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2024

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Best Life Insurance Companies in San Francisco

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored San Francisco Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

35839

Reviewed

21509

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3320 Market St, San Francisco, CA 94114

Why choose this provider?

TermBusters is a specialist life insurance company in San Francisco. Its agents focus exclusively on serving individuals who only need insurance for a specific period of time, with premiums fixed for an agreed number of years, ranging from five to 30. The company uses the common classification table to assign clients standard to preferred-plus status, which it uses to determine their eligibility for an array of term life insurance policies.

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
201 Spear St Ste 1100, San Francisco, CA 94105

Why choose this provider?

Insurance Center Helpline Inc. is a licensed life insurance company in San Francisco that also specializes in various forms of health insurance, including Medicare plans and critical illness. Its life insurance products cater to individuals who need short-term coverage, such as mortgage protection, and long-term coverage, including whole life policies that can generate income in retirement. Insurance Center Helpline Inc. also customizes policies that provide coverage for travelers and pets.

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)
Facebook
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

Website
2145 19th Avenue, San Francisco, CA 94116

Why choose this provider?

O'Kane and Tegay Insurance Brokers is a family-owned and operated agency servicing the San Francisco community. Since 1946, it has been offering a wide range of personal and commercial lines of insurance to protect the assets of individuals and businesses. These insurance policies are available for different types of circumstances, including workers' compensation, auto, aviation, and liquor liability. Its team of professional insurance agents is highly experienced in claims handling, risk assessment, management, and underwriting.

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 (7)
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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
3366 22nd Street, San Francisco, CA 94110

Why choose this provider?

John A. Morton Insurance Agency is a locally owned company that has been delivering custom-fit insurance solutions to individuals, families, and businesses for the last 30 years. Its San Francisco-based insurance agents specialize in business and personal lines of insurance. They write different insurance policies, including business, automobile, homeowners', and worker's compensation. The agency's owner, John Morton, focuses on creating a memorable experience for clients and ensuring that they and their assets are well protected.

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 (72)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7204 Mission St, Daly City, CA 94014

Why choose this provider?

800 Insurance is a financial services agency near San Francisco that serves the Bay Area's residents and businesses. The agency specializes in various types of insurance, including life and health. Its agents are free to compare the policies of multiple carriers and to provide impartial advice on an array of products. They also advise clients on the best forms of life insurance for their circumstances and the health policies that offer the best coverage at the best rates.

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 (10)

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
347 Gellert Blvd Ste M Fl 2, Daly City, CA 94015

Why choose this provider?

American Brokerage Network is an independent company specializing in assisting and training agents who sell life insurance, annuities, and long-term care. The founder and CEO is Cung Thai, who has 38+ years in the industry and is a lifetime member of ToT and MDRT. The company's training services include one-on-one, online webinars, and the provision of multiple sales tools formed from years of experience. The agency also helps agents find the best carriers for their difficult cases.

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
PO Box 460640, San Francisco, CA 94146

Why choose this provider?

California Long Term Care Insurance Services Inc. serves Bay Area residents, providing services that focus exclusively on helping clients get the best long-term care products, life insurance, and annuities from the country's leading carriers. Its agents have more than 65 years of combined experience in this niche market. They also specialize in tailoring critical illness policies that help protect clients should they develop a serious condition sometime in their future.

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.
3.5
Facebook
4.3 / 5 (4)
Yelp
2.5 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
50 Victoria Ave Ste 102, Millbrae, CA 94030

Why choose this provider?

Mary Wong Insurance Services is a life and health insurance provider that serves individuals and families in the San Francisco Bay Area. The agency offers several forms of insurance, such as life, health, college, medicare supplement, disability, and long-term care. It also provides retirement and travel insurance services. Atty. Wong is both a Certified Financial Advisor and a Certified Insurance Agent who can communicate fluently in Mandarin, Cantonese, Taiwanese, and Burmese.

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
Yelp
4.0 / 5 (4)

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
1550 Noriega St Ste 100, San Francisco, CA 94122

Why choose this provider?

Simon Chew CIC is the owner and lead agent with eHealth Plans/Amazing Wealth Agency, an independent agency with four offices serving the entire Bay Area. The company offers various forms of life and health insurance, including Medicare plans, and insurance covering long-term care costs. Mr. Chew is a fluent Mandarin and English speaker, member of MDRT, and the National Association of Health Underwriters. He frequently gives lectures on the benefits of Medicare and Obamacare.

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
4.5 / 5 (39)
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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
––

Website
870 Market Street, San Francisco, CA 94102

Why choose this provider?

Robert E. Kennedy Insurance Agency is a full-service insurance agency established in 1999 committed to providing San Francisco residents high-quality insurance products and exceptional customer service. It covers personal and commercial insurance on motorcycles, automobiles, renters, homeowners, life, disability, health insurance, and more. The agency houses knowledgeable and experienced professionals with over 30 years of combined experience in the industry dedicated to finding solutions for their client's personal and business insurance needs.

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
4.5 / 5 (11)
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
2085 Van Ness Avenue, San Francisco, CA 94109

Why choose this provider?

Express Service Insurance is a San Francisco-based independent insurance brokerage that caters to the insurance needs of individuals, families, and entrepreneurs. The company specializes in personal lines of insurance, including auto, travel trailer, home, business, life, and health. Its agents represent multiple carriers and assist clients in selecting the right policy that suits their needs and financial capacity. They also serve customers throughout the entire state of California with the aim of providing dedicated, comprehensive, and innovative insurance solutions.

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
4.0 / 5 (66)
Google
5.0 / 5 (21)

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
3428 Balboa Street, San Francisco, CA 94121

Why choose this provider?

Serving San Francisco clients, Jessica Liu Insurance Services provides clients with home insurance, health insurance, and auto insurance services. As an independently owned and locally operated company, Jessica Liu Insurance Services can represent a wide array of insurance companies to find the right option for its clients. Jessica Liu, president of the company, started in the insurance industry in 1991. She is a licensed life, health, disability, casualty, and property agent and a member of the Society of Certified Insurance Counselors.

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 (21)
Facebook
5.0 / 5 (4)
Google
3.3 / 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
1492 11th Ave, San Francisco, CA 94122

Why choose this provider?

Founded in 2003, Milber Insurance Agency contracts with virtually all major health insurance carriers in CA, as well as life, dental, vision, and travel insurance carriers. It provides personalized assistance with all clients, helping to shop the market, educate on benefits and provider networks, and navigate Covered California for those that may qualify for subsidies. It also specializes in helping Medicare beneficiaries shop for supplemental products, as well as working with businesses to set up employee benefits portfolios.

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 (108)
Google
4.2 / 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
201 California Street, San Francisco, CA 94111

Why choose this provider?

Founded in 1989, ISU Insurance Services of San Francisco delivers comprehensive risk management solutions to the community. The agency works with more than 300 insurance companies. Among its products are personal insurance, employee benefits, and business insurance. Up to date, the agency has been helping over 80,000 businesses and 3,000,000 families and individuals. ISU Insurance Services is also a member of the Unison Brokers, a global community of independent international specialists from over 20 countries.

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
4.0 / 5 (36)
Facebook
4.6 / 5 (27)
Yelp
4.5 / 5 (8)
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Frequently Asked Questions

  • Is acquiring term life insurance in San Francisco a practical move?

    Yes, purchasing term life insurance in San Francisco is a wise decision for parents with children who will be self-sufficient by the age of 18. For example, parents can buy a 20-year term life insurance policy because their children will have no financial obligations when they reach the legal age.

  • When can policyholders sue life insurance service providers in San Francisco?

    Policyholders in San Francisco have the right to sue life insurance service providers if they delay or deny insurance claims. Claimants can sue if their insurance agent or carrier misinterpreted their insurance applications and canceled the claim retroactively. However, policyholders cannot sue if they committed fraud or their coverage had expired.

  • Is employer-sponsored life insurance in San Francisco enough?

    No, employer-sponsored life insurance in San Francisco is insufficient, especially if you have dependents. Remember that this type of insurance only covers a portion of your financial needs. Once you leave the company, you will no longer be able to obtain this insurance. You should think about getting more life insurance to protect yourself and your family's future.

  • Can you get your life insurance benefits if you recently divorced your spouse in San Francisco?

    Yes, you can collect your life insurance benefits in San Francisco after your divorce. You must work with an attorney to prepare the documents required to evaluate your case. You should bring your life insurance policy, divorce settlement papers and court orders, beneficiary designations, and correspondence with other life insurance beneficiaries.

  • What are the benefits of having universal life insurance in San Francisco?

    In San Francisco, people who buy universal life insurance can get their money back if they no longer need the coverage or if something changes in their lives. It also gives them death benefits that are equal to the face amount of their insurance and the total adjusted premiums they paid.

  • 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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