ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.

Find Life Insurance Agents Near You in Merced, CA

Browse life insurance agents serving Merced, California. Updated 2026-07-14.

The top-rated life insurance agent in Merced, California is Cost-U-Less Insurance, rated 4.9 stars across 769 reviews. Other highly rated options include State Farm Insurance Agent, AAA Merced Branch, Torrey Moe - State Farm Insurance Agent. This directory lists 21 life insurance agents serving Merced.

Showing 21 life insurance agents in Merced, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Cost-U-Less Insurance3070 M St #1(209) 418-7383
2State Farm Insurance Agent1124 W Olive Ave #102(209) 384-8811
3AAA Merced Branch3065 M St(209) 726-7440
4Torrey Moe - State Farm Insurance Agent61 W Alexander Ave(209) 580-4432
5Quote Valley Insurance - Covered California840 W Olive Ave STE E(209) 723-2000
6Freeway Insurance251 W 11th St(209) 781-4122
7Fluetsch & Busby Insurance725 W 18th St #1(209) 722-1541
8Justi Smith - State Farm Insurance Agent830 W 19th St(209) 383-3208
9Farmers Insurance - Annissa Fragoso527 W Main St(209) 626-5551
10Edge Insurance Services2830 G St Ste B(209) 385-3343
CU
3070 M St #1
Cost-U-Less Insurance
Life Insurance Agent · Merced, CA

Cost-U-Less Insurance serves clients in Merced, California, offering life insurance agent services. The company helps individuals and families secure financial protection through various policy options. These policies are designed to provide benefits to beneficiaries upon the policyholder’s death. Agents assist in evaluating coverage needs and guide customers through the application process. In this area, the firm handles term life and whole life insurance policies to meet diverse long-term financial planning needs.

SF
1124 W Olive Ave #102
State Farm Insurance Agent
Life Insurance Agent · Merced, CA

State Farm Insurance Agent in Merced, California, provides life insurance policies and related financial protection services. Ongoing policy reviews and beneficiary updates are available to help keep coverage aligned with changing needs. Agents assist clients in evaluating term and whole life options to support long-term financial goals. The office serves a variety of local clients, including single-family homes, apartments, retail, and restaurants.

AM
3065 M St
AAA Merced Branch
Life Insurance Agent · Merced, CA

AAA Merced Branch serves the Merced, California area, providing life insurance agent services. The company assists local residents and business owners in evaluating their financial protection needs. By assessing individual coverage requirements, they help clients select appropriate policy types and benefit amounts. Their work includes guiding applicants through the underwriting process to obtain suitable life insurance products. This local agency also focuses on offering term life policies and final expense coverage for families in the Merced region.

TM
61 W Alexander Ave
Torrey Moe - State Farm Insurance Agent
Life Insurance Agent · Merced, CA

Serving homeowners, renters, and local businesses in Merced, Torrey Moe - State Farm Insurance Agent provides life insurance policies to help protect families financially. This agency discusses term and whole life options, guiding clients through coverage that aligns with their long-term planning needs. Life insurance consultations focus on income replacement, debt coverage, and final expense considerations. Service is available for households and sole proprietors seeking straightforward policy insights. The agency also extends its life insurance services to clients in Atwater and the surrounding Merced County area.

QV
840 W Olive Ave STE E
Quote Valley Insurance - Covered California
Life Insurance Agent · Merced, CA

Quote Valley Insurance - Covered California serves Merced and the surrounding communities in the Central Valley. The agency handles life insurance policies, helping local residents select coverage that meets their personal financial needs. As a life insurance agent in this area, the company works to simplify complex insurance options for its clients. A typical policy is approached by first assessing the client’s coverage requirements and then presenting suitable plan choices from available providers.

FI
251 W 11th St
Freeway Insurance
Life Insurance Agent · Merced, CA

Freeway Insurance provides life insurance agent services in Merced, California. It offers guidance on term and whole life policies, helping residents choose appropriate coverage for their financial goals. The company also assists with policy reviews and adjusting beneficiary designations as personal circumstances change. Regular consultations help maintain consistent protection for families. The agency serves individual residential clients, including those in single-family homes and apartments, as well as commercial property owners for retail and restaurant businesses.

FB
725 W 18th St #1
Fluetsch & Busby Insurance
Life Insurance Agent · Merced, CA

Fluetsch & Busby Insurance offers both one-time policy reviews and recurring service options for life insurance needs in Merced, CA. Coverage is tailored to help local clients secure financial protection for their families or beneficiaries. Agents assist with evaluating term or whole life plans to fit individual budgets and goals. Service for ongoing policy management typically runs on a scheduled or as-needed basis, ensuring that coverage remains aligned with changing life circumstances.

JS
830 W 19th St
Justi Smith - State Farm Insurance Agent
Life Insurance Agent · Merced, CA

Justi Smith - State Farm Insurance Agent in Merced, CA provides life insurance policies designed to help protect families from financial hardship after an unexpected death. As a local agent, this office also assists clients with other personal insurance needs such as auto, home, and health coverage. The agency works directly with individuals to review their current policies and recommend adjustments as circumstances change. During open enrollment periods for health-related plans, the office helps residents navigate their coverage options to ensure they have the appropriate protections in place.

FI
527 W Main St
Farmers Insurance - Annissa Fragoso
Life Insurance Agent · Merced, CA

As families in Merced begin planning for the upcoming harvest season, Farmers Insurance - Annissa Fragoso offers essential life insurance coverage to secure their long-term financial security. The agency works with local residents to assess individual protection needs during policy development. Calm consultation sessions usually follow an introductory schedule. A dedicated agent will review medical history basics with each client prior to moving forward. Upon express consent, the office arranges the initial in-person inspection to begin enrollment processing.

EI
2830 G St Ste B
Edge Insurance Services
Life Insurance Agent · Merced, CA

Edge Insurance Services assists individuals and families in Merced, California, with securing life insurance coverage. The agency specializes in helping clients navigate term life, whole life, and universal life policy options. Its work focuses on matching applicants with appropriate plans for income replacement, final expense needs, and future financial protection. Edge Insurance Services regularly serves local offices, warehouses, and food service operations seeking group or individual life coverage for their teams.

PP
240 E Yosemite Ave
Peter Padilla - State Farm Insurance Agent
Life Insurance Agent · Merced, CA
(209) 383-5843
peterpadilla.com
MA
1624 K St
Merced Atlas Insurance Services
Life Insurance Agent · Merced, CA
(209) 626-5450
LC
3187 Collins Dr
Leap | Carpenter | Kemps Insurance Agency
Life Insurance Agent · Merced, CA
(209) 384-0727
MI
833 W 18th St
Merced Insurance
Life Insurance Agent · Merced, CA
(209) 722-3318
mercuryinsurance.com/agents/california/merced-ins-agcy-044056.html
SI
505 W 18th St
Salmeri Insurance
Life Insurance Agent · Merced, CA
(209) 722-8020
salmeri.com/about-us
RI
126 W Main St Ste A
RC Insurance Brokers
Life Insurance Agent · Merced, CA
(209) 233-6213
rcib.net
BI
1164 Olivewood Dr
Barlocker Insurance Services
Life Insurance Agent · Merced, CA
(209) 383-0220
leavitt.com/barlocker
NH
2185 G St suite 200
New Horizon Insurance Services Merced
Life Insurance Agent · Merced, CA
(209) 722-1400
newhorizonins.com
CM
2824 Park Ave Ste. C
Chuck Meyer Insurance Agency
Life Insurance Agent · Merced, CA
(209) 383-7774
chuckmeyerinsurance.com
II
368 E Yosemite Ave Ste. 100
InterWest Insurance Services, LLC. Merced
Life Insurance Agent · Merced, CA
(209) 723-9181
iwins.com/contact-us/merced
IL
527 W Main St
The Insurance Lady
Life Insurance Agent · Merced, CA
(209) 628-2920
the-insurancelady.com

What Does a a Life Insurance Agent in Merced Cost?

A typical term life policy for a healthy 35 year old in California costs between $25 and $50 per month for $500,000 of coverage. Whole life policies range from $100 to $300 per month for the same face amount. Actual costs depend on age health occupation and tobacco use. This is general information and not insurance advice.

About life insurance agents in Merced

Life insurance agents in Merced California help residents protect their families with term life whole life and universal life policies. California law requires agents to hold a valid state license and follow strict disclosure rules under the California Insurance Code. Local agents understand the agricultural and commuter lifestyle of the Central Valley and can tailor coverage to your needs.

Frequently Asked Questions

What license does a life insurance agent need in Merced California?

Agents must hold a California Department of Insurance life agent license. They must complete pre-licensing education pass a state exam and renew their license every two years with continuing education.

How long do I have to contest a life insurance policy in California?

In California the contestability period is two years from the policy issue date. After two years the insurer cannot deny a claim based on misstatements in the application except for fraud.

Can a life insurance agent in Merced help with estate planning?

Yes many agents work with estate planning attorneys to structure policies for estate tax purposes. California does not have a state estate tax but federal exemptions may apply for larger estates.

Life Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.