Expertise.com
2024

Last updated:

Best Life Insurance Companies in Hayward

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hayward Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

7018

Reviewed

4214

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3026 Ascot Drive, San Ramon, CA 94583
  • Life Insurance

Why choose this provider?

Nickovich Insurance Services Inc. is a comprehensive insurance agency serving Hayward and the neighboring areas. It works with individuals and business owners and provides life insurance products, health plans, long-term care policies, and disability insurance. The agency also offers prepaid legal programs and integrated payroll services. As an independent agency with four decades of experience, Nickovich Insurance Services has access to insurance products from multiple carriers such as Aetna, Mutual of Omaha, Humana, MetLife, and UnitedHealthcare.

License Verified:

License: 0M26649

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
Facebook
5.0 / 5 (2)
Yelp
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
300 North San Mateo Drive, San Mateo, CA 94401
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

James K. Mason Insurance has been providing life insurance services to Hayward since 1997. It offers individual life insurance services to help beneficiaries receive savings, inheritance, income, and donations after the death of their loved ones. It also gives clients several life insurance options, such as whole life, variable universal, and universal life. James K. Mason Insurance is being run by Jim Mason and his son, Jimmy. Working in the Bay Area since the 1980s, they have over 45 years of combined experience in writing insurance.

License Verified:

License: 0H58302

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 (3)
Google
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
2877 Grove Way, Castro Valley, CA 94546
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ernie Lopez is a life insurance agent who serves clients from Hayward and nearby areas. Lopez offers a wide range of life insurance options including whole, term, and universal. He also handles insurance plans for cars, homeowners, renters, pets, hospital income, and Medicare Supplements. Lopez has been working as an agent for State Farm Insurance since 1984. To give back to the community, he regularly volunteers for local organizations such as the American Cancer Society.

License Verified:

License: 0666714

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.
4.0
Google
4.0 / 5 (33)
Yelp
4.0 / 5 (15)
Facebook
5.0 / 5 (2)

Website
25175 Santa Clara Street, Hayward, CA 94544
  • Life Insurance
  • Health Insurance

Why choose this provider?

Jeff Sinfuego is a State Farm insurance agent working in Hayward. He offers clients a wide array of insurance products, ranging from life and health insurance to pet and home insurance. His life insurance policies includes term, universal, and whole-life coverage plans. In addition, he can handle insurance relocation services, banking, annuities, and mutual funds. Jeff Sinfuego has over 10 years of experience in the insurance industry. He is also a President's Club and Chairman's Club qualifier.

License Verified:

License: 0E96172

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.
4.3
Yelp
4.0 / 5 (45)
Facebook
5.0 / 5 (39)
Google
4.0 / 5 (27)

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
6937 Village Parkway, Dublin, CA 94568
  • Life Insurance
  • Health Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Darci Gutierrez Insurance Services assists individuals, families, and small employer groups from Hayward and its surrounding areas. It offers health, dental, vision, and life insurance programs. The agency also caters to clients seeking Obamacare offerings. Its life insurance plans are categorized into permanent and term, with the latter encouraged for individuals with student loans. With over 20 years of experience in insurance, its owner Darci Gutierrez strives to give the most appropriate solutions to her clients through consultations and updates.

License Verified:

License: 0D61937

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 (24)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14620 East 14th Street, San Leandro, CA 94578
  • Life Insurance
  • Health Insurance

Why choose this provider?

Rynda's #1 Insurance Services, Inc. is an insurance company located in San Leandro and Sacramento. It serves individuals and businesses in Hayward and the surrounding communities, providing clients a comprehensive selection of insurance products. The agency offers term life insurance, whole life insurance, annuities, and mortgage life insurance plans. In addition, it also provides individual and group health insurance products, dental insurance, and long-term care insurance. Property insurance plans are also available at the company.

License Verified:

License: 0F13005

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.
4.5
Google
4.5 / 5 (23)

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
460 Bryant Street, San Francisco, CA 94107
  • Life Insurance

Why choose this provider?

Ethos is an insurance company that serves California metros like Hayward. It offers term life insurance policies that can either be simplified issues or fully underwritten. Meanwhile, its whole life insurance plans include graded death, accidental death, and double death benefits. The company also renders same-day coverages, and its policy application process is done online. Moreover, Ethos works with insurance companies like AAA Life, Ameritas Life Insurance Corp., and Legal & General America. It was founded by Peter Colis and Lingke Wang in 2016.

License Verified:

License: 0L28949

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.
4.0
Google
4.0 / 5 (263)

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
2570 San Ramon Valley Boulevard, San Ramon, CA 94583
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Joanne Bryant is a financial and insurance agent who serves the Hayward area. An affiliate of State Farm, Joanne works with individuals and families to help them manage risks, such as auto accidents and the death of loved ones. She educates her clients about the differences between term and permanent life insurance, allowing them to make informed decisions. A San Ramon resident since 1975, Joanne is a member of the American Society for the Prevention of Cruelty to Animals.

License Verified:

License: 0G21907

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.
4.0
Facebook
4.0 / 5 (433)
Google
4.1 / 5 (8)

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
1900 South Norfolk Street, San Mateo, CA 94403
  • Health Insurance

Why choose this provider?

Supplement Savings Insurance Solutions is an independent insurance agency owned and founded by Daniela Farina. It serves clients around the Hayward area and its surrounding communities, and mainly focuses on providing a wide array of health care insurance services. The agency helps clients with finding and securing policies that fit their needs, including advantage plans, supplement insurance plans, prescription plans, and dental and vision plans. Additionally, clients may also book virtual appointments through the company's website.

License Verified:

License: 0L10419

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 (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
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Frequently Asked Questions

  • Who should you consider as a beneficiary for your Hayward life insurance policy?

    Consider beneficiaries who depend on you financially, such as a spouse or children, as primary beneficiaries. Secondary beneficiaries can be named in case of simultaneous passing. If you have minor children, designate a trustee. Specify conditions for asset distribution, like graduation or debt payment. Think about family heirlooms or donations to Hayward charities. Review and update beneficiaries regularly, as life changes can necessitate adjustments.

  • What are the consequences of hiding a pre-existing condition during the life insurance application process in Hayward?

    Hiding a pre-existing condition during the Hayward life insurance application process can have serious consequences. Even if it goes undetected during underwriting, it could cause problems when your beneficiary files a death benefit claim. If the insurance company discovers dishonesty, it has the authority to investigate and reject the claim, potentially leaving your beneficiary without coverage.

  • Is it possible to save money on life insurance in Hayward?

    Yes, you can save money on life insurance in Hayward by purchasing the appropriate amount of coverage, paying annual premiums rather than monthly payments to avoid service fees, and comparing offers from various providers. Term life insurance is frequently less expensive than whole life insurance, and determining your actual coverage needs prevents overpaying. Shopping around allows you to find the best deal among various insurance providers, ultimately lowering the cost of life insurance.

  • What benefits do whole or permanent life insurance policies have in Hayward?

    When you buy full or permanent insurance in Hayward, the death benefit and premium are often guaranteed to stay the same for the life of the policy. Like a savings account, these plans let you build up cash value that can be taken out or used to get a loan.

  • Is it possible to buy life insurance on your business partner in Hayward?

    Yes, you can purchase life insurance on your business partner, which is typically facilitated through buy-sell agreements. These agreements spell out what will happen if one of the partners dies. Partners purchase life insurance policies on each other, and in the event of one partner's death, the policy's death benefit is used to purchase the deceased partner's share of the business from their heirs or beneficiaries. This ensures a smooth ownership transition and financial stability for the Hayward business.

  • 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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