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Find Life Insurance Agents Near You in Monterey, CA

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

The top-rated life insurance agent in Monterey, California is Jim Rinehart - State Farm Insurance Agent, rated 5.0 stars across 280 reviews. Other highly rated options include AAA Monterey Branch, Farmers Insurance - Jessica Connally, Natalie Hungerford: Allstate Insurance. This directory lists 18 life insurance agents serving Monterey.

Showing 18 life insurance agents in Monterey, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Jim Rinehart - State Farm Insurance Agent2511 Garden Rd Suite C-125(831) 393-8500
2AAA Monterey Branch53 Soledad Dr(831) 645-1900
3Farmers Insurance - Jessica Connally404 W Franklin St Ste 102(831) 424-0829
4Natalie Hungerford: Allstate Insurance591 Hartnell St(831) 642-6400
5Christopher Thom: Allstate Insurance201 Calle Del Oaks Ste A(831) 373-2791
6Capital Insurance Group1 Lower Ragsdale Dr(877) 200-4220
7Cowell & Smith Insurance Agency2250 N Fremont St(831) 372-5800
8Laurrie Pike Insurance Agency404 W Franklin St(831) 373-3180
9Ray Martin - State Farm Insurance Agent2115 N Fremont St(831) 646-9520
10Finch and Pirkle Insurance482 Alvarado St(831) 372-1206
JR
2511 Garden Rd Suite C-125
Jim Rinehart - State Farm Insurance Agent
Life Insurance Agent · Monterey, CA

Jim Rinehart - State Farm Insurance Agent serves the Monterey, California area, offering life insurance agent services to local residents. In this role, the company helps clients evaluate their financial protection needs and select appropriate coverage. The agent provides guidance on the various policy options available in the region, assisting individuals and families in securing a financial safeguard. Specific services handled include term life and whole life insurance, designed to meet different budget and planning requirements.

AM
53 Soledad Dr
AAA Monterey Branch
Life Insurance Agent · Monterey, CA

AAA Monterey Branch provides life insurance services to individuals and businesses in Monterey, California, helping clients secure financial protection for their families and enterprises. The agency assists with policy selection, application processing, and annual coverage reviews to ensure ongoing alignment with clients’ changing needs. It also offers periodic financial assessments to adjust policy terms as necessary. These services support single-family homes, apartment complexes, retail stores, and restaurants in managing their long-term security and estate planning goals.

FI
404 W Franklin St Ste 102
Farmers Insurance - Jessica Connally
Life Insurance Agent · Monterey, CA

Homeowners, businesses, and property managers in Monterey, CA, turn to Farmers Insurance - Jessica Connally for life insurance coverage that protects their financial future. The agency offers term and whole life policies designed to help families and business owners manage risk and provide for their beneficiaries after a loss. Clients receive personalized guidance on choosing appropriate policy amounts and riders to match their specific needs. This agency also serves the neighboring communities of Seaside and Marina.

NH
591 Hartnell St
Natalie Hungerford: Allstate Insurance
Life Insurance Agent · Monterey, CA

Natalie Hungerford: Allstate Insurance serves Monterey and the surrounding communities on the Monterey Peninsula, handling life insurance policies for local residents. The agency helps individuals and families secure financial protection through term and whole life coverage. It works with clients to understand their long-term needs and selects appropriate policy options from its carrier's portfolio. For a typical job, the agent meets with the client to review personal circumstances and financial goals before presenting suitable plans and guiding them through the application process.

CT
201 Calle Del Oaks Ste A
Christopher Thom: Allstate Insurance
Life Insurance Agent · Monterey, CA

Life insurance typically involves a choice between a one-time term policy, which provides coverage for a set period, and a recurring whole life option that builds cash value over time. Christopher Thom: Allstate Insurance, located in Monterey, CA, assists local clients in evaluating these differences to select the appropriate protection. The agent helps determine necessary coverage amounts to safeguard families or businesses against financial loss. This service operates on an as-needed basis, scheduled for initial consultations and annual policy reviews.

CI
1 Lower Ragsdale Dr
Capital Insurance Group
Life Insurance Agent · Monterey, CA

Serving Monterey, Capital Insurance Group specializes in life insurance coverage and offers a full range of associated policies for individuals and families. It works with clients to design plans that provide financial protection and address long-term security objectives. For those in the region, the agency helps navigate the important decisions around estate planning and income replacement. As the seasons change, many local residents rely on the company’s guidance to review coverage ahead of life transitions such as retirement or the birth of a child.

CS
2250 N Fremont St
Cowell & Smith Insurance Agency
Life Insurance Agent · Monterey, CA

As the winter rains arrive in Monterey, many residents review their plans for protecting their families’ financial security. Cowell & Smith Insurance Agency specializes in life insurance, helping clients navigate term, whole, and universal policies that align with long-term goals. Their agents take time to understand each individual’s current situation and future needs. A free policy review or initial needs assessment begins with a simple phone consultation, followed by a scheduled in-person meeting to evaluate coverage options and begin the application process.

LP
404 W Franklin St
Laurrie Pike Insurance Agency
Life Insurance Agent · Monterey, CA

Laurrie Pike Insurance Agency in Monterey, California helps clients understand and select life insurance coverage that aligns with their long-term financial planning goals. As a dedicated life insurance agent, the company also specializes in providing additional policy riders that address specific coverage needs. The agency serves individuals and business owners seeking income replacement, debt protection, and wealth transfer strategies. Commercial operations including local offices, warehouses, and food service establishments can benefit from tailored group life insurance options to support their employees and business continuity.

RM
2115 N Fremont St
Ray Martin - State Farm Insurance Agent
Life Insurance Agent · Monterey, CA

Ray Martin with State Farm Insurance provides life insurance agent services to residential clients in Monterey, offering policies to help individuals protect their families financially. Commercial coverage is also available, serving local businesses within the surrounding area. The office assists customers with term and whole life options, tailoring plans to specific needs. All service is delivered during regular business hours, and clients can schedule conversations to review their policies or adjust coverage as their circumstances change. Follow-up is standard between regular visits to ensure clients remain adequately covered.

FP
482 Alvarado St
Finch and Pirkle Insurance
Life Insurance Agent · Monterey, CA
FI
1193 10th St
Farmers Insurance - Anthony Parker
Life Insurance Agent · Monterey, CA
(831) 648-7090
agents.farmers.com/ca/monterey/anthony-parker
HI
401 Fremont St Unit 100
HUB International
Life Insurance Agent · Monterey, CA
(831) 373-4925
hubinternational.com/offices/us/california/monterey
WG
400 Camino Aguajito # 200
Willow Glen Insurance
Life Insurance Agent · Monterey, CA
(831) 655-1200
willowgleninsurancemonterey.com
VI
9 Soledad Dr
Vogelpohl Insurance Services
Life Insurance Agent · Monterey, CA
(831) 277-0914
vogelpohlinsurance.com/contact_us
NY
400 Camino Aguajito Suite 209
New York Life Insurance Company
Life Insurance Agent · Monterey, CA
(831) 250-7597
newyorklife.com/agent/davists
AL
591 Hartnell St
Allstate Life Insurance Specialist: Madhur M. Devi
Life Insurance Agent · Monterey, CA
(831) 402-5714
agents.allstate.com/madhur-m-devi-monterey-ca.html
PL
9699 Blue Larkspur Ln STE 101
Pacific Legacy Insurance Services Inc
Life Insurance Agent · Monterey, CA
(831) 626-4561
pacificlegacyinsurance.com
MB
311 Vía Gayuba
Monterey Bay Insurance Services Inc
Life Insurance Agent · Monterey, CA
(831) 649-6941

What Does a a Life Insurance Agent in Monterey Cost?

Life insurance costs in California vary by age health and coverage amount. A healthy 35 year old might pay 25 to 50 dollars per month for a 500000 dollar term life policy. Whole life policies can cost 200 to 500 dollars per month for the same coverage. Costs also depend on the insurer and any riders added. This is general information not insurance advice.

About life insurance agents in Monterey

Life insurance agents in Monterey California help residents choose policies that protect their families and meet state requirements. California law mandates that agents hold a valid license from the California Department of Insurance and follow strict disclosure rules. Local agents understand the unique needs of Monterey County including coastal property values and the local economy.

Frequently Asked Questions

What license does a life insurance agent need in California?

A life insurance agent in California must hold a valid life-only license or a life and disability license from the California Department of Insurance. Agents must complete pre-licensing education and pass a state exam. They must also renew their license every two years and complete continuing education.

How long does it take to get a life insurance policy in Monterey?

The process usually takes from a few days to several weeks depending on the policy type and your health. Term life policies with no medical exam can be issued in days. Fully underwritten policies require a medical exam and can take 4 to 8 weeks.

What types of life insurance are available in California?

California agents offer term life whole life universal life and variable life insurance. Term life provides coverage for a set period like 10 20 or 30 years. Whole life and universal life offer permanent coverage with a cash value component.

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.