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Best Life Insurance Companies in San Mateo

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2023
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Afoa Insurance logo

License Verified:

License: 0C05787

California Department of Insurance

Afoa Insurance

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

Business Description

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

AG Sieben & Associates, Inc. logo

License Verified:

License: 0786016

California Department of Insurance

AG Sieben & Associates, Inc.

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

Business Description

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

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
––
Andreini and Company logo
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License Verified:

License: 0208825

California Department of Insurance

Andreini and Company

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220 West 20th Avenue, San Mateo, CA 94403
  • Life Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Barthold Insurance Agency logo

License Verified:

License: 0736535

California Department of Insurance

Barthold Insurance Agency

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Business Professional Insurance Associates, Inc. logo
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License Verified:

License: 0D69286

California Department of Insurance

Business Professional Insurance Associates, Inc.

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Catalli Insurance Brokers logo

License Verified:

License: 0B80207

California Department of Insurance

Catalli Insurance Brokers

60 41st Avenue, San Mateo, CA 94403
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cesar S. Gerardo Insurance Brokers, Inc. logo
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License Verified:

License: 0D44055

California Department of Insurance

Cesar S. Gerardo Insurance Brokers, Inc.

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

Business Description

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
Google
4.2 / 5 (6)
Yelp
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Connell Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 0522511

California Department of Insurance

Connell Insurance Agency

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

Business Description

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
EMC Insurance Services Inc logo
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License Verified:

License: 0K51627

California Department of Insurance

EMC Insurance Services Inc

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

Business Description

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.
4.7
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
Ethos logo

License Verified:

License: 0L28949

California Department of Insurance

Ethos

460 Bryant Street, San Francisco, CA 94107
  • Life Insurance

Business Description

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
James K. Mason Insurance logo
Visit WebsiteWebsite

License Verified:

License: 0H58302

California Department of Insurance

James K. Mason Insurance

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

Business Description

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
Jaymi Wessell logo
Visit WebsiteWebsite

License Verified:

License: 0J01106

California Department of Insurance

Jaymi Wessell

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

Business Description

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
Jim Dwyer logo
Visit WebsiteWebsite

License Verified:

License: 0699053

California Department of Insurance

Jim Dwyer

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

Business Description

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
Mary Wong Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 0772349

California Department of Insurance

Mary Wong Insurance Services

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Nick Bertetta logo
Visit WebsiteWebsite

License Verified:

License: 0H76442

California Department of Insurance

Nick Bertetta

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
PJW Insurance Services logo
Visit WebsiteWebsite

PJW Insurance Services

Visit WebsiteWebsite
423 Coronado Avenue, Half Moon Bay, CA 94019
  • Life Insurance
  • Term Life Insurance

Business Description

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
Ron Pang Insurance Services logo

License Verified:

License: 0C02474

California Department of Insurance

Ron Pang Insurance Services

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

Business Description

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

Slavsky Insurance logo

Slavsky Insurance

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Tammie Pereira logo
Visit WebsiteWebsite

License Verified:

License: 0G17826

California Department of Insurance

Tammie Pereira

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

Business Description

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.
4.7
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
Town & Country Insurance Services, Inc. logo

License Verified:

License: 0B91429

California Department of Insurance

Town & Country Insurance Services, Inc.

1870 El Camino Real, Burlingame, CA 94010
  • Life Insurance

Business Description

Town & Country Insurance Services, Inc. is an independent insurance agency that provides insurance services to residents and businesses in San Mateo and the surrounding communities. It represents multiple carriers that allow it to offer a variety of insurance packages. It offers life insurance plans like annual renewable term insurance, level term life insurance, and whole life insurance. Additionally, it provides group life insurance and key person or key men insurance packages for business clients.

License Verified:

License: 0B91429

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 (2)
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

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.