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2024

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Best Life Insurance Companies in Santa Rosa, CA

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Santa Rosa 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.

6910Reviewed

4150Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

445 Orchard St Suite 111, Santa Rosa, CA 95404
WebsiteLicense: 0M01892

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Vassallo Insurance Services, LLC, is a locally owned and operated agency that serves individuals, business owners, and families in Santa Rosa. Since 2014, the business has been providing a wide range of insurance products, such as life, Medicare, commercial, home, individual and family health, and long-term care insurance. Its team of insurance agents also caters to policyholders with 24/7 support service for online claims filing. Vassallo Insurance Services extends its services throughout California, including San Francisco, Tacoma, and Seattle.

  • Life Insurance
  • Health Insurance

1000 West College Avenue, Santa Rosa, CA 95401
WebsiteLicense: 0I29632

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (7)

Why choose this provider?

Argos Insurance & Registration Services caters to the insurance needs of Santa Rosa and its surrounding metros. It assists clients in finding the best coverage that fits their lifestyle and financial needs. One of its products is life insurance, which can aid in outstanding debt, final costs, and inheritance. The company also helps protect one's investments through home and renters insurance as well as auto and motorcycle insurance. In addition, it offers commercial insurance policies for California businesses.

  • Life Insurance

808 Beaver Street, Santa Rosa, CA 95404
WebsiteLicense: 0C42042

Expertise.com Rating

Review Sources

Facebook
4.3 (134)
Yelp
5.0 (3)

Why choose this provider?

Norman Sheehan Insurance Agency LLC is a Santa Rosa-based firm that provides personal and business insurance solutions. One of its insurance products is life insurance plans with term and cash value options. It also offers assistance with Covered California, which allows individuals and their families to acquire health insurance through the state's Medi-Cal program. Business owners can also turn to Norman Sheehan Insurance Agency LLC if they are looking for employee benefits and group health insurance plans.

  • Life Insurance
  • Health Insurance

351 Sexton Road, Sebastopol, CA 95472
WebsiteLicense: 0585945

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (8)
Yelp
5.0 (3)

Why choose this provider?

Sackett & Associates Insurance Services is an insurance company that serves individuals, families, and small businesses throughout Santa Rosa and Sonoma County. Based in Sebastopol, this agency offers a wide range of insurance products, including life insurance. Its agents offer permanent life insurance policies, universal life insurance, and term life insurance. Additionally, the company offers health and Medicare insurance products. Sackett & Associates Insurance Services has been serving clients for over four decades and has partnered with reputable insurance carriers in the market.

  • Life Insurance
  • Health Insurance
  • Group Plans

443 Dutton Avenue, Santa Rosa, CA 95407
WebsiteLicense: 0F64155

Expertise.com Rating

Review Sources

Google
3.0 (12)
Facebook
5.0 (8)

Why choose this provider?

Operating in Santa Rosa, Maximo Insurance & Tax Services offers a wide array of insurance solutions for individuals and business owners. This independent agency partners with a network of life insurance carriers to provide its clients with coverage and protection that meet their needs. Maximo Insurance & Tax Services is also bilingual, extending its services to English-speaking and Spanish-speaking communities. The firm's other areas of specialization include income tax services and DMV services that involve registration and title transfer.

  • Life Insurance

703 2nd Street, Santa Rosa, CA 95404
WebsiteLicense: 0G30653

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Black Rock Insurance Services is a locally operated insurance agency that serves clients in Santa Rosa and the surrounding areas. The independently owned company represents various insurance companies to offer a wide range of life insurance policies, including term life, whole life, and universal life insurance. It helps clients acquire insurance for homeowners, boats, motorcycles, and RVs. Black Rock Insurance Services also has insurance options for commercial clients who need coverage for general liability, workers' compensation, and surety bonds.

  • Life Insurance

4000 Montgomery Drive, Santa Rosa, CA 95405
WebsiteLicense: 0I89060

Expertise.com Rating

Review Sources

Yelp
5.0 (10)
Facebook
4.0 (5)
Google
5.0 (3)

Why choose this provider?

Santa Rosa Insurance Agency LLC has been serving individuals, families, and businesses in Santa Rosa for nearly three decades. It helps clients prepare for the unexpected with term life insurance, which lasts for a set period of time, or whole life insurance, which only expires when the policyholder loses his or her life. The agency's staff are trained to assist clients who are undergoing changes in their lifestyles. Santa Rosa Insurance Agency also offers health, homeowners', auto, and umbrella insurance.

  • Life Insurance
  • Health Insurance

2455 Bennett Valley Road, Santa Rosa, CA 95404
WebsiteLicense: 0E81195

Expertise.com Rating

Why choose this provider?

Trejo Insurance Services is an independent local insurance agency catering to clients in the Santa Rosa area, with 16 years of experience. It provides life insurance as well as coverage for different personal and commercial properties. It also offers auto, homeowners, and flood insurance. Commercial insurance and workers' compensation are also available. Trejo Insurance Services is headed by Jose Antonio Trejo who has experience with sales and customer service and has consecutively been a top insurance agent for eight years.

  • Individual Plans
  • Life Insurance

25 McDonell Street, Sonoma, CA 95476
WebsiteLicense: 0F84481

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

North Bay Insurance Brokers helps safeguard the future of Santa Rosa families by finding them life insurance policies. Its agents shop for coverages that meet their customers' insurance needs. The independent agency represents nearly 40 insurance carriers, giving clients a wide range of options. With the right policy, the funeral expenses, debts, educational costs, and estate taxes of the policyholder's beneficiaries can be covered. Some of the insurance professionals at North Bay Insurance Brokers have decades of experience serving in the industry.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

1330 North Dutton Avenue, Santa Rosa, CA 95401

Expertise.com Rating

Why choose this provider?

Ritch Insurance Services has provided life, health, disability, and long-term care insurance products for residents in Santa Rosa. This insurance brokerage was established in 1984 by Ed Ritch, an insurance professional who built his career and business on his passion for helping clients in need. Ritch can help families and individuals financially prepare for unplanned death, illness, or disability by establishing a life insurance plan. He specializes in customizing term, universal, and survivorship life insurance policies according to each policyholder's unique needs.

  • Life Insurance
  • Health Insurance

2780 Stony Point Road, Santa Rosa, CA 95407
WebsiteLicense: 0D59026

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
4.0 (17)
Yelp
4.0 (10)

Why choose this provider?

Eddie Sandoval is an insurance agent who serves clients in Santa Rosa and the surrounding areas. He offers life insurance plans that include term, whole, and universal. Additionally, he handles banking and mutual funds. Sandoval has 23 years of insurance industry experience and leads a team through State Farm that focuses on insurance options such as business, home, and automobile. Eddie Sandoval is a member of the Sonoma County Hispanic Chamber of Commerce. He also has a Spanish-speaking staff.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Vassallo Insurance Services, LLC
445 Orchard St Suite 111, Santa Rosa, CA 95404
Argos Insurance & Registration Services
1000 West College Avenue, Santa Rosa, CA 95401
Norman Sheehan Insurance Agency LLC
808 Beaver Street, Santa Rosa, CA 95404
Sackett & Associates Insurance Services
351 Sexton Road, Sebastopol, CA 95472
Maximo Insurance & Tax Services
443 Dutton Avenue, Santa Rosa, CA 95407
Black Rock Insurance Services
703 2nd Street, Santa Rosa, CA 95404
Santa Rosa Insurance Agency LLC
4000 Montgomery Drive, Santa Rosa, CA 95405
Trejo Insurance Services
2455 Bennett Valley Road, Santa Rosa, CA 95404
North Bay Insurance Brokers
25 McDonell Street, Sonoma, CA 95476
Ritch Insurance Services
1330 North Dutton Avenue, Santa Rosa, CA 95401
Eddie Sandoval
2780 Stony Point Road, Santa Rosa, CA 95407

FAQs

  • If you were significantly overweight when you initially purchased life insurance in Santa Rosa and then lost a lot of weight, would your premium decrease?

    Insurance rates are higher if you have an obesity problem since life insurance companies will view you as a high-risk client, but if you were significantly overweight when you initially purchased insurance and you fought diligently to lose a considerable amount of weight, you could reapply to your insurance provider in Santa Rosa. They will evaluate your risk again, which can result in receiving a cheaper premium.

  • Does smoking have an impact on the cost of life insurance in Santa Rosa?

    Smoking could significantly increase the cost of your life insurance in Santa Rosa, meaning you will pay a greater rate than non-smokers if you bought coverage while you were still smoking. However, if you have successfully quit smoking since purchasing your life insurance policy, you are eligible for their non-smoker rate. If you haven't smoked for a year, you can start receiving the price reduction.

  • Are you allowed to donate your life insurance plan in Santa Rosa to a charity?

    Yes, it is legal for you to donate your Santa Rosa life insurance policy to a charitable organization. You can accomplish this by designating the charity as the recipient of your life insurance plan, sending an annual contribution in the form of dividends, and transferring the ownership of your policy.

  • Can a will replace the authority of a life insurance policy in Santa Rosa?

    In Santa Rosa, a life insurance policy's power cannot be replaced by a will. The beneficiary named on the life insurance plan often has the right to receive the payment regardless of the wishes expressed in the will. It is recommended to designate a secondary beneficiary on your policy in case the main beneficiary is unwilling or unable to accept the money.

  • What action can you take if your health prevents you from acquiring typical life insurance in Santa Rosa?

    If you are unable to obtain traditional life insurance in Santa Rosa due to your poor medical condition, you should purchase guaranteed-issue life insurance because this type of coverage doesn't require you to go for a medical checkup. Although these policies may cost more than traditional ones, they provide options for individuals who cannot medically qualify for conventional life insurance.

  • 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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