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Best Life Insurance Companies
2022

The Best Life Insurance Companies
Here Are The Top Life Insurance Companies
Tower Insurance Associates Culver City CA

Tower Insurance Associates Culver City CA

Tower Insurance Associates Inc. is a personal and commercial insurance agency in the Los Angeles area. The company offers a variety of insurance benefit plans, including life, health, and disability insurance. It works with a broad range of providers that sell quality, comprehensive insurance policies.

Culver City, CA 90230

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Susana Zinn-Independent Life Insurance Agent

Susana Zinn-Independent Life Insurance Agent

Susana Zinn Independent Life Insurance Agent is dedicated to helping clients explore insurance options to find what's right for them. This life insurance agency in Los Angeles works with partners such as John Hancock, New York Life, and Lincoln Financial Group to provide its customers with solutions for life insurance. The company sells indexed universal, whole, guaranteed universal, and term life insurance plans. Additionally, it offers business risk management consultation services and family risk management solutions such as children's insurance and second-to-die life insurance.

Los Angeles, CA 90031

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David's Insurance Services

David's Insurance Services

David's Insurance Services is a life insurance company in Los Angeles. This locally owned and operated independent agency offers a variety of insurance solutions for businesses, individuals, and families, including individual life insurance. Its agents advise clients on the different options that are available to them and assist them if they feel the need to cash out their policy. Carriers that David's Insurance Service commonly work with include Chubb, Berkshire Hathaway Guard, and Infinity.

Los Angeles, CA 90036

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Harmony Health Insurance Services

Harmony Health Insurance Services

Harmony Health Insurance Services is a Los Angeles insurance agency offering a wide range of insurance options to individuals and businesses. The company features individual and family, dental, term life, small business health insurance, and travel insurance. Harmony Health Insurance Services has also extended its plans to deliver home, auto, and business liability coverage. With more than 20 years of experience, its team of insurance agents is equipped to help its clients evaluate the options that meet their needs.

Los Angeles, CA 90066

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ISU Wissink Agency

ISU Wissink Agency

ISU Wissink Agency has been serving clients in the Los Angeles metropolitan area since 1953. Working with a variety of top insurance carriers, including Mercury Insurance, Safeco Insurance, and Progressive, it offers health and life insurance options, including long-term care insurance. Insurance policies can be tailored to meet clients' needs and may include dental and vision benefits, final expense insurance, or life insurance that includes living benefits. ISU Wissink Agency is licensed to sell insurance throughout California.

Culver City, CA 90230

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Meslee

Meslee

Meslee is a full-service insurance brokerage that serves clients in the Los Angeles metro and surrounding areas. Its team analyzes the client's situation and advises them on the type of policy to obtain, how much coverage they need, and the provider to go with. It offers life, health, dental and vision, disability, and long-term care insurance. In addition, it discusses to clients what they need to know about annuity plans. President of Meslee Insurance, Benjamin Meskin, has experience working in risk management consulting and brokerage.

Los Angeles, CA 90046

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Coex Insurance & Financial Services, Inc.

Coex Insurance & Financial Services, Inc.

Coex Insurance & Financial Services, Inc., is a Los Angeles-based insurance company that serves families, businesses, and individuals. It provides a wide range of life and health insurance products, such as disability and long-term care, as well as group and individual dental insurance. It also handles personal umbrella, RV and trailer, garage keepers liability, business owners' policy, and workers' compensation insurance. Its team of independent insurance agents collaborates with several carefully selected carriers, including Blue Shield of California, Health Net, Anthem BlueCross, and Kaiser Permanente.

Los Angeles, CA 90010

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Fiducia Life Insurance Solutions

Fiducia Life Insurance Solutions

Fiducia Life Insurance Solutions offers diverse life insurance products in Los Angeles. It helps families and individuals find coverages that are ideal for their conditions and lifestyles. Its agents inform clients about the benefits of term, guaranteed issue whole, and quality of life insurance plans. They help customers decide on policies that cover chronic, critical, and terminal illnesses. Fiducia Life Insurance Solutions also offer annuity solutions and Medicare options that promote clients' asset protection and income stability.

Los Angeles, CA 90017

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Frankel & Associates

Frankel & Associates

Frankel & Associates is an insurance brokerage that handles the needs of individuals and businesses in Los Angeles. It was established in 1988 by Randle Frankel, who provides a wide selection of personal, business, and entertainment insurance products. Its personal policies cover life, health, auto, homeowners', and travel insurance plans. Its life insurance offerings include term and whole life policies designed to protect the policyholders' family's financial future. The business also crafts personal liability insurance for the healthcare, fitness, and property management industries.

Los Angeles, CA 90035

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One City Insurance

One City Insurance

One City Insurance Agency is an independent insurance agency that's located in the Los Angeles area. This agency works with a wide array of insurance carriers to help its clients compare quotes and policies to find the coverage that works best for them. It specializes in a variety of insurance types, including life, health, and umbrella insurance. Policy options include whole and term life insurance, health insurance, and personal umbrella insurance.

Pico Rivera, CA 90660

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Expert Answers To Common Questions:

  1. Which is better, term or whole life insurance?
  2. How much life insurance do I need?
  3. How does life insurance work?
  4. How much is life insurance?
  5. Is life insurance taxable?
  6. Can I buy health insurance that is not Obamacare?
  7. Can I buy health insurance anytime?
  8. Who should buy supplemental health insurance?
Q: Which is better, term or whole life insurance?
A:
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.
Q: How much life insurance do I need?
A:
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.
Q: How does life insurance work?
A:

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
Q: How much is life insurance?
A:
The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.
Q: Is life insurance taxable?
A:

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Q: Can I buy health insurance that is not Obamacare?
A:
When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.
Q: Can I buy health insurance anytime?
A:
To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.
Q: Who should buy supplemental health insurance?
A:
Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.