Prudential Insurance in San Diego, CA with Reviews -
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By: Natural N.
Colva Insurance Services
Very impressive!With the help of Colva, you won’t have to sit and scratch your head trying to figure out about hidden expenses, charges, and fees associated with purchasing a life insurance policy.You must consult with Colva's agents for your policy
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By: Buy firewood direct U.
Colva Insurance Services
Excellent Life Insurance Consulting Services!Information given by them is really commendable.Well formatted knowledge given about Life Insurance Policies, Fiduciary Rule, Irrevocable Life Insurance Trust, Index Annuity, DOL Fiduciary Rule, Life Settlement Investments.
By: Dave H.
Life Insurance Guys
I was able to get a quick quote online with some basic information. A licensed agent followed up with me and was able to help me custom tailor a plan to my exact needs. Outstanding customer service made the process painless.
By: L G.
Bill Paxton - State Farm Insurance Agent
Never answers the phone. Absolutely impossible to contact him. How can they conduct business like this?
By: Jeremy B.
Allstate Insurance Agent: Philip Mullane
Phil was great for the past 10 years, and probably 20 years before that, but now he has completely dropped the ball, never replies to voicemails, makes commitments by email and then does not follow through, and to be honest is the worst licensed professional I've ever worked with. Keep in mind I'm just trying to renew policies etc..etc.. there have been 0 claims and this has nothing to do with price haggling etc etc, just total incompetence.
By: John L.
San Diego Compare Life Insurance
Decided to call and was surprised that it was pretty quick to get a quote for my wife and myself.I received the quotes within the hour based on my request. Professional and delivered what I was looking for on the amounts of coverage.Good job.
By: ellering
Lisa Keith - State Farm Insurance Agent
Getting an insurance quote has always been confusing. I think that auto insurance in general is confusing. I called the San Diego, Lisa Keith office and the staff was very helpful in explaining what State Farm has to offer vs other companies out there. They explained all the coverages since no one had ever done that for me. They made my experence the best is has ever been in regards to insurance. When I went into the office to pick up the ID cards they gave me a bunch of free stuff. I love free stuff. Thank you so very much. All of you are so wonderful.
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By: Joshua J.
Lisa Keith - State Farm Insurance Agent
I had an absolutely wonderful experience with Lisa and her crew at State Farm. They were very patient with my 1001 questions, and at no time made me feel like I was annoying them. Thanks again for all your help!!
By: Jenn M.
Reliant General Insurance
They don't deserve one star at all. They lie about your claim status and give you the runaround. They don't do follow ups to cases as they are legally entitled to do so. Told me CHP was investigating case...after 4 one answers or returns calls. Called CHP (LA) to conduct my own investivation, and CHP has never spoken to them. This company is does not act in good faith. #SCAM
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By: Bruna U.
C I O Insurance Services
Thank you. They are very kind
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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