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2025

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Best Life Insurance Companies in Santa Ana, CA

Our Recommended Top 19

We did the research for you!

  • Licensing
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Our goal is to connect people with the best local professionals. We scored Santa Ana 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.

15037Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Santa Ana
4160 Temescal Canyon Road # 102, Corona, CA 92883

Expertise.com Rating

Why choose this provider?

Team Financial Partners is an insurance and financial services firm serving clients in Santa Ana. It offers a wide array of services, including life, disability, and long-term care insurance, in addition to retirement, financial, and business planning. Its life insurance options include term and permanent life coverage. These policies provide monetary support to the decedent's families, which covers mortgage payments, educational needs, debts, and loss of income. The company offers various types of permanent life insurance, including variable universal, whole, and survivorship.

  • Life Insurance

Best Life Insurance Companies Serving Santa Ana
13841 Hewes Ave, Santa Ana, CA 92705

Why choose this provider?

John Shafer Insurance Services is a life insurance agency in Santa Ana. This independent agency offers insurance policies to individuals and businesses. Its policies provide protection to clients needing to cover financial liabilities that may affect dependents following their passings. Assistance is also available for policies that cover long-term health care needs as well as permanent disability. In addition to its life insurance work, John Shafer Insurance Services offers a large selection of business insurance services.

Best Life Insurance Companies Serving Santa Ana
1417 South Broadway, Santa Ana, CA 92707
Visit WebsiteLicense: 0F33249

Expertise.com Rating

Review Sources

Google
4.0 (18)
Facebook
5.0 (12)
Yelp
4.0 (9)

Why choose this provider?

Sariah Devereaux-Barrientos is an insurance agent that provides financial solutions to her clients in Santa Ana and surrounding areas. Life insurance is among the products Devereaux-Barrientos provides for protecting individuals, families, and businesses. Other areas of specialization include auto and pet insurance, banking, mutual funds, and annuities. Since 2005, she has been a licensed representative of State Farm. This insurance agency is recognized by J.D. Power as the Highest in Customer Satisfaction among Life Insurance Providers and #1 for Product Offerings.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Santa Ana
750 W 1st St, Tustin, CA 92780

Expertise.com Rating

Review Sources

Google
4.3 (10)

Why choose this provider?

Tustin Redhill Insurance Agency Inc. is a health insurance company near Santa Ana that also offers life insurance. This full-service independent agency assists clients as they procure coverage for medical needs including hospital stays, surgeries, and prescription medicines, while finding plans and policies that offer the right amount of coverage within their budgets. Its life insurance policies protect dependents from financial liabilities following the deaths of policy holders, which typically include outstanding debts, mortgages, and lost streams of income.

Best Life Insurance Companies Serving Santa Ana
1077 W 17th Street Suite B, Santa Ana, CA 92706
Visit WebsiteLicense: 0M09443

Expertise.com Rating

Review Sources

Yelp
4.3 (11)

Why choose this provider?

David Reyes is a State Farm insurance agent assisting people in securing life insurance in Santa Ana. He provides insurance plans for policyholders who are seeking to safeguard their health, homes, businesses, and properties, including dirt bikes, automobiles, and jet skis, in case of unexpected loss and damages. David has been serving individuals and business owners in insurance policy matters since 1987. A bilingual agent, he is fluent in both Spanish and English.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Santa Ana
17332 Irvine Blvd Ste 295, Tustin, CA 92780

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

Moji Insurance is an independent agency in business since 2002. It sells health and life insurance policies to individuals and groups and also offers annuity plans. It allows clients to purchase policies directly from insurance carriers or participate in Covered California programs. It's also experienced with Medicare programs. Moji Insurance offers both term and whole life insurance plans that give clients flexible options as they select policies that can pay for their final expenses and care for their dependents financially.

Best Life Insurance Companies Serving Santa Ana
1155 W Central Ave Ste 113, Santa Ana, CA 92707

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

listo! is a life insurance company in Santa Ana helping clients to purchase and manage policies that provide financial relief to their dependents in the unfortunate event of their death or disability. Clients receive in-depth consultation and assistance as they explore policy options and make decisions about coverage amounts of optional benefits. This agency also processes their claims when applicable circumstances occur. Additionally, listo! offers car insurance plans as well as personal loans.

Best Life Insurance Companies Serving Santa Ana
14841 Yorba St Ste 101, Tustin, CA 92780

Expertise.com Rating

Why choose this provider?

Ellis Advisory Group provides life insurance services to clients throughout the Santa Ana metro area. Its agents deliver hands-on consultation to clients interested in purchasing policies that cover outstanding debts and pay for expenses related to dependents that they leave behind. Coverage options are also available for scenarios where long-term care is needed, which typically involves extensive treatment costs, as well as disability coverage, which can eliminate one's ability to obtain income. Investment and financial planning services are available.

Best Life Insurance Companies Serving Santa Ana
17731 Irvine Blvd Ste 203, Tustin, CA 92780

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (1)

Why choose this provider?

Melissa Levin Insurance Services is an independent agency with extensive end-of-life planning experience that sells whole and term life insurance policies, as well as plans for long-term and disability coverage. Since this company regularly advises clients on retirement programs it's able to offer more in-depth advice than less focused agencies. Melissa Levin Insurance Services helps clients to select insurance plans that thoroughly cover their financial vulnerabilities and fulfil the needs of dependents if any exist.

Best Life Insurance Companies Serving Santa Ana
550 Parkcenter Dr Ste 100, Santa Ana, CA 92705

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

OC Benefit Advisors is a health insurance company in Santa Ana offering policy options for personal and business needs in addition to life insurance products. It helps clients shop for individual or group plans for standard health coverage along with dental or vision needs. This company is extensively experienced with many categories of health coverage and offers a very wide selection of employee benefits options. OC Benefit Advisors also assists with Medicare-related plans. Annuity plans are available too.

Best Life Insurance Companies Serving Santa Ana
1234 E 17th St, Santa Ana, CA 92701

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

M.E. Waiters Financial & Insurance is a life insurance agency in Santa Ana that sells health insurance too. Its experience with life insurance is standard for a company of its size, and its agents are trained to assist clients with all manner of inquiries as they shop for plans, including policies that cover for permanent or extended disability. This agency offers a robust selection of health coverage options beyond standard plans, such as coverage for dental, vision, long-term care, international medicine, and Medicare Advantage or Supplement Plan-related needs.

Best Life Insurance Companies Serving Santa Ana
13732 Newport Ave Ste 3, Tustin, CA 92780

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Ascher Insurance Services is an independent agency providing life and health insurance services to clients with diverse needs. Policies are available that provision for a variety of expenses related to dependents, but policies focused solely on final expenses and disabilities are available too. This agency does umbrella insurance policies for life insurance as well. Its heavy involvement in financial planning services influences its approach to life insurance services. Ascher Insurance Services offers several types of health insurance including general plans, critical illness insurance, and dental insurance.

Best Life Insurance Companies Serving Santa Ana
302 N. Tustin Avenue Suite 201, Santa Ana, CA 92705
Visit WebsiteLicense: 0L29729

Expertise.com Rating

Review Sources

Google
4.9 (358)
Facebook
5.0 (65)
Yelp
4.0 (10)

Why choose this provider?

Since 2011, the Health Connect Insurance Agency has been serving clients in the Santa Ana area. Its life insurance provides financial protection to beneficiaries upon the policyholder's death. They can receive payouts for funeral costs, outstanding debt, and future expenses like tuition. The company also provides Medicare for people who are at least 65 years old. This includes coverage for hospitalizations and medical treatments, along with supplements for prescription medication, vision, dental, gym membership, and transportation costs.

  • Life Insurance

Best Life Insurance Companies Serving Santa Ana
600 South Grand Avenue, Suite 101, Santa Ana, CA 92705
Visit WebsiteLicense: 0C38846

Expertise.com Rating

Review Sources

Google
4.9 (395)
Yelp
4.0 (8)

Why choose this provider?

Neighborhood Insurance Agency is a family-run business that serves individuals, families, and businesses in and around Santa Ana. The company provides various insurance solutions, including life, auto, homeowners, renters, and flood policies. Business products include professional liability, workers' compensation, and business owners' policy. With the aim to serve as the key to a client's peace of mind, its advisors help clients identify their needs and assist in making a well-informed decision on which insurance policy will work best for them.

  • Life Insurance

Best Life Insurance Companies Serving Santa Ana
14081 Yorba St Ste 233, Tustin, CA 92780

Expertise.com Rating

Why choose this provider?

Libertoski Insurance Group sells health and life insurance policies with a range of included benefit options. This agency offers a full assortment of health plans including plans by health maintenance organizations, preferred provider organizations, and high-deductible plans. Plans are also available for catastrophic injury events requiring extensive, and particularly costly, treatment periods. Libertoski Insurance Group sells both full-coverage life insurance plans and plans that only cover final expenses, as well as plans for incidents resulting in disability.

Best Life Insurance Companies Serving Santa Ana
17822 17th St Ste 202, Tustin, CA 92780

Expertise.com Rating

Review Sources

Yelp
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

Orange County Brokerage offers a robust variety of life insurance services as well as coverage options for scenarios involving critical illness and general disabilities along with circumstances requiring long-term care. Versed in term, whole, survivorship, and universal life insurance plans, its agents address any concerns that clients may have as they decide which plans best serve their interests. Orange County Brokerage also provides simplified issue life insurance plans. This agency is experienced with annuities too.

Best Life Insurance Companies Serving Santa Ana
2552 Walnut Ave Ste 140, Tustin, CA 92780

Expertise.com Rating

Why choose this provider?

KFiCO is an independent insurance agency offering solutions for both individual and group health and life insurance needs. Individual plans include general health coverage as well as Medicare programs, and this agency also offers travel and visitor insurance packages for those who may need medical care while abroad. Its life insurance plans include term, whole, and universal options, and coverage is available for disability too. KFiCO also helps clients with retirement and college funding programs as well as select investment systems.

Best Life Insurance Companies Serving Santa Ana
757 S Alameda St, Los Angeles, CA 90021
Visit WebsiteLicense: 0564249

Expertise.com Rating

Why choose this provider?

Since 1988, Heffernan Insurance Brokers Los Angeles has been offering various policies to clients in Santa Ana. Individuals who want to protect their loved ones financially can get life insurance. Upon the policyholder's death, it provides compensation for funeral costs, debts, and future expenses like college tuition. Businesses can also get coverage for vehicle fleets, workers' compensation claims, and professional liability suits. Company CEO F. Michael Heffernan III has been in the insurance business since he was 22 years old.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Santa Ana
550 N Parkcenter Dr #205, Santa Ana, CA 92705
Visit WebsiteLicense: 0I81006

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Empire Company, an independent insurance firm, has been serving individuals and their families in Santa Ana and the surrounding areas since 1911. Its agents offer life insurances, including death benefits that survivors can use to pay funeral expenses, repay debt, provide education, and pay estate taxes. It may also help clients pass the family business to their intended heir. The company shops for various health coverages to meet clients' needs, such as fee-for-service, HMO, and PPO plans.

  • Health Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Team Financial Partners
4160 Temescal Canyon Road # 102, Corona, CA 92883
John Shafer Insurance Services
13841 Hewes Ave, Santa Ana, CA 92705
Sariah Devereaux-Barrientos
1417 South Broadway, Santa Ana, CA 92707
Tustin Redhill Insurance Agency, Inc.
750 W 1st St, Tustin, CA 92780
David Reyes
1077 W 17th Street Suite B, Santa Ana, CA 92706
Moji Insurance
17332 Irvine Blvd Ste 295, Tustin, CA 92780
listo!
1155 W Central Ave Ste 113, Santa Ana, CA 92707
Ellis Advisory Group
14841 Yorba St Ste 101, Tustin, CA 92780
Melissa Levin Insurance Services
17731 Irvine Blvd Ste 203, Tustin, CA 92780
OC Benefit Advisors
550 Parkcenter Dr Ste 100, Santa Ana, CA 92705
M.E. Waiters Financial & Insurance Services
1234 E 17th St, Santa Ana, CA 92701
Ascher Insurance Services
13732 Newport Ave Ste 3, Tustin, CA 92780
Health Connect Insurance Agency
302 N. Tustin Avenue Suite 201, Santa Ana, CA 92705
Neighborhood Insurance Agency
600 South Grand Avenue, Suite 101, Santa Ana, CA 92705
Libertoski Insurance Group
14081 Yorba St Ste 233, Tustin, CA 92780
Orange County Brokerage
17822 17th St Ste 202, Tustin, CA 92780
KFiCO
2552 Walnut Ave Ste 140, Tustin, CA 92780
Heffernan Insurance Brokers Los Angeles
757 S Alameda St, Los Angeles, CA 90021
Empire Company
550 N Parkcenter Dr #205, Santa Ana, CA 92705

Santa Ana, CA Life Insurance FAQs

  • How can a resident of Santa Ana verify if an insurance company is licensed to operate in California?

    For those residing in Santa Ana and needing to check an insurance company's licensing status in California, reach out to the California Department of Insurance. Simply dial (800) 927-4357 or, if you're around Los Angeles, use (213) 897-8921. Additionally, the Department's online platform offers up-to-date listings of all insurers authorized within the state.

  • What should Santa Ana residents know about California's rules for insurance grace periods and termination notices if they have a policy issued there?

    In California, insurers must offer a 60-day grace period after an unpaid premium due date to Santa Ana policyholders. They're mandated to notify the holder about missed payments within 30 days and give a minimum 30-day heads-up before ending or lapsing a policy. This applies even if the company isn't California-based. Non-compliance, like prematurely terminating policies or not notifying, may render the lapse invalid. Consequently, post-policyholder death, payouts might remain obligatory.

  • How should Santa Ana residents determine the appropriate amount of life insurance coverage to purchase?

    Santa Ana residents must gauge life insurance coverage based on their age, obligations, and the desired lifestyle for dependents. Scrutinizing potential assets and sustained income post-death is crucial. Although not enough coverage can impede long-term objectives, the excess can strain them, too. Hence, an individualized evaluation ensures the balance is maintained, neither surpassing nor falling short of needs.

  • For a Santa Ana resident considering a loan from their permanent life insurance policy, are there tax implications or penalties?

    For Santa Ana locals, extracting funds from their permanent life insurance growth can trigger taxes. Withdrawing before 59 1/2, especially with a Modified Endowment Contract (MEC), might invite tax penalties. Such moves can also decrease the policy's cash value, and death benefit, and incur specified charges. Engaging with a tax specialist before taking such steps is advisable.

  • What should Santa Ana residents know about "Evidence of Insurability" when applying for life insurance?

    In Santa Ana, when seeking benefits like life insurance or long-term disability insurance, insurers might demand your health details, termed "evidence of insurability." This can entail sharing medical records or undergoing a physical. Specifically, if someone doesn't register for added life insurance within a month of starting a job or wishes to modify their coverage, they might need to undergo this process, possibly taking three months for a decision.

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