Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in San Bernardino, CA

Our Recommended Top 12

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 San Bernardino 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.

9582Reviewed

5754Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1389 N D St, San Bernardino, CA 92405

Expertise.com Rating

Review Sources

Yelp
4.5 (22)

Why choose this provider?

Benco Insurance Services has provided a full range of personal and business insurance products since 1981. The independent life insurance company in San Bernardino works with a network of top-rated carriers to deliver customized plans that meet its clients' needs. Its agents assist individuals with determining the type of life insurance policy that offers the most comprehensive coverage for their circumstances. They evaluate current and future earnings, familial responsibilities, debts, and assets before recommending a term, whole, or universal package. Benco Insurance Services also offers policies with long-term care riders as well as annuities. Additionally, the company's services extend to health insurance with supplemental coverage.

Del Rosa Avenue, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.9 (544)
Yelp
3.5 (6)
Facebook
5.0 (2)

Why choose this provider?

Hammer Insurance Services, Inc. is an insurance agency that serves clients in San Bernardino and nearby areas. The company assists individuals and entrepreneurs in acquiring the most suitable insurance policies for their needs. The agency offers personal auto, motorcycle, and home insurance programs. It also provides several insurance options for business owners, including business owner policy, commercial vehicle, property insurance, and general liabilities. Other offerings include emergency roadside plans, telemedicine programs, and DMW services. The company has been operating since 2004 and has 11 offices across California.

1794 North Waterman Avenue, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.3 (11)
Facebook
5.0 (4)
Yelp
3.0 (2)

Why choose this provider?

Gil Lemus Insurance Services, LLC is a full-service insurance provider that caters to clients in San Bernardino and nearby areas. The company assists individuals, families, and entrepreneurs in securing the right insurance coverage that is suitable to their needs. The firm offers several types of insurance programs, including auto, motorcycle, home, property, business, commercial, and life coverage. The company has received consistently high ratings from AM Best, a leading insurance rating provider. Employees at the firm are fluent in English and Spanish, allowing them to cater to international clients.

1881 Commercenter E Ste 212, San Bernardino, CA 92408
WebsiteLicense: 0735934

Expertise.com Rating

Why choose this provider?

Eagle Strategies LLC is an insurance company operating in San Bernardino. It offers life insurance products that can help protect families and their futures. Its team of professionals assists individuals in acquiring a policy that can be used for different purposes such as supplement for retirement income, business succession, and charitable giving plans. One of its financial advisers, Jack Knight, is also a registered investment adviser who provides clients with customized plans for their financial goals.

  • Life Insurance

297 East Highland Avenue, San Bernardino, CA 92404

Expertise.com Rating

Review Sources

Google
4.3 (98)
Yelp
3.5 (15)

Why choose this provider?

Fiesta Auto Insurance helps families in San Bernardino find suitable car insurance products. Its team of professionals informs car owners of insurance coverage and applicable premiums for new or used car purchases. They also provide multiple insurance quotes, allowing clients to pick insurance types that fit their needs. Moreover, they cater to Spanish-speaking property owners, offering assistance for business and home insurance needs. Fiesta Auto Insurance also assists clients in tax preparation, handling refunds and ITIN applications.

454 North Arrowhead Avenue, San Bernardino, CA 92401

Expertise.com Rating

Review Sources

Facebook
5.0 (24)
Google
4.8 (20)
Yelp
3.5 (6)

Why choose this provider?

State Farm Agency's RC Chavez is an insurance professional that offers financial assistance for clients around San Bernardino. In 2000, Chavez established his own agency together with his wife and has since provided insurance support covering areas such as auto, health, business, and property. Aside from insurance products, Chavez's agency also covers mutual funds and annuities. Chavez is a chartered financial consultant and life underwriter as well as an awardee of the State Farm Bronze Tablet.

275 9th Street, San Bernardino, CA 92410

Expertise.com Rating

Review Sources

Google
4.1 (18)
Facebook
5.0 (11)
Yelp
1.0 (2)

Why choose this provider?

City Best Insurance Services Inc. is an independent brokerage based in San Bernardino that's been providing unbiased advice and professional services to individuals and families throughout the county for many years. Its agents routinely help clients find the best life and health insurance policies for their needs that fall within their budgets. They also help clients fully understand what their policies cover and assist in filing claims. The brokerage's additional services include auto insurance and DMV renewals.

1020 Nevada Street, Redlands, CA 92374
WebsiteLicense: 0L52081

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Yelp
3.0 (5)

Why choose this provider?

AASI is a life insurance company that services clients from San Bernardino. The agency provides life insurance policies with a wide range of coverages depending on the unique needs of clients. Aside from life insurance, the company also guides clients in filing their taxes and all the processes that come with it. The firm is well-versed in handling the needs of individuals and business owners. Bookkeeping, quarterly reviews, and financial planning services are also available.

  • Life Insurance

685 East Carnegie Drive, San Bernardino, CA 92408
WebsiteLicense: 0691096

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Henehan has been providing life insurance services to clients in San Bernardino since 1985. Its staff members offer individual or group insurance products for clients who want to protect their family members after their death. This includes a temporary life term that covers death benefits and income replacement for 10 to 20 years. It also offers permanent life insurance covering the policyholder's life and the cash value of their policy. Its founder, Joe Henehan, specializes in medical and health savings account.

  • Life Insurance
  • Health Insurance

1209 Nevada St Ste 200, Redlands, CA 92374

Expertise.com Rating

Review Sources

Google
4.8 (21)
Facebook
5.0 (6)

Why choose this provider?

Fast Forward Insurance Services is an independent agency that provides its clients with a wide selection of insurance solutions. As a partner with a network of top-rated carriers, the company offers the flexibility to tailor its life insurance products to meet its clients' needs. Its agents consult with individuals to determine which policy offers the most effective coverage based on such unique circumstances as current and future earnings, mortgages and other debts, familial obligations, and assets. Based on the complete analysis, the company may recommend a term or permanent policy. Fast Forward Insurance Services also offers homeowners, renters, auto, and business insurance options.

2627 South Waterman Avenue, San Bernardino, CA 92408
WebsiteLicense: 0G71708

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
3.0 (2)

Why choose this provider?

John Keen is an insurance agent partnered with StateFarm that has been serving San Bernardino and the surrounding areas for over 44 years. He helps clients be financially secured for retirement through life insurance policies like term life, whole life, and universal life products. He also offers auto, property, and health insurance. Commercial clients wanting to get additional coverage regarding commercial auto, workers' compensation, and surety and fidelity bonds can consult with John as well.

  • Life Insurance
  • Health Insurance

1255 W Colton Ave Ste 571, Redlands, CA 92374

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Meraki Financial & Insurance Services has provided financial planning and insurance solutions for more than 12 years. The independent agency assists clients with life insurance options, advising on the most effective coverage for individual situations. Its agents evaluate personal circumstances, such as current and future earnings, familial obligations, mortgage and other debts, and assets before recommending a term, whole, or universal policy. The company also works with a network of top-rated carriers to deliver health coverage tailored for the individual. Policies may include supplement plans that include Medicare, long-term care, disability, dental, and vision. Its agents assist clients with locating plans accepted by their physicians.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Benco Insurance Services
1389 N D St, San Bernardino, CA 92405
Hammer Insurance Services, Inc.
Del Rosa Avenue, San Bernardino, CA 92404
Gil Lemus Insurance Services, LLC
1794 North Waterman Avenue, San Bernardino, CA 92404
Eagle Strategies LLC
1881 Commercenter E Ste 212, San Bernardino, CA 92408
Fiesta Auto Insurance
297 East Highland Avenue, San Bernardino, CA 92404
State Farm - RC Chavez
454 North Arrowhead Avenue, San Bernardino, CA 92401
City Best Insurance Services Inc.
275 9th Street, San Bernardino, CA 92410
AASI
1020 Nevada Street, Redlands, CA 92374
Henehan
685 East Carnegie Drive, San Bernardino, CA 92408
Fast Forward Insurance Services
1209 Nevada St Ste 200, Redlands, CA 92374
John Keen
2627 South Waterman Avenue, San Bernardino, CA 92408
Meraki Financial & Insurance Services
1255 W Colton Ave Ste 571, Redlands, CA 92374

FAQs

  • What happens if you do not designate a beneficiary for your life insurance in San Bernardino?

    If you do not designate a beneficiary for your life insurance in San Bernardino, your surviving spouse or domestic partner will be the default beneficiary. This is the individual whose legally recognized spouse or domestic companion of the insured. The next in line to receive your life insurance would be your children, siblings, parents, and estate.

  • Which individuals should contemplate acquiring universal life insurance in San Bernardino?

    People in San Bernardino looking for life insurance that provides protection for the rest of their lives should consider universal life insurance. If you require both life insurance and an accumulation vehicle to reach your long-term financial objectives, this could be a good option for you. The rates and the level of coverage on a universal life insurance policy are flexible.

  • What are life insurance ratings, and how do they influence your policy's premium in San Bernardino?

    In San Bernardino, life insurance ratings are also known as the rating category. Insurance companies use this tool to distinguish between low, medium, and high-risk people. They assign a rating to your application. These ratings are influenced by your medical history and laboratory tests that determine your health. Thus, it will affect your premiums because if you fall into the high-risk category, your insurance cost will be higher due to insurers' propensity to pay out larger claims.

  • Can an individual in their forties purchase a life insurance policy in San Bernardino?

    Yes. You can obtain life insurance in your forties in San Bernardino. Since you will be older when you purchase this policy, you should select one with a lesser term. Another option is to choose the policy's term based on your specific objective. For instance, you will purchase a term life insurance to pay off your mortgage. You can synchronize the policy's expiration date with the estimated mortgage repayment date. After paying off the loan, you are free to let the plan expire.

  • Can you establish a trust in San Bernardino to distribute your life insurance proceeds?

    Yes. You need a financial planner to create a trust in San Bernardino. There should be specific guidelines when building a trust. This involves appointing someone to oversee it and establishing criteria for how the funds within it should be used. Once set up, you can customize the life insurance policy. Inform your family and trust manager of your plans so they understand what you desire.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...