Expertise.com
2024

Last updated:

Best Life Insurance Companies in Tracy

Our Recommended Top 9

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 Tracy 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.

3865

Reviewed

2322

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
18 West 11th Street, Tracy, CA 95376
  • Life Insurance
  • Health Insurance
  • Group Plans

Why choose this provider?

Anderson Insurance is an insurance agency located in Tracy. It helps customers with policies that provide security through different life stages. Life, health, and dental insurance for personal, family, or group coverage are among its products. It also handles automobile, commercial, dwelling, and flood insurance as well as escrow processes. Anderson Insurance partners with a wide selection of companies, including Nationwide, MetLife, Kemper, American Modern, and Travelers. Its insurance advisors are fluent in English and Spanish.

License Verified:

License: 0L46015

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 (9)
Yelp
5.0 / 5 (7)
Google
5.0 / 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

Website
1005 East Pescadero Avenue, Tracy, CA 95304
  • Health Insurance

Why choose this provider?

Avantika's Insurance Agency is a woman-run insurance company serving the residents of Tracy and the surrounding areas. It offers a broad range of life insurance policies from its network of providers and helps clients obtain coverages from carriers such as Pacific Life, Protective Life Insurance Company, and Prudential. Its team of agents compares different policies and premiums and identifies the right match for its clients. They also provide health, auto, home, and renters' insurance policies.

License Verified:

License: 0L81921

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 (2)
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
474 West Grant Line Road, Tracy, CA 95376
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Insurance Store is an independent insurance agency in Tracy. It helps individuals, families, and business owners in acquiring insurance appropriate to them. It works in all lines of insurance, such as life, health, personal, and business as well as commercial trucking. Founded in 1973 by Norven and Cheryl Storr, it started operating under the name, The Insurance Store, in 1978. The agency is now being run by husband and wife Brent and Tiffani Storrs Thunstrom, who are committed to upholding the legacy and the values of her parents' company.

License Verified:

License: 0E08834

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.
4.8
Facebook
4.9 / 5 (49)
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

Website
2680 North Tracy Boulevard, Tracy, CA 95377
  • Life Insurance
  • Health Insurance

Why choose this provider?

TCS Insurance Brokers is a full-service company that provides insurance products and services to business owners and individuals in the Tracy metro. In addition to life insurance, it helps its clients acquire other personal policies, such as homeowners', renters', auto, collector vehicle, and health insurance. The company's agents also handle business insurance plans and DMV services, including vehicle registration, license plate replacement, and title transfer. TCS Insurance Brokers has been dealing with insurance solutions since 2007.

License Verified:

License: 0F53636

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.
4.8
Google
5.0 / 5 (101)
Yelp
4.5 / 5 (23)
Facebook
4.0 / 5 (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
2453 Discovery Bay Boulevard, Discovery Bay, CA 94505
  • Life Insurance
  • Health Insurance

Why choose this provider?

The 1Ne and Only Insurance Solutions is an insurance company that provides a comprehensive range of insurance services to its consumers in the Tracy Metropolitan area. Its services include health, auto, house, business, and life insurance, and it caters to its clients' individualized and standardized backup needs. The company has been offering financial solutions and has modest offices throughout Southern California for 20 years. It aims to build relationships with clients based on trust and to provide personalized services.

License Verified:

License: 0H89481

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)

Website
359 West 11th Street, Tracy, CA 95376
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bob Hosier is a State Farm insurance agent based in Tracy. His industry experience dates back to 1978. He attends to the financial concerns of clients by providing life insurance programs for future financial security. He offers term life, universal life, and whole life policy options depending on the clients' needs and budget. Additionally, the agent is experienced in banking, homeowners insurance, personal property insurance, car insurance, and health insurance. Hosier is a National Convention Qualifier and Life Honor Agent.

License Verified:

License: 0675806

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.
3.0
Google
3.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1137 Adam Street, Tracy, CA 95376
  • Life Insurance

Why choose this provider?

Monagan Miller McCreary Insurance is an independent insurance agency that services Tracy and the rest of California. It offers term life insurance, whole life insurance, universal life insurance, and child life insurance. Additionally, it provides home insurance, auto insurance, umbrella insurance, and excess liability insurance. President Sean McCreary is an Accredited Advisor in Insurance and Associate of Risk Management who has been working in the insurance industry for more than three decades.

License Verified:

License: 0544768

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
Google
4.0 / 5 (12)
Facebook
4.0 / 5 (12)
Yelp
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
2880 North Tracy Boulevard, Tracy, CA 95376
  • Health Insurance
  • Group Plans

Why choose this provider?

Cumbre Insurance Services is a full-service risk management and insurance brokerage company serving the Tracy metro area. The firm assists individuals, families, and businesses with surpassing medical challenges by offering a variety of health insurance plans. A partner of Acrisure LLC, the agency delivers different types of health insurance, including fee-for-service, managed care, PPO, POS, and HSA. The team also offers group health coverage for dental, disability, and voluntary benefits. The company has been serving clients since 1984.

License Verified:

License: 0K07568

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 (15)
Google
4.0 / 5 (9)
Facebook
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
450 West Larch Road, Tracy, CA 95304
  • Life Insurance
  • Health Insurance

Why choose this provider?

Renee Davidson is a life insurance agent who serves clients from Tracy and nearby areas. Davidson offers several types of life insurance such as universal, whole, and term. She also has a wide selection of insurance plans for homeowners, renters, pets, and vehicles. Davidson has been working as an agent for State Farm Insurance since 2002. To give back to the community, she volunteers for various local organizations like Adopt a Highway and Haven of Hope.

License Verified:

License: 0D31399

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
Yelp
4.0 / 5 (14)
Google
5.0 / 5 (8)

Frequently Asked Questions

  • Can the court order you to purchase a life insurance policy during your divorce in Tracy?

    The court may order you to purchase a life insurance policy during your divorce in Tracy if the children are still dependent on the spouses, there is a significant disparity between the spouses’ financial capacities such that one spouse may not be able to support the children, and if a spouse is of unstable health or advanced age.

  • How does a DUI conviction affect your life insurance in Tracy?

    If you are shopping for life insurance in Tracy and had a DUI conviction in the last 10 years, expect your premium quotes to be higher than average. Having a DUI on record represents an enhanced risk. You may even be denied insurance if it’s only been a year since your arrest or conviction. Your life insurance rate won’t stay high forever, and you may see some decrease around five years after your DUI conviction.

  • Why is it not advisable to designate your child with special needs as a beneficiary of your life insurance in Tracy?

    If your special needs child is receiving or may be eligible to receive government aid in Tracy, such as Medicaid, naming them as your life insurance beneficiary may eventually result in the removal of those government benefits. Once they receive your death benefit in the future, their assets may increase to the point where they are no longer eligible for government support. Instead, you should create a trust for your child and list that trust as your beneficiary.

  • Will you be notified if your life insurance company goes out of business in Tracy?

    Policyholders of an insolvent insurance company in Tracy will be notified by the Department of Insurance. The California Life and Health Insurance Guarantee Association will then take over your policy or hand it to another insurance company. Throughout this process, you should keep your premium payments current so your insurance coverage is uninterrupted.

  • What is the contestability period indicated on your policy in Tracy?

    The contestability period indicated on your policy refers to a timeframe, usually two years, for the Tracy insurer to find fraud, omissions, or mistakes on your insurance application. Once the contestability period ends, your insurance claims cannot be denied except for the reason of premium nonpayment. However, if you pass away while the contestability period is ongoing, it may delay the payout of your death benefit, or, if material misrepresentation is found, may deny your beneficiary's claim for the benefit.

  • 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.

Related Articles

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...