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Best Life Insurance Companies in Fairfield, CA

Our Recommended Top 5

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 Fairfield 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.

5007Reviewed

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5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1000 Texas Street, Fairfield, CA 94533
WebsiteLicense: 0L82016

Expertise.com Rating

Review Sources

Google
5.0 (58)
Yelp
5.0 (1)

Why choose this provider?

Firebird Insurance Solutions LLC is a multi-line insurance company serving the Fairfield metro area. The firm helps clients in protecting their loved ones against future financial mishaps by obtaining a life insurance plan. Its independent insurance brokers represent over 50 companies that can deliver different types of life insurance, such as term life, whole life, indexed and variable universal life, accidental, and final expense life insurance. Some of the company's staff are fluent in Spanish, allowing the firm to cater to Spanish-speaking communities.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

490 Merchant Street, Vacaville, CA 95688
WebsiteLicense: 0M48051

Expertise.com Rating

Review Sources

Google
4.9 (64)
Facebook
5.0 (14)

Why choose this provider?

Eastman Insurance Solutions is a life insurance agency that serves clients from Fairfield. The firm offers whole and term life insurance options to secure clients' financial security in case of an unexpected event. Its team of insurance professionals is well-versed in handling the needs of families, individuals, and small and medium-sized businesses. There are insurance policies for workers' compensation and real estate investors as well. Owned by Shane Eastman, this privately held firm has been operating since 2013.

  • Life Insurance

1300 Oliver Road, Fairfield, CA 94534
WebsiteLicense: 0815560

Expertise.com Rating

Review Sources

Google
5.0 (26)
Yelp
4.5 (16)
Facebook
5.0 (3)

Why choose this provider?

Rena MacDonald is a California-based State Farm insurance agent serving families and individuals in the Fairfield and Suisun areas. Rena has been in the insurance industry for over three decades and is passionate about helping members of the community achieve elevated and stress-free lifestyles. She and her team of trained insurance specialists are adept at assisting individuals in different stages of their lives and with varying needs. They offer exhaustive life insurance packages with options for term, whole, and universal life insurance coverage.

  • Life Insurance
  • Health Insurance

2449 Martin Road, Fairfield, CA 94534
WebsiteLicense: 4044294

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Cory Ellerbee is a life insurance agent who serves clients from Fairfield and its surrounding areas. He provides a wide range of life insurance such as universal, whole, and term. Aside from life insurance, Ellerbee also offers plans for vehicles, businesses, condominiums, and renters. Ellerbee served in the United States Air Force for eight years and is a Fairfield/Suisun Chamber of Commerce member. He now owns the Cory Ellerbee Insurance Agency, a full-service Farmers Insurance agency that has been operating since May 2020.

  • Life Insurance

2581 Nut Tree Road, Vacaville, CA 95687
WebsiteLicense: 0713336

Expertise.com Rating

Review Sources

Google
4.0 (44)
Yelp
3.0 (5)

Why choose this provider?

Barbara Lightfoot-Nielsen is an insurance agent who works with State Farm and serves clients in the Fairfield area. She offers comprehensive insurance policies, which include life, properties, homes, and health. She also provides risk protection plans for mutual funds, banking, and annuities. She and her members are committed to delivering personalized and customized solutions that suit every client's needs and goals. Lightfoot-Nielsen has been working with State Farm since 1987. She is heavily involved with community-based organizations such as the Vacaville Swim Club.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Firebird Insurance Solutions LLC
1000 Texas Street, Fairfield, CA 94533
Eastman Insurance Solutions
490 Merchant Street, Vacaville, CA 95688
Rena MacDonald
1300 Oliver Road, Fairfield, CA 94534
Cory Ellerbee
2449 Martin Road, Fairfield, CA 94534
Barbara Lightfoot-Nielsen
2581 Nut Tree Road, Vacaville, CA 95687

FAQs

  • What is the typical procedure for buying life insurance in Fairfield?

    In Fairfield, getting life insurance often begins with a medical examination that includes obtaining anthropometric measurements, blood and urine samples, blood pressure, and other senior evaluations for individuals over 71. You could also be questioned about your hobbies, insurance history, and personal and family medical histories. Then, the insurance company's underwriter will determine your eligibility and calculate your premium. 

  • What is the typical cost of life insurance in Fairfield?

    A healthy 25-year-old should expect to pay around $27 per month or $330 yearly for a 20-year term insurance with a $250,000 face value. Premiums may increase for older individuals, those with comorbidities, and those with risky hobbies. Generally, the cost of life insurance in Fairfield varies significantly based on factors including age, medical history, policy type, and level of coverage.

  • What happens if you don't make your Fairfield monthly life insurance premium payments?

    The insurance company has the right to cancel your policy or let it expire if you don't pay your monthly premiums for life insurance or other types of insurance in Fairfield. California lawmakers mandate that insurance firms provide consumers a grace period of 60 days before canceling a policy for failure to make payments in order to prevent exploitation.

  • Are cancellations of life insurance policies permitted in Fairfield?

    Fairfield policyholders have the option to discontinue their life insurance plan within 30 days from the date of purchase. This is in accordance with the California Insurance Code, which stipulates how life insurance firms must manage payouts and claims while also giving policyholders certain rights. The right to have insurance restored after it has expired is also provided under this code.

  • Is a medical exam a requirement for Fairfield life insurance applications?

    Most Fairfield life insurance plans call for a medical examination to assess an individual's eligibility for coverage. Nevertheless, no-medical-exam life insurance plans are still offered by some companies. Because the company is taking on additional risk, these life insurance policies are often more expensive than the conventional ones. For healthy people who want coverage but not the burden of a medical test, no medical exam life insurance is often a good option.

  • 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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