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2024

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Best Life Insurance Companies in Berkeley, CA

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 Berkeley 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

3581 Mount Diablo Boulevard, Lafayette, CA 94549
WebsiteLicense: 0568789

Expertise.com Rating

Why choose this provider?

Judy Francis is an insurance agent for State Farm. With almost a hundred years of experience in providing personal and business insurance, State Farm now proudly has 19,000 agents across the country. As part of its team, Judy offers her services to the residents of Berkeley. Her focus is on life, auto, home and property insurance. She also offers coverage for pets and businesses. In addition, Judy is knowledgeable about banking and mutual funds.

  • Life Insurance
  • Health Insurance

925 Village Center, Lafayette, CA 94549
WebsiteLicense: 0M34294

Expertise.com Rating

Review Sources

Yelp
4.0 (8)
Facebook
5.0 (4)

Why choose this provider?

Kelley Reed is a State Farm insurance agent who serves the financial and insurance needs of residents in Berkeley, Lafayette, and the surrounding areas. She has been a team member at State Farm for more than a decade. Kelly and her team of insurance professionals help individuals prepare for adverse financial consequences if a tragedy happens. They offer term, whole, and universal life insurance products that give temporary or lifetime protection to the policyholders. Additionally, they have auto, commercial, and homeowners' insurance products.

  • Life Insurance
  • Health Insurance

2022 University Avenue, Berkeley, CA 94704
WebsiteLicense: 0K90194

Expertise.com Rating

Review Sources

Yelp
5.0 (78)
Google
5.0 (12)

Why choose this provider?

Health & Integrative Insurance Solutions, Inc., has been serving individuals, families, and small employer groups in Berkeley since 2012. It is owned by Ezra Herzog, who is an independent broker and advisor with a professional background in financial planning. Herzog helps clients in securing the life insurance coverage that meets their needs. He also offers assistance with health insurance plans and Medigap policies. Moreover, his other services include group health insurance and employee benefits, such as vision care and disability insurance.

  • Life Insurance

600 San Pablo Avenue, Albany, CA 94706
WebsiteLicense: 0E71214

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Ruben Leon Insurance Agency is an insurance brokerage that serves clients in Berkeley and surrounding areas. The Albany-based agency partners with different insurance carriers to give clients options that suit their needs. It offers an array of risk management options, including life, health, auto, and home insurance. Additionally, it provides farm and ranch insurance, flood insurance, and business insurance coverage. Clients can make payments, file claims, change their addresses, and request insurance certificates through the agency's website.

  • Life Insurance
  • Health Insurance

3557 Mount Diablo Boulevard, Lafayette, CA 94549
WebsiteLicense: 0F27222

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (1)

Why choose this provider?

Mt. Diablo Insurance Brokers, Inc., is a full-service independent brokerage company that offers permanent and term life insurance plans to residents of Berkeley. It also provides a broad range of other personal and business insurance options, including health, recreational vehicle, commercial property, professional liability, and workers' compensation insurance. The professionals at Mt. Diablo Insurance Brokers, Inc., can also assist with individual and group health insurance for employees. It represents different carriers, such as Allied Insurance, Travelers, and Safeco Insurance.

  • Life Insurance
  • Health Insurance

3435 Mount Diablo Boulevard, Lafayette, CA 94549
WebsiteLicense: 0H23452

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Yelp
5.0 (2)

Why choose this provider?

Kosich Family Insurance Services is an independent insurance agency that serves Berkeley and the surrounding metros. Founded in 1946 by Walter Kosich, the family-operated business prioritizes the client's needs and provides personalized service. Its network consists of over 75 insurance carriers, all with varying policies that can be tailored to each client's situation. Kosich's insurance agents have experience handling policies involving universal life insurance, term life insurance, and whole life insurance. The agency also caters to businesses.

  • Life Insurance
  • Health Insurance

6023 College Avenue, Oakland, CA 94618
WebsiteLicense: 0G89287

Expertise.com Rating

Review Sources

Yelp
4.0 (46)

Why choose this provider?

Avail Insurance Solutions provides personal and commercial insurance coverages to Berkeley residents. It offers life insurance, umbrella insurance, auto insurance, condo insurance, and health insurance. In addition, it handles commercial liability coverage, business owners' policies, and worker's compensation insurance. The independent brokerage shops multiple A-rated insurance providers to find the most suitable coverage for its customers. Its partner carriers include Safeco Insurance, Stillwater Insurance Group, Mapfre Insurance, and Mercury Insurance. Avail Insurance Solutions is a Bay Area Certified Green Business.

  • Life Insurance

1767 16th Street, Oakland, CA 94607
WebsiteLicense: 0G09898

Expertise.com Rating

Review Sources

Yelp
4.5 (10)
Google
4.3 (6)
Facebook
5.0 (2)

Why choose this provider?

David E. Quan Agency, Insurance Brokers, Inc., is an independent insurance firm that serves clients in the Berkeley area. It offers comprehensive life insurance plans to help customers ensure that their family's future is protected. Its policies include whole life, universal life, and term life insurance. The agency also provides risk protection packages for renters, recreational vehicles, commercial properties, and commercial umbrellas. It has been in operation since 1955 and continues aiming to deliver unique and honest service to every customer.

  • Life Insurance

3940 High Street, Oakland, CA 94619
WebsiteLicense: 0769539

Expertise.com Rating

Review Sources

Google
4.0 (16)
Yelp
5.0 (8)
Facebook
5.0 (1)

Why choose this provider?

Kristen Law is a life insurance agent serving residents in the Berkeley area. She works under State Farm, an insurance company that has been striving to deliver suitable policies for its customers since 1922. Her insurance plans also include auto, health, home, pet, business, and property insurance. As a Chartered Advisor for Senior Living, she caters to older clients, assisting them in their search for financial security. During her free time, she conducts ESL and US citizenship preparation classes for new immigrants.

  • Life Insurance

2 Bates Boulevard, Orinda, CA 94563
WebsiteLicense: 0414671

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

RWM Insurance is a life insurance firm that serves clients in Berkeley and nearby areas. The firm provides several types of life insurance such as universal, whole, and term. A wide range of coverage options for disability and income replacement insurance plans are also available. This independent insurance agency has been providing insurance solutions to the community since 1970. It represents various insurance carriers, including Ohio National Financial Services, Lincoln Financial Group, and John Hancock.

  • Life Insurance

4685 Telegraph Avenue, Oakland, CA 94609
WebsiteLicense: 0515724

Expertise.com Rating

Review Sources

Yelp
4.5 (134)
Google
4.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Brignole & Ghiri Insurance is an independent agency that helps Berkeley clients shop for life insurance policies. These include term life, whole life, and universal options, depending on their needs. In addition to life insurance, the company helps clients secure coverage of their properties through homeowners', renters', condos, earthquake, flood, and umbrella insurance solutions. Business owners can also rely on this team if they need surety bonds, workers' compensation, and general liability insurance.

  • Life Insurance

1654 Solano Avenue, Albany, CA 94707
WebsiteLicense: 0B17071

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Founded in 1888, Harold L Lee & Sons Inc. is an insurance brokerage that serves clients in Berkeley. The family-owned agency partners with multiple insurance carriers, such as Aetna and Cigna, to offer a range of insurance solutions, including life insurance, business insurance, and identity protection. The agency has an office in Northern and Southern California, and its staff can speak English and Chinese. Its CEO and chairperson, Sandra K. Lee, is the first woman CEO of the firm. She is also a registered nurse.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Judy Francis
3581 Mount Diablo Boulevard, Lafayette, CA 94549
Kelley Reed
925 Village Center, Lafayette, CA 94549
Health & Integrative Insurance Solutions, Inc.
2022 University Avenue, Berkeley, CA 94704
Ruben Leon Insurance Agency
600 San Pablo Avenue, Albany, CA 94706
Mt. Diablo Insurance Brokers, Inc.
3557 Mount Diablo Boulevard, Lafayette, CA 94549
Kosich Family Insurance Services
3435 Mount Diablo Boulevard, Lafayette, CA 94549
Avail Insurance Solutions
6023 College Avenue, Oakland, CA 94618
David E. Quan Agency, Insurance Brokers, Inc.
1767 16th Street, Oakland, CA 94607
Kristen Law
3940 High Street, Oakland, CA 94619
RWM Insurance
2 Bates Boulevard, Orinda, CA 94563
Brignole & Ghiri Insurance
4685 Telegraph Avenue, Oakland, CA 94609
Harold L Lee & Sons Inc
1654 Solano Avenue, Albany, CA 94707

FAQs

  • How does life insurance benefit families and individuals in Berkeley in terms of financial security?

    Life insurance provides financial stability for both individuals and families in Berkeley because of its cash value feature, which can function as a source of savings. Furthermore, it can serve various purposes, including covering taxes, facilitating charitable donations, and offering essential financial support to dependents and partners facing income loss.

  • What provisions of the California Insurance Code regulate the sale and administration of life insurance policies in Berkeley?

    The California Insurance Code gives Berkeley residents some important protections, including the ability to cancel a policy within 30 days of purchasing it. In addition, insurance companies cannot treat people unfairly based on things like their race, religion, or gender when they apply for insurance. Carriers are also required to disclose important information to policyholders, including how much money their families would get if something happened to them and how much they need to pay for the insurance.

  • How can Berkeley life insurance policyholders donate their policies to organizations?

    Berkeley residents who own life insurance policies can designate an organization as both the owner and beneficiary of their current policy. This makes them eligible for a federal income tax charitable deduction. Alternatively, policyholders can acquire a new life insurance policy and choose an organization to be the owner and beneficiary of the insurance contract. This approach may hold particular appeal for younger donors.

  • Are there life insurance policies in Berkeley that do not require medical examination?

    Yes, but these policies tend to come at a higher cost compared to the conventional life insurance options accessible to residents of Berkeley. The higher premiums for this insurance variant are attributed to insurance companies assuming greater levels of risk. Non-medical exam life insurance is typically most suitable for individuals in good health seeking coverage without the inconvenience of undergoing a medical examination.

  • Is a medical exam required for employer-sponsored life insurance in Berkeley and the state of California?

    Typically, obtaining life insurance through employment in Berkeley and the state of California does not require a medical examination. This type of insurance can also come at a more affordable cost compared to individual coverage. In accordance with California regulations, group life insurance must offer the option for conversion to permanent insurance if the insured's group policy coverage concludes.

  • 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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