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Best Life Insurance Companies in San Diego

2023

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Last updated: August 23, 2023

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270 E Douglas Ave, El Cajon, CA 92020

Business Description

Home Wealth Financial & Insurance is a life and health insurance agency near San Diego, serving residents in the surrounding communities. The agency provides free consultations that include a personal profile, analysis, and outlined strategies for coverage and wealth creation. Its agents can customize most types of life and health insurance, from policies that pay off a mortgage and fund college education to those that cover the costs of medical treatments and long-term care.

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
Facebook
5.0 / 5 (28)

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
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License Verified:

License: 0N05774

California Department of Insurance

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600 W Broadway, San Diego, CA 92101
  • Life Insurance
  • Health Insurance
  • Individual Plans

Business Description

My Benefits Coach International LLC is an insurance brokerage serving consumers in the San Diego community. It offers an individual life insurance program that comes with two options: short- and long-term. It also offers health and disability insurance plans. My Benefits Coach International LLC also helps facilitate large or small businesses' benefits administration and HR support. Founder Karen Marie Hsu has been in the industry for over 25 years and has been nominated for Family-Owned Business Of The Year by the San Diego Business Journal.

License Verified:

License: 0N05774

California Department of Insurance

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 (31)
Facebook
5.0 / 5 (1)

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
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License Verified:

License: 0G47186

California Department of Insurance

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3633 Camino Del Rio South Suite 100, San Diego, CA 92108
  • Life Insurance

Business Description

Deryk Inn is a State Farm Insurance agent serving San Diego. He offers a wide range of personal and commercial insurance products, including life insurance. His team focuses on term, whole, and universal life plans. He also handles policy modifications and beneficiary change requests. Other insurance products handled by his group include health, disability, home and property, auto, liability, and small business plans. Inn has been with State Farm Insurance for over 12 years. He can serve Spanish-speaking communities.

License Verified:

License: 0G47186

California Department of Insurance

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.
3.9
Yelp
4.0 / 5 (25)
Google
3.6 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 0B35148

California Department of Insurance

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9699 Tierra Grande St., Suite 100, San Diego, CA 92126
  • Life Insurance
  • Health Insurance

Business Description

B.H. Gold Insurance Agency has been serving clients in San Diego and the surrounding areas since 1986. It provides life insurance policies that cover funeral costs, education benefits for children, and replacement earnings for lost wages. It offers whole and term life insurance throughout the metro and in 42 states across the country. It has a variety of insurance products, such as home, auto, business, and workers' compensation insurance, and partners with carriers like Zurich, Hagerty, Progressive, and Pure Insurance.

License Verified:

License: 0B35148

California Department of Insurance

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.
4.7
Yelp
4.5 / 5 (34)
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (15)

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
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License Verified:

License: 0H99551

California Department of Insurance

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1761 Hotel Circle S Suite 320, San Diego, CA 92108
  • Life Insurance

Business Description

Readylane Insurance Svcs serves residential and commercial clients in San Diego. It provides life, health, umbrella, homeowners', and renters' insurance products. The company also handles insurance covering workers' compensation, general liability, EPLI, and professional liability. It also works on DMV matters such as registration, renewal, and title transfer. Its team of agents has more than 30 years of combined experience in the industry. Since its inception, Readylane Insurance Svcs has attended to the needs of over 5,000 clients.

License Verified:

License: 0H99551

California Department of Insurance

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 (101)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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
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License Verified:

License: 0M75769

California Department of Insurance

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1420 Kettner Boulevard Suite #100, San Diego, CA 92101
  • Life Insurance
  • Health Insurance

Business Description

AMG Life Solutions caters to clients in the San Diego metro and the surrounding areas. It helps individuals protect their loved ones by offering life insurance policies. It also provides different types of health insurance products, including Medicare Advantage and Medicare Supplement plans. In addition, it works in the areas of fixed indexed annuity and Social Security. Adrian Meneses, the firm's insurance broker, holds the National Social Security Advisor designation. He speaks Spanish and offers his services to members of the Hispanic and Latino communities.

License Verified:

License: 0M75769

California Department of Insurance

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.
4.8

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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225 Broadway, San Diego, CA 92101

Business Description

My Senior Health Plan specializes in Medicare policies throughout the U.S. It's also an independent life insurance company in San Diego, staffed by agents able to give unbiased advice on a wide range of products catering to every form of risk management, such as paying off mortgages and leaving financial legacies to loved ones. The agents can also advise clients on the most appropriate long-term care and final expenses plans.

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.
4.7
Google
4.7 / 5 (245)
Yelp
4.0 / 5 (9)

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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
––
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License Verified:

License: 0L62530

California Department of Insurance

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302 Washington Street, Suite 156, San Diego, CA 92103
  • Life Insurance

Business Description

Insurance Experts Solutions offers life insurance policies to individuals and families in San Diego and the neighboring communities. The insurance brokerage provides key person life insurance, deferred compensation plans, traditional and hybrid long-term care insurance, and individual health plans. It has partnerships with Mutual of Omaha, MetLife, American General Life Insurance, and Lincoln Financial Group. The insurance brokerage was founded in 1973 by Michael G. Collins, and is now owned and operated by his nephew Jason P. Veirs.

License Verified:

License: 0L62530

California Department of Insurance

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 (512)
Yelp
5.0 / 5 (18)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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3691 Via Mercado Ste 13, La Mesa, CA 91941

Business Description

Haisha Insurance Services Inc. is an independent agency that serves seniors, individuals, families, and businesses. It offers an array of risk management services, such as customized life and health insurance underwritten by leading carriers, including Blue Shield and Transamerica. It also provides impartial advice on various Medicare plans, disability, and long-term care insurance. Richard Haisha, the agency's lead adviser, is a member of the National Association of Health Underwriters and the National Association of Professional Agents.

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
Yelp
5.0 / 5 (22)

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
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License Verified:

License: 0H16033

California Department of Insurance

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3525 Del Mar Heights Road, San Diego, CA 92130
  • Life Insurance
  • Health Insurance

Business Description

Abrams Insurance Solutions is a financial services company that serves the insurance needs of clients in San Diego and nearby localities. The locally owned and locally operated business helps individuals and families secure financial support after losing their loved ones through a life insurance policy. Its independent insurance agents represent over 70 carriers that deliver a variety of coverage options. These include term life, no-exam life, indexed universal, final expense, whole life, and hybrid life insurance. The company has been operating since 2009.

License Verified:

License: 0H16033

California Department of Insurance

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.
4.1
Google
4.0 / 5 (29)
Yelp
5.0 / 5 (3)

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
Visit WebsiteWebsite

License Verified:

License: 0F47933

California Department of Insurance

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3525 Del Mar Heights Rd. Ste 754, San Diego, CA 92130
  • Life Insurance
  • Health Insurance

Business Description

Kazerouni Insurance Services is an insurance company that works with individuals, families, and businesses around San Diego. As an independent agency, it helps clients identify the coverage that best suits their needs from an array of carriers. Its products include life insurance policies such as term and whole life options. Health and long-term insurance policies are also offered, along with insurance for pets, cars, condos, and workers' compensation. Kazerouni Insurance Services employs agents that can serve clients in Arizona, Texas, New York, Illinois, and Florida.

License Verified:

License: 0F47933

California Department of Insurance

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
Yelp
5.0 / 5 (36)
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (9)

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
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License Verified:

License: 0501471

California Department of Insurance

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2333 Camino Del Rio South, Suite 200, San Diego, CA 92108
  • Life Insurance
  • Health Insurance

Business Description

JS Downey Insurance Service is an agency that serves individuals, families, and businesses in San Diego. It offers term and whole life insurance policies that provide financial protection to beneficiaries in the event of unexpected deaths. The agency partners with several insurance carriers, which allows its brokers and their clients to compare and select policies based on their needs and budgets. Founder James Stephen Downey has more than 40 years of experience as an independent business owner and an insurance professional.

License Verified:

License: 0501471

California Department of Insurance

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.
4.7
Google
4.6 / 5 (11)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (3)

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
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License Verified:

License: 0E20453

California Department of Insurance

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11622 El Camino Real, San Diego, CA 92130
  • Life Insurance
  • Health Insurance

Business Description

Rancho Del Sur Insurance Services, Inc., is a multi-line independent agency that serves individuals in the San Diego metro. It offers life coverage programs, including whole, term, universal, indexed, and survivorship insurance. The company also provides health insurance products for individuals and groups and for dental, vision, and disabilities. It reviews available carriers and packages and assists clients in finding the ones suitable for their needs. Rancho Del Sur Insurance Services principal Scott Benjamin has been in the industry since 1990.

License Verified:

License: 0E20453

California Department of Insurance

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 (12)
Facebook
5.0 / 5 (4)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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License Verified:

License: 0B91431

California Department of Insurance

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3033 5th Avenue Suite 325, San Diego, CA 92103
  • Life Insurance
  • Individual Plans

Business Description

JPL Insurance Services is an independent agency that operates in and around the San Diego metro. It offers life insurance and guides aspiring policyholders in finding the right option that has the optimum coverage for their lifestyle. It also provides other lines of personal insurance, such as homeowners' and auto, and business insurance that covers workers' compensation, contractors, and general business packages. JPL Insurance Services was established in 1933 and has since provided financial protection for hundreds of individuals, families, and businesses.

License Verified:

License: 0B91431

California Department of Insurance

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.
4.9
Google
5.0 / 5 (32)
Facebook
5.0 / 5 (25)
Yelp
1.0 / 5 (1)

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
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7183 Navajo Rd Ste M, San Diego, CA 92119

Business Description

The Doctors Insurance Broker was founded in 2012 by insurance agents who wanted to return to traditional methods of supporting their clients that wouldn't involve call centers. Each client is assigned a single agent who is their one point of contact for all of the agency's insurance services, which includes life, health, and long-term care. Its clients are typically medical professionals, such as dentists, nurses, and physicians. The agency also specializes in professional liability insurance.

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
Yelp
5.0 / 5 (22)

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
Visit WebsiteWebsite

License Verified:

License: 0E46270

California Department of Insurance

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5106 Federal Blvd Ste 105, San Diego, CA 92105
  • Life Insurance
  • Health Insurance

Business Description

Richard Parker is an insurance agent at State Farm. He serves individuals, families, and businesses in the community of San Diego and its surrounding areas. He provides a wide range of insurance coverage, such as life, commercial truck, automobile, business, health, and homeowners' insurance. State Farm is an insurance company that has been operating since 1922. It offers investment services that include retirement planning, annuities, mutual funds, and educational savings. It has more than 19,000 independent contractor agents across the country.

License Verified:

License: 0E46270

California Department of Insurance

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
3.7 / 5 (12)
Facebook
5.0 / 5 (8)

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
Visit WebsiteWebsite

License Verified:

License: 0B53979

California Department of Insurance

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4619 Convoy St Ste C, San Diego, CA 92111
  • Life Insurance

Business Description

Established in 1980, Stanley Wong Insurance Agency is a locally operated firm that serves San Diego. It represents various carriers and helps clients choose the life insurance policy that match their needs such as term, universal, and whole. Its other personal lines of insurance include health, property, and vehicle. It also offers commercial auto, property, and umbrella, general liability, surety bonds, and workers’ compensation to provide businesses with financial protection. Founding partner Stanley previously worked as a commercial insurance underwriter.

License Verified:

License: 0B53979

California Department of Insurance

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.
4.7
Google
4.7 / 5 (47)
Yelp
4.5 / 5 (9)
Facebook
5.0 / 5 (1)

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
Visit WebsiteWebsite

License Verified:

License: 0G13604

California Department of Insurance

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2850 Womble Rd Suite 103, San Diego, CA 92106
  • Life Insurance
  • Health Insurance
  • Long Term Care
  • Commercial Insurance

Business Description

Ives Insurance Services, inc., is a full-service insurance agency that caters to residents of San Diego and surrounding communities. It offers life insurance policies for both personal and commercial purposes, from death benefits to ownership transfers. The agency can also educate first-time clients about the benefits and differences of term-life policies, permanent life policies, and universal life policies. Ives Insurance Services was established in 1959 by Dick Ives, who believed in building individualized policies. Since 1989, it has been managed by Dick's daughter, Sharon Ives.

License Verified:

License: 0G13604

California Department of Insurance

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 (18)
Yelp
5.0 / 5 (17)
Facebook
5.0 / 5 (11)

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
Visit WebsiteWebsite

License Verified:

License: 0I44860

California Department of Insurance

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2313 El Cajon Blvd, San Diego, CA 92104
  • Life Insurance
  • Health Insurance

Business Description

Dorian Brewer is a State Farm insurance agent who caters to clients in San Diego. His life insurance products provide coverage for individuals in the event of their passing through illness or an accident, or from natural causes. Dorian provides in-person consultations that help clients identify their needs and assess their situations to craft customized plans for their goals. He also offers products for supplemental medical care and coverage in terms of workers' compensation. The insurance specialist is a member of the San Diego Equality Business Association.

License Verified:

License: 0I44860

California Department of Insurance

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.
4.8
Google
4.7 / 5 (43)
Facebook
5.0 / 5 (26)
Yelp
4.0 / 5 (6)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    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.
  • How much is life insurance?

    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.

  • Is life insurance taxable?

    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.


  • Can I buy health insurance that is not Obamacare?

    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.

  • Can I buy health insurance anytime?

    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.