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Best Life Insurance Companies in San Leandro

2023

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Website
3940 High Street, Oakland, CA 94619
  • Life Insurance

Why choose this provider?

Fortune Financial Security Group is a life insurance provider that serves San Leandro and other communities near Oakland. It is an independent provider that selects its products from several companies depending on each client's needs and budget. Aside from life insurance policies, the company also offers other coverages like medical insurance, car insurance, disability insurance, and annuities. It also works with clients in estate planning, living trusts, and retirement services. It has been in the industry since 1990.

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 (12)

Website
15200 Hesperian Boulevard, San Leandro, CA 94578
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ed Spijker is a San Leandro-based life insurance agent that has been serving the metro since 1992. Ed Spijker graduated with a business management degree and has joined the State Farm agency since. He specializes in life and health insurance products that cover individuals and families in the area. Ed Spijker also offers automobile insurance, motorcycle insurance, homeowners' insurance, business insurance, and renters' insurance for a wide range of clientele and small enterprises in the community.

License Verified:

License: 0F49770

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (5)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
P.O. Box 1834, San Leandro, CA 94577
  • Health Insurance

Why choose this provider?

American Financial Management offers business solutions to clients in San Leandro and the surrounding areas. It provides various insurance products including, but are not limited to, life insurance, health insurance, annuities or retirements, and workers' compensation insurance. It also handles tax, accounting, bookkeeping, payroll, and consulting services. Company Principal Nhon Do has completed degrees in business administration and accounting and financial management and holds a teaching certificate in career technical education.

License Verified:

License: 0I20335

California Department of Insurance

Website
589 Estudillo Avenue, San Leandro, CA 94577
  • Life Insurance

Why choose this provider?

Alpha Capital Insurance Services is an insurance service provider that serves clients in and around the San Leandro area. This company represents numerous insurance carriers to provide clients a wide range of insurance plans. It provides life insurance, including long-term and short-term disability policies. Furthermore, its team of professional agents offers personal insurance plans such as home insurance, renters' insurance, and auto, motorcycle, and boat insurance products. Alpha Capital Insurance Services has been serving individuals and businesses for almost two decades.

License Verified:

License: 0H31797

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
Facebook
5.0 / 5 (8)
Yelp
4.5 / 5 (6)
Google
3.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14620 East 14th Street, San Leandro, CA 94578
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

With 30 years of industry experience, Rynda's #1 Insurance Services, Inc., is a team that offers assistance to San Leandro clients looking to protect their life, properties, and businesses. Its team handles policy processing for life insurance, with options of term or whole life coverage. It also handles annuities, health insurance, vehicle protection, property, and business insurance. In addition, the team guides commercial clients in securing coverage for professional or general liability, bonds, workers' compensation, and group health.

License Verified:

License: 0F13005

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 (21)
Facebook
5.0 / 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
1290 B Street, Hayward, CA 94541
  • Life Insurance
  • Health Insurance

Why choose this provider?

David Pena is a State Farm insurance agent from Hayward who offers life, auto, and home insurance solutions to clients in San Leandro and surrounding California areas. He is a founding member of the State Farm Political Action Network, the State Farm Diversity Advisory Council, and the State Farm National Hispanic Agent Network in California. He is also a member of the National Society of Hispanic MBAs and has completed his master of arts degree in leadership. David is fluent in English and Spanish.

License Verified:

License: 0673086

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 (14)

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
433 Callan Avenue, San Leandro, CA 94577
  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

Coleman Financial Services is a firm that caters to the insurance needs of clients in San Leandro. The agency has extensive experience in universal life insurance and helps families obtain financial protection in the event of a family member's death. It also assists in term-based insurance policies and retirement planning needs. Coleman Financial Services was founded in 1985 by Sherwin Coleman, whose services revolve around establishing financial plans and conducting comprehensive analyses for product recommendations.

License Verified:

License: 0M59472

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
1178 C Street, Hayward, CA 94541
  • Life Insurance

Why choose this provider?

Viking Insurance Associates is an independent insurance agency that serves the residents of San Leandro and surrounding areas. It offers universal life insurance, variable universal life insurance, and traditional whole life insurance. Other personal insurance products that it offers include homeowners insurance, auto insurance, boat and watercraft insurance, and earthquake insurance. Viking Insurance Associates works with various insurance companies, such as the American Modern Insurance Group, Foremost Insurance Group, CNA Surety Corporation, and Mercury General.

License Verified:

License: 0647928

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.
3.2
Google
3.0 / 5 (32)
Yelp
4.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22063 Center Street, Castro Valley, CA 94546
  • Life Insurance
  • Health Insurance

Why choose this provider?

Julie Sumiki is an insurance agent associated with StateFarm who serves San Leandro and the surrounding areas. She offers life insurance products such as term life, whole life, and universal life insurance. Clients who are looking to change their beneficiaries or their policies can also consult with her. She also assists with home, property, health, and business insurance policies. Julie has been with StateFarm since 2014. Outside of work, she enjoys spending time with her family, finding new spots to eat in Alameda County, and hiking in San Mateo County.

License Verified:

License: 0H88725

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 (89)
Yelp
5.0 / 5 (32)
Facebook
5.0 / 5 (12)

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
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Website
20665 Santa Maria Avenue, Castro Valley, CA 94546
  • Life Insurance
  • Health Insurance

Why choose this provider?

Operating for over 70 years in the insurance industry, Nichols Insurance Services Inc. is an independent insurance agency that specializes in property and casualty insurance. The agency works with clients throughout the United States, including San Leandro and Castro Valley. Its portfolio of insurance products includes life, vehicle, property, business, and health insurance. Moreover, Nichols Insurance Services takes a team approach when dealing with clients to ensure that they have a support network throughout the insurance buying process.

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.
3.0
Yelp
3.0 / 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
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Frequently Asked Questions

  • What can you expect from the medical exam when applying for a life insurance policy in San Leandro?

    You should anticipate an in-person medical exam when applying for life insurance in San Leandro. The medical history of you and your family, blood pressure, weight and height, and urine and blood samples may be required for the examination. You may also be asked lifestyle-related questions regarding alcohol consumption, physical activity, smoking, recreational drug use, travel, and hazardous hobbies. Furthermore, additional tests will be performed based on your policy, age, and coverage requirements. These tests include electrocardiograms, chest X-rays, and treadmill stress tests.

  • What are your options if you fail your medical exam in San Leandro?

    If you fail your medical exam, you can seek out a life insurance policy in San Leandro that does not require a medical exam. However, premiums may be higher than with policies requiring medical exams. You could also purchase life insurance through your employer, or you could improve your health before reapplying.

  • What are the benefits of purchasing whole life insurance in San Leandro?

    In San Leandro, whole life policies are ideal for your long-term needs. This policy can help protect your family in the event of your death by covering final expenses such as medical or estate bills and federal and state death taxes. In addition, it can be utilized for business purposes, including the insurance of key personnel, split-dollar insurance arrangements, and nonqualified deferred compensation plans. In addition, you can use the cash value option to save for college costs or retirement.

  • Can you add riders to your standard life insurance policy in San Leandro?

    In San Leandro, whole life policies are ideal for your long-term needs. This policy can help protect your family in the event of your death by covering final expenses such as medical or estate bills and federal and state death taxes. In addition, it can be utilized for business purposes, including the insurance of key personnel, split-dollar insurance arrangements, and nonqualified deferred compensation plans. In addition, you can use the cash value option to save for college costs or retirement.

  • Where can a San Leandro resident go to file a report of insurance fraud?

    Residents of San Leandro can report insurance fraud to the Fraud Division Regional Office that is closest to them. Complainants are welcome to visit the Enforcement Branch Headquarters at 2400 Del Paso Road, Suite 250, Sacramento, California. To submit a complaint, individuals may also send an email to Fraud@insurance.ca.gov or call the office at (916) 854-5760.

  • 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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