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2024

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Best Life Insurance Companies in Newport Beach, 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 Newport Beach 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.

3540Reviewed

2129Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5020 Campus Drive, Newport Beach, CA 92660
WebsiteLicense: 0C69281

Expertise.com Rating

Review Sources

Yelp
5.0 (12)
Google
5.0 (1)

Why choose this provider?

For over 20 years, Orange County Health & Life Insurance has served Newport Beach and the surrounding communities. The independent agency shops for term life, permanent life, and universal life plans from national and regional insurance carriers. It also processes applications and answers queries about life insurance policies online. This includes possible coverages like final expenses, mortgage protection, income replacement, and death benefits. Orange County Health & Life Insurance also provides different health insurance plans, such as Medicare, dental, vision, and long-term care policies.

  • Life Insurance
  • Health Insurance

2700 East Coast Highway, Newport Beach, CA 92625
WebsiteLicense: 0F09645

Expertise.com Rating

Review Sources

Yelp
4.0 (12)
Google
5.0 (3)

Why choose this provider?

Jerry Estabrook works in Newport Beach as a licensed agent for State Farm Insurance. One of his specialties is life insurance services. He offers whole, universal, and term insurance policies. He also assists clients when they need to change their policies or update their beneficiaries. He explores financial solutions that his company offers and helps clients in finding the insurance coverage that fits their situation. Jerry also offers other products such as auto, property, business, and health insurance.

  • Life Insurance
  • Health Insurance

5020 Campus Drive, Newport Beach, CA 92660
WebsiteLicense: 0I96581

Expertise.com Rating

Review Sources

Google
5.0 (9)

Why choose this provider?

Balboa Pacific is an insurance service provider headquartered in Newport Beach. The agency offers various insurance products from a wide range of carriers. Its team of agents offers life insurance policies, including term and whole-life coverage. The team assists clients in choosing a policy by considering their needs and financial capabilities. In addition to life insurance, the agency provides an array of health insurance coverages that provide discounts for outpatient and inpatient care services, emergency room visits, and preventive services.

  • Life Insurance
  • Health Insurance

2436 West Coast Highway, Newport Beach, CA 92663
WebsiteLicense: 0D78390

Why choose this provider?

Signature Insurance Services is an insurance firm in Newport Beach. It specializes in group life and disability insurance services, offering products such as life insurance, health insurance, disability insurance, and dental plans for company employees or members of organizations. It represents multiple carriers, allowing its agents and clients to explore and choose from a range of insurance plan designs. It monitors the group insurance industry and updates its clients' products based on any changes in benefits, legislation, and carrier procedures.

  • Life Insurance

120 Tustin Avenue, Newport Beach, CA 92663
WebsiteLicense: 6003244

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Established in 2018, Newport Beach Insurance Center offers life insurance products. Its managing broker, Brett Fulmer, is a regular contributing author for an insurance blog called Insurance Nerds. Fulmer established the company to fuse insurance and technology. The agency offers access to a diverse network of insurance carriers, such as AIG, John Hancock, MetLife, Hagerty, and Safeco. Newport Beach Insurance Center also offers services such as home, auto, and umbrella insurance.

  • Life Insurance
  • Health Insurance

260 Newport Center Drive, Newport Beach, CA 92660
WebsiteLicense: 0M66986

Expertise.com Rating

Review Sources

Yelp
5.0 (32)

Why choose this provider?

Newport Benefits Insurance Solutions is an independent insurance and risk management company that serves residential and commercial clients in Newport Beach and its surrounding areas. It offers a comprehensive suite of insurance products and services, including life, health, commercial liability, and hazard insurance coverage. The company is managed by a staff of professional insurance agents able to evaluate business or individual customers’ needs and financial status and propose protection plans that meet their criteria. Newport Benefits Insurance Solutions also offers medical malpractice and professional liability insurance. 

  • Life Insurance
  • Health Insurance
  • Individual Plans

2700 West Coast Highway, Newport Beach, CA 92663
WebsiteLicense: 0M77534

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Google
5.0 (13)
Facebook
5.0 (6)

Why choose this provider?

Shea Ferraro is an agent at State Farm Insurance, serving the insurance needs of clients in Newport Beach. He has over 12 years of experience in the industry, offering life insurance products such as whole life, term life, and universal life insurance coverage. As an agent for the company since 2009, Ferraro also provides other types of insurance options, such as car, home and property, small businesses, health, disability and liability, and pet medical plans.

  • Life Insurance
  • Health Insurance

4667 Macarthur Boulevard, Newport Beach, CA 92660
WebsiteLicense: 0I06664

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

ACACIA Insurance Services is led by its founder and president Craig Matesky who has 25 years of experience in the life insurance industry. The company offers customized insurance solutions to individuals and corporate clients in Newport Beach and other neighboring communities. The agency is partnered with insurance carriers and finds the most appropriate coverage that matches its clients' financial goals. It offers 10-year, 15-year, 20-year, and 30-year term insurance policies and traditional long-term care insurance.

  • Life Insurance

15 Corporate Plaza Drive, Newport Beach, CA 92660
WebsiteLicense: 0B29993

Expertise.com Rating

Review Sources

Yelp
4.0 (11)
Google
5.0 (8)

Why choose this provider?

Kathleen Peters is a State Farm insurance agent who has served clients in Newport Beach for over 28 years. She provides life and health insurance policies, as well as pet insurance. She offers coverage for properties, such as homes and automobiles. Additionally, she specializes in risk management solutions for women-owned businesses and other commercial insurance products. Kathleen also provides services for banking, mutual funds, and annuities. Her team is composed of English and Spanish-speaking agents.

  • Life Insurance
  • Health Insurance

1001 Dove Street, Newport Beach, CA 92660
WebsiteLicense: 0I32344

Expertise.com Rating

Review Sources

Google
4.0 (10)
Yelp
4.0 (9)
Facebook
5.0 (2)

Why choose this provider?

Murvay Insurance provides customized insurance plans for residents and businesses in the Newport Beach area. It offers life insurance products, as well as coverage for vehicles, watercraft, homes, rental properties, and condos. Additionally, clients can avail of umbrella policies to provide additional coverage for excess liabilities. Commercial insurance such as open and specified perils policies. Murvay Insurance is a Dave Ramsey Endorsed Local Provider, working with multiple insurance carriers to provide the needs of its clients.

  • Life Insurance

6306 West Pacific Coast Highway, Newport Beach, CA 92663
WebsiteLicense: 0F57784

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Tad Buchoz Insurance is an insurance firm that serves clients in the Newport Beach area. It offers a range of life insurance policies to help clients prepare for unexpected future circumstances and provide financial security to their families and loved ones. Its policies include permanent and term life. It also provides risk protection policies for retirement and annuities. Its principal agent, Tad Buchoz, was a competitive surfer and has worked in the mortgage and automotive fields before joining the insurance industry.

  • Life Insurance

275 Lower Cliff Drive, Laguna Beach, CA 92651
WebsiteLicense: 0790506

Expertise.com Rating

Why choose this provider?

For over 34 years, Sansevieri Insurance Services has been serving California's Orange Coast, including Newport Beach and Laguna Beach. It specializes in life insurance services, offering clients whole life, term life, and universal life insurance products. It assists clients in identifying their insurance priorities and find solutions appropriate to their defined needs. The company represents multiple insurance carriers and also provides other products such as group medical coverage, dental and vision benefits, as well as annuities.

  • Life Insurance
  • Health Insurance

2915 Red Hill Avenue, Costa Mesa, CA 92626
WebsiteLicense: 0I78923

Expertise.com Rating

Review Sources

Yelp
5.0 (15)
Facebook
4.3 (6)

Why choose this provider?

Nabavian Insurance Agency is a multi-line independent agency that serves clients in Newport Beach and nearby areas. The agency focuses on providing a range of life insurance products from multiple insurance carriers, including MetLife, Guard Insurance Group, Applied Underwriters, Nationwide, Progressive, Anthem Blue Cross Blue Shield, and Blue Shield of California. It also offers health, disability, general liability, homeowners, auto, and commercial auto insurance. Neda Nabavian is the owner of Nabavian Insurance Agency. She has been serving as its president since 2009.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Orange County Health & Life Insurance
5020 Campus Drive, Newport Beach, CA 92660
Jerry Estabrook
2700 East Coast Highway, Newport Beach, CA 92625
Balboa Pacific
5020 Campus Drive, Newport Beach, CA 92660
Signature Insurance Services
2436 West Coast Highway, Newport Beach, CA 92663
Newport Beach Insurance Center
120 Tustin Avenue, Newport Beach, CA 92663
Newport Benefits Insurance Solutions
260 Newport Center Drive, Newport Beach, CA 92660
Shea Ferraro
2700 West Coast Highway, Newport Beach, CA 92663
ACACIA Insurance Services
4667 Macarthur Boulevard, Newport Beach, CA 92660
Kathleen Peters
15 Corporate Plaza Drive, Newport Beach, CA 92660
Murvay Insurance
1001 Dove Street, Newport Beach, CA 92660
Tad Buchoz Insurance
6306 West Pacific Coast Highway, Newport Beach, CA 92663
Sansevieri Insurance Services
275 Lower Cliff Drive, Laguna Beach, CA 92651
Nabavian Insurance Agency
2915 Red Hill Avenue, Costa Mesa, CA 92626

FAQs

  • When should you reassess your life insurance coverage in Newport Beach?

    It's advisable to review your life insurance policy in Newport Beach on various occasions, such as:

    • When welcoming a new member into the family.
    • Upon starting a new job.
    • When initiating or expanding your business.
    • In the event of a notable change in your yearly income.
    • When a child departs for college.
    • In the event of you or your spouse acquiring an inheritance.
    • If you or your spouse experience a disability.
    • As retirement approaches.
    • Upon purchasing or refinancing a house.
  • What effects does marijuana use have on life insurance coverage in Newport Beach?

    In Newport Beach, consuming marijuana often does not result in an immediate denial of life insurance. The amount of use is most important. It's vital to have your agent look into several insurance companies for you because each one has its own rules. To help your agent in locating insurance providers who accept marijuana use, be straightforward about your usage.

  • When does your life insurance coverage start in Newport Beach?

    It depends on the insurance provider in Newport Beach. In most cases, insurance coverage starts once the insurance company receives and approves the application, issues the policy, completes all required paperwork, and obtains the initial premium payment. Nevertheless, the majority of insurance companies offer temporary and conditional coverage after the medical examination if the insurance premium is paid upon application receipt. The limitations outlined in the conditional receipt also apply to this coverage.

  • Is it possible for your life insurance policy to be terminated in Newport Beach due to health or other factors?

    When a life insurance policy is issued in Newport Beach, it cannot be canceled by the insurance company at any time throughout the policy period, regardless of health changes. However, if the necessary premium payments are not made and the policy expires, the insurance provider can cancel the coverage. Additionally, coverage might be terminated or a death benefit claim could be rejected if any of the information you provided on the application were discovered to be false, fraudulent, or deceptive.

  • What are the two kinds of life insurance in Newport Beach?

    The first type of life insurance in Newport Beach is whole life insurance, which remains active for your lifetime as long as you keep up with the premiums. It includes a cash value investment aspect. The second type is term life insurance, where your beneficiaries receive a death benefit if you pass away within a specified term, typically 10, 20, or more years. If you outlive the policy's duration, the policy won't pay out and will terminate when the term concludes.

  • 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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