Expertise.com

Best Life Insurance Companies in Concord

2024

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Providers

Last updated:

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

Why choose this provider?

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

Website
1470 Civic Court, Concord, CA 94520
  • Life Insurance

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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

Frequently Asked Questions

  • What can you do if you have a pre-existing condition and have difficulty obtaining life insurance in Concord?

    One thing you can do is work with an impaired-risk specialist in Concord. These specialists are independent insurance agents or brokers with relevant experience and access to multiple insurers and underwriting sources. Another option is to obtain guaranteed-issue life insurance, which enables you to avoid medical tests or health questions. However, this insurance comes with a two- or three-year waiting period and is more expensive than other types.

  • If you are looking for a new insurance agent in Concord to replace your life insurance policy, what should you watch out for?

    Watch out for agents in Concord who recommend using the cash value of your current life insurance to fund the replacement one. In addition, be wary of insurance agents who advise you not to speak with your current insurance company regarding replacing your policy. Some things to be cautious of are agents who ask you to sign blank or incomplete forms and badmouth other agents or companies.

  • In Concord, can you get living benefits from life insurance?

    Yes. Some life insurance policies in Concord include living benefits as a standard feature or an add-on. An example of a living benefit is the cash value component of permanent life insurance, which you can withdraw at a specified time. There is also an insurance policy that covers long-term or short-term care. In addition, a rider for terminal illness can be obtained as an add-on to help cover medical costs and care once the insured is diagnosed.

  • Are taxes included in the life insurance premiums you pay in Concord?

    Not really. Life insurance premiums you pay in Concord are not subject to sales tax. Still, the state will tax insurance companies for the premiums collected. Another thing to consider is that your life insurance premiums cannot be considered deductible on your federal tax return because the IRS does not classify these premiums as personal expenses.

  • Can you convert coverage from group insurance to permanent insurance in Concord?

    Yes. California laws provide the option to convert employer-based coverage from group insurance to permanent insurance when the coverage is terminated. Be informed that you will pay more for this converted policy. If your employer has allowed insurance agents to visit your Concord office and offer products, these products are not the same as group insurance. Before you purchase anything from these agents, check thoroughly the products offered to you.

  • 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.

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