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2024

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Best Life Insurance Companies in Torrance, 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 Torrance 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.

6587Reviewed

3957Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

21515 Hawthorne Boulevard, Torrance, CA 90503
WebsiteLicense: 0E94802

Expertise.com Rating

Review Sources

Google
4.0 (6)

Why choose this provider?

Delington Financial & Insurance Services is a full-service independent brokerage firm that specializes in helping individuals, families, and businesses owners in the Torrance and surrounding areas. This firm helps those they serve financially protect their loved ones and employees from potential financial risk by offering properly structured Term, Whole Life, and Indexed Universal life insurance policies. Additionally, its product line includes dental, health, indemnity, long-term care, employer-employee benefits, and Medicare Supplement insurance plans. Delington Financial & Insurance Services utilizes an efficient no-cost no obligation consultation along with an effective educational approach, which allows for making a well-informed decision.

  • Life Insurance

1730 East Holly Avenue, El Segundo, CA 90245

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Strandlife Financial Group provides a range of insurance and financial products to clients in the Torrance area. It provides custom-tailored life, dental, vision, and long-term care insurance as well as different types of retirement plans. Life insurance options are term, whole, and term and whole combined. It also offers workers' compensation, commercial auto, and general business liability insurance. A range of private financial services are also offered, including wealth management, risk management, and financial and estate planning.

  • Life Insurance
  • Health Insurance

1451 Artesia Boulevard, Gardena, CA 90248
WebsiteLicense: 0C46036

Expertise.com Rating

Review Sources

Yelp
4.0 (26)
Facebook
5.0 (24)
Google
4.0 (6)

Why choose this provider?

AHTKY Insurance Agency is an independent insurance agency that provides insurance solutions to businesses and individuals in Torrance and throughout the state. Since 1947, the agency has been offering a portfolio of personal, commercial, health insurance, and life insurance through some leading carriers it represents. The options available for life insurance include term life, whole life, universal life, and long-term care. Group life insurance is also available for employers as part of their employee benefits programs.

  • Life Insurance

2259 Torrance Boulevard, Torrance, CA 90501
WebsiteLicense: 0H63869

Expertise.com Rating

Review Sources

Yelp
5.0 (67)
Google
4.0 (21)
Facebook
5.0 (9)

Why choose this provider?

James Chen is a State Farm insurance agent servicing the Torrance community. He assists individuals in determining the type of life insurance they need from the term, whole, and universal coverage options available. The policies are also available for small businesses which can be utilized for different purposes such as business continuation, employee benefits, and key employee incentives. Chen also offers home, auto, and insurance. Services are available in English, Spanish, and Chinese.

  • Life Insurance
  • Health Insurance

3969 Pacific Coast Highway, Torrance, CA 90505
WebsiteLicense: 0B07897

Expertise.com Rating

Review Sources

Google
4.0 (13)
Yelp
5.0 (11)

Why choose this provider?

Chris Gordon is an insurance agent who has been working for State Farm for 39 years. He is a member of PIFPAC, and he provides his services to clients in Torrance and the surrounding areas. He offers a variety of products, including life insurance. Life insurance provides coverage for mortgage payments, paying off debts, or even pay for college. Clients may choose from different policies such as whole life, term life, or universal life depending on their needs.

  • Life Insurance
  • Health Insurance

1601 Pacific Coast Highway, Hermosa Beach, CA 90254
WebsiteLicense: 0I80929

Expertise.com Rating

Review Sources

Google
4.0 (11)
Yelp
5.0 (9)
Facebook
5.0 (7)

Why choose this provider?

eZEP Financial & Insurance Services, Inc. is an independent insurance agency serving Torrance residents for more than 25 years. It helps clients obtain term life insurance and permanent life insurance. It also handles living benefits life insurance, return of premium life insurance, and final expenses life insurance. Additionally, it assists clients with retirement savings plans. eZEP Financial & Insurance Services, Inc. works with insurance companies such as Great American Insurance Group, Pacific Life, and Transamerica.

  • Life Insurance

15901 Hawthorne Boulevard, Lawndale, CA 90260
WebsiteLicense: 0B33742

Expertise.com Rating

Why choose this provider?

John Huttinger serves as the president of Pacific United Insurance Agency, a company with over 90 years of industry experience. He leads a team of personal and commercial insurance specialists and helps Torrance residents and businesses mitigate financial risks. The team offers term and permanent life insurance options, which can cover tuition or mortgage payments or provide equity build-ups. An electrical engineering graduate, John became a Certified Insurance Counselor in 2001 and a Certified Risk Manager in 2006.

  • Life Insurance

1822 East Carson Street, Long Beach, CA 90745
WebsiteLicense: 0D33115

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
5.0 (17)
Yelp
5.0 (12)

Why choose this provider?

Sheldon Stokes is an insurance agent at State Farm who has been serving Torrance and the surrounding areas since 2011. Bringing over 20 years of experience, he specializes in life insurance and offers term life insurance, whole life insurance, and universal life insurance for individuals. He also caters to the insurance needs of small businesses by providing business continuation, key person, and employee benefits. Sheldon's staff is bilingual, able to serve English and Spanish-speaking clients.

  • Life Insurance

Attorney Information

Attorney NameBar StatusExperience
Sheldon Stokes - Insurance AgentActive11 yrs

13019 Park Place, Hawthorne, CA 90250
WebsiteLicense: 0D79655

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Serving Torrance, Boyer Insurance Services provides a range of insurance and financial products to clients in the metro. It offers life insurance services such as term life insurance and whole or universal life insurance. The company also has other insurance options like long-term care insurance, health insurance, disability insurance, dental insurance, vision insurance, and travel insurance. Also available are annuity products. Boyer Insurance Services caters to both individuals and groups. The business was established in 1969.

  • Life Insurance
  • Health Insurance

3480 Torrance Boulevard, Torrance, CA 90503
WebsiteLicense: 0735912

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Arroyo Insurance Services is an independent insurance agency that provides insurance services to residents and businesses in Torrance and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like term life insurance, permanent life insurance, corporate life insurance, and key staff life insurance. Moreover, it works with industries like manufacturing & wholesale distribution, auto dealers & service, real estate & hospitality, and transportation. Casey Dodge serves as the company president.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

6148 South Pacific Coast Highway, Redondo Beach, CA 90277
WebsiteLicense: 0D50836

Expertise.com Rating

Review Sources

Yelp
5.0 (70)
Google
4.0 (7)
Facebook
5.0 (1)

Why choose this provider?

Shop4healthplans is an independent insurance agency that provides insurance services to residents and businesses of Torrance and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life and health insurance plans like health sharing plans, life insurance plans, A.C.A health plans, group health plans, short-term health plans, and Medicare supplements. Additionally, it provides additional insurance packages like long-term care insurance. It has assisted individuals, families, independents, self-employed, and small businesses since 2000.

  • Health Insurance

39506 West Daisy Mountain Drive, Torrance, CA 85086
WebsiteLicense: 0I98749

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Facebook
5.0 (3)
Google
5.0 (2)

Why choose this provider?

Zenker Insurance Agency, LLC is an independent and family-owned insurance company that caters to residential and commercial clients in Torrance and the surrounding cities. It offers a comprehensive range of insurance products and services, such as life, auto, home, and business insurance coverage. The company is managed by a team of insurance agents with an open network of established insurance companies such as Progressive, Foremost, and Liberty Mutual. Zenker Insurance Agency has been in business for over 29 years.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Delington Financial & Insurance Services
21515 Hawthorne Boulevard, Torrance, CA 90503
Strandlife Financial Group
1730 East Holly Avenue, El Segundo, CA 90245
AHTKY Insurance Agency
1451 Artesia Boulevard, Gardena, CA 90248
James Chen
2259 Torrance Boulevard, Torrance, CA 90501
Chris Gordon
3969 Pacific Coast Highway, Torrance, CA 90505
eZEP Financial & Insurance Services, Inc.
1601 Pacific Coast Highway, Hermosa Beach, CA 90254
John Huttinger
15901 Hawthorne Boulevard, Lawndale, CA 90260
Sheldon Stokes
1822 East Carson Street, Long Beach, CA 90745
Boyer Insurance Services
13019 Park Place, Hawthorne, CA 90250
Arroyo Insurance Services
3480 Torrance Boulevard, Torrance, CA 90503
Shop4healthplans
6148 South Pacific Coast Highway, Redondo Beach, CA 90277
Zenker Insurance Agency, LLC
39506 West Daisy Mountain Drive, Torrance, CA 85086

FAQs

  • Can you finish your life insurance application's medical examination via telemedicine in Torrance?

    Yes, you can use telemedicine to complete the medical examination required as part of your Torrance life insurance application. Telemedicine is the use of electronic information and communication technology to deliver and assist medical care when participants are geographically separated. Alternatively, if you are unable or unwilling to travel for the medical examination, your potential life insurance company may send a medical expert to your home upon request.

  • What should you do if Torrance life insurance companies reject your application because of mental health problems?

    If your application for life insurance in Torrance is denied due to mental illness, you may: 

    • Consider purchasing guaranteed issue life insurance, which typically does not require a physical or a lot of personal information about your health.
    • Look for insurance coverage from a different insurance company that may have more flexible underwriting standards for mental health disorders.
    • Improve your mental health by seeking help and keeping things stable.
  • If your family has a history of high cholesterol, can you still receive life insurance in Torrance?

    Yes, you can buy life insurance in Torrance even if you have a family history of high cholesterol. Insurance companies consider your family history, but it is not the only factor they consider when deciding whether to accept or reject your application. In order to determine the terms and availability of a life insurance policy, insurers will consider your personal health, cholesterol levels, and other relevant data.

  • For the purposes of life insurance in Torrance, what is considered a chronic condition?

    In the context of insurance in Torrance, a chronic illness is typically defined as a persistent ailment that prevents you from performing at least two of the six essential daily activities: eating, using the restroom, maintaining personal hygiene, clothing, walking, and continence. If your life insurance policy includes a chronic disease rider, you must normally be unable to perform two daily activities in order for the rider to be activated.

  • What elements impact your eligibility for waiver of premium disability rider in Torrance?

    Your age, occupation, hobbies, general health, and current medical conditions all have an impact on your eligibility for Torrance's premium waiver disability rider. These factors may also have an impact on the price you must pay for the rider. Most insurance companies will not provide this rider to anyone over the age of 65, or to anyone under the age of 35 who engages in high-risk occupations or hobbies.

  • 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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