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2024

Last updated:

Best Life Insurance Companies in San Ramon

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored San Ramon 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.

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12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1981 North Broadway, Walnut Creek, CA 94596
WebsiteLicense: 0B00599

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

3150 Crow Canyon Place, San Ramon, CA 94583
WebsiteLicense: 0419686

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Review Sources

Google
4.0 (4)
Yelp
3.5 (3)

Why choose this provider?

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.

  • Life Insurance

2258 Camino Ramon, San Ramon, CA 94583
WebsiteLicense: 0I56020

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

2819 Crow Canyon Road, San Ramon, CA 94583
WebsiteLicense: 0D38998

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Review Sources

Facebook
5.0 (10)
Google
4.0 (5)
Yelp
3.0 (2)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

8440 Brentwood Boulevard, Brentwood, CA 94513
WebsiteLicense: 0F79348

Expertise.com Rating

Why choose this provider?

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.

  • Individual Plans
  • Life Insurance

6280 West Las Positas Boulevard, Pleasanton, CA 94588
WebsiteLicense: 0B48039

Expertise.com Rating

Review Sources

Yelp
3.0 (6)
Google
5.0 (2)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

3050 Citrus Circle, Walnut Creek, CA 94598
WebsiteLicense: 0L81076

Expertise.com Rating

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

2765 Canyon Creek Drive, San Ramon, CA 94583
WebsiteLicense: 0C64098

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

3026 Ascot Drive, San Ramon, CA 94583
WebsiteLicense: 0M26649

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (2)
Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

5976 West Las Positas Boulevard, Pleasanton, CA 94588
WebsiteLicense: 0F82764

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

2815 Mitchell Drive, Walnut Creek, CA 94598
WebsiteLicense: 0619231

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance
  • Term Life Insurance

3189 Danville Boulevard, Alamo, CA 94507
WebsiteLicense: 0M67605

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

FAQs

  • What is the typical range of term life insurance policies offered by San Ramon companies to qualified employees?

    Many companies in San Ramon offer term life insurance policies valued at either $10,000 or $25,000 to eligible employees. They also have a buy-in program so that employees can enhance their life insurance coverage. Employees who join this program can take advantage of discounted group rates for this expanded insurance protection.

  • What insurance choices are accessible to San Ramon residents who may not meet the requirements for life insurance?

    San Ramon residents facing challenges in securing conventional life insurance coverage can explore the option of guaranteed-issue final expense insurance. This life insurance policy provides a death benefit that helps cover end-of-life expenses, including medical bills, cremation, and funeral costs. Among the carriers that offer guaranteed-issue final expense insurance is State Farm.

  • Aside from serving as the cornerstone of a solid financial plan, what are other reasons for purchasing life insurance in San Ramon?

    Life insurance is valuable for San Ramon residents as it helps cover end-of-life costs and pays for federal death and estate taxes. Additionally, it offers the opportunity to contribute to charitable causes by gifting a policy to a nonprofit organization. Furthermore, life insurance can serve as a means to establish a legacy for the policyholder's descendants.

  • When should San Ramon residents consider using the services of a life insurance broker?

    Residents of San Ramon seeking comprehensive insurance coverage should consider working with an insurance broker because experienced ones can assist residents in choosing policies that align most effectively with their insurance requirements and budget constraints. Despite the city's flourishing economy and diverse populace, it presents distinctive insurance coverage challenges and prospects.

  • How can permanent life insurance serve as an asset for policyholders in San Ramon?

    Permanent life insurance is a financial tool for San Ramon residents capable of mitigating market risk. A significant advantage lies in its cash-value element, designed to appreciate over time. If the insured decides to terminate the policy, the cash value is exempt from taxes up to the amount paid in premiums. Permanent life insurance can also provide dividend opportunities when structured correctly.

  • 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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