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Individual Life Insurance in Chico CA & Oroville CA

Reassurance for you and your Loved Ones.

Dahlmeier Insurance Agency, Inc. provides life insurance to individuals in Chico, Oroville, Paradise, Durham, Gridley, Orland, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Dahlmeier Insurance Agency, Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Dahlmeier Insurance Agency, Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Dahlmeier Insurance Agency, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Dahlmeier Insurance Agency, Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Chico Office

1368 Longfellow Avenue

Chico, CA 95926

Main office: 530-433-0587
Toll free: 800-700-3424
Fax: 530-342-6424

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Oroville Office

2080 Myers Street

Oroville, CA 95966

Main office: 530-322-5898
Toll free: 800-700-3424
Fax: 530-533-8354

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

I have been doing business with Dahlmeier Insurance for many years now and find them always responsive, Pam , my agent is the best ,she will get back to me right away and always makes sure my problem is solved. I have at least six policies with them . If you are looking for a good company to work with this is it.
Judy Roux, Loomis, CA
Every year, I comparison-shop and, in the 10 years I've been with Dahlmeier, I've never found better coverage at a lower price. More importantly, customer service is far superior to any other company - period. Robert is a phenomenal agent and immediately handles my requests every time.
Josh Trout, Professor, CSU Chico
As owner of a fast paced Advertising Agency, I truly appreciate the prompt and excellent service Dahlmeier Insurance has provided for my business, as well as, my family's insurance needs. I've trusted them to watch out for our best interest for more than a decade. They are true insurance professionals.
Bob Condos, President, Impact Media Group, Inc.
As an owner of multiple income properties here in Northern California, for years I had dealt with a patchwork of different insurance companies. About three years ago I challenged each of my agents to provide an estimate for bundling all of my insurance needs, including my homeowner's and auto policies. Pam Hester at Dahlmeier Insurance Agency gave me a quote through Grange Insurance that was lower by far than the others, resulting in savings of several hundred dollars per year. But it’s more than saving money. The insurance side of my business has been simplified, and I enjoy the personal, friendly service I receive whenever I decide to drop by in person, whether it's to ask a question, request a document, or make a payment. Thanks Pam, and thanks to Dahlmeier Insurance.
Don Noble, Oroville, CA
We have used Dahlmeier Insurance Services for both personal and business purposes for more than ten years. We appreciate the fact that our agent, Robert Cyr, always responds to our email or phone calls and then follows through with our needs. It is because of this personalized service that we use Dahlmeier Insurance.
Dave Purvis, PL Robert Darrow
Always reminding us in advance of our upcoming renewals, always searching for the best coverage and price to meet our changing needs, always courteous, prompt and understanding of our urgent requests. Thank you Dahlmeier Insurance. You make our work much easier.
Sharon Quinn, Duerr Evaluation Resources
I have trusted my insurance needs to Dahlmeier Insurance Agency for many years now. My agent Ruben Crespo and the experienced Dahlmeier Insurance team have provided me with friendly knowledgeable service that I know I can count on. They continue to earn my business by helping to keep my premium costs down. Dahlmeier Insurance has been in business for 65 years, and I have come to rely on their expertise for both my business and personal insurance needs and I would recommend anybody to them.
William (Bill) Thornton, Chico, CA
Western Weather Group is very pleased with the friendly and professional services we have received from Dahlmeier Insurance Agency. Requests for Certificates of Insurance are handled very promptly and all of our questions receive swift attention. It is convenient to have all of our business insurance needs from auto to general liability met by one company which has many options available to them. Thank you for your personal and outstanding professional service.
Don Schukraft, CEO, Western Weather Group, Inc.
Dahlmeier Insurance has provided us with alternatives to the normal, plain vanilla coverage. They provided us with a fresh set of eyes to look at what we have in terms of coverage, and they tell us what else is out there that may better fit our needs. Specifically Dahlmeier Insurance worked with us to secure a Workers Comp plan that has been a game changer. We had been absorbing 20% increases each year while lowering our accident and claims exposure. Dahlmeier Insurance introduced a program that allowed us to share some risk while lowering our premium. We knew we could control our safety exposure, what we needed was a partner to allow us to prove ourselves. Dahlmeier Insurance to secure us a multi-year contract that has saved us money, and tied OUR safety program to OUR Workers Comp cost.
Mike Barry, Controller, Soper-Wheeler Company LLC