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Best Life Insurance Companies in Las Cruces

2024

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Providers

Last updated:

Website
3201 South Main Street, Las Cruces, NM 88005
  • Life Insurance

Why choose this provider?

Kent Byers is an insurance agent who has been working at State Farm since 1999. He offers services to clients in Las Cruces and the surrounding areas. Included in his line of products are term, whole, and universal life insurance policies, which can cover college tuition, living expenses, and mortgage payments. Furthermore, he provides renters', property, homeowners', health, and business insurance products. Kent stays involved in his community by being a member of the Las Cruces Chamber of Commerce.

License Verified:

License: 8154

New Mexico Regulation and Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1100 South Main Street, Las Cruces, NM 88005
  • Health Insurance
  • Term Life Insurance
  • Life Insurance

Why choose this provider?

Safe Money Alliance helps individuals in Las Cruces explore their options for investing and acquiring life insurance. Its owner and founder, Mark D. Goldstein, has been working in the financial industry for over 26 years. Backed by his experience and knowledge of the field, he provides clients with the assistance they need to secure their assets through fixed-index annuities and permanent life insurance. Interested parties may schedule a consultation with Safe Money Alliance by phone or through its official website.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1121 Mall Drive, Las Cruces, NM 88011
  • Life Insurance

Why choose this provider?

Grindell & Romero Insurance is a locally owned and operated insurance agency that has been providing protection through its insurance products since 1888. It caters to clients in Las Cruces and the surrounding areas. It offers a variety of products including life insurance, which comes in different policies and options such as term life or whole life. The benefits include paid off debts, paid taxes, charity contributions, inheritance, and paid final costs for the family. Business, home, and car insurance coverages are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (167)
Facebook
5.0 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
114 Mesa Park Drive, El Paso, TX 79912
  • Life Insurance
  • Health Insurance

Why choose this provider?

Commercial Insurance Brokers, Inc., has been assisting individuals and families in Las Cruces since 2006. It offers different types of life insurance options, including term, universal, and whole life insurance policies. It also provides personal insurance products, such as homeowners, auto, flood, and umbrella insurance plans. This company was founded by Maggie Rodriguez-Foster and Ken Foster, who have nearly six decades of cumulative experience in the insurance business. Their team of agents has similarly extensive professional backgrounds.

License Verified:

License: Verified

New Mexico Regulation and Licensing Department

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1591 East Lohman Avenue, Las Cruces, NM 88001
  • Life Insurance

Why choose this provider?

Bernal Insurance Group is a life insurance company that serves clients in Las Cruces and the surrounding areas. The agency provides a variety of life insurance options, including whole life, term life, and universal. There are insurance plans specifically for businesses, properties, healthcare, and vehicles. Its partner carriers include Hallmark Insurance, American Modern, and Dairyland Insurance Co. Founded by Larry Bernal, the firm has now been operating for more than 27 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (67)
Facebook
4.6 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1405 South Valley Drive, Las Cruces, NM 88005
  • Life Insurance
  • Health Insurance

Why choose this provider?

Olivia Carver is one of State Farm's professional insurance agents in the Las Cruces area. Since joining the company in 2014, she has helped individuals, families, and businesses secure insurance plans that fit their specific needs and goals. Carver assists primarily with life insurance policies, which could be either term life or permanent life insurance. She also advises clients about other types of insurance plans, like auto, home, health, and business insurance. Additionally, she helps with life insurance plans designed for small businesses.

License Verified:

License: 100011392

New Mexico Regulation & Licensing Department

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • In Las Cruces, can you convert your term life insurance policy to a permanent policy?

    Some insurance companies in Las Cruces allow customers to convert their term life insurance to permanent life insurance. You must select any type of level-premium permanent life insurance policy; no proof of insurability is required. Policyholders who meet the requirements must undergo a medical examination. The amount of insurance coverage, in addition to your gender, age, and risk category, will determine the cost of your policy.

  • What options do policyholders in Las Cruces have when it comes to personalizing their life insurance policy?

    Those looking to purchase a life insurance policy in Las Cruces can customize their policy and receive additional protection by selecting from several rider options. An accidental death benefit rider can be purchased by the insured, which would pay out in the event of death caused by a covered accident. Furthermore, the insured can purchase a child rider, which provides a death benefit if one or more children die.

  • Who would you choose as the receiver of your Las Cruces life insurance if you are single?

    In Las Cruces, if you do not have a spouse and you have a life insurance policy, you can choose your kids as beneficiaries. If you do not have any, you can choose your parents or siblings. Another choice is to leave the money to a charity. Additionally, money might be divided between your heirs and creditors and transferred to your estate.

  • Can you purchase life insurance to support a child with a disability financially in Las Cruces?

    In Las Cruces, parents who have children with disabilities have the option of buying a life insurance policy to help their kids financially if they die too soon. One can set up a trust fund if they want to give someone else control of their money while still making sure that their goals are met. It is a good idea to talk with your agent about the possible risks and insurance coverage needed for a child with a disability.

  • What is a collateral assignment of life insurance, and how does it impact your policy in Las Cruces?

    Life insurance collateral assignment in Las Cruces uses the death benefit as loan collateral. If you are unable to pay, the lender may take the collateral from your coverage. However, using your life insurance policy as collateral can have an impact on your beneficiaries if you fail to make loan payments or die with a balance owed. As a result, the death benefit payment to your beneficiaries may be reduced.

  • 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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