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2024

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Best Life Insurance Companies in Temecula, CA

Our Recommended Top 20

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Our goal is to connect people with the best local professionals. We scored Temecula 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.

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

25185 Madison Avenue, Murrieta, CA 92562
WebsiteLicense: 0I35314

Expertise.com Rating

Review Sources

Google
5.0 (9)
Yelp
5.0 (7)
Facebook
5.0 (2)

Why choose this provider?

Friendly Guy Insurance is an agency that serves clients in Temecula. It offers various types of life insurance policies, such as term, whole, universal, and variable universal life insurance, from several providers like American National, Mutual of Omaha, and Progressive. Clients can also avail themselves of other types of insurance products for vehicles, properties, and boats. In addition, Friendly Guy Insurance is committed to serving the insurance needs of the handicapped by enhancing its compliance with online content accessibility guidelines.

  • Life Insurance
  • Health Insurance

31205 Pauba Road, Temecula, CA 92592
WebsiteLicense: 0G47761

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Yelp
4.0 (17)
Google
4.0 (16)

Why choose this provider?

Jerrod Novodoczky is a second-generation State Farm agent who has provided life insurance policies to clients in the Temecula community since 2010. He offers term life, whole life, and universal life insurance policies. He can also help clients with any policy and beneficiary changes to their current life insurance. In addition, Jerrod can also provide home, car, small business, health, and disability insurance. He also serves as a member of the Temecula Rotary and the Murrieta and Temecula Chamber of Commerce.

  • Life Insurance

27713 Jefferson Avenue, Temecula, CA 92590
WebsiteLicense: 0249077

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

S Sanders Company Insurance is an independent agency that offers life insurance policies to individuals, families, and business owners in and around Temecula. It also covers other types of personal insurance plans that cover recreational vehicles, watercraft, motorcycles, commercial properties, and rental properties. In addition, the agency carriers provide individual and group health insurance options, including dental and short-term health insurance as well as Medicare Supplement plans. It has partnered with several carriers such as Blue Shield, Mercury Insurance Group, and Safeco Insurance.

  • Life Insurance
  • Health Insurance
  • Individual Plans

43015 Black Deer Loop, Temecula, CA 92590
WebsiteLicense: 0I67771

Expertise.com Rating

Review Sources

Google
5.0 (305)
Facebook
5.0 (14)
Yelp
5.0 (12)

Why choose this provider?

Old Harbor Insurance Services is an independent insurance agency that serves the residents of Temecula and the rest of the entire state of California. It offers term life insurance, whole life insurance, and universal life insurance, as well as disability insurance, long-term care insurance, and group life insurance. Old Harbor Insurance Services works with insurance companies such as AmTrust North America Inc., Berkshire Hathaway GUARD Insurance Companies, The Hanover Insurance Group, Inc., and CSE Insurance Group. It promises transparency in its operations and humility and respect in dealing with all of its clients.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

29377 Rancho California Road, Temecula, CA 92591
WebsiteLicense: 0B20999

Expertise.com Rating

Review Sources

Google
5.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Kathy Jurgensen is a State Farm insurance agent that provides insurance services to individuals, families, and businesses of Temecula and San Diego County. She carries life insurance options such as universal life insurance, whole life insurance, term life insurance, change policy, and change beneficiary. Additionally, her team provides business insurance that includes workers' compensation, business owner's policy, surety and fidelity bonds, contractors' policy, commercial auto insurance, and liability umbrella. Also available are jet-ski insurance and ATV insurance.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

24710 Washington Avenue, Murrieta, CA 92562
WebsiteLicense: 0I48797

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
4.8 (27)

Why choose this provider?

Lizarraga Insurance Agency, Inc. is an independent agency that provides life insurance plans for clients in Temecula and neighboring counties. It can examine the policy rates and premiums of nearly 70 different carriers, including Allstate and Progressive. The agency can process applications for both term life and whole life policies. It can also update existing policies to reflect real-life changes, such as newborns or changed addresses. The agency also provides group life policies for businesses and national associations.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

41197 Golden Gate Circle, Murrieta, CA 92562
WebsiteLicense: 0H79335

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
4.7 (15)
Yelp
5.0 (1)

Why choose this provider?

California-based Advantage America is a locally-owned and operated independent agency providing life insurance in Temecula and surrounding areas. The clients can choose from the following comprehensive coverages: term life, permanent life, whole life, and universal life insurance plans. Other services the company offers include home, auto, renters', general liability, and workers' compensation insurance. The agents can assist clients in finding the best coverage options based on their needs from different insurance carriers the company represents.

  • Life Insurance

40675 California Oaks Road, Murrieta, CA 92562
WebsiteLicense: 0M93299

Expertise.com Rating

Review Sources

Google
5.0 (13)
Yelp
5.0 (3)
Facebook
4.4 (1)

Why choose this provider?

Access West Insurance Services is a provider of life insurance policies to individuals and families living in Temecula. This independent insurance agency offers two types of life policies, namely term life as well as whole life or universal life insurance. Its staff is knowledgeable about various types of insurance products and can help clients find the right policy for their needs. Access West Insurance Services also offers a variety of other personal and business insurance solutions, including home, auto, workers' compensation, and liquor liability insurance.

  • Life Insurance

28360 Old Town Front Street, Temecula, CA 92590
WebsiteLicense: 0M83046

Expertise.com Rating

Review Sources

Google
5.0 (39)
Facebook
5.0 (36)
Yelp
5.0 (10)

Why choose this provider?

Echo Financial & Insurance Services is a local insurance company that offers business and personal insurance products in Temecula and the surrounding areas. Its list of insurance offerings includes life, business, contractors, and restaurant insurance. The company also provides quotes for beauty and bodywork and classic cars. Echo Financial & Insurance Services has partnerships with top insurance providers such as Liberty Mutual Insurance, Progressive, and Safeco Insurance. It also partners with Thimble that covers 120 plus professions.

  • Life Insurance

1 Ridgegate, Temecula, CA 92590
WebsiteLicense: 0G59235

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Danmar Insurance Services is an agency that has been operating in Temecula for more than 30 years. It offers life insurance coverage options to help individuals secure the futures of their families. Its team of independent agents also specializes in insurance products for earthquake, auto, home, and commercial insurance needs. The agency partners with more than 40 insurance carriers to present tailored solutions to clients depending on their needs and financial goals. One of its professionals, Brian Maronde, has seven years of industry experience.

  • Life Insurance

504 East Alvarado Street #203, Fallbrook, CA 92028
WebsiteLicense: 0587122

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Cal Coast Insurance Agency is an independent and locally operated insurance agency that provides insurance services to residents and businesses in Temecula and surrounding communities. It offers a combination of tailored and personalized insurance coverages. It carries life insurance plans that include universal life insurance, term life insurance, and whole life insurance options. Additionally, it provides business insurance packages like general liability, commercial property, and business auto insurance. The family-operated business has served communities for more than 30 years.

  • Life Insurance

28765 Single Oak Drive, Temecula, CA 92590
WebsiteLicense: 0K07551

Expertise.com Rating

Review Sources

Google
5.0 (13)

Why choose this provider?

Wolfgang Financial and Insurance Agency assists individuals and business owners in Temecula through asset protection services. It is equipped with the tools to help clients make informed insurance decisions. The financial professionals at the company offer term and permanent life insurance options. Guided by a clients-first approach, they offer assistance with long-term care insurance, Medicare plans, annuities, Social Security planning, and wealth management. It also works with Allianz, Great American Insurance Group, MetLife, and Protective Life Insurance Company.

  • Life Insurance

24910 Las Brisas Road, Murrieta, CA 92562
WebsiteLicense: 0D06577

Expertise.com Rating

Review Sources

Google
5.0 (277)
Facebook
5.0 (40)
Yelp
5.0 (26)

Why choose this provider?

Established in 1977, Stromsoe Insurance Agency is a family-owned and operated agency that caters to customers in Temecula. It provides life insurance policies for clients of all ages and backgrounds, such as family heads and business owners. The agency can customize plans to act as death benefits, funeral tax payments, or secondary savings accounts. It can also process claims and provide clients with insurance IDs and certificates. The agency's motto is "People Come First", which helped them win the 2016 Tiny Pulse Happiness Award.

  • Life Insurance

27570 Commerce Center Drive, Temecula, CA 92590
WebsiteLicense: 0G13552

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
4.0 (3)

Why choose this provider?

Friant Insurance is an independent agency serving clients in the Temecula area. It guides individual and commercial clients in choosing insurance plans to protect life, employees, and properties. Its life insurance options include term and whole. The company has coverage solutions for automobiles, recreational vehicles, watercraft, homes, condos, and rental properties. Additionally, homeowners can avail themselves of flood insurance to protect their properties from floodwater damages. Friant Insurance represents multiple insurance carriers, including Allied, MetLife, NatGen Premier, and Century-National.

  • Life Insurance

41923 2nd Street, Temecula, CA 92590
WebsiteLicense: 0C04828

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
3.0 (2)

Why choose this provider?

Temecula Insurance Services is an independent insurance agency that serves clients in Temecula. It offers term, whole, and universal life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. The agency has also partnered with several insurance carriers, including AARP Auto, AMTrust, and CNA, to provide insurance coverage for cars, homeowners, renters, commercial properties, and businesses. Temecula Insurance Services has more than 35 years of experience in the insurance industry.

  • Life Insurance
  • Health Insurance

43180 Business Park Drive, Temecula, CA 92590
WebsiteLicense: 0B89363

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Established in 1986, News Financial & Insurance Services is an insurance company serving clients in Temecula. The business offers products meant to help the clients' current situation and financial future. Such products include life, long-term care, dental, vision, and disability insurance. Its founder, Scott Chon, is a Registered Financial Consultant specializing in financial strategies and wealth-building management. He is also licensed in health benefits and casualty insurance. Moreover, the business is a member of the International Association of Registered Financial Consultants.

  • Life Insurance

1 Ridgegate, Temecula, CA 92590
WebsiteLicense: 0J19931

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (7)

Why choose this provider?

Erin Furlong is an insurance agent serving clients in Temecula and the rest of the Inland Empire area. With over a decade’s worth of experience, she assists in securing insurance policies such as term and permanent life plans, homeowners’ insurance, and general liability. Other products include policies for automobiles, motorcycles, trailers, and RVs. She also provides commercial insurance, including workers’ compensation and commercial umbrella. Erin is a partner at Adobe Insurance Brokers, an agency that has been in the industry for over 40 years.

  • Life Insurance

27393 Ynez Road, Temecula, CA 92591
WebsiteLicense: 6002012

Expertise.com Rating

Review Sources

Google
4.9 (133)
Yelp
5.0 (2)

Why choose this provider?

Heiland Insurance Agency is the source for financial protection and solutions with 32 years of experience. They help clients understand the coverage options for the wisest choices in life, home, earthquake, commercial, and auto insurance. Experienced agents shop multiple companies for the best combination, price, and coverage narrowed down at the lowest rate to safeguard and secure clients’ assets with the highest quality insurance services available in Temecula. They value lasting relationships with every client for many years to come.

  • Life Insurance
  • Health Insurance

41593 Winchester Road, Temecula, CA 92590
WebsiteLicense: 0H25584

Expertise.com Rating

Review Sources

Google
5.0 (20)
Yelp
4.0 (8)

Why choose this provider?

Vince Herrera is an insurance agent working with Summit Partners Insurance Services. He caters to individuals, families, and businesses in Temecula and the surrounding communities. He is focused on helping clients give financial protection for their families by offering life insurance plans. Additionally, he provides classic car, commercial, home, pet, and renters' insurance products. Vince has over 25 years of experience in finance. He works alongside his wife, Claudia, and a team of insurance agents.

  • Life Insurance

28581 Old Town Front Street, Temecula, CA 92590

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Karazin Agency LLC is an insurance company serving clients in Temecula and the surrounding areas. It has been in business for over 15 years and strives to provide customized policies to its clients through its partnerships with more than 30 insurance carriers, which include Mercury, Progressive, and Nationwide. Products offered by the company include life and umbrella insurance, as well as automobile, motorcycle, and boat insurance. Home, renters', condo, and mobile home insurance are also available.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Friendly Guy Insurance
25185 Madison Avenue, Murrieta, CA 92562
Jerrod Novodoczky
31205 Pauba Road, Temecula, CA 92592
S Sanders Company Insurance
27713 Jefferson Avenue, Temecula, CA 92590
Old Harbor Insurance Services
43015 Black Deer Loop, Temecula, CA 92590
Kathy Jurgensen
29377 Rancho California Road, Temecula, CA 92591
Lizarraga Insurance Agency Inc
24710 Washington Avenue, Murrieta, CA 92562
Advantage America
41197 Golden Gate Circle, Murrieta, CA 92562
Access West Insurance Services
40675 California Oaks Road, Murrieta, CA 92562
Echo Financial & Insurance Services
28360 Old Town Front Street, Temecula, CA 92590
Danmar Insurance Services
1 Ridgegate, Temecula, CA 92590
Cal Coast Insurance Agency
504 East Alvarado Street #203, Fallbrook, CA 92028
Wolfgang Financial and Insurance Agency
28765 Single Oak Drive, Temecula, CA 92590
Stromsoe Insurance Agency
24910 Las Brisas Road, Murrieta, CA 92562
Friant Insurance
27570 Commerce Center Drive, Temecula, CA 92590
Temecula Insurance Services
41923 2nd Street, Temecula, CA 92590
News Financial & Insurance Services
43180 Business Park Drive, Temecula, CA 92590
Erin Furlong
1 Ridgegate, Temecula, CA 92590
Heiland Insurance Agency
27393 Ynez Road, Temecula, CA 92591
Vince Herrera
41593 Winchester Road, Temecula, CA 92590
Karazin Agency LLC
28581 Old Town Front Street, Temecula, CA 92590

FAQs

  • How can a life insurance policy in Temecula be used as an estate planning tool?

    A life insurance policy in Temecula may be used as an estate planning tool because the proceeds of the life plan are usable as a probate avoidance mechanism. They are not part of the decedent's estate and can be passed upon death to the heirs without fuss and without need for courtroom intervention.

  • Why do insurance agents in Temecula recommend getting life insurance when one is young?

    Insurance agents in Temecula advise their customers to be insured early because the premiums for life plans become pricier the older one gets. Youths are less likely to die untimely deaths and insurers face lower risks of having to release the contract's benefits before making back the amount through premiums.

  • How is health insurance different from life insurance in Temecula?

    In Temecula, health insurance is principally concerned with risks concerning medical conditions and treatments, and the beneficiary receives payouts when there is a need to undergo a covered medical treatment or remedy. Life insurance is contingent upon the risk of death, and beneficiaries receive money if someone they depend on passes away.

  • What is the biggest disadvantage of choosing a term life insurance plan in Temecula over a whole life option?

    A term life insurance plan in Temecula may be cheaper than a whole life option, but it is limited in scope. The insured is only covered against the risk of death for a limited period usually ranging from a decade to three. The insurer will pay nothing if the insured is healthy enough to outlive the contract.

  • In Temecula, how do insurers determine the eligibility of an individual for life insurance?

    In Temecula, insurers determine the eligibility of an individual for life insurance by examining the individual's application. The medical history of the applicant will be examined by underwriters. Tests may be demanded to see how likely the person is to die an untimely death. Insurers will generally avoid insuring people who will likely die soon.

  • 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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