieta metro and nearby communities. It is a life insurance service provider that offers whole and term coverages that can protect policyholders from financial losses caused by burial expenses and outstanding debts. Additionally, the company helps clients acquire long-term care, disability, Medicare, home, and flood insurance. Wildomar Insurance has been in the business for more than 29 years.

  • Life Insurance
  • Health Insurance

41669 Winchester Road, Temecula, CA 92590
WebsiteLicense: 0H98382

Expertise.com Rating

Review Sources

Google
4.7 (18)
Yelp
5.0 (14)
Facebook
5.0 (9)

Why choose this provider?

Jami McNees, a cancer survivor, aspires to cure individuals and families through health insurance plans. She is an insurance agent serving the Murrieta metro. She also offers small group health, life, and Medicare insurance products. McNees is the of Thrive Health Insurance Services and is a Certified Medicare Health Insurance Agent. She works with one of the leading general agencies, which has been in the health insurance industry for 30 years. McNees also serves as the chairwoman of Michelle's Place Cancer Resource Center's Expansion Campaign.

  • Health Insurance

24710 Washington Avenue, Murrieta, CA 92562
WebsiteLicense: 0I48797

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
4.0 (16)
Yelp
4.5 (10)

Why choose this provider?

Lizarraga Insurance Agency Inc. is an independent insurance agency that serves the Murrieta area. The firm is dedicated to helping clients find the insurance policies that fit their needs and budget specifications. Its team of agents assists them in setting up insurance plans, whether for term life that covers a specific period of time or whole life that provides coverage for policyholders throughout their whole lives. In addition, they carry health insurance plans.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

43015 Black Deer Loop, Temecula, CA 92590
WebsiteLicense: 0I67771

Expertise.com Rating

Review Sources

Google
5.0 (265)
Facebook
5.0 (18)
Yelp
5.0 (10)

Why choose this provider?

Old Harbor Insurance Services is an independent agency serving Murrieta and neighboring areas. It offers various life insurance solutions, including term life, whole life, universal life, and group life insurance. It also provides disability and long-term care coverage. Its policies also include auto and home protection, such as boat and motorcycle insurance as well as earthquake and flood insurance. Additionally, Old Harbor Insurance Services offers umbrella insurance for clients looking to get additional coverage beyond what traditional policies provide. The firm was founded in 2013.

  • Life Insurance

38975 Sky Canyon Drive, Murrieta, CA 92563
WebsiteLicense: 0M62738

Expertise.com Rating

Review Sources

Yelp
5.0 (26)
Google
5.0 (21)

Why choose this provider?

Dave Romney is an insurance agent who helps his clients in Murrieta and nearby metros secure their life and health through insurance plans. His services also include crafting insurance policies for businesses, personal articles, and renters. Moreover, he helps his clients with their financial and banking needs. He works under State Farm, which has been in the industry since 1922. It is also a Fortune 500 company that has already worked on millions of policies and accounts.

  • Life Insurance
  • Health Insurance

41811 Ivy Street, Murrieta, CA 92562
WebsiteLicense: 0I96350

Expertise.com Rating

Review Sources

Google
5.0 (481)
Yelp
5.0 (10)
Facebook
5.0 (3)

Why choose this provider?

For more than 40 years, The Insurance Store has been providing assistance to the Murrieta clients relating to their coverage for personal life and health. It also assists in securing coverage for businesses, with policies that can be intended for workers' compensation, business owners, and general liability. Another business insurance coverage includes a plan called inland marine which covers expensive mobile items. The company also provides trucking insurance solutions with coverage to physical damage, liability, cargo, and trailer interchange.

  • Health Insurance

40750 Symphony Park Lane, Murrieta, CA 92562
WebsiteLicense: 0643782

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Bulen & Associates Insurance Services is an insurance agency that serves clients in Murrieta. It offers term and whole life insurance policies that protect beneficiaries financially in the event of an untimely death. The agency also works with several insurance carriers, such as Ace, AIG, and AmTrust, to sell insurance products and services for boats, classic cars, jewelry, and business liability. The couple, Dave and Lynn Bulen, purchased the agency from Tommy Morrow in 1974. Dave started his career in sales selling cars in the 1950s.

  • Life Insurance

23811 Washington Avenue, Murrieta, CA 92562
WebsiteLicense: 0K75458

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

RH Benefits Insurance Services, Inc., serves the Murrieta area and focuses on helping seniors and their families avoid financial burdens associated with life insurance and long-term healthcare. The independent agency helps develop plans for final expenses with the aim of mitigating rate increases and benefits reduction. Its agents also help in Medicare and estate planning. RH Benefits Insurance Services was founded by Rob Haskins, who has been in the financial sector since 1980 and is fluent in Portuguese and Spanish.

  • Life Insurance
  • Health Insurance

43180 Business Park Dr Suite 202, Temecula, CA 92590
WebsiteLicense: 0B89363

Expertise.com Rating

Review Sources

Google
4.4 (9)
Yelp
5.0 (1)

Why choose this provider?

News Financial & Insurance Services, Inc., is an independent agency that has been providing life insurance and annuities in the Murrieta area for more than 30 years. Its team informs its clients about the different life insurance policies available and helps them choose one that is suitable for their needs. The company also offers medical, dental, vision, disability, and long-term care insurance. News Financial & Insurance Services also provides financial services, 401k programs, and other types of insurance products.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Hawkguard Insurance Services
28545 Old Town Front Street, Temecula, CA 92590
Amy Blackwell
40414 California Oaks Road, Murrieta, CA 92562
Mindy Chris
25136 Hancock Avenue, Murrieta, CA 92562
Diamond Valley Insurance Services
41856 Ivy Street, Murrieta, CA 92562
Echo Financial & Insurance Services
28360 Old Town Front Street, Temecula, CA 92590
Insurance Advisors
28039 Scott Road, Murrieta, CA 92563
MP Insurance
32395 Clinton Keith Road, Wildomar, CA 92595
Paul Niehouse Jr
32235 Mission Trail, Lake Elsinore, CA 92530
Advantage America
41197 Golden Gate Circle, Murrieta, CA 92562
Wildomar Insurance
32395 Clinton Keith Road, Wildomar, CA 92595
Jami McNees
41669 Winchester Road, Temecula, CA 92590
Lizarraga Insurance Agency Inc
24710 Washington Avenue, Murrieta, CA 92562
Old Harbor Insurance Services
43015 Black Deer Loop, Temecula, CA 92590
Dave Romney
38975 Sky Canyon Drive, Murrieta, CA 92563
The Insurance Store
41811 Ivy Street, Murrieta, CA 92562
Bulen & Associates Insurance Services
40750 Symphony Park Lane, Murrieta, CA 92562
RH Benefits Insurance Services, Inc.
23811 Washington Avenue, Murrieta, CA 92562
News Financial & Insurance Services, Inc.
43180 Business Park Dr Suite 202, Temecula, CA 92590

FAQs

  • Do life insurance policies in Murrieta offer living benefits?

    Permanent life insurance policies in Murrieta provide living benefits as well as financial value accumulation for policyholders. These are known as accelerated death benefit riders or living benefits riders. Loans and withdrawals are options for policyholders. They can use it to supplement their retirement income, pay off debts, or cover unexpected expenses.

  • Is it possible to designate multiple beneficiaries on your life insurance policy in Murrieta?

    Yes, you can use the per capita or per stirpes method to name more than one beneficiary on your Murrieta life insurance policy. When using the per capita approach, all named beneficiaries share the benefit. A beneficiary, on the other hand, will not receive a share in the event of their death. Rather, the shares of other members will increase proportionally. Meanwhile, if you use the per stripes method, the money will be divided equally among the deceased's children and grandchildren upon their death.

  • Do beneficiaries of life insurance policies in Murrieta pay taxes?

    The death benefit of a life insurance policy is frequently exempt from taxation, especially when beneficiaries in Murrieta receive it in a single, consolidated payment. However, if the beneficiary chooses to receive their assets in the form of an annuity, any interest earned within the annuity account may be taxed. This entails collecting a series of payments over a period of several years.

  • What happens to the life insurance provided by your Murrieta employer when you quit your job?

    If you decide to leave your job in Murrieta, your life insurance coverage may be canceled. Even if you leave your job, some policies may be transferable, allowing you to get the same coverage through a renewable-term life insurance policy. When insurers allow a policyholder to keep the same policy or switch to a different type of policy, this is referred to as portability.

  • How can you locate the life insurance policy of a deceased loved one in Murrieta?

    Check with the National Association of Insurance Commissioners to see if your deceased loved one in Murrieta had life insurance. Their Life Insurance Policy Locator locates benefits from US-purchased life insurance and annuities. Insurance companies may contact you if they discover a life policy or annuity contract in the deceased's name and you are the designated beneficiary or legal representative. This service is completely free. However, before using this service, check the deceased's personal records.

  • 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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