Best Life Insurance In California
California’s life insurance laws are governed by California Insurance Code.
- 10-day free look period (CA Ins. Code 10127.9)
- 60-day grace period (CA 10113.71)
- Companies are required to pay accrued interest starting from the date of death if payment takes longer than 30 days (CA 10172.5)
- Guarantees up to $300,000 for lost death benefit payments and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Colorado’s life insurance laws and Connecticut’s life insurance laws are nearly identical to those of California).
How Much Is A $10,000 Whole Life Policy In California?
The table below shows the rates by age of $10,000 of whole life insurance in California.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.58 | $17.17 | $14.27 | $16.32 |
| 25 | $16.44 | $18.24 | $15.40 | $17.73 |
| 30 | $17.71 | $20.06 | $16.06 | $19.24 |
| 35 | $19.14 | $21.90 | $17.52 | $20.86 |
| 40 | $20.84 | $24.91 | $19.88 | $23.49 |
| 45 | $23.57 | $28.56 | $23.06 | $27.70 |
| 50 | $27.52 | $33.67 | $24.49 | $31.48 |
| 55 | $33.00 | $39.89 | $28.24 | $37.14 |
| 60 | $38.95 | $46.94 | $33.37 | $42.02 |
| 65 | $48.60 | $57.89 | $41.45 | $50.29 |
| 70 | $60.70 | $71.23 | $52.43 | $60.02 |
| 75 | $97.79 | $133.23 | $71.66 | $94.74 |
| 80 | $134.64 | $182.25 | $98.07 | $135.36 |
| 85 | $188.29 | $257.77 | $132.06 | $192.78 |
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Best Life Assurance In Los Angeles
Los Angeles, often known as the City of Angels, is a sprawling Southern California city famed for its iconic Hollywood sign, expansive entertainment industry, and vibrant cultural landscape. Home to diverse neighborhoods, sun-kissed beaches, and renowned museums, Los Angeles captivates visitors with its blend of natural beauty and urban sophistication. From the glamorous Rodeo Drive to the historic streets of Downtown L.A., the city offers a rich tapestry of experiences, making it an enduring symbol of dreams and innovation. Whether you’re soaking up the sun at Venice Beach, exploring the eclectic food scene, or catching a concert at the Hollywood Bowl, Los Angeles promises an unforgettable journey through the heart of West Coast culture.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Life Insurance Specialist Richard Leib | Palms @ Sepulveda Blvd. | +13105599896 |
| LA Life Insurance | 1063 E Angeleno Ave | +13109290107 |
| A+ Los Angeles Life Insurance Agent | 722 b Americana Way #563 | +13233884775 |
| Lider Insurance Services | 1056 N Western Ave | +13234636280 |
| CmAgencySocal | 4205 Council St #301 | +13232076582 |
| Veronica´s Insurance | 113 W Cesar Estrada Chavez Ave | +12137863140 |
Best Coverage In Fresno
Fresno, located in the heart of California’s San Joaquin Valley, is a vibrant city that melds agricultural richness with cultural diversity. Known for its lush landscapes, including the breathtaking beauty of nearby Yosemite, Sequoia, and Kings Canyon National Parks, Fresno serves not only as a gateway to natural wonders but also as a bustling urban center. Its historical roots are visible in the charming architecture downtown, while contemporary Fresno is alive with arts, entertainment, and an evolving culinary scene. The city boasts a strong community spirit, vibrant markets, and a calendar full of festivals and events, showcasing its role as an influential hub in central California. Whether you’re exploring its scenic vineyards, enjoying its diverse restaurants, or taking part in its outdoor activities, Fresno offers a unique blend of experiences that capture the essence of California living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Tony Melena Insurance Agency | 5806 W Chennault Ave | +15597097698 |
| Prestige Life Insurance Solutions | 4949 E McKinley Ave Suite A | +15593120446 |
| Jonathan Parra – Agent with Golden Memorial Insurance Services | 1435 Fresno St | +15595796975 |
| MKG Insurance Agency | 4021 N Fresno St Suite 107 | +15592934977 |
| Randhawa Insurance Agency Inc | 3150 N Weber Ave | +15595496800 |
| Future Life Insurance Solutions | 1968 N Gateway Blvd | +15593125547 |
| L&P Life Coverage | 1502 Fulton St #3 | +15598215188 |
| Donna’s Legal and life insurance | 3211 E Olive Ave | +17072739893 |
| Villarreal Final Expense Services | 4615 W Jacquelyn Ave | +15596123490 |
| Tania Jensen, Bankers Life Agent | 7519 N Ingram Ave Ste 101 | +15592259236 |
| Hugo Ruiz, Bankers Life Agent | 7519 N Ingram Ave Ste 101 | +15592259236 |
| Funeral Insurance Fresno | 1987 N Gateway Blvd #101 | +15599706961 |
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Best Policies In San Diego
San Diego, California, epitomizes the quintessential Southern California lifestyle with its year-round warm weather, miles of white-sand beaches, and a laid-back vibe that attracts sun-seekers and surfers alike. This vibrant coastal city is renowned for its world-class attractions, including the San Diego Zoo, Balboa Park, and SeaWorld. San Diego’s rich maritime history is explored through its historic sites and museums, while the bustling Gaslamp Quarter offers trendy restaurants, chic boutiques, and a lively nightlife scene. From the picturesque shores of La Jolla to the cultural hub of Little Italy, San Diego delights visitors with its diverse neighborhoods, outdoor adventures, and its welcoming, sunny disposition.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Let’s Insure | 550 West C St Suite 1690 | +18778517867 |
| David Allan Hunt-West Insurance | 4370 Idaho St UNIT 2 | +16198481155 |
| D. West Life | 227 50th St APT 14 | +14257806999 |
| America’s Finest Insurance Service | 4573 Voltaire St | +16193169671 |
Best Life Cover In San Francisco
San Francisco, nestled along the Northern California coast, embodies a vibrant tapestry of cultural richness and innovative spirit. Known for its iconic Golden Gate Bridge, historic cable cars, and picturesque Victorian homes, this city is a bastion of diversity and progressiveness. From the bustling streets of Chinatown to the serene landscapes of the Presidio, San Francisco offers a unique blend of natural beauty and urban sophistication. Its thriving tech scene, alongside a commitment to sustainability, makes it a hub for forward-thinking individuals. Whether it’s exploring the fog-laden paths of Golden Gate Park, savoring the culinary delights of the Mission District, or indulging in the arts and culture at Fisherman’s Wharf, San Francisco captivates with its endless charm and possibilities.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Perfect California Insurance | 548 Market St #333 | +18888888212 |
| April Insurance Agency | 204 Valencia St Unit 6 | +14152428100 |
| Walter Li – State Farm Insurance Agent | 1329 Chestnut St | +14153461000 |
| Promise Life Insurance | 38 Keyes Ave | +14156785134 |
| AAA Insurance Agent: Francisco Verdin | 2300 16th St Ste 280 | +14155537218 |
| Health Insurance | 1600 Webster St APT 105 | +14153770245 |
| MOC Insurance Services | 101 Montgomery St | +14159570600 |
Best Life Insurance In San Jose
San Jose, the heart of Silicon Valley, is a vibrant city known for its cutting-edge technology scene, rich cultural diversity, and abundance of outdoor activities. Nestled in Northern California, it offers a unique blend of modern innovation and historic charm, boasting a plethora of tech museums, lush parks, and a bustling downtown area filled with shops, restaurants, and entertainment options. As the third-largest city in California, San Jose plays a significant role in the global tech industry while maintaining a strong sense of community and environmental sustainability.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Let’s Insure – San Jose | 1900 Camden Ave #204 | +18778517867 |
| KIS Insurance Services | 1225 W San Carlos St #2 | +14084911111 |
| Wynn Insurance Agency | 1590 Oakland Rd b102 | +14082152087 |
| Prudential | Shelly Cen | Life Insurance & Financial Services | 1731 Technology Dr #600 | +14086461671 |
| New York Life Insurance – Tran Minh Thao | 550 S Winchester Blvd #405 | +14086446004 |
| Prudential | Chiou-Pying Cheng | Life Insurance & Annuities | 1731 Technology Dr | +14082212499 |
| Miguel Sanchez – Insurance Broker | 175 Bernal Rd | +14088294871 |
| Dick Alesch – State Farm Insurance Agent | 164 N Bascom Ave a | +14089180877 |
| New York Life Insurance | 550 S Winchester Blvd #405 | +14085567220 |
| Farmers Insurance – Yuan Li | 2695 Moorpark Ave Ste 201 | +14088688726 |
| Jing Chen(陈静), MassMutual, Life Insurance, Retirement planning, Long Term Care Insurance | 2150 N First St Suite 500 | +14087619088 |
| Farmers Insurance – Michael Short | 2695 Moorpark Ave Ste 201 | +14084666586 |
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Top Life Insurance Companies In California
For the residents of the great state of California, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
