Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of California before hiring.
Showing 18 final expense insurance agents in Rancho Santa Margarita, CA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Lori Garabedian - State Farm Insurance Agent
30052 Aventura # C, Rancho Santa Margarita, CA 92688
(949) 858-4400
lgginsurance.com
David C. Duncan Insurance Services, Inc.
30376 Esperanza Suite 200, Rancho Santa Margarita, CA 92688
(949) 836-8116
duncaninsuranceservices.com
Farmers Insurance - Jerry Farcone
30201 Aventura Ste 201, Rancho Santa Margarita, CA 92688
(949) 709-7860
agents.farmers.com
Rick Sicro - State Farm Insurance Agent
22362 Gilberto Ste 240, Rancho Santa Margarita, CA 92688
(949) 240-9300
ricksf.com
Mashco Insurance Solutions Inc
31 La Cascada, Rancho Santa Margarita, CA 92688
(949) 838-4233
mashcoinsurance.com
George Menclewicz: Allstate Insurance
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(949) 459-2795
agents.allstate.com
Adam Bays - State Farm Insurance Agent
22521 Avenida Empresa Ste 105, Rancho Santa Margarita, CA 92688
(949) 305-8432
adambays.com
Pension Professional Inc
30212 Tomas Ste 275, Rancho Santa Margarita, CA 92688
(949) 362-3650
pensionprofessionals.us
Farmers Insurance - Cameron Watson
30162 Tomas Ste 205, Rancho Santa Margarita, CA 92688
(800) 922-6526
agents.farmers.com
Shorr Agency Inc
30211 Avenida de las Banderas, Rancho Santa Margarita, CA 92688
(888) 737-6200
shorragency.com
Julie's Insurance Services
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 979-6771
juliesinsurance.com
Farmers Insurance - Renee Connell
30211 Avenida de las Banderas # 200, Rancho Santa Margarita, CA 92688
(949) 888-6610
agents.farmers.com
RSM INSURANCE & FINANCIAL SERVICES
22342 Avenida Empresa Ste 130, Rancho Santa Margarita, CA 92688
(877) 459-2795
Phillip Robinson Insurance Agency, Inc.
30211 Avenida de las Banderas #200, Rancho Santa Margarita, CA 92688
(949) 525-8072
Farmers Insurance
30021 Tomas, Rancho Santa Margarita, CA 92688
(949) 581-4466
farmers.com
Rischel Insurance Services
31441 Santa Margarita Pkwy, Rancho Santa Margarita, CA 92688
(949) 589-8763
Ostlund Insurance
22431 Antonio Pkwy, Rancho Santa Margarita, CA 92688
(949) 888-4444
totalinsuranceaccess
22342 Avenida Empresa #255, Rancho Santa Margarita, CA 92688
+234 714 990 4362
totalinsuranceaccess.com
Final expense insurance agents in Rancho Santa Margarita help residents secure coverage for end-of-life costs like funerals and medical bills. California law requires agents to be licensed by the California Department of Insurance and to follow strict disclosure rules. These policies typically offer smaller death benefits to ease the financial burden on loved ones.
What Does a Final Expense Insurance Agent in Rancho Santa Margarita Cost?
In California, final expense insurance premiums vary by age, health, and coverage amount. For a healthy 65-year-old, a 10,000 dollar policy might cost 50 to 80 dollars per month. Older applicants or those with health conditions may pay higher rates. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a final expense insurance policy in California?
A final expense policy is a whole life insurance plan with a death benefit usually between 5,000 and 35,000 dollars. In California, insurers must provide a free look period of at least 30 days for replacement policies. These policies do not require a medical exam and are designed to cover funeral costs and outstanding debts.
How do I choose a final expense insurance agent in Rancho Santa Margarita?
Look for an agent licensed in California with experience in final expense plans. Check their standing with the California Department of Insurance online. Ask about policy guarantees and whether the premium is fixed for life.
Are final expense insurance premiums tax deductible in California?
Generally, premiums for personal final expense insurance are not tax deductible. However, if the policy is used for business purposes or as part of an estate plan, consult a tax professional. California follows federal tax rules for life insurance.