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Best Life Insurance Companies in Oakland

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Ambrose Financial & Insurance Services, LLC logo
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Ambrose Financial & Insurance Services, LLC

972 Autumn Oak Cir Ste 100, Concord, CA 94521
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Business Description

Ambrose Financial and Insurance Services LLC is focused on helping older adults transition into retirement. This health and life insurance company serves clients within the Oakland metropolitan area and offers assistance with Medicare and health insurance planning, as well as life insurance. It helps its clients access all types of benefits, including medical, dental, vision, and prescription drug coverage. In addition to health and life insurance, its team works with clients to manage wealth and investments.

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)
Calender Robinson Insurance logo
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License Verified:

License: 0267063

California Department of Insurance

Calender Robinson Insurance

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

Business Description

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
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Detail
Carman & Fairbanks Insurance Services Inc logo
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License Verified:

License: 0C77825

California Department of Insurance

Carman & Fairbanks Insurance Services Inc

12006 Broadway Ter, Oakland, CA 94611
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  • Life Insurance

Business Description

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
CJB Insurance Services, Inc. logo
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License Verified:

License: 0D28718

California Department of Insurance

CJB Insurance Services, Inc.

Berkeley, CA
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  • Life Insurance

Business Description

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
Yelp
5.0 / 5 (13)
Colleen Callahan Insurance Services logo
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Colleen Callahan Insurance Services

101 Gregory Ln Ste 32, Pleasant Hill, CA 94523
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Business Description

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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Council Financial & Insurance Services logo
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License Verified:

License: 0M93305

California Department of Insurance

Council Financial & Insurance Services

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

Business Description

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
Dawn Fairbanks Insurance Services, Inc. logo
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Dawn Fairbanks Insurance Services, Inc.

12006 Broadway Ter, Oakland, CA 94611
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Business Description

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
Kelly Lux logo
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License Verified:

License: 0L64463

California Department of Insurance

Kelly Lux

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

Business Description

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
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
KR Benefits logo
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KR Benefits

1470 Civic Ct Ste 350, Concord, CA 94520
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Business Description

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

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
Larry Fu Insurance Agency logo
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Larry Fu Insurance Agency

1801 Grand St, Alameda, CA 94501
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Business Description

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

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
M.A. Hays Co. logo
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License Verified:

License: 0675383

California Department of Insurance

M.A. Hays Co.

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

Business Description

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.
4.5
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
MassMutual Northern California logo
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MassMutual Northern California

3003 Oak Rd Ste 250, Walnut Creek, CA 94597
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Business Description

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.
4.6
Facebook
5.0 / 5 (5)
Michael C Clark logo
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License Verified:

License: 0561404

California Department of Insurance

Michael C Clark

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

Business Description

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

Paragon Financial Planning logo
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Paragon Financial Planning

550 Park Street, Alameda, CA 94501
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Business Description

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
Peña's Notary, Tax & Financial Services logo
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Peña's Notary, Tax & Financial Services

828 San Pablo Ave Ste 220B, Albany, CA 94706
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Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RWM Insurance logo
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RWM Insurance

2 Bates Blvd, Orinda, CA 94563
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Business Description

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
Stephanie Canessa logo
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License Verified:

License: 0C25369

California Department of Insurance

Stephanie Canessa

6228 Merced Avenue, Oakland, CA 94611
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  • Life Insurance
  • Health Insurance

Business Description

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 (51)
Google
5.0 / 5 (12)
Facebook
4.3 / 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
Back to Providers

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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