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Best Life Insurance Companies in Milpitas

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Beacon Ridge Health Insurance Services, Inc. logo
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License Verified:

License: 0C24312

California Department of Insurance

Beacon Ridge Health Insurance Services, Inc.

3676 Woodley Drive, San Jose, CA 95148
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  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

Beacon Ridge Health Insurance Services, Inc., is a company that offers term life insurance plans in Milpitas. Its team of agents assists individuals, self-employed professionals, and small businesses by helping them choose the right coverage for their protection and financial requirements. In addition, health, dental, accident, Medicare, critical illness, and cancer insurance policies are also available. Beacon Ridge Health Insurance Services is committed to delivering a straightforward approach to address every client's insurance needs.

License Verified:

License: 0C24312

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
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
Brian Moos logo
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License Verified:

License: 0482318

California Department of Insurance

Brian Moos

39159 Paseo Padre Parkway, Fremont, CA 94538
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  • Life Insurance
  • Health Insurance

Business Description

Brian Moos provides life insurance solutions to individuals and families in Milpitas and the surrounding areas. With nearly five decades of industry experience, he assists clients in finding life insurance coverage that matches their specific needs and premium budget. He is a chartered life underwriter and a life underwriter training council fellow. In addition, he has received multiple accolades as an insurance agent for State Farm such as Silver Scroll Qualifier, Bronze Tablet Qualifier, and Ambassadors for Life Qualifier.

License Verified:

License: 0482318

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
David Souza logo
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License Verified:

License: 0485031

California Department of Insurance

David Souza

101 Serra Way, Milpitas, CA 95035
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  • Life Insurance

Business Description

David Souza is an agent with Farmers Insurance who has over four decades of experience in the business. He assists individuals and families in Milpitas with obtaining life insurance and reviewing their policies to suit their changing needs. The life insurance options include term, universal, and whole life policies. Additionally, David and his staff offer claim services and financial planning. They also provide advice on other insurance products, such as recreational, travel, umbrella, auto, and customizable home insurance packages.

License Verified:

License: 0485031

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)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Judy Ngo logo
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License Verified:

License: 0B68339

California Department of Insurance

Judy Ngo

1525 McCarthy Boulevard, Milpitas, CA 95035
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  • Life Insurance

Business Description

Judy Ngo is an insurance agent of New York Life Insurance Company who caters to clients in the Milpitas area. To offer a personalized plan, Ngo performs an assessment according to a client's goal and financial status. She customizes plans and identifies the insurance and other financial products applicable. Additionally, she consults with a client's tax, financial, and legal advisors. Aside from life insurance, Ngo also handles long-term care insurance as well as retirement income.

License Verified:

License: 0B68339

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 (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
Kevin Nuss logo
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License Verified:

License: 0C40400

California Department of Insurance

Kevin Nuss

39500 Stevenson Place, Fremont, CA 94539
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Kevin Nuss is a second-generation State Farm insurance agent servicing communities in Milpitas. Associated with State Farm since 1987, he offers to assist clients in their insurance coverages, including life insurance, auto insurance, homeowners insurance, and business insurance. The Kevin Nuss State Farm office help families and business owners get the appropriate insurance coverage for their specific needs, offering all the State Farm product lines. Kevin also assists clients in planning relocations to the bay area.

License Verified:

License: 0C40400

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
Google
4.2 / 5 (5)
Yelp
4.0 / 5 (5)
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
Khalsa Insurance Agency logo
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License Verified:

License: 0F89805

California Department of Insurance

Khalsa Insurance Agency

3750 McKee Road, San Jose, CA 95127
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  • Life Insurance
  • Health Insurance

Business Description

Khalsa Insurance Agency has been helping families, businesses, and individuals in the community of Milpitas and its surrounding areas since 1992. The company offers a wide range of insurance products, including earthquake, life, flood, and health insurance. It also represents several selected providers such as Aetna Life Insurance Company, Word & Brown Company, and United Healthcare. Its team assists clients in identifying their needs while creating a customized plan. In addition, Khalsa Insurance Agency provides workers' compensation, bonds, and specialty insurance.

License Verified:

License: 0F89805

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 (95)

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
––
KIS Insurance Services logo
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License Verified:

License: 0G19775

California Department of Insurance

KIS Insurance Services

1225 West San Carlos Street, San Jose, CA 95126
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  • Life Insurance

Business Description

KIS Insurance Services is an independent life insurance agency providing services to clients in Milpitas. These include final expense insurance products covering the cost of funeral and burial services. It also offers fixed annuities that help clients in their long-term financial strategies and retirement plans. Additionally, its team members cater to individuals needing term, universal, and whole life insurance policies. Mortgage protection insurance is also available to help beneficiaries pay off the debt of their deceased loved ones.

License Verified:

License: 0G19775

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
5.0 / 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
Multichoice Insurance Services logo
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License Verified:

License: 0G33251

California Department of Insurance

Multichoice Insurance Services

39510 Paseo Padre Parkway, Fremont, CA 94538
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  • Life Insurance
  • Health Insurance

Business Description

Founded in 2006, Multichoice Insurance Services evaluates the insurance coverage needs of individuals and families in Milpitas. The service provider scans the marketplace on behalf of its customers and gives a range of premiums available. The agents at this firm handle term and universal life insurance programs. Aside from offering life insurance, the company also has years of experience processing other insurance products covering rental cars, travel, and medical. Multichoice Insurance Services is committed to providing plans that secure its clients' future.

License Verified:

License: 0G33251

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.
4.1
Yelp
4.0 / 5 (13)
Google
4.0 / 5 (12)
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
Nature Insurance Agency Services logo
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License Verified:

License: 0I36095

California Department of Insurance

Nature Insurance Agency Services

2162 Ringwood Avenue, San Jose, CA 95131
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  • Life Insurance
  • Health Insurance

Business Description

Nature Insurance Agency Services provides individuals and businesses with insurance policies to clients in the Milpitas metro and neighboring communities. It delivers life insurance policies, including whole life coverage and temporary coverage. It offers health insurance solutions such as individual medical and dental coverage, pension plans, and disability insurance. The agency provides commercial clients options for employee benefits that incorporate payroll, life insurance, and long-term care plans. It also handles fidelity bonds, inland marine insurance, and business interruption insurance.

License Verified:

License: 0I36095

California Department of Insurance

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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.

Who should buy supplemental health insurance?

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.

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