Life Insurance Companies in California
All ten insurers we currently list offer coverage to California residents under their usual company names. Pacific Life’s main administrative office is in Newport Beach.
The California Department of Insurance (CDI) takes consumer questions and complaints through its hotline and online forms. To find a lost policy, CDI points families to the free NAIC Life Insurance Policy Locator. California’s guarantee association pays 80% of covered benefits, up to dollar caps, if an insurer fails. Buyers aged 60 and older get a longer free-look period than other buyers.
Guaranty association limits apply only if an insurer becomes insolvent. They are set by state law and can change; check the association's website for current figures.Life insurance companies serving California
Insurer Company issuing policies in California Customer service Claims Guardian Life The Guardian Life Insurance Company of America 1-888-482-7342 1-866-452-4542 John Hancock John Hancock Life Insurance Company (U.S.A.) 1-800-732-5543 1-888-887-2739 Lincoln Financial The Lincoln National Life Insurance Company 1-800-487-1485 1-800-487-1485 MassMutual Massachusetts Mutual Life Insurance Company 1-800-272-2216 1-800-272-2216 New York Life New York Life Insurance Company 1-800-225-5695 1-800-225-5695 Northwestern Mutual The Northwestern Mutual Life Insurance Company 1-866-950-4644 1-800-635-8855 Pacific Life Pacific Life Insurance Company 1-800-347-7787 via customer service Prudential Financial Pruco Life Insurance Company 1-800-778-2255 via customer service State Farm State Farm Life Insurance Company 1-800-782-8332 1-877-292-0398 Transamerica Transamerica Life Insurance Company 1-800-851-9777 via customer service
California regulator and consumer protection
Insurance regulator California Department of Insurance (CDI) Consumer hotline 1-800-927-4357 File a complaint Complaint page Find a lost policy NAIC Life Insurance Policy Locator Guaranty association California Life & Health Insurance Guarantee Association Death benefit protection 80% of the death benefit, up to $300,000 Cash value protection 80% of the policy value, up to $100,000 Annuity protection 80% of the present value, up to $250,000 Overall cap $300,000 per individual for life and annuity coverage combined Free-look period (life) 10–30 days; at least 30 days for owners age 60 and older
Life insurers headquartered in California
