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Best Life Insurance Companies in Hayward

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Daniela Farina Supplement Savings Insurance Solutions logo

Daniela Farina Supplement Savings Insurance Solutions

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

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.

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Darci Gutierrez Insurance Services logo

Darci Gutierrez Insurance Services

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

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.

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Ernie Lopez logo

Ernie Lopez

2877 Grove Way, Castro Valley, CA 94546
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  • Life Insurance
  • Health Insurance

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.

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Ethos logo

Ethos

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

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.

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James K. Mason Insurance logo

James K. Mason Insurance

300 North San Mateo Drive, San Mateo, CA 94401
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

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.

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Jeff Sinfuego logo

Jeff Sinfuego

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

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.

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Joanne Bryant logo

Joanne Bryant

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

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.

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Nickovich Insurance Services Inc. logo

Nickovich Insurance Services Inc.

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

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.

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Rynda's #1 Insurance Services, Inc. logo

Rynda's #1 Insurance Services, Inc.

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

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.

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Frequently Asked Questions

Q: Who should buy supplemental health insurance?

A: Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Q: Can I buy health insurance anytime?

A: 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.

Q: Can I buy health insurance that is not Obamacare?

A: 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.

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