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2024

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Best Life Insurance Companies in Salinas, CA

Our Recommended Top 11

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 Salinas 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.

6980Reviewed

4192Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3785 Via Nona Marie, Suite 303, Carmel, CA 93923
WebsiteLicense: 0678857

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Carmel Bay Group Insurance has been serving clients in the metro and nearby areas, such as Salinas and Monterey, since 1985. It manages term life and whole life insurance plans for people seeking to financially protect their loved ones in the event of unfortunate circumstances. It may also facilitate other personal insurance plans like group, disability, and long-term coverage. As a full-service and independent insurance agency, it collaborates with various carriers to provide an insurance package tailored to the needs of its individual, business, and commercial clients.

  • Whole Life Insurance
  • No Exam Policies
  • Group Plans

600 East Market Street, Salinas, CA 93905

Expertise.com Rating

Review Sources

Google
4.0 (33)
Facebook
5.0 (8)
Yelp
2.5 (2)

Why choose this provider?

Ramirez Insurance Services is an agency that has been operating in Salinas since 1992. It offers term and whole life insurance plans for individuals and groups. Its team also specializes in Mexican auto, business, and home insurance. Moreover, the agency works with trucking companies and transportation vehicles for their insurance needs. It partners with multiple carriers nationwide to shop for insurance plans and coverage options for the unique needs and financial goals of each client.

  • Life Insurance

559 East Alisal Street, Salinas, CA 93905
WebsiteLicense: 0K30812

Expertise.com Rating

Review Sources

Yelp
4.0 (9)
Facebook
5.0 (8)
Google
5.0 (5)

Why choose this provider?

Chris Buich is an insurance agent based in Salinas that has been providing life insurance plans through State Farm since 2009. He has qualified for multiple awards within the company, including Ambassador Travel and Chairman's Circle. As an agent, Buich helps customers shop for life insurance coverage, such as term life or lifetime coverage plans. He also assists clients in requesting policy changes and filing claims. Buich can also guide clients in getting coverage for healthcare, vehicles, homes, and pets.

  • Life Insurance
  • Health Insurance

7600 Monterey Road, Gilroy, CA 95020
WebsiteLicense: 0M27927

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

PCB Insurance Services, LLC, is a multi-line agency that assists Salinas residents. Included in its product line is individual life insurance, which has three types: term life, universal life, and whole life. The company's team of independent agents has access to policy options from many providers such as MetLife and Liberty Mutual, allowing them to find coverages that will match clients' needs. PCB Insurance Services is headed by Dave Villar, an insurance professional with 34 years of experience.

  • Life Insurance
  • Health Insurance
  • Long Term Care

783 Rio Del Mar Boulevard, Aptos, CA 95003
WebsiteLicense: 0436405

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Serving Salinas, Scurich Insurance Services is a business providing a variety of insurance policies. It offers life insurance coverage to help ensure the financial stability of the beneficiary in the event of the policyholder's death. The company’s life insurance policy also acts as a private pension arrangement. Scurich Insurance Services also provides commercial, auto, health, and homeowners insurance policies. The company’s team of professionals has a combined experience of over 160 years in the insurance business.

  • Life Insurance
  • Health Insurance

1976 Fremont Boulevard, Seaside, CA 93955
WebsiteLicense: 6003947

Expertise.com Rating

Review Sources

Google
4.0 (48)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Ryan Travaille opened his own State Farm insurance agency in 2007 and has been serving the community of Salinas and other surrounding cities since then. He and his team are able to discuss policies and coverage in English or Spanish. They also help clients choose the best life insurance products that fit their lifestyle and budget. The agency offers term life, whole life, and universal life insurance. In addition, it crafts group life insurance plans for small businesses, which include policies for employees.

  • Life Insurance
  • Health Insurance

21 West Laurel Drive, Salinas, CA 93906
WebsiteLicense: 0k28529

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Clock Insurance & Financial Solutions, Inc. is a company serving personal and commercial clients in Salinas and the surrounding areas. It strives to provide its customers with policies that fit their needs through the multiple products that they offer. These include life insurance, final expense, and long-term care services. Workers' comp, general liability, and property coverage are also available to commercial clients. Other services that the company provides include a notary public as well as vehicle registration, transfer, and renewal services.

  • Life Insurance

4 Rossi Circle, Salinas, CA 93907
WebsiteLicense: 0653531

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Mark Dierolf Insurance & Retirement Services provides financial and insurance solutions to customers in the Salinas metro. It offers products like life insurance, final expense benefits, and Medicare services. Commonly used for retirement planning, the firm’s life policy coverage comes in traditional cash value, no cash value, and modified endowment options. The company also handles retirement and life settlement plans. Its owner, Mark Dierolf, has almost 40 years of industry experience in helping people secure their incomes and set aside funds for retirement.

  • Life Insurance

454 East Alisal Street, Salinas, CA 93905
WebsiteLicense: 0M22095

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (4)

Why choose this provider?

Lemus Insurance & Financial Services Inc. provides its services to businesses and individuals in the Salinas area. It is a health insurance service provider that offers a range of options, including Medicare, dental, vision, critical illness care, and disability coverage. The company works with various health insurance carriers, such as United Healthcare, Kaiser Permanente, and Blue Shield of California. Lemus Insurance & Financial Services Inc. is a family-owned business that has been in the industry for more than 10 years.

  • Life Insurance
  • Health Insurance

Post Office Box 22423, Carmel, CA 93922
WebsiteLicense: 0385002

Expertise.com Rating

Why choose this provider?

James W. Goodacre has been delivering a broad range of insurance products and services to individuals, families, and businesses since 1969. He assists clients in Salinas with term and permanent life, dental, disability, health, travel, and vision insurance. Permanent life insurance ranges from whole life, universal life, variable life, to variable universal. Goodacre also handles insurance services for Medicare supplements, short-term medical, long-term care, annuities, and accidental death or dismemberment. He served as the president of Monterey Bay Association of Health Underwriters from 2006-2007.

  • Life Insurance
  • Health Insurance

7 North Hebbron Avenue, Salinas, CA 93905
WebsiteLicense: 0I46537

Expertise.com Rating

Review Sources

Google
4.0 (81)
Facebook
5.0 (6)
Yelp
3.0 (5)

Why choose this provider?

Amezcua Insurance is an independent brokerage providing its services to clients in Salinas. It offers life insurance services that aim to help protect the client's family by covering medical bills, mortgage or rent, college tuition, and funeral costs. The agency provides three types of life insurance coverage: whole life, term life, and universal life. Its other insurance products include business insurance, auto insurance, and home insurance. Amezcua Insurance has been serving the Central Coast area for more than 20 years.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Carmel Bay Group Insurance
3785 Via Nona Marie, Suite 303, Carmel, CA 93923
Ramirez Insurance Services
600 East Market Street, Salinas, CA 93905
Chris Buich
559 East Alisal Street, Salinas, CA 93905
PCB Insurance Services, LLC
7600 Monterey Road, Gilroy, CA 95020
Scurich Insurance Services
783 Rio Del Mar Boulevard, Aptos, CA 95003
Ryan Travaille
1976 Fremont Boulevard, Seaside, CA 93955
Clock Insurance & Financial Solutions, Inc.
21 West Laurel Drive, Salinas, CA 93906
Mark Dierolf Insurance & Retirement Services
4 Rossi Circle, Salinas, CA 93907
Lemus Insurance & Financial Services Inc.
454 East Alisal Street, Salinas, CA 93905
James W. Goodacre
Post Office Box 22423, Carmel, CA 93922
Amezcua Insurance
7 North Hebbron Avenue, Salinas, CA 93905

FAQs

  • When purchasing life insurance in Salinas, is a medical exam necessary?

    A health exam is required as part of the Salinas life insurance application process. The examination must be performed by a paramedic. The assessment, which lasts about 15 to 20 minutes, includes a blood and urine sample, a blood pressure check, weight and height measurements, and a few questions about the patient's medical history.

  • Can the insurer in Salinas terminate the policy if the insured's health status changes?

    It is not possible to cancel an insurance policy once it has been issued by a Salinas insurance provider. Regardless of how your health has changed, you will retain your current level of coverage. Furthermore, an insurance company can only cancel your policy if you fail to pay your premiums on time.

  • What can a smoker in Salinas do to lower their life insurance premiums?

    Smokers in Salinas should quit to cut their life insurance premiums. Quitting smoking may lower their premiums to non-smoker rates after one to two years. Smokers can buy term life insurance while quitting and cancel it after they become nicotine-free. Term life insurance cancellations are free. The non-smoker premium can be used to purchase a new whole-life or term policy or to convert a term policy to a whole-life plan.

  • What happens if you fail to inform your Salinas insurance provider that you are a smoker?

    You could be charged with insurance fraud if you gave false information about your smoking habits. When purchasing life insurance in Salinas, applicants must have a medical exam wherein blood and urine samples will be tested for indications of nicotine use. Lying about smoking may result in an application being declined. Furthermore, the insurance includes a contestability period during which insurers will review the application for any misleading information. Therefore, they can refuse your death benefit or reduce the payout amount.

  • What is children's life insurance, and how would you know if your child in Salinas is qualified for it?

    Children's life insurance is designed to assist minors and young adults in Salinas in establishing a solid financial foundation. The minimum age requirement ranges from 0 to 14 days. They will not have to undergo a medical examination. Children's age, gender, and risk classification will determine the premium, as well as the requested amount of coverage.

  • 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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