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Best Life Insurance Companies in Richmond

2024

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Providers

Last updated:

Website
13925 San Pablo Avenue, San Pablo, CA 94806
  • Life Insurance

Why choose this provider?

Haro Insurance Services is an independent agency serving the Richmond metro. It accommodates individuals and families that need assistance in purchasing life insurance plans. Additionally, the company's insurance specialists offer other plans such as homeowners', renters', special event, farm, and travelers' insurance. They also create coverages for general contractors, property managers, tree trimmers, and tattoo artists. Haro Insurance Services has been in the business since 2008. Owner Mario Haro brings over 20 years of experience in the insurance industry.

License Verified:

License: 0D49240

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 (3)
Google
5.0 / 5 (2)
Yelp
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
PO Box 585, Mill Valley, CA 94942
  • Term Life Insurance

Why choose this provider?

Marindependent Insurance Services LLC is a boutique independent life insurance agency serving Richmond and its surrounding areas since 2010. Founder and principal broker agent Scott Johnson has been in the insurance business for more than 25 years. His primary insurance service is term life insurance which carries no residual cash value from holding the policy. Other insurance services that the company offers include homeowners and small business insurance, umbrella, auto, and secondary or non-admitted insurance.

License Verified:

License: 0H11625

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 (11)

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
2161 San Pablo Avenue, Pinole, CA 94564
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Trans Bay Insurance is a family-run business that serves Richmond and the surrounding areas. It helps clients secure themselves and their families through a term life insurance policy with coverage options of 10, 15, 20, and 30 years. Clients may also opt to enroll in a whole life or permanent life insurance plan. Homeowners and auto insurance are among the other products offered under personal lines. Some of the insurance companies the firm represents are Travelers, Mercury Insurance, and Progressive.

License Verified:

License: 0I88680

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
76 Belvedere Street, San Rafael, CA 94901
  • Life Insurance

Why choose this provider?

Lemus Insurance Agency is an independent insurance agency that serves clients in Richmond. The brokerage works with different insurance companies, like Kemper, Safeco, and Infinity Insurance, to give individuals and businesses options that meet their needs. It offers an array of personal and commercial lines insurance coverage, including life insurance, auto insurance, and professional liability. Additionally, it provides DMV and tax services. Its founder, David Lemus, has been in the industry for more than 30 years. His staff is are fluent in Spanish.

License Verified:

License: 0C04855

California Department of Insurance

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
One Harbor Drive, Sausalito, CA 94965
  • Life Insurance
  • Individual Plans
  • Long Term Care

Why choose this provider?

David Rovero is the president of Muzio & Rovero Insurance Services, Inc. The fourth-generation family-owned insurance agency offers a range of risk management solutions, including life insurance, auto insurance, home insurance, and farm insurance. Additionally, it provides cyber liability insurance coverage and customized insurance policies for businesses and specific industries. Established in the 1920s, the agency partners with multiple insurance providers, such as Hagerty, GeoVera, and Nationwide Mutual Insurance Company, to give clients in Richmond options that suit their needs.

License Verified:

License: 0643719

California Department of Insurance

Website
600 San Pablo Avenue, Albany, CA 94706
  • Life Insurance

Why choose this provider?

Ruben Leon Insurance Agency provides insurance solutions to individuals, families, and businesses. Based in Albany, the company serves clients throughout Richmond and the surrounding areas. It offers various types of life insurance, including term life insurance policies and whole life insurance plans. In addition, the company provides health insurance, long-term care insurance, disability insurance, and Medicare plans. The company's team guides clients in choosing policies that suit their insurance needs and financial goals.

License Verified:

License: 0E71214

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 (11)

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
1508 San Pablo Avenue, Pinole, CA 94564
  • Health Insurance

Why choose this provider?

Kendall Financial Services offers life insurance assistance in Richmond. The company was founded in 1988 by Monica Shaw, who leads the team to this day. Shaw is also the founder and president of Blue Rose Association for Independent Living, an organization that supports people with developmental disabilities. In addition to life insurance services, the company assists clients in other areas such as group health insurance services, bookkeeping and payroll services, and tax services.

License Verified:

License: 0D71046

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
Facebook
4.0 / 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

Website
3260 Blume Drive, Richmond, CA 94806
  • Life Insurance

Why choose this provider?

Fleming's affecting U Insurance Services provides Richmond residents with life coverage plans that cover living costs, mortgages, and college tuitions. It also provides customized products for individuals looking for homeowners' insurance. It is affiliated with Finished In 52 Insurance School in order to provide pre-licensing training for future agents. Terrell Fleming has more than 20 years of experience in the industry and worked for a Fortune 500 company in 2004.

License Verified:

License: 0D42329

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 (4)
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

Website
12976 San Pablo Avenue, Richmond, CA 94805
  • Life Insurance
  • Health Insurance

Why choose this provider?

Locally operated Unicom Insurance & Financial Services is an independent insurance agency that provides life insurance in Richmond and the surrounding areas. Its life insurance product line includes long-term care, long-term disability, and short-term disability insurance. The firm also offers commercial property, recreational vehicle, and health insurance. With more than 28 years of experience, Unicom Insurance & Financial Services represents a wide array of insurance providers, including California Fair Plan, Hanover Insurance Group, and American General Life. The agency offers services in English and Spanish.

License Verified:

License: 0M66105

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 (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

Website
1299 4th Street, San Rafael, CA 94901
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Gainer Financial & Insurance Services, Inc., offers term, universal, and whole life insurance solutions in Richmond. Its team finds coverage for its clients that aligns with their current and future financial goals. In addition, it has access to over 40 insurance carriers and handles other services, such as investment and financial planning. The founder, Roger Gainer, began his career in 1984 and worked in different capacities, including commodity broker and investment advisor. He is a Retirement Income Certified Professional and Chartered Financial Consultant.

License Verified:

License: 0E77978

California Department of Insurance

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
77 Mark Drive, San Rafael, CA 94903
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bracken Insurance Agency is an independent insurance agency that has been serving clients in Richmond since 1968. The family-owned and family-operated business offers an array of risk management solutions, including life insurance, health and dental insurance, and homeowners insurance. It also provides commercial general liability, workers' compensation, and bonds. Additionally, the agency provides coverage for special events, including AA meetings, weddings, concerts, golf events, and camps. Bracken Insurance Agency partners with different insurance providers to give clients options that suit their needs.

License Verified:

License: 0578883

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

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
503 Commodore Drive, Richmond, CA 94804
  • Life Insurance
  • Long Term Care

Why choose this provider?

Sarah Fisher is an insurance agent serving Richmond and nearby communities. She specializes in life insurance and long-term care insurance solutions, providing professional advice to individuals and families. She simplifies the process for her clients, helping them understand different coverages and analyzing their unique needs to find the most suitable life insurance policies and premiums. Her clients commend her for providing guidance throughout the entire process, her knack for consistent communication, and her efficiency in handling the insurance application and approval process.

License Verified:

License: 0H32023

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

Website
1001 Bridgeway, Sausalito, CA 94965
  • Life Insurance

Why choose this provider?

Bryson Insurance Agency is a team of professionals led by Jo Bryson. As a mother, she understands that taking control of one’s assets now to prepare for the future is important. In the spirit of service, she has taken on a brokerage career that offers life insurance policies in Richmond. She also covers auto, homeowners', renters', and health insurance products. Her team has English and Spanish speakers to cater to a variety of clients. Jo also participates in her community's educational and outdoor activities groups.

License Verified:

License: 0D31595

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

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
1333 North California Boulevard, Walnut Creek, CA 94596
  • Life Insurance

Why choose this provider?

Guardian is an insurance company that caters to individuals in the Richmond area. The firm provides life insurance policies to clients who are interested in protecting their families' future. It also offers a variety of options such as dental, vision, accident, and cancer insurance to customers who are concerned about their health. Guardian has been in the industry for over 160 years and is still committed to securing and improving the lives of people. In addition, it advocates for inclusion and diversity.

License Verified:

License: 0B74206

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
790 Mission Avenue, San Rafael, CA 94901
  • Life Insurance

Why choose this provider?

Robert C Placak & Associates Insurance Services is a firm of employee benefits specialists serving Richmond and surrounding areas. For over three decades, the firm has been working with employees and small to large employer groups in developing various benefits programs such as life insurance, AD&D, insured or self-funded health plans, and dental and vision plans. In addition to benefits programs development services, it also provides consulting services, human resources tools, custom communication materials, and strategic planning services.

License Verified:

License: 0684782

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
4.3 / 5 (6)

Website
2 Fifer Avenue, Corte Madera, CA 94925
  • Life Insurance
  • Health Insurance

Why choose this provider?

Boro Insurance Agency is an independent insurance agency that serves clients in Richmond. It offers an array of insurance programs, including life insurance, group and family health insurance, and Medicare, as well as travel insurance. Additionally, it provides disability insurance and insurance for seniors. The Corte Madera-based agency is led by Jeanie Boro, who worked as a relationship manager at FICO for almost 10 years. Outside the office, she volunteers for organizations, such as the Juvenile Diabetes Foundation and the American Cancer Society.

License Verified:

License: 0H47212

California Department of Insurance

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
110 East Blithedale Avenue, Mill Valley, CA 94941
  • Life Insurance

Why choose this provider?

Founded in 1986, Greg Norris Insurance Agency, Inc., is an insurance agency that has served the insurance needs of families and businesses in Richmond and the surrounding communities. It has specialized in custom insurance packages for over 750 condominium and homeowners’ associations for the last 25 years. Additionally, it carries life insurance plans like level term life insurance, decreasing term life insurance, and whole life insurance. Greg Norris, the owner of the agency, has handled policies for various condominium and condominium associations.

License Verified:

License: 0K21142

California Department of Insurance

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
––

Frequently Asked Questions

  • Can you have multiple life insurance policies in Richmond?

    Yes, you can have multiple life insurance policies in Richmond. However, the total coverage you can obtain is limited by your financial situation, including income and assets. Typically, the coverage relative to your income varies by age and among various insurers. As a general guideline, your coverage usually falls within 15 to 30 times your annual income, depending on your age.

  • Is there a waiting period before a life insurance policy takes effect in Richmond?

    The waiting period before a life insurance policy becomes active in Richmond can differ based on the policy type, but it generally spans 30 to 90 days. During this timeframe, you will not be eligible to submit claims or receive benefits. It's crucial to thoroughly review your policy to understand the waiting period conditions.

  • What preexisting conditions prohibit you from getting a life insurance policy in Richmond?

    Certain health conditions can make the process of applying for life insurance more challenging or costly, and these include, but are not limited to, anxiety and depression, asthma, diabetes, heart disease, HIV, and cancer. It's important to note that while these conditions may affect eligibility and premium rates, they do not necessarily prohibit individuals in Richmond from obtaining life insurance.

  • Can creditors access the proceeds of a life insurance policy in Richmond?

    No, creditors in Richmond cannot access the proceeds of your life insurance policy unless you designate your estate as the beneficiary. However, if you name individuals or entities other than your estate as beneficiaries, such as family members or friends, the death benefit will be directed to them upon your passing. In this case, creditors do not have access to the funds.

  • Do you need to undergo a medical examination to obtain life insurance in Richmond?

    You can obtain life insurance in Richmond without a medical exam through two common policy types: simplified issue and guaranteed issue. Simplified issue policies require completing a detailed health questionnaire, providing access to medical records, and disclosing medical and family history. Guaranteed issue life insurance does not involve a medical exam and typically requires minimal health-related questions. This option is particularly suitable if you have pre-existing conditions or face affordability issues with traditional or simplified issue policies.

  • 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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