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2024

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Best Life Insurance Companies in Fremont, CA

Our Recommended Top 14

We did the research for you!

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

10297Reviewed

6183Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

39812 Mission Blvd Ste 101, Fremont, CA 94539

Expertise.com Rating

Review Sources

Google
4.0 (4)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

TWFG Insurance Services, a life insurance company in Fremont, helps its customers find the best possible coverage to meet their objectives, whether protecting an asset or preparing for retirement. This team of licensed independent insurance agents have access to top insurance carriers, making it easy to compare the available policies for each client to determine coverage options. In addition to life insurance, the agency's dedicated brokers can help customers find policies for auto, home, renters, business, yacht, antique car, and commercial restaurant needs, among others. The agency was dubbed a 2016 Best of Fremont Winner. A short form on the agency's website starts the quote process.

39510 Paseo Padre Pkwy Ste 240, Fremont, CA 94538

Expertise.com Rating

Review Sources

Yelp
4.0 (13)

Why choose this provider?

MCIS Multichoice Insurance Services is a life insurance company in Fremont. It primarily helps its customers find needed coverage from whole, universal, and term life policy options. In addition, this independent insurance agency assists customers in navigating state and federal health insurance exchange systems to find policies that suit their budgets and their needs. Plans for individuals and families are available, including medical insurance, short-term medical insurance, group medical policies, dental, and vision plans. This trusted agency also provides assistance with state-sponsored health insurance programs in California. Its customer service team offers help with claims, forms, cancellations, and policy corrections.

37371 Fremont Boulevard, Fremont, CA 94536

Expertise.com Rating

Review Sources

Google
4.3 (15)

Why choose this provider?

Noori Insurance Agency Inc. is an insurance company that has been providing residents and business owners of Fremont with quality financial planning solutions since 1995. The company offers an assortment of insurance packages, including auto, life, commercial, business, annuity, and long-term care. It also provides personalized and customized insurance coverage tailored to the unique needs and circumstances of each client. Noori Insurance Agency represents an impressive roster of clientele which includes TRANSAMERICA and Voya Financial.

3860, 675 Ygnacio Valley Road, Walnut Creek, CA 94596
WebsiteLicense: 0L96000

Expertise.com Rating

Review Sources

Facebook
4.0 (37)
Google
4.0 (9)

Why choose this provider?

Larson Family Insurance is an insurance company that serves clients throughout Fremont and the surrounding areas. This full-service brokerage offers many personal insurance products, including life and health insurance and personal umbrella insurance. This independent agency represents an extensive range of life insurance carriers to provide clients multiple options for insurance coverage. Company founder Roger Larson started the business in 2010. Today, the company is now comprised of a team of 13 insurance specialists.

  • Life Insurance

39159 Paseo Padre Parkway, Suite 309, Fremont, CA 94538
WebsiteLicense: 0490102

Expertise.com Rating

Why choose this provider?

Desousa Financial provides investment products and services to individuals and families in the Fremont metro and the surrounding communities. It offers a selection of personal lines of insurance, including life, individual and group health, long-term care, and disability income policies. The company also deals with financial services, including money management, tax and retirement planning, profit-sharing, and money purchasing planning. Owner John de Sousa is a registered financial professional who has been in the industry for over 40 years.

  • Life Insurance

3900 Union Street, Fremont, CA 94538

Expertise.com Rating

Review Sources

Yelp
4.5 (17)
Google
5.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Aman Kashyap, State Farm Insurance Agent, is an agency that sells health insurance coverage in Fremont. Its agents help clients to apply for health insurance with State Farm and advise them on the kinds of policies available and their options based on their health circumstances. Aman Kashyap, State Farm Insurance Agent, also sells life insurance policies and can help clients to purchase adequate coverage for themselves and for their loved ones. Auto and homeowners insurance policies are available.

39668 Cedar Boulevard, Newark, CA 94560

Expertise.com Rating

Why choose this provider?

Wai Cheng Insurance Agency is an independent insurance agency serving in Fremont with a wide variety of insurance policies. The company's agents help its clients find the right insurance policy for houses, condos, and automobiles at competitive rates. They also help clients combine several policies to create a unique insurance package that suits their needs. Wai Cheng Insurance Agency is partnered with several insurance carriers including DB Insurance, American Modern, Tokio Marine America, BlueCross BlueShield, and CSE Insurance Group.

3650 Thornton Ave, Thornton Plaza, Fremont, CA 94536
WebsiteLicense: 0F97309

Expertise.com Rating

Review Sources

Google
4.8 (100)
Facebook
4.7 (19)
Yelp
4.7 (18)

Why choose this provider?

Ninna Chugh is a State Farm insurance agent serving the Fremont community. She offers term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available for small businesses for different purposes such as business continuation, employee benefits, and key employee incentives. In addition to 24-hour assistance in exploring different types of insurance coverage options, Chugh and her team communicate with clients in English, Tagalog, Indian, and Spanish.

  • Life Insurance
  • Health Insurance

42808 Christy St Ste 112, Fremont, CA 94538

Expertise.com Rating

Review Sources

Yelp
4.0 (45)
Google
4.0 (13)
Facebook
5.0 (5)

Why choose this provider?

Amazing Wealth Insurance Agency in Fremont, also doing business as eHealth-Plans Inc., offers insurance products from a network of trusted insurance carriers. Founded by Simon Chew, CIC, an agent with more than 30 years of experience in the insurance sector, Amazing Wealth Insurance Agency specializes in life and health insurance plans to meet the needs of its client base. Its personal lines include individual health insurance, Medicare supplement plans, Medicare Advantage plans, and whole life and term life insurance. Mr. Chew was recognized for four years running as an A-List Blue Agent for dedication to his clients, and he is a licensed broker for Blue Shield of California.

3100 Mowry Avenue, Fremont, CA 94538
WebsiteLicense: 0B87630

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Elite Financial Insurance Group is a professional insurance and wealth management company that serves residential and commercial clients in Fremont. The company offers several lines of insurance products and services, including business planning, life and disability coverage, full-service financial planning, and investment services. The company comprises a team of professionals who work together to provide clients with seamless and practical solutions that assist in achieving their financial objectives. Elite Financial Insurance Group is an affiliate of OneAmerica Financial Partners. 

  • Life Insurance

4588 Peralta Boulevard, Fremont, CA 94536

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Golden Benchmark is an insurance agency located in Fremont. With more than three decades of industry experience, this company offers insurance products for directors and officers, workers' compensation, properties, health, and professional liability needs. Its general liability coverage includes accidental and bodily injuries, lawsuits, and property damages, protecting businesses from the potential financial impact. Individual and group health insurance are also available. Golden Benchmark has served the insurance needs of different businesses, including Autumn Information Systems and Digital Loggers, Inc.

39812 Mission Boulevard, Fremont, CA 94539

Expertise.com Rating

Review Sources

Yelp
5.0 (3)

Why choose this provider?

For over 40 years, BLV Insurance Services has been providing clients in and around Fremont and the San Francisco Bay Area with their insurance needs. From individuals and families to small business groups, this family-owned insurance agency has served numerous customers throughout the years. The company's team offers clients dental, health, and travel insurance, as well as Medicare supplement insurance. Among the insurance companies the company partners with are Anthem BlueCross, Blue California, Delta Dental, and Kaiser Permanente.

501 Seaport Ct Ste 101, Redwood City, CA 94063

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

CB Acker Associates works with Fremont clients in need of life and health insurance products. Founder Chris Acker has more than 35 years of experience in the insurance industry. The agency offers both term life insurance and permanent, whole life insurance policies. In addition, it offers medical insurance for individuals and families. The agency's website features an online quote generator to help start the quote process. Some insurance carriers in CB Acker Associates' portfolio include Legal & General, Protective, AIG, Lincoln Financial Group, North American Company for Life and Health Insurance, and Transamerica. The agency has been featured on ABC, CBS, NBC, and Fox.

38970 Blacow Road Suite A, Fremont, CA 94536
WebsiteLicense: 0F20511

Expertise.com Rating

Review Sources

Google
4.8 (49)
Facebook
5.0 (15)
Yelp
4.5 (13)

Why choose this provider?

Rexie Tagayuna is a State Farm insurance agent serving Fremont and surrounding communities. For more than 20 years, she has been providing term, whole, and universal life insurance coverage options to individuals who want to financially secure their future. The policies are also available for small businesses for different purposes, such as business continuation, employee benefits, and key employee incentives. Rexie Tagayuna's office also serves as a notary public. Services are available in English, Tagalog, and Ilocano.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
TWFG Insurance Services
39812 Mission Blvd Ste 101, Fremont, CA 94539
MCIS Multichoice Insurance Services
39510 Paseo Padre Pkwy Ste 240, Fremont, CA 94538
Noori Insurance Agency Inc.
37371 Fremont Boulevard, Fremont, CA 94536
Larson Family Insurance
3860, 675 Ygnacio Valley Road, Walnut Creek, CA 94596
Desousa Financial
39159 Paseo Padre Parkway, Suite 309, Fremont, CA 94538
Aman Kashyap - State Farm Insurance Agent
3900 Union Street, Fremont, CA 94538
Wai Cheng Insurance Agency
39668 Cedar Boulevard, Newark, CA 94560
Ninna Chugh
3650 Thornton Ave, Thornton Plaza, Fremont, CA 94536
eHealth-Plans Inc. / Amazing Wealth Insurance Agency
42808 Christy St Ste 112, Fremont, CA 94538
Elite Financial Insurance Group
3100 Mowry Avenue, Fremont, CA 94538
Golden Benchmark
4588 Peralta Boulevard, Fremont, CA 94536
BLV Insurance Services
39812 Mission Boulevard, Fremont, CA 94539
CB Acker Associates
501 Seaport Ct Ste 101, Redwood City, CA 94063
Rexie Tagayuna
38970 Blacow Road Suite A, Fremont, CA 94536

FAQs

  • What are the benefits of the variable universal life insurance policy in Fremont?

    In Fremont, the variable universal life insurance policy provides death benefits for the policyholder's beneficiaries when they die. It also has a long-term investment advantage, offering cash value accumulation that can be allocated across various investment options. However, the principal and investment value under the variable life insurance coverage fluctuates, resulting in the units being worth less than or more than the original cost when surrendered.

  • How do providers convert a term life insurance plan into a permanent one in Fremont?

    Before converting a term insurance policy to a permanent policy, life insurance companies in Fremont may require policyholders to take a medical exam. Their underwriters also determine the applicant's risk classification and examine their medical history. Life insurance policies are convertible between the ages of 60 and 70, and their allowance percentages do not include riders or supplement benefits. However, the cost of premiums is determined by the chosen insurance coverage as well as the applicant's gender and age.

  • In Fremont, who is responsible for paying the policyholder's claim if their insurer becomes insolvent?

    When a policyholder's provider goes bankrupt, the California Life and Health Insurance Guarantee Association and The California Insurance Guarantee Association must pay and review their claims. Each insurance claim is valued in accordance with statutory requirements and policy provisions and is limited to $500,000. Insurance claims that exceed the limit or are not covered by the listed associations, on the other hand, will be the responsibility of the Conservation and Liquidation Office.

  • What are the penalties for life insurance fraud in Fremont?

    Life insurance fraud, which includes faking a death, filing a false insurance claim, and failing to disclose a health condition, is classified as a misdemeanor or felony in Fremont, with varying penalties depending on the circumstances. For example, life insurance fraud with a charge of less than $950 carries a fine of up to $10,000 and a year in prison. Meanwhile, those cases involving more than $950 in damages must pay $50,000 or double the amount of fraud and face up to five years in prison.

  • What is a deferred annuity in life insurance policies in Fremont?

    A deferred annuity is money paid to a person from the accumulated interest on their Fremont life insurance policies. This has tax benefits and can be paid in monthly installments to supplement retirement income. A fixed deferred annuity is money that will be accumulated at a set interest rate. A variable annuity, on the other hand, is money that will be distributed to various investment accounts, such as bonds, money-market instruments, and common stocks.

  • 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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