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Best Life Insurance Companies in Oakland

2023

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Website
425 Market Street, San Francisco, CA 94105
  • Life Insurance

Why choose this provider?

Council Financial & Insurance Services is an insurance company that has been catering to individuals and businesses in Oakland for over 45 years. It offers a wide array of life insurance solutions, including survivorship, term, universal, variable universal, and whole insurance plans. These products include living benefits, such as tax-deferred cash value accumulation. Moreover, Council Financial & Insurance Services also caters to real estate owners and developers by providing estate equalization and planning, ILITs, premium financing, and succession planning.

License Verified:

License: 0M93305

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 (61)

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
Berkeley, CA
  • Life Insurance

Why choose this provider?

CJB Insurance Services, Inc., is a full-service life insurance company that services the Oakland area and its surrounding communities. Founder and owner Carly Ebenstein has more than 20 years of industry experience in assisting individuals to make informed decisions about life insurance and getting one for themselves and their loved ones. CJB Insurance Services assists with level term insurance, universal life insurance, and whole life insurance. The company also offers disability and long-term care insurance options.

License Verified:

License: 0D28718

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 (13)
Yelp
5.0 / 5 (13)

Website
12006 Broadway Ter, Oakland, CA 94611
  • Life Insurance

Why choose this provider?

Carman & Fairbanks Insurance Services Inc is an independent agency serving clients in Oakland. It offers term life insurance policies for individuals and families. Its policies may vary based on age, medical history, lifestyle, and policy term. In addition, it provides risk management options for health, dental, vision, travel, and employee benefits. The company works with a wide range of carriers nationwide, including Kaiser and United HealthCare. It is headed by Dawn Fairbanks, who has been in the insurance industry since 1999.

License Verified:

License: 0C77825

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 (19)
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
1470 Civic Ct Ste 350, Concord, CA 94520

Why choose this provider?

KR Benefits is a health and life insurance agency that serves clients in the Oakland area. The company specializes in employee benefit plans but also offers individual and family plans, as well as a variety of Medicare plans. Working with carriers such as GeoBlue, Western Health, and Blue of California, it provides its clients with a variety of plan options, such as dental, vision, and prescription drug coverage. KR Benefits is a Covered California Certified Insurance Agent.

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 (9)
Facebook
5.0 / 5 (5)

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
12006 Broadway Ter, Oakland, CA 94611

Why choose this provider?

Dawn Fairbanks Insurance Services Inc. is an independent health and life insurance company in Oakland, serving individuals and businesses in the greater Bay Area. It's developed strong links with many of the industry's leading carriers, including Blue Shield and CaliforniaChoice, to offer a wide choice of policies that cover every need, from paying off a mortgage and funding the grandkid's education to meeting Medicare's shortfall and paying for an array of medical treatments.

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

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
233 Sansome Street, San Francisco, CA 94104
  • Life Insurance
  • Health Insurance

Why choose this provider?

Calender Robinson Insurance is a general insurance brokerage that has been providing financial solutions in Oakland and nearby areas since 1954. Its insurance brokers have decades of experience in the industry. These representatives offer life and health insurance plans that are customized to suit the client's situation and individual needs. Their personal and commercial insurance services cover properties, vehicles, liability insurance, workers' compensation, and payroll. Lastly, the family-operated business has contacts with over 100 insurance carriers.

License Verified:

License: 0267063

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
600 Montgomery Street, San Francisco, CA 94111
  • Life Insurance
  • Health Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Michael C. Clark is an insurance professional who helps Oakland residents manage their finances and ensure financial security for their families. Clark assists clients in securing life insurance to pay debts and mortgages, maintain living standards, and ensure resources for final expenses. He also handles permanent insurance optimization to help clients fund their financial goals. Clark is a member of NAIFA and is active in community efforts, such as the John Hampton food pantry initiative for food donations.

License Verified:

License: 0561404

California Department of Insurance

Website
2221 Harbor Bay Parkway, Alameda, CA 94502
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Kelly Lux has been working as a State Farm Insurance agent for 26 years, serving clients in Oakland and the surrounding East Bay Area. She and her team have 170 years of combined experience customizing life insurance plans. Their personalized service also includes assisting clients throughout the process of selecting and purchasing auto, renters, and commercial insurance. In the course of her work, Kelly collaborates with organizations like Friends of the Alameda Animal Shelter and the East Bay Board of Realtors Association.

License Verified:

License: 0L64463

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.
4.9
Google
5.0 / 5 (83)
Yelp
4.5 / 5 (43)
Facebook
5.0 / 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
6228 Merced Avenue, Oakland, CA 94611
  • Life Insurance
  • Health Insurance

Why choose this provider?

Stephanie Canessa is an insurance agent who serves the needs of individuals, families, and businesses in Oakland. She has been in the industry since 1996 and currently represents State Farm. Stephanie offers a wide selection of products, including life, health, home, auto, and business insurance. She takes her time to get to know her clients to identify their goals and find the policies that fit their needs. In her free time, Stephanie volunteers in local food drives.

License Verified:

License: 0C25369

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.
4.9
Yelp
5.0 / 5 (57)
Facebook
4.7 / 5 (21)
Google
5.0 / 5 (17)

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
550 Park Street, Alameda, CA 94501

Why choose this provider?

Paragon Financial Planning is a full-service life insurance agency near Oakland that offers a full suite of financial services to individuals and businesses throughout the Greater Bay Area. The agency offers clients a holistic approach to the wealth management and financial planing experience by providing exceptional service, thoughtful solutions to complex financial issues, and education that empowers. It is an independent boutique and offers a variety of products and solutions from multiple companies to fit each client’s specific needs. Paragon Financial Planning is independent, client-focused, and dedicated to the fiduciary standard that requires a CFP® professional to act in the best interests of clients at all times.

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 (43)
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
828 San Pablo Ave Ste 220B, Albany, CA 94706

Why choose this provider?

Peña's Notary Tax & Financial Services has been serving the Bay Area since 2015. The small agency is independent, which allows it to search the policies of multiple insurance companies to find and compare policies and tailor them to its client's unique circumstances. The agency handles all forms of life insurance, including term, whole, and universal life. Its employees are fluent English and Spanish-speakers, who also specialize in translation services.

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

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2 Bates Blvd, Orinda, CA 94563

Why choose this provider?

Life and Income Replacement Specialists since 1970. RWM Insurance serves the Oakland community and greater Bay Area for all of its Life Insurance and Income Replacement/Disability Insurance needs. As an an Oakland-based independent agency, it works with every insurance carrier, ensuring the lowest rates available. It is licensed to offer advice and tailor policies in 33 states. The agency specializes in life insurance and disability insurance. RWM can scour the policies of most of the nation’s biggest insurance carriers to find a wide choice of policies for its personal and business clients, covering everything from income and mortgage/asset protection and college funding to funeral and end-of-life expenses and developing retirement income.

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)
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Website
101 Gregory Ln Ste 32, Pleasant Hill, CA 94523

Why choose this provider?

Colleen Callahan Insurance Services is an insurance agency that's been serving clients in the Oakland area since 1989. The company offers a broad range of insurance policies, including life, Medicare supplement, medical, dental, and vision insurance. It also provides companies with employee benefit packages. These packages typically contain a combination of medical, dental, vision, life, and disability benefits. Colleen Callahan Insurance Services works with top providers in the industry, including TransAmerica and Genworth.

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.
4.2
Yelp
5.0 / 5 (3)
Facebook
3.0 / 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.
3.0
Responsiveness
Friendliness
Helpfulness
––
Detail

Website
232 Broadway, Richmond, CA 94804
  • Life Insurance
  • Health Insurance

Why choose this provider?

M. A. Hays, Co., has been in the insurance industry since 1912. It crafts personalized insurance plans for its customers, such as life insurance. Moreover, it provides other personal and business insurance policies. These include homeowners', automobile, commercial property, general liability, and pet industry insurance. It also has numerous carriers under its belt, including Safeco Insurance, Allied Insurance, and The Hartford. In addition, its team is available 24/7 to accommodate any concerns or questions from clients.

License Verified:

License: 0675383

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
Yelp
4.0 / 5 (4)
Facebook
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
1801 Grand St, Alameda, CA 94501

Why choose this provider?

The Larry Fu Insurance Agency is a family-owned and operated life insurance company near Oakland, with more than 40 years of experience providing independent services and unbiased advice throughout the Bay Area. Its services include helping low-income clients discover if they're eligible for a tax credit on their health insurance, arranging retirement plans that generate incomes for individuals of all ages, and tailoring term life plans that pay off the client's mortgage.

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 (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
3003 Oak Rd Ste 250, Walnut Creek, CA 94597

Why choose this provider?

MassMutual Northern California is a financial services company licensed to offer advice and support to individuals and businesses in all 50 states, and Washington, D.C. Its agents can arrange all types of life insurance to cover every expected and unexpected need, such as paying off a mortgage within a specified term and financing the costs of a life-changing event. The agency also arranges disability income insurance and long-term care plans.

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
Facebook
4.9 / 5 (27)
Yelp
3.8 / 5 (6)
Google
5.0 / 5 (1)
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Frequently Asked Questions

  • How will a life insurance payout in Oakland affect your child with special needs?

    A life insurance payout in Oakland may have an impact on any current or future public assistance or disability payments made to your special child. If you name your child as the beneficiary of your life insurance policy, their eligibility for public assistance will be jeopardized. Even a life insurance payout of $100,000 could disqualify your child from receiving the government's financial help.

  • Can you still obtain your accumulated cash value if you cancel your cash value life insurance in Oakland?

    Yes, a cash value life insurance plan in Oakland is a type of permanent life insurance in which a portion of your policy earns interest and may be withdrawn or borrowed in an emergency. If you decide to cancel your cash value life insurance policy, the amount received will be deducted from any outstanding debts, interest, and charges.

  • How long does it take in Oakland for a named beneficiary to receive the proceeds of a life insurance claim?

    Depending on the type of policy, it may take three to five days for a named beneficiary to receive a life insurance claim settlement in Oakland. In addition, if there is any doubt about the cause of death or if the insured died during the contestability term of their policy, the payout date may be delayed.

  • How will a life insurance payout in Oakland affect your Social Security benefits?

    It is determined by the reason you are receiving Social Security benefits. A life insurance payout in Oakland will not normally affect your Social Security benefits if you are receiving them as a result of retirement. However, if you have a disability and use the Supplemental Security Income program, life insurance may reduce your Social Security payout.

  • What are the penalties for lying on your Oakland life insurance application?

    Falsifying information on a life insurance application in Oakland is considered insurance fraud, which can result in coverage denial as well as penalties such as fines and jail time. Furthermore, if you apply for coverage again in the future, the Medical Information Bureau may receive a report of your fraud and notify other providers.

  • 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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