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Best Life Insurance Companies in Livermore

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2023
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American Income Life: AO logo
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License Verified:

License: 0L54317

California Department of Insurance

American Income Life: AO

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2150 Trade Zone Boulevard, San Jose, CA 95131

Business Description

Founded in 1982, American Income Life: AO is an insurance company that's been helping Livermore clients in applying to secure a policy. It serves clients looking for life, accident, and supplemental health insurance plans. It also assists clients in deciding on a plan between whole life or term life insurance coverage to meet their needs. Its mother company, Globe Life, has been in the industry since 1951, serving families, credit or labor unions, and associations. It has 4.3 million policyholders and $86 billion of insurance in force.

License Verified:

License: 0L54317

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
Google
4.9 / 5 (251)

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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Ashish Dhawan logo
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License Verified:

License: 0F91589

California Department of Insurance

Ashish Dhawan

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325 South I Street, Livermore, CA 94550
  • Life Insurance
  • Health Insurance

Business Description

Ashish Dhawan is an insurance agent with more than 13 years of experience serving Livermore clients. He and his team from State Farm offer term, whole, and universal life insurance coverage options to individuals who want to secure their future. Policies are also available for small businesses, including business continuation, key employees, employee benefits, or key employee incentives. With 30 years of combined experience, the team also specializes in pet, health, and auto insurance. Services are available in English and Hindi.

License Verified:

License: 0F91589

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)
Yelp
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
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Cathy Pasut logo
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License Verified:

License: 0D34755

California Department of Insurance

Cathy Pasut

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1643 First Street, Livermore, CA 94550
  • Life Insurance
  • Health Insurance

Business Description

Cathy Pasut is a Livermore-based insurance agent specializing in various life insurance products. These include whole life insurance that helps clients prepare for their families' future income and expenses. She also assists individuals seeking temporary benefits and coverage by offering term life insurance plans. In addition, Pasut handles universal life, health, and disability insurance products. She has been representing State Farm since 2001 and is licensed to operate in Oregon, California, and Nevada. She also speaks English and Spanish languages.

License Verified:

License: 0D34755

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.
4.4
Yelp
4.0 / 5 (8)
Google
5.0 / 5 (3)
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
Gene Morgan Insurance Agency logo
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License Verified:

License: 0M28209

California Department of Insurance

Gene Morgan Insurance Agency

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2020 Fourth Street, Livermore, CA 94550
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Term Life Insurance

Business Description

Gene Morgan Insurance Agency is a family-owned insurance agency that has been serving the residents of Livermore for more than 65 years. It offers term life and universal life insurance, long-term care plans, dental insurance, and vision policies. It also provides disability coverage, Medicare plans, and individual and family health insurance. Owner Mike Morgan has served the Livermore Rotary and Livermore Granada Boosters. Gene Morgan Insurance Agency services English-speaking and Spanish-speaking clients.

License Verified:

License: 0M28209

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.
4.8
Yelp
5.0 / 5 (86)
Google
4.0 / 5 (13)
Facebook
4.0 / 5 (6)

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
Insight Wealth Strategies, LLC logo

License Verified:

License: 0D45501

California Department of Insurance

Insight Wealth Strategies, LLC

5000 Executive Parkway, San Ramon, CA 94583
  • Life Insurance

Business Description

Insight Wealth Strategies, LLC, is a financial planning company with offices in several areas, including Livermore. It matches clients with a financial advisor to help them find a life insurance policy that suits their situation and secures their family. To achieve financial goals, they can also get assistance in other areas, such as long-term care, college funding, tax reduction strategies, and wealth and risk management. Operating since 2002, Insight Wealth Strategies has also been guiding clients in the achievement of their retirement goals.

License Verified:

License: 0D45501

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 (17)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Renee Huber logo
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License Verified:

License: 0G86164

California Department of Insurance

Renee Huber

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312 Saint Mary Street, Pleasanton, CA 94566
  • Life Insurance

Business Description

Serving Livermore, Renee Huber is an insurance and financial agent providing a variety of insurance products to clients in the metro and the surrounding areas. She offers service options such as life, health, and pet insurance. Renee also provides insurance solutions for autos, homes, property, and businesses. Other product options include banking services and mutual funds. Renee Huber leads a team of professionals through the business Renee Huber - State Farm Insurance

License Verified:

License: 0G86164

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
Google
4.9 / 5 (14)
Yelp
4.0 / 5 (13)
Facebook
5.0 / 5 (9)

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
Resource Insurance Services logo
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License Verified:

License: 0A93582

California Department of Insurance

Resource Insurance Services

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5850 Gloria Way, Livermore, CA 94550
  • Life Insurance
  • Health Insurance

Business Description

Resource Insurance Services has over two decades of experience serving individuals and companies in Livermore with life insurance solutions. It offers annuities, long-term care insurance, and disability insurance. It also provides other financial products, including college and retirement plans. Its supplemental employee benefits packages cover health, dental, vision, and voluntary programs. Moreover, Resource Insurance Services has financial calculators for life insurance and retirement savings. It has access to several carriers, such as Cigna, Health Net, Western Health Advantage, and Kaiser Permanente.

License Verified:

License: 0A93582

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 (6)

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.