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Best Life Insurance Companies in San Ramon

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Acceptance Insurance Services, Inc. logo
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License Verified:

License: 0B48039

California Department of Insurance

Acceptance Insurance Services, Inc.

6280 West Las Positas Boulevard, Pleasanton, CA 94588
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  • Life Insurance
  • Health Insurance

Business Description

Acceptance Insurance Services, Inc. is an independent insurance brokerage that offers commercial and personal insurance lines to clients in the San Ramon metro. The firm has been operating since 1989 and specializes in online insurance services. It offers life insurance policies such as term life and permanent life insurance that covers unforeseen financial expenses as well as death. It also offers other personal insurance lines such as dental insurance, annuities, as well as health insurance.

License Verified:

License: 0B48039

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
3.0 / 5 (6)
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
Bernal Insurance Agency logo
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License Verified:

License: 0C64098

California Department of Insurance

Bernal Insurance Agency

2765 Canyon Creek Drive, San Ramon, CA 94583
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  • Life Insurance

Business Description

Situated in San Ramon, Bernal Insurance Agency provides individuals with a wide range of insurance solutions. The agency offers clients a recommendation of insurance products that match their current life stage. Plans include whole life, single premium, family protection, and mortgage protection insurance. It also advises on Medicare and financial planning. In addition to personal insurance, it helps businesses craft benefits for their employees. Pamela Bernal, the agency's primary agent and broker, has nearly 30 years of experience in insurance sales.

License Verified:

License: 0C64098

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 (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
––
Brighton Financial & Insurance Services logo
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License Verified:

License: 0I56020

California Department of Insurance

Brighton Financial & Insurance Services

2258 Camino Ramon, San Ramon, CA 94583
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  • Life Insurance
  • Health Insurance

Business Description

Brighton Financial & Insurance Services is an independent firm serving individuals and businesses in San Ramon and the neighboring areas since 2008. The firm writes term life and whole life insurance policies and offers retirement consulting services, including college funding, annuities, and mutual funds. The firm also handles insurance policy protection for properties affected by wildfire. The firm is affiliated with numerous carriers, such as MetLife and Cigna, providing a variety of policy options to clients.

License Verified:

License: 0I56020

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Circadian Insurance Brokers logo
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License Verified:

License: 0F79348

California Department of Insurance

Circadian Insurance Brokers

8440 Brentwood Boulevard, Brentwood, CA 94513
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  • Individual Plans
  • Life Insurance

Business Description

Located in Brentwood, Circadian Insurance Brokers is an independent insurance agency that serves clients in San Ramon. It offers life insurance plans and provides quotes from over 20 different carriers, such as Liberty Mutual and National General Insurance. Its agents can also tailor each plan to pay off income loss or children's tuition fees. The agency educates first-time clients about term-life plans, whole life plans, and death benefits. Established in 1990, Circadian Insurance Brokers can file applications and claims on behalf of its clients.

License Verified:

License: 0F79348

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)
Yelp
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
––
David White & Associates logo
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License Verified:

License: 0419686

California Department of Insurance

David White & Associates

3150 Crow Canyon Place, San Ramon, CA 94583
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  • Life Insurance

Business Description

David White & Associates is an insurance agency that serves individuals and businesses in San Ramon. Its financial agents work closely with clients to guide them in navigating the complexities of insurance policies and financial planning. Its products include life insurance, disability income protection, and long-term care insurance. Wealth management services for professional athletes, coaches, entertainers, and their families are also available. David White & Associates is involved with over 30 charities, including Habitat for Humanity and Leukemia Foundation.

License Verified:

License: 0419686

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.
4.5
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
Inszone Insurance Services logo
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License Verified:

License: 0F82764

California Department of Insurance

Inszone Insurance Services

5976 West Las Positas Boulevard, Pleasanton, CA 94588
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  • Life Insurance
  • Health Insurance

Business Description

Inszone Insurance Services is a Pleasanton-based company founded in 2002. It is an independent insurance agency serving individuals, families, and businesses in the San Ramon area. The company provides life insurance plans that may include term, universal, and whole life coverage. Its insurance agents also offer other personal plans such as health, disability, home, and vehicle insurance. CEO Norm Hudson has been in the insurance industry for more than 20 years. He purchased Inszone Insurance Services in 2013.

License Verified:

License: 0F82764

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 (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
James Foster Jr logo
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License Verified:

License: 0D38998

California Department of Insurance

James Foster Jr

2819 Crow Canyon Road, San Ramon, CA 94583
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  • Life Insurance
  • Health Insurance

Business Description

James Foster Jr. is a State Farm agent serving clients in San Ramon. He has been serving the community for more than 26 years, specializing in providing life insurance coverage. He also offers options for health, property, auto, home, and business insurance, in addition to mutual funds and annuities. Additionally, James is a qualifier for various industry awards, including Bronze Tablet, National Convention, and Legion of Honor. He is also a member of the San Ramon Chamber of Commerce.

License Verified:

License: 0D38998

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.
4.5
Google
4.0 / 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
Nickovich Insurance Services Inc. logo
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License Verified:

License: 0M26649

California Department of Insurance

Nickovich Insurance Services Inc.

3026 Ascot Drive, San Ramon, CA 94583
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  • Life Insurance

Business Description

Nickovich Insurance Services Inc. is a full-service insurance company operating in San Ramon. The firm protects the beneficiaries of life insurance policyholders from unwanted financial risks. As an independent insurance broker, the agency offers several life insurance coverage options from over 10 companies and helps clients select the best policy for their needs. Its agents also specialize in individual and group health insurance, including medical, dental, vision, and long-term care plans. The company is owned and led by local insurance agent Carol Nickovich.

License Verified:

License: 0M26649

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 (2)
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
Scott Feher & Associates logo
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License Verified:

License: 0B00599

California Department of Insurance

Scott Feher & Associates

1981 North Broadway, Walnut Creek, CA 94596
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  • Life Insurance

Business Description

Scott Feher & Associates addresses the insurance needs of clients in San Ramon. It has been in business for over 27 years, working with estate planners, long-term care specialists, elder care attorneys, and CPAs. The professionals from the company help clients plan and purchase life insurance coverage and disability income insurance. They also provide assistance in financial and retirement planning and cash flow management. Its owner, Scott Feher, received the Accredited Investment Fiduciary award from the Center for Fiduciary Studies.

License Verified:

License: 0B00599

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 (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
Specialists in Health Insurance logo
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License Verified:

License: 0L81076

California Department of Insurance

Specialists in Health Insurance

3050 Citrus Circle, Walnut Creek, CA 94598
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  • Life Insurance
  • Health Insurance

Business Description

Specialists in Health Insurance is an insurance company that started its operation in 1989. It has since provided individuals, families, and small businesses in the San Ramon area with life insurance through its affiliations with carrier companies such as Pacific Life, Fidelity & Guaranty Life, and American Equity. The early 2000s was a transitioning period for the company as it opened its services to medium enterprises and started offering vision, dental, group health, and voluntary payroll deduction insurance.

License Verified:

License: 0L81076

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
––
Stuart J Poon logo
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License Verified:

License: 0M67605

California Department of Insurance

Stuart J Poon

3189 Danville Boulevard, Alamo, CA 94507
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Stuart J. Poon is a State Farm insurance agent who assists San Ramon clients in finding life insurance products that meet their requirements. He offers term life insurance, whole life insurance, and universal life insurance. He also guides clients on matters regarding auto insurance, home and property insurance, business insurance, disability insurance, liability insurance, and health insurance. Poon is a member of the Alamo Merchants and Professional Association and the Alamo Rotary Ambassador for Life Qualifier.

License Verified:

License: 0M67605

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 (1)
The La Musga Company logo
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License Verified:

License: 0619231

California Department of Insurance

The La Musga Company

2815 Mitchell Drive, Walnut Creek, CA 94598
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  • Life Insurance
  • Term Life Insurance

Business Description

The La Musga Company provides life insurance products to clients residing in San Ramon. It offers several life insurance policies to help clients choose benefits for their families. These include long-term care, survivor life, term, disability, and fixed life insurance. Additionally, immediate annuities, key employees, and group medical programs are also available. The La Musga Company helps clients with their financial services, such as asset allocation, college funding, investments, retirement plans, and estate planning.

License Verified:

License: 0619231

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 (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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