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HomeFinal Expense Insurance AgentsCalifornia › Rancho Santa Margarita

Find Final Expense Insurance Agents Near You in Rancho Santa Margarita, CA

Browse final expense insurance agents serving Rancho Santa Margarita, California. Updated 2026-07-14.

The top-rated final expense insurance agent in Rancho Santa Margarita, California is Lori Garabedian - State Farm Insurance Agent, rated 5.0 stars across 120 reviews. Other highly rated options include David C. Duncan Insurance Services, Inc., Farmers Insurance - Jerry Farcone, Rick Sicro - State Farm Insurance Agent. This directory lists 18 final expense insurance agents serving Rancho Santa Margarita.

Showing 18 final expense insurance agents in Rancho Santa Margarita, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Lori Garabedian - State Farm Insurance Agent30052 Aventura # C(949) 858-4400
2David C. Duncan Insurance Services, Inc.30376 Esperanza Suite 200(949) 836-8116
3Farmers Insurance - Jerry Farcone30201 Aventura Ste 201(949) 709-7860
4Rick Sicro - State Farm Insurance Agent22362 Gilberto Ste 240(949) 240-9300
5Mashco Insurance Solutions Inc31 La Cascada(949) 838-4233
6Adam Bays - State Farm Insurance Agent22521 Avenida Empresa Ste 105(949) 305-8432
7George Menclewicz: Allstate Insurance22342 Avenida Empresa Ste 130(949) 459-2795
8Pension Professional Inc30212 Tomas Ste 275(949) 362-3650
9Shorr Agency Inc30211 Avenida de las Banderas(888) 737-6200
10Julie's Insurance Services30211 Avenida de las Banderas # 200(949) 979-6771
LG
30052 Aventura # C
Lori Garabedian - State Farm Insurance Agent
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Lori Garabedian - State Farm Insurance Agent serves families throughout the Orange County region, especially those in and near Rancho Santa Margarita, by helping clients plan for end-of-life expenses. The agency guides individuals through the process of selecting final expense policies that cover funeral costs, outstanding medical bills, and other debts after a loved one passes. This service is designed to relieve surviving family members from financial burdens during a difficult time. Lori Garabedian’s office frequently assists clients with burial insurance policies and life insurance for seniors.

DC
30376 Esperanza Suite 200
David C. Duncan Insurance Services, Inc.
Final Expense Insurance Agent · Rancho Santa Margarita, CA

David C. Duncan Insurance Services, Inc. provides final expense insurance services in the Rancho Santa Margarita area. The company helps families plan for end-of-life costs, offering policies designed to cover funeral expenses and related financial obligations. Its service approach focuses on assisting clients in understanding available coverage options through clear explanations and personal guidance. David C. Duncan Insurance Services, Inc. works with individuals seeking to manage their final financial responsibilities, serving clients from single-family homes, apartments, retail establishments, and restaurants.

FI
30201 Aventura Ste 201
Farmers Insurance - Jerry Farcone
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Farmers Insurance - Jerry Farcone serves Rancho Santa Margarita homeowners and families who need guidance with final expense insurance, helping them plan for end-of-life costs to relieve financial burdens on loved ones. The agency assists clients in understanding coverage options that protect savings from funeral and medical expenses after passing. This service also extends to residents in the neighboring community of Mission Viejo, providing assistance with similar final expense planning needs in the area.

RS
22362 Gilberto Ste 240
Rick Sicro - State Farm Insurance Agent
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Serving Rancho Santa Margarita and the surrounding Orange County communities, Rick Sicro - State Farm Insurance Agent handles final expense insurance, which helps cover end-of-life costs like funeral services and outstanding medical bills. This type of policy is designed to provide financial support for families during a difficult time without placing a burden on loved ones. To handle a typical job, the agent first discusses the client’s specific needs and budget, then presents simplified policy options with fixed premiums guaranteed to remain stable.

MI
31 La Cascada
Mashco Insurance Solutions Inc
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Mashco Insurance Solutions Inc, located in Rancho Santa Margarita, CA, distinguishes between a single, immediate final expense policy purchase and a recurring review of coverage to adjust for changing needs or premiums. The agent assists clients in securing a burial insurance plan that covers end-of-life costs, such as funeral services and outstanding medical bills. This local agency offers its final expense insurance agent services on an as-needed basis, scheduled by the client when a policy inquiry or update is desired.

AB
22521 Avenida Empresa Ste 105
Adam Bays - State Farm Insurance Agent
Final Expense Insurance Agent · Rancho Santa Margarita, CA

As Rancho Santa Margarita families consider how to ease the end-of-life financial burden for their loved ones, securing final expense coverage becomes a practical necessity. Adam Bays - State Farm Insurance Agent helps local residents review policies designed to cover funeral costs and outstanding debts. The agency focuses on understanding each client’s unique situation during the initial consultation. A typical process begins with a straightforward review, followed by scheduling a low-pressure inspection or needs assessment to confirm the appropriate coverage options.

GM
22342 Avenida Empresa Ste 130
George Menclewicz: Allstate Insurance
Final Expense Insurance Agent · Rancho Santa Margarita, CA

George Menclewicz: Allstate Insurance in Rancho Santa Margarita, CA, offers final expense insurance, a specialized policy covering burial and funeral costs. Its general service work includes helping clients select appropriate coverage amounts and navigate policy applications. The agency focuses on providing clear, straightforward information about these life insurance products. During the holiday season, it can assist families in addressing end-of-life planning needs before gathering for Thanksgiving or winter celebrations.

PP
30212 Tomas Ste 275
Pension Professional Inc
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Pension Professional Inc provides financial guidance to clients in Rancho Santa Margarita, California. As a final expense insurance agent, the company specializes in helping individuals arrange coverage for end-of-life costs. Their work typically involves explaining policy options and benefit structures to local residents. The firm can serve commercial sectors such as small offices, storage warehouses, and food service establishments.

SA
30211 Avenida de las Banderas
Shorr Agency Inc
Final Expense Insurance Agent · Rancho Santa Margarita, CA

Shorr Agency Inc in Rancho Santa Margarita, CA is known for helping clients navigate final expense insurance to cover end-of-life costs. Its service range includes policy consultations to determine appropriate coverage amounts and premium options for families in Orange County. The agency focuses on simplifying the application process for seniors and their beneficiaries. It offers a specialty service add-on for burial plot or funeral service expense planning.

JS
30211 Avenida de las Banderas # 200
Julie's Insurance Services
Final Expense Insurance Agent · Rancho Santa Margarita, CA
FI
30211 Avenida de las Banderas # 200
Farmers Insurance - Renee Connell
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(949) 888-6610
agents.farmers.com/ca/rancho-santa-margarita/renee-connell
FI
30162 Tomas Ste 205
Farmers Insurance - Cameron Watson
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(800) 922-6526
agents.farmers.com/ca/rancho-santa-margarita/cameron-watson
RI
22342 Avenida Empresa Ste 130
RSM INSURANCE & FINANCIAL SERVICES
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(877) 459-2795
PR
30211 Avenida de las Banderas #200
Phillip Robinson Insurance Agency, Inc.
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(949) 525-8072
FI
30021 Tomas
Farmers Insurance
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(949) 581-4466
farmers.com
RI
31441 Santa Margarita Pkwy
Rischel Insurance Services
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(949) 589-8763
OI
22431 Antonio Pkwy
Ostlund Insurance
Final Expense Insurance Agent · Rancho Santa Margarita, CA
(949) 888-4444
TO
22342 Avenida Empresa #255
totalinsuranceaccess
Final Expense Insurance Agent · Rancho Santa Margarita, CA
+234 714 990 4362
totalinsuranceaccess.com

What Does a 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.

About final expense insurance agents in Rancho Santa Margarita

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.

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.

Final Expense Insurance Agents in Other California Cities

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