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Best Life Insurance Companies in Concord

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2023
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Chelsea Brackett logo
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License Verified:

License: 0L25126

California Department of Insurance

Chelsea Brackett

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2261 Morello Avenue, Pleasant Hill, CA 94523
  • Life Insurance
  • Health Insurance

Business Description

Chelsea Brackett is a State Farm insurance agent based in Pleasant Hills who provides service in Concord and the surrounding areas. A State Farm agent since 2011, she offers assistance with life insurance, including short and long-term, instant, joint, paid-up, and single payment life insurance. She also assists with health insurance, such as short and long-term protection insurance, supplemental medical insurance, and supplemental programs. Chelsea is a member of the Pleasant Hill and Contra Costa Chambers of Commerce and the Diablo View Rotary Club of Walnut Creek.

License Verified:

License: 0L25126

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)
Yelp
5.0 / 5 (9)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Cj Insurance Services logo
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License Verified:

License: 0I22518

California Department of Insurance

Cj Insurance Services

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231 Springs Road, Vallejo, CA 94590
  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

CJ Insurance Services is an independent insurance agency serving customers in Concord and the surrounding areas. It was established in 2002 and strives to offer both personal and commercial insurance products with a personal touch. The insurance products the company offers include life, automobile, health, and homeowners. Policies that cover earthquakes and floods are also available. Carriers that CJ Insurance Services work with include BlueShield, Kaiser Permanent, Anthem, and Philadelphia Insurance Companies.

License Verified:

License: 0I22518

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gabriel Insurance logo
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License Verified:

License: 0E50747

California Department of Insurance

Gabriel Insurance

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1470 Civic Court, Concord, CA 94520
  • Life Insurance

Business Description

Gabriel Insurance provides life insurance products to the benefits programs of companies and their employees in Concord. The products it offers include life/AD&D insurance, permanent life, supplemental life, and voluntary life. Clients can also benefit from its innovative programs, compliance support, and employee benefits consultation and education. The firm has already served 278 employers and helped companies save around 1,935,000 dollars every year. Its CEO, Joshua Hupp, has worked in the benefits industry for more than 15 years.

License Verified:

License: 0E50747

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
James Holmquist Insurance Agency logo

License Verified:

License: 0B23260

California Department of Insurance

James Holmquist Insurance Agency

4001 Browning Drive, Concord, CA 94518
  • Life Insurance

Business Description

James Holmquist Insurance Agency is a Concord-based firm founded by James Holmquist in 2013 after serving as a life and health insurance agent since 1990. The agency crafts insurance products like life, supplemental health, and Medicare Supplement plans. It also offers final expense and cancer diagnosis insurance. In addition, the firm works in partnership with insurance carriers like TransAmerica, Mutual of Omaha, and United American Insurance Company to provide alternatives to policy buyers when it comes to insurance plans.

License Verified:

License: 0B23260

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)
Jared Burns-Coffin logo
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License Verified:

License: 0I00785

California Department of Insurance

Jared Burns-Coffin

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2151 Salvio Street, Concord, CA 94520
  • Life Insurance
  • Health Insurance

Business Description

Jared Burns-Coffin is a State Farm insurance agent serving clients in the Concord area. He provides life and health insurance options as well as Medicare supplements. He offers risk management solutions for personal articles and properties such as collectibles, jewelry, automobiles, and real estate. Business owner's policy, workers' compensation, and commercial auto policies are also available. Jared and his team likewise assist with financial services related to annuities, banking, and mutual funds. They can communicate through English, Spanish, and Russian.

License Verified:

License: 0I00785

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (12)
Yelp
4.0 / 5 (9)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oscar Peccorini logo

License Verified:

License: 0E04516

California Department of Insurance

Oscar Peccorini

325 Town Centre Terrace, Brentwood, CA 94513
  • Life Insurance

Business Description

Oscar Peccorini is an American National insurance agent that serves the insurance needs of Concord and other surrounding areas. He provides a wide range of insurance options and assists his clients in selecting the best coverage that suits their financial goals. The life insurance products that he offers include whole life, term life, universal life, indexed universal life, and guaranteed universal life. He helps homeowners find the best policy that covers the house as well as personal possessions.

License Verified:

License: 0E04516

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.3 / 5 (93)
Yelp
4.8 / 5 (74)
Google
3.9 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RCFischer & Co logo

RCFischer & Co

1301 Ygnacio Valley Road, Walnut Creek, CA 94598
  • Life Insurance

Business Description

RCFischer & Co. has been providing personal and commercial insurance products to individuals, homeowners, and business managers since 1939. Serving Concord and its surrounding communities, the agency provides various forms of life insurance policies, as well as other personal insurance lines, such as recreational and umbrella insurance. It also features commercial insurance options, including surety bonds, general liability, workers' compensation, and management liability. Moreover, RCFischer & Co. is experienced in serving different industries, such as construction, distributors, manufacturers, and real estate.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (10)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.