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Best Life Insurance Companies in San Jose

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A New World of Opportunity Team logo
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A New World of Opportunity Team

1982 Senter Rd, San Jose, CA 95112
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Business Description

A New World of Opportunity Team is an independent life insurance agency in San Jose associated with the World Financial Group Inc. Its agents offer an array of services, such as comparing the life insurance policies of multiple carriers, providing clients with impartial advice, and helping individuals enroll in health plans through California Covered. The agency also specializes in arranging insurance policies for commercial clients, drivers, and homeowners throughout the Bay Area.

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
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Detail
Angela Frangieh logo
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License Verified:

License: 0I36162

California Department of Insurance

Angela Frangieh

1465 Park Avenue, San Jose, CA 95126
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  • Life Insurance
  • Health Insurance
  • Personal Insurance
  • Home and Auto Insurance

Business Description

Angela Frangieh runs an agency through State Farm. She caters to individuals, families, and businesses in San Jose and the surrounding communities. Her line of products includes term, whole, and universal life insurance policies, which can pay for college, debts, and mortgages. Frangieh also provides property, pet, home, health, and auto insurance plans. Her agency has been a qualifier for various State Farm awards, including Ambassador Travel and Lifetime President’s Club. Her team includes Spanish-speaking members, allowing it to serve a broader range of clients.

License Verified:

License: 0I36162

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 (205)
Google
5.0 / 5 (123)

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
Angela Frangieh logo
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License Verified:

License: 0G28719

California Department of Insurance

Angela Frangieh

120 Campbell Avenue, Campbell, CA 95008
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  • Life Insurance
  • Health Insurance

Business Description

Angela Frangieh is an insurance agent that works for individuals in the San Jose area. She offers life, homeowner's, renter's, and health insurance. She also handles business, property, auto, and pet insurances. Her team addresses client concerns in English, Spanish, Armenian, Farsi, Assyrian, and Arabic. Along with her team, Angela sets on giving inclusive insurance plans, ensuring clients that their respective capacities and circumstances are considered. Angela Frangieh has been providing insurance assistance for over 10 years.

License Verified:

License: 0G28719

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 (55)
Be Well Insurance Solutions logo
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Be Well Insurance Solutions

1092 Scott Blvd, Santa Clara, CA 95050
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Business Description

Be Well Insurance Solutions is a full-service health insurance agency serving San Jose and the neighboring cities. It specializes in individual health insurance, group health insurance, and Medicare plans. The agency has built relationships with carriers who specialize in health care policies, such as Blue Shield, Kaiser, and Health Net. Its agents are free to objectively compare rival policies, provide impartial advice, and support clients in disputes with their insurance carriers.

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

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
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buyhealthinsurance logo
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buyhealthinsurance

2066 N Capitol Ave Ste 1049, San Jose, CA 95132
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Business Description

Buy Health Insurance is a California-based online agency specializing in simplifying the purchase and maintenance of health insurance. It trains its licensed agents to deal with every aspect of the process, from comparing the products of multiple specialist carriers, such as Blue Shield and United Healthcare, to checking if the client is eligible for savings and support in their state. The agency claims to be able to find the right policies, with the right health care providers, within 15 minutes.

Cal-Valley Insurance Services logo
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License Verified:

License: 0733383

California Department of Insurance

Cal-Valley Insurance Services

San Jose, CA
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  • Life Insurance

Business Description

Cal-Valley Insurance Services is an independent insurance provider serving individuals and families in San Jose and the surrounding communities. Established in 1984, the company helps clients obtain life insurance policies that will keep them financially supported even during unpredictable life events. Insurance types offered include term, universal, and whole life insurance, which all vary in terms of period, flexibility, and limits. Cal-Valley Insurance Services also provides other personal insurance plans for cars, homes, and valuable possessions.

License Verified:

License: 0733383

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 (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
Clinton Davis Financial Services, Inc. logo
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Clinton Davis Financial Services, Inc.

305 Soquel Ave Ste B, Santa Cruz, CA 95062
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Business Description

Clinton Davis Financial Services Inc. is an insurance agency serving the San Jose metro area. The agency specializes in tailoring life insurance products offered by Guardian, one of the nation's largest carriers. These products cover every aspect of life insurance, such as term life, which ranges from 10 to 30 years, whole life, which protects the client from risk throughout their life, and mortgage protection, which covers payments while the client is unable to work.

DCD Financial & Insurance Services logo
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DCD Financial & Insurance Services

1123 Soquel Ave Box 4209, Santa Cruz, CA 95062
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Business Description

DCD Financial & Insurance Services is an independent agency that's serviced the Bay Area since 1938. It offers a full suite of insurance services, which includes arranging life and health policies for individuals and their families. Its agents objectively compare the policies of multiple carriers, provide unbiased advice to clients, and ensure they fully understand their level of coverage. The company also specializes in insurance for boat owners, drivers, and businesses.

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
Don Williams & Associates logo
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License Verified:

License: 0338880

California Department of Insurance

Don Williams & Associates

17510 Farley Road West, Los Gatos, CA 95030
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Don Williams & Associates is a family-owned and family-operated life insurance company serving San Jose and its surrounding areas since 1961. It offers an extensive array of personal insurance services that cover vehicles, homeowners, life, travel, and specialty dwelling options. It also has business insurance services including professional liability, workers compensation, contractors, builders risk, and business property insurance. Don Williams & Associates partners with mortgage brokers and Realtors who function as part of the company's in-house team.

License Verified:

License: 0338880

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.
4.2
Yelp
4.0 / 5 (10)
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
Gene Morgan Insurance Agency logo
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License Verified:

License: 0B29378

California Department of Insurance

Gene Morgan Insurance Agency

2020 Fourth Street, Livermore, CA 94550
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  • Life Insurance

Business Description

Gene Morgan Insurance Agency is a family-owned and family-operated independent agency providing its services to clients in San Jose. It offers two types of life insurance, which are term life insurance and universal life insurance. Both types of life insurance aim to protect the client's family in the event of death by paying off debt and paying for their children's education. Gene Morgan founded the agency in 1953. The ownership has since passed down to his son and granddaughter, Mike and Michelle.

License Verified:

License: 0B29378

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
Google
4.0 / 5 (13)
Facebook
4.3 / 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
High Tech Insurance Solutions logo
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High Tech Insurance Solutions

1669 Flanigan Dr, San Jose, CA 95121
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Business Description

High Tech Insurance Solutions is an independent health insurance company in San Jose, with additional offices in Fremont, enabling its agents to serve clients throughout the Bay Area. Its health insurance clients are typically individuals looking for plans that will cover basic-to-complex medical treatments and businesses who want to offer their employees health insurance that is either partly, fully, or personally funded. Additionally, the agency can arrange life, home, auto, and farm insurance for individuals.

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
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
Let's Insure logo
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License Verified:

License: 0E00902

California Department of Insurance

Let's Insure

1900 Camden Ave. Suite 204, San Jose, CA 95124
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  • Life Insurance

Business Description

Let's Insure is an independent insurance agency that serves both residential and commercial clients from San Jose and the surrounding areas. It provides two types of term life insurance plans, annual renewable term and level premium term insurance. It also offers various permanent life insurance plans, including whole life, variable life, variable universal, and universal life insurance. Other types of insurance that the company provides include auto, home, and pet insurance. Let's Insure has been in operation for more than two decades.

License Verified:

License: 0E00902

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 (42)
Facebook
4.8 / 5 (25)
Google
4.8 / 5 (18)

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
––
Melin Insurance Services logo
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Melin Insurance Services

2598 Mabury Sq, San Jose, CA 95133
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Business Description

Melin Insurance Services is an independent life insurance agency in San Jose. Its agents are free to compare the policies of many leading carriers, such as Nationwide and Allianz, provide clients with objective advice, and support them in disputes with their insurance providers. The agency also specializes in arranging disability and long-term care policies and designing group health plans for small-to-midsize businesses throughout the Bay Area. Additionally, the agency finds the best policies for drivers and homeowners.

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

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 logo
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Nature Insurance

2162 Ringwood Ave, San Jose, CA 95131
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Business Description

Nature Insurance Agency Services is a family-owned agency serving the Bay Area and DFW, Texas. Its independent agents offer objective advice on many types of life insurance and annuities provided by leading carriers. The agents talk clients through the pros and cons of each policy and advise on the best types, such as term life for people who want to pay off their mortgages and whole life for those leaving financial legacies for loved ones.

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
Noyce Insurance logo
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Noyce Insurance

15466 Los Gatos Blvd Ste 203, Los Gatos, CA 95032
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Business Description

Noyce Insurance is an independent insurance agency providing a full portfolio of services to the residents and businesses of San Jose and the entire Bay Area. Its life and health insurance products are suitable for individuals looking to manage various types of risk, and businesses who want group products that benefit their employees. Policies include whole life and term life, mortgage protection, disability, Medicare supplements, and long-term care. The agency also offers business interruption and company liability 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
One Point Business & Insurance Services logo
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One Point Business & Insurance Services

950 S Bascom Ave Ste 2118, San Jose, CA 95128
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Business Description

Founded more than two decades ago, One Point Business & Insurance Services is a health insurance company in San Jose, and Castle Rock, Colorado. The agency focuses exclusively on small-to-midsize businesses in all sectors. Its services include designing group health plans that enable businesses to offer their employees an array of health insurance options. The agency conducts client account reviews every quarter to ensure businesses continue to have the best policies for their 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
Facebook
4.5 / 5 (20)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Satwant Singh Insurance Services logo
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Satwant Singh Insurance Services

2774 Aborn Rd, San Jose, CA 95121
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Business Description

Satwant Singh Insurance Services is a well-established agency serving the Bay Area. Its licensed agents offer impartial advice and objectively compare policies from multiple carriers for their clients, such as term life for people who want to pay off a debt in a specified period and whole life for those who want coverage throughout their years. The agency also specializes in auto and home insurance and various business-related insurance 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.
4.6
Yelp
4.5 / 5 (20)
Google
4.5 / 5 (16)
Facebook
5.0 / 5 (9)

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
––
Shepherd & Associates Insurance Services, Inc. logo
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License Verified:

License: 0B45304

California Department of Insurance

Shepherd & Associates Insurance Services, Inc.

2055 Junction Avenue, San Jose, CA 95131
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  • Life Insurance

Business Description

Shepherd & Associates Insurance Services, Inc. is an independent agency that provides insurance solutions for the public sector, nonprofit organizations, and businesses in San Jose and nearby areas. Its founder and treasurer Ron Shepherd started the business in 1994, specializing in program implementation, development, and management. Shepherd & Associates Insurance Services has access to over 100 insurance carriers and delivers personalized life insurance plans for every client. Additionally, other personal policies available are personal umbrella, homeowners', auto, and renters' coverage.

License Verified:

License: 0B45304

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 (3)
Facebook
5.0 / 5 (2)
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
Silicon Valley Financial Group logo
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Silicon Valley Financial Group

950 S Bascom Ave Ste 2112, San Jose, CA 95128
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Business Description

Silicon Valley Financial Group is a family-owned life insurance company in San Jose, founded in 1953 to help individuals plan for their financial futures and protect their estates for descendants. The agency has experience in many forms of insurance, from arranging individual life plans and policies that cover disability and long-term care to designing group health products and a wide range of retirement plans. It can also help to arrange college funding and profit-sharing 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.
5.0
Google
5.0 / 5 (2)
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
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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