Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in San Diego, CA

Our Recommended Top 19

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 Diego 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.

56674Reviewed

34012Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

270 E Douglas Ave, El Cajon, CA 92020

Expertise.com Rating

Review Sources

Facebook
5.0 (28)

Why choose this provider?

Home Wealth Financial & Insurance is a life and health insurance agency near San Diego, serving residents in the surrounding communities. The agency provides free consultations that include a personal profile, analysis, and outlined strategies for coverage and wealth creation. Its agents can customize most types of life and health insurance, from policies that pay off a mortgage and fund college education to those that cover the costs of medical treatments and long-term care.

600 W Broadway, San Diego, CA 92101
WebsiteLicense: 0N05774

Expertise.com Rating

Review Sources

Google
5.0 (33)

Why choose this provider?

My Benefits Coach International LLC is an insurance brokerage serving consumers in the San Diego community. It offers an individual life insurance program that comes with two options: short- and long-term. It also offers health and disability insurance plans. My Benefits Coach International LLC also helps facilitate large or small businesses' benefits administration and HR support. Founder Karen Marie Hsu has been in the industry for over 25 years and has been nominated for Family-Owned Business Of The Year by the San Diego Business Journal.

  • Life Insurance
  • Health Insurance
  • Individual Plans

9699 Tierra Grande St., Suite 100, San Diego, CA 92126
WebsiteLicense: 0B35148

Expertise.com Rating

Review Sources

Yelp
4.5 (34)
Google
5.0 (16)
Facebook
5.0 (15)

Why choose this provider?

B.H. Gold Insurance Agency has been serving clients in San Diego and the surrounding areas since 1986. It provides life insurance policies that cover funeral costs, education benefits for children, and replacement earnings for lost wages. It offers whole and term life insurance throughout the metro and in 42 states across the country. It has a variety of insurance products, such as home, auto, business, and workers' compensation insurance, and partners with carriers like Zurich, Hagerty, Progressive, and Pure Insurance.

  • Life Insurance
  • Health Insurance

5106 Federal Blvd Ste 105, San Diego, CA 92105
WebsiteLicense: 0E46270

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Richard Parker is an insurance agent at State Farm. He serves individuals, families, and businesses in the community of San Diego and its surrounding areas. He provides a wide range of insurance coverage, such as life, commercial truck, automobile, business, health, and homeowners' insurance. State Farm is an insurance company that has been operating since 1922. It offers investment services that include retirement planning, annuities, mutual funds, and educational savings. It has more than 19,000 independent contractor agents across the country.

  • Life Insurance
  • Health Insurance

3691 Via Mercado Ste 13, La Mesa, CA 91941

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Haisha Insurance Services Inc. is an independent agency that serves seniors, individuals, families, and businesses. It offers an array of risk management services, such as customized life and health insurance underwritten by leading carriers, including Blue Shield and Transamerica. It also provides impartial advice on various Medicare plans, disability, and long-term care insurance. Richard Haisha, the agency's lead adviser, is a member of the National Association of Health Underwriters and the National Association of Professional Agents.

2313 El Cajon Blvd, San Diego, CA 92104
WebsiteLicense: 0I44860

Expertise.com Rating

Review Sources

Google
4.7 (43)
Facebook
5.0 (26)
Yelp
4.0 (6)

Why choose this provider?

Dorian Brewer is a State Farm insurance agent who caters to clients in San Diego. His life insurance products provide coverage for individuals in the event of their passing through illness or an accident, or from natural causes. Dorian provides in-person consultations that help clients identify their needs and assess their situations to craft customized plans for their goals. He also offers products for supplemental medical care and coverage in terms of workers' compensation. The insurance specialist is a member of the San Diego Equality Business Association.

  • Life Insurance
  • Health Insurance

1420 Kettner Boulevard Suite #100, San Diego, CA 92101
WebsiteLicense: 0M75769

Expertise.com Rating

Why choose this provider?

AMG Life Solutions caters to clients in the San Diego metro and the surrounding areas. It helps individuals protect their loved ones by offering life insurance policies. It also provides different types of health insurance products, including Medicare Advantage and Medicare Supplement plans. In addition, it works in the areas of fixed indexed annuity and Social Security. Adrian Meneses, the firm's insurance broker, holds the National Social Security Advisor designation. He speaks Spanish and offers his services to members of the Hispanic and Latino communities.

  • Life Insurance
  • Health Insurance

2850 Womble Rd Suite 103, San Diego, CA 92106
WebsiteLicense: 0G13604

Expertise.com Rating

Review Sources

Facebook
4.9 (27)
Yelp
5.0 (21)
Google
5.0 (19)

Why choose this provider?

Ives Insurance Services, inc., is a full-service insurance agency that caters to residents of San Diego and surrounding communities. It offers life insurance policies for both personal and commercial purposes, from death benefits to ownership transfers. The agency can also educate first-time clients about the benefits and differences of term-life policies, permanent life policies, and universal life policies. Ives Insurance Services was established in 1959 by Dick Ives, who believed in building individualized policies. Since 1989, it has been managed by Dick's daughter, Sharon Ives.

  • Life Insurance
  • Health Insurance
  • Long Term Care

1761 Hotel Circle S Suite 320, San Diego, CA 92108
WebsiteLicense: 0H99551

Expertise.com Rating

Review Sources

Google
5.0 (101)
Facebook
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Readylane Insurance Svcs serves residential and commercial clients in San Diego. It provides life, health, umbrella, homeowners', and renters' insurance products. The company also handles insurance covering workers' compensation, general liability, EPLI, and professional liability. It also works on DMV matters such as registration, renewal, and title transfer. Its team of agents has more than 30 years of combined experience in the industry. Since its inception, Readylane Insurance Svcs has attended to the needs of over 5,000 clients.

  • Life Insurance

7183 Navajo Rd Ste M, San Diego, CA 92119

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

The Doctors Insurance Broker was founded in 2012 by insurance agents who wanted to return to traditional methods of supporting their clients that wouldn't involve call centers. Each client is assigned a single agent who is their one point of contact for all of the agency's insurance services, which includes life, health, and long-term care. Its clients are typically medical professionals, such as dentists, nurses, and physicians. The agency also specializes in professional liability insurance.

302 Washington Street, Suite 156, San Diego, CA 92103
WebsiteLicense: 0L62530

Expertise.com Rating

Review Sources

Google
5.0 (512)
Yelp
5.0 (18)
Facebook
5.0 (7)

Why choose this provider?

Insurance Experts Solutions offers life insurance policies to individuals and families in San Diego and the neighboring communities. The insurance brokerage provides key person life insurance, deferred compensation plans, traditional and hybrid long-term care insurance, and individual health plans. It has partnerships with Mutual of Omaha, MetLife, American General Life Insurance, and Lincoln Financial Group. The insurance brokerage was founded in 1973 by Michael G. Collins, and is now owned and operated by his nephew Jason P. Veirs.

  • Life Insurance

3633 Camino Del Rio South Suite 100, San Diego, CA 92108
WebsiteLicense: 0G47186

Expertise.com Rating

Review Sources

Yelp
4.0 (25)
Google
3.6 (7)

Why choose this provider?

Deryk Inn is a State Farm Insurance agent serving San Diego. He offers a wide range of personal and commercial insurance products, including life insurance. His team focuses on term, whole, and universal life plans. He also handles policy modifications and beneficiary change requests. Other insurance products handled by his group include health, disability, home and property, auto, liability, and small business plans. Inn has been with State Farm Insurance for over 12 years. He can serve Spanish-speaking communities.

  • Life Insurance

3525 Del Mar Heights Road, San Diego, CA 92130
WebsiteLicense: 0H16033

Expertise.com Rating

Review Sources

Google
4.0 (29)
Yelp
5.0 (3)

Why choose this provider?

Abrams Insurance Solutions is a financial services company that serves the insurance needs of clients in San Diego and nearby localities. The locally owned and locally operated business helps individuals and families secure financial support after losing their loved ones through a life insurance policy. Its independent insurance agents represent over 70 carriers that deliver a variety of coverage options. These include term life, no-exam life, indexed universal, final expense, whole life, and hybrid life insurance. The company has been operating since 2009.

  • Life Insurance
  • Health Insurance

2333 Camino Del Rio South, Suite 200, San Diego, CA 92108
WebsiteLicense: 0501471

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

JS Downey Insurance Service is an agency that serves individuals, families, and businesses in San Diego. It offers term and whole life insurance policies that provide financial protection to beneficiaries in the event of unexpected deaths. The agency partners with several insurance carriers, which allows its brokers and their clients to compare and select policies based on their needs and budgets. Founder James Stephen Downey has more than 40 years of experience as an independent business owner and an insurance professional.

  • Life Insurance
  • Health Insurance

3033 5th Avenue Suite 325, San Diego, CA 92103
WebsiteLicense: 0B91431

Expertise.com Rating

Review Sources

Google
5.0 (32)
Facebook
5.0 (25)
Yelp
1.0 (1)

Why choose this provider?

JPL Insurance Services is an independent agency that operates in and around the San Diego metro. It offers life insurance and guides aspiring policyholders in finding the right option that has the optimum coverage for their lifestyle. It also provides other lines of personal insurance, such as homeowners' and auto, and business insurance that covers workers' compensation, contractors, and general business packages. JPL Insurance Services was established in 1933 and has since provided financial protection for hundreds of individuals, families, and businesses.

  • Life Insurance
  • Individual Plans

3525 Del Mar Heights Rd. Ste 754, San Diego, CA 92130
WebsiteLicense: 0F47933

Expertise.com Rating

Review Sources

Yelp
4.9 (33)
Google
5.0 (11)
Facebook
5.0 (11)

Why choose this provider?

Kazerouni Insurance Services is an insurance company that works with individuals, families, and businesses around San Diego. As an independent agency, it helps clients identify the coverage that best suits their needs from an array of carriers. Its products include life insurance policies such as term and whole life options. Health and long-term insurance policies are also offered, along with insurance for pets, cars, condos, and workers' compensation. Kazerouni Insurance Services employs agents that can serve clients in Arizona, Texas, New York, Illinois, and Florida.

  • Life Insurance
  • Health Insurance

225 Broadway, San Diego, CA 92101

Expertise.com Rating

Review Sources

Google
4.7 (245)
Yelp
4.0 (9)

Why choose this provider?

My Senior Health Plan specializes in Medicare policies throughout the U.S. It's also an independent life insurance company in San Diego, staffed by agents able to give unbiased advice on a wide range of products catering to every form of risk management, such as paying off mortgages and leaving financial legacies to loved ones. The agents can also advise clients on the most appropriate long-term care and final expenses plans.

4619 Convoy St Ste C, San Diego, CA 92111
WebsiteLicense: 0B53979

Expertise.com Rating

Review Sources

Google
4.7 (47)
Yelp
4.5 (9)
Facebook
5.0 (1)

Why choose this provider?

Established in 1980, Stanley Wong Insurance Agency is a locally operated firm that serves San Diego. It represents various carriers and helps clients choose the life insurance policy that match their needs such as term, universal, and whole. Its other personal lines of insurance include health, property, and vehicle. It also offers commercial auto, property, and umbrella, general liability, surety bonds, and workers’ compensation to provide businesses with financial protection. Founding partner Stanley previously worked as a commercial insurance underwriter.

  • Life Insurance

11622 El Camino Real, San Diego, CA 92130
WebsiteLicense: 0E20453

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (4)

Why choose this provider?

Rancho Del Sur Insurance Services, Inc., is a multi-line independent agency that serves individuals in the San Diego metro. It offers life coverage programs, including whole, term, universal, indexed, and survivorship insurance. The company also provides health insurance products for individuals and groups and for dental, vision, and disabilities. It reviews available carriers and packages and assists clients in finding the ones suitable for their needs. Rancho Del Sur Insurance Services principal Scott Benjamin has been in the industry since 1990.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Home Wealth Financial & Insurance Services
270 E Douglas Ave, El Cajon, CA 92020
My Benefits Coach International LLC
600 W Broadway, San Diego, CA 92101
B.H. Gold Insurance Agency
9699 Tierra Grande St., Suite 100, San Diego, CA 92126
Richard Parker
5106 Federal Blvd Ste 105, San Diego, CA 92105
Haisha Insurance Services, Inc.
3691 Via Mercado Ste 13, La Mesa, CA 91941
Dorian Brewer
2313 El Cajon Blvd, San Diego, CA 92104
AMG Life Solutions
1420 Kettner Boulevard Suite #100, San Diego, CA 92101
Ives Insurance Services, Inc.
2850 Womble Rd Suite 103, San Diego, CA 92106
Readylane Insurance Svcs
1761 Hotel Circle S Suite 320, San Diego, CA 92108
The Doctors Insurance Broker
7183 Navajo Rd Ste M, San Diego, CA 92119
Insurance Experts Solutions
302 Washington Street, Suite 156, San Diego, CA 92103
Deryk Inn
3633 Camino Del Rio South Suite 100, San Diego, CA 92108
Abrams Insurance Solutions
3525 Del Mar Heights Road, San Diego, CA 92130
JS Downey Insurance Service
2333 Camino Del Rio South, Suite 200, San Diego, CA 92108
JPL Insurance Services
3033 5th Avenue Suite 325, San Diego, CA 92103
Kazerouni Insurance Services
3525 Del Mar Heights Rd. Ste 754, San Diego, CA 92130
My Senior Health Plan
225 Broadway, San Diego, CA 92101
Stanley Wong Insurance Agency
4619 Convoy St Ste C, San Diego, CA 92111
Rancho Del Sur Insurance Services, Inc.
11622 El Camino Real, San Diego, CA 92130

FAQs

  • How is a life insurance policy in San Diego useful as an estate planning tool?

    The proceeds of a life insurance policy can be used for estate planning in San Diego because the insured's heirs can be named as beneficiaries and the transfer of funds after death is immediate and does not require probate. This also allows for the accumulation of funds even if no tangible assets are present.

  • How does age affect the price of a life insurance policy in San Diego?

    When it comes to purchasing a life insurance policy in San Diego, the younger you are, the cheaper the plan. The chances of a young person dying are low, and the likelihood of having to make a payout is low. This is in contrast to older people, who are more likely to die with each passing day.

  • How do traditional whole life insurance policies in San Diego keep their premium payments stable as a person ages?

    Traditional San Diego whole life insurance policies can keep premium payments stable as the insured ages by requiring higher-than-usual premiums when the insured is young. The excess premiums collected will be used to subsidize those due as the individual ages, keeping rates relatively low later in life while initially slightly high.

  • Should an individual in San Diego stick to a single life insurance plan for life?

    When a person's life changes in a big way, it may be a good idea for them to update or upgrade their life insurance plan in San Diego. When someone gets married or has children, it is a good idea to add beneficiaries for estate planning or to increase general coverage.

  • What kind of life insurance product is ideal in San Diego for those who are cash-strapped?

    People in San Diego who do not have a lot of money may choose a term-life insurance plan because the premiums are cheaper and it only covers a certain amount of time. If the insured wants to upgrade later in life, the term-life contract can be changed into a whole-life contract.

  • 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 ...