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2024

Last updated:

Best Life Insurance Companies in San Mateo

Our Recommended Top 19

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 Mateo 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.

4104

Reviewed

2470

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
301 California Drive, Burlingame, CA 94010
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ron Pang Insurance Services offers total insurance solutions to clients in San Mateo. It provides different kinds of life insurance policies including term life, whole life, universal life, and variable universal life. The company also has coverages for long-term care, personal umbrella, homeowners, renters, motor homes, and condominiums. Other services available include plans like commercial auto, motorcycle, and watercraft insurance. Ron Pang Insurance Services has a strong focus on continually working to deliver its clientele’s insurance needs.

License Verified:

License: 0C02474

California Department of Insurance

Website
108 Manor Drive, Pacifica, CA 94044
  • Life Insurance
  • Health Insurance

Why choose this provider?

Since 2013, Jaymi Wessell has been helping individuals in San Mateo secure their financial well-being with a variety of insurance products and packages. She offers clients a wide range of options that clients can choose from to match their budget and requirements. She also provides personal and commercial insurance such as auto, business, home, and health policies. Wessell is an insurance agent for State Farm, a Fortune 500 insurance, financial services, and investment company.

License Verified:

License: 0J01106

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 (10)
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

Website
1777 Borel Place, San Mateo, CA 94402
  • Health Insurance

Why choose this provider?

Afoa Insurance is an insurance broker delivering personalized financial solutions in San Mateo. It has nearly four decades of industry experience providing life insurance options, day-to-day support, and issue resolution. It also handles benefits review discussions and other services, including medical insurance, S125, identity theft and protection, voluntary benefits, and disability insurance. The women-owned company was started by Laura Afoa in 2010. Afoa holds the Certified Employee Benefits Specialist and Group Benefits Associate designations.

License Verified:

License: 0C05787

California Department of Insurance

Website
705 Veterans Boulevard, Redwood City, CA 94063
  • Life Insurance
  • Health Insurance

Why choose this provider?

Nick Bertetta is a State Farm insurance agent providing services to clients in San Mateo. She specializes in helping clients receive insurance products to help protect their loved ones in emergencies or death. He also helps small business owners with their business planning strategies and insurance needs. Additionally, he offers renters, health, homeowners, and auto insurance products. Bertetta participates in local community events around the area and is a member of the San Carlos Chamber of Commerce.

License Verified:

License: 0H76442

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 (20)
Yelp
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1606 South El Camino Real, San Mateo, CA 94402
  • Life Insurance
  • Health Insurance

Why choose this provider?

Tammie Pereira is the owner and principal agent of Tammie Pereira Insurance Services, Inc., an independent insurance agency serving San Mateo and the surrounding areas. She assists people in selecting the best life insurance plan to meet their personal and financial needs. Her team provides various life insurance plans from more than a dozen providers, including term life, whole life, and universal life insurance. Tammie has been working in the insurance industry since 1987. She opened her own agency in 1999.

License Verified:

License: 0G17826

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.
4.4
Facebook
4.0 / 5 (8)
Yelp
4.5 / 5 (6)
Google
5.0 / 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
460 Bryant Street, San Francisco, CA 94107
  • Life Insurance

Why choose this provider?

Ethos Life is an independent insurance company that serves residential and commercial clients in San Mateo and its surrounding areas. It offers whole life and term life insurance coverage for families and individuals. The company employs a team of professional insurance specialists able to recommend risk management strategies that fit each client and recommend suitable insurance coverage that meets their needs. Previous clients have praised the company's staff for their professionalism and streamlined application process. 

License Verified:

License: 0L28949

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 (277)

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
414 East 3rd Avenue, San Mateo, CA 94401
  • Life Insurance
  • Health Insurance

Why choose this provider?

EMC Insurance Services Inc. is a San Mateo-based risk management firm that provides both personal and commercial insurance. With a life insurance policy, the company assists individuals in ensuring the well-being of their dependents as well as the proper distribution of their financial assets. As an independent insurance broker, the team represents a number of carriers that can offer a variety of coverage options, such as term life, whole life, and universal life. The company also serves clients in Foster City.

License Verified:

License: 0K51627

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 (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
50 Victoria Avenue, Millbrae, CA 94030
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mary Wong Insurance Services addresses the insurance needs of clients in San Mateo and the surrounding communities. Its owner Mary Wong is a Certified Financial Educator. Wong and her team aim to help clients protect their family's future and well-being by providing life insurance coverage that fits their needs. They also provide options for health, disability, and long-term care insurance, in addition to Medicare Supplement and retirement planning. Additionally, Wong is fluent in multiple languages, including English, Burmese, Cantonese, Mandarin, and Taiwanese.

License Verified:

License: 0772349

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
Yelp
4.0 / 5 (5)
Facebook
5.0 / 5 (4)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
300 North San Mateo Drive, San Mateo, CA 94401
  • Life Insurance
  • Health Insurance
  • Group Plans

Why choose this provider?

Operating in San Mateo, James K. Mason Insurance is an independent firm that offers personal and business insurance lines. Established in 1997, it crafts individual and group life insurance with term, universal, and whole life insurance options. Its team also has more than 45 years of combined experience in writing insurance plans. In addition, James K. Mason Insurance is a member and stockholder of United Valley Insurance Services, giving the firm access to more than 50 top-rated insurance companies.

License Verified:

License: 0H58302

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 (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

Website
3271 Gold Country Drive, El Dorado, CA 95623
  • Life Insurance

Why choose this provider?

Founded in 1962, Barthold Insurance Agency is an El Dorado-based company that provides insurance products and services to families and individuals in the San Mateo area. It is an independent insurance agency that works with different carriers in creating customized life insurance coverages. Additionally, the company's insurance professionals help clients acquire umbrella, home, condo, business, and renter's insurance. Current owner Susan Berger started working in the company in 1980. She purchased Barthold Insurance Agency in 1990.

License Verified:

License: 0736535

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1710 South Amphlett Boulevard, San Mateo, CA 94402
  • Life Insurance
  • Health Insurance

Why choose this provider?

Connell Insurance Agency (CIA) is a family-owned life insurance agency based in San Mateo. With 37 years of working experience as an agent in a leading insurance company, Al Connell established the firm in 2015 to continue his commitment towards providing life and health insurance to his clients. CIA strives to be present to their new and loyal customers every step of the way. The agency also offers various insurance needs such as business, commercial, automobile, and home.

License Verified:

License: 0522511

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
Yelp
4.0 / 5 (14)
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
60 41st Avenue, San Mateo, CA 94403
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Founded in 1960, Catalli Insurance Brokers is a local insurance agency serving the San Mateo metro. It is an independent insurance agency that works with various carriers such as Builders & Tradesmen's Insurance Services Inc. and California Fair Plan Property Insurance. Headed by Peter Catalli, the company offers term, whole, and universal life insurance plans that may cover retirement income and provide financial assistance for the clients' family members. Catalli Insurance Brokers also provides business, auto, homeowner, and renter's insurance.

License Verified:

License: 0B80207

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 (77)
Yelp
5.0 / 5 (37)
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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
26120 Eden Landing Road, Hayward, CA 94545
  • Life Insurance

Why choose this provider?

Cesar S. Gerardo Insurance Brokers, Inc. is a team of insurance professionals and financial advisors that offers insurance products and services in the San Mateo area. The firm was founded by Cesar Gerardo, a Philippine-trained insurance professional who has been in the industry since 1989. The firm's life insurance policies include term life insurance, whole life insurance, educational insurance, mortgage protection, and retirement insurance. It also offers specialty life insurance lines such as supplemental tax-free retirement income and death benefits insurance.

License Verified:

License: 0D44055

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.
3.9

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
1519 South B Street, San Mateo, CA 94402
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Long Term Care

Why choose this provider?

Business Professional Insurance Associates, Inc. is a female-owned insurance agency that has been serving San Mateo and nearby areas since 1999. It offers a broad range of insurance solutions, including life insurance policies with term, whole, and universal life options. As an independent agency, it represents insurance carriers with a national and regional focus, giving its clients the freedom to select the coverage that fits their needs. Its insurance advisors are equipped to assist in any billing or claim concerns and changes in coverage.

License Verified:

License: 0D69286

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
Yelp
5.0 / 5 (8)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
520 South El Camino Real, San Mateo, CA 94402
  • Life Insurance
  • Health Insurance

Why choose this provider?

Slavsky Insurance is an agency servicing San Mateo. It offers term, whole, and universal life insurance options for individuals and their families. Fixed and variable annuity products are also available. After submitting an application form online, its website utilizes an internal rating system that automatically acquires tailored solutions from more than 50 insurance carriers that the agency works with. This allows the clients to decide on the type of coverage they need. Slavsky Insurance also provides health, earthquake, vehicle, and business owners' insurance 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.
4.5
Yelp
4.5 / 5 (14)
Facebook
4.6 / 5 (5)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
800 Airport Boulevard, Burlingame, CA 94010
  • Life Insurance
  • Health Insurance

Why choose this provider?

Founded in 1987, AG Sieben & Associates, Inc., provides employee benefit products and consulting services to employers and individuals in San Mateo. With over a hundred life insurance carrier partners, the firm offers various life insurance options. For individuals, the options range from term life, which covers a specific period, to whole life and universal life, which includes lifetime protection for clients. Additionally, key person life insurance is offered for businesses.

License Verified:

License: 0786016

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.
2.0
Google
2.0 / 5 (3)
Yelp
2.0 / 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
423 Coronado Avenue, Half Moon Bay, CA 94019
  • Term Life Insurance
  • Life Insurance

Why choose this provider?

PJW Insurance Services is a life and health insurance company serving clients in San Mateo. The company caters to individuals, families, and companies, providing a wide range of insurance plans, such as Medicare Advantage, Medicare Supplemental, and Prescription Drug Plans. It also offers coverages for disability and term life insurance. Its owner, Pat Wilkus, designs a protection program after recommending the insurance coverage that fits the client's needs. Additionally, Wilkus works with various carriers, such as Aetna and Zurich Life.

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
1501 El Camino Real, Belmont, CA 94002
  • Life Insurance
  • Health Insurance

Why choose this provider?

Jim Dwyer is a San Mateo-based State Farm agent and has been serving the area since 2002. Offering different policies on home insurance, car insurance, business insurance, and renters' insurance, Jim Dwyer aims to help people manage potential risks and recover easily from such events. As an agent of State Farm Insurance, Jim Dwyer works with clients based on the philosophy of customer service. He helps them find the right insurance policy according to their budget, requirements, and goals in life.

License Verified:

License: 0699053

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.
4.4
Google
4.0 / 5 (102)
Yelp
5.0 / 5 (54)
Facebook
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
220 West 20th Avenue, San Mateo, CA 94403
  • Life Insurance

Why choose this provider?

Andreini and Company is a full-service insurance agency that specializes in insurance services and solutions in San Mateo. The company has been operating for more than 60 years with other offices in Oklahoma, Texas, and North Carolina. It offers life insurance products such as term life and permanent life insurance that provide financial protection from unforeseen events. The cash benefits from these policies can also be treated as liquid assets to pay off debts, mortgages, and educational payments.

License Verified:

License: 0208825

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.
4.4
Facebook
5.0 / 5 (12)
Google
3.7 / 5 (3)
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
––

Frequently Asked Questions

  • When should San Mateo families and individuals change their life insurance?

    Families and individuals in San Mateo may need to change their life insurance if they are concerned about their retirement income or recently purchased a new home. Life insurance can also be updated if the policyholder is recently married or divorced, plans to support a child's education, or provides financial assistance to their parents. Additionally, if a family member's health has deteriorated, a policy change might be in order.

  • Is permanent life insurance in San Mateo taxable?

    No, the cash value of permanent life insurance in San Mateo is tax-deferred, meaning policyholders do not have to pay taxes unless the money is withdrawn. Funds from this type of personal insurance can help families and individuals pay for various expenses, such as college tuition fees or home down payments.

  • Can policyholders in San Mateo customize their life insurance?

    Policyholders in San Mateo can customize their life insurance by adding optional coverage. They can purchase a living benefit option, allowing them to use a portion of their death benefit to pay for treatments if they are terminally ill. Also, they can opt for an accidental death benefit that provides additional security for their loved ones.

  • How would you know if you are eligible for life insurance in San Mateo?

    In San Mateo, talking to an insurance agent or carrier will help you determine whether you are eligible or not for life insurance. You must first complete an application form and medical examination. The underwriter will review your medical history to identify your risk classification. Then, the insurance provider will accept your application once you pass their age, gender, and risk classification guidelines.

  • When can you file a lawsuit against life insurance companies in San Mateo?

    You can file a lawsuit against insurance companies in San Mateo if you believe that they use several tactics to deny your life insurance claim. They can be sued if they argue that your family member's death was not accidental and you misinterpreted your health history when you purchased your policy.

  • 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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