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2024

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Best Life Insurance Companies in Livermore, CA

Our Recommended Top 7

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 Livermore 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.

3909Reviewed

2348Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

312 Saint Mary Street, Pleasanton, CA 94566
WebsiteLicense: 0G86164

Expertise.com Rating

Review Sources

Google
4.9 (14)
Yelp
4.0 (13)
Facebook
5.0 (9)

Why choose this provider?

Serving Livermore, Renee Huber is an insurance and financial agent providing a variety of insurance products to clients in the metro and the surrounding areas. She offers service options such as life, health, and pet insurance. Renee also provides insurance solutions for autos, homes, property, and businesses. Other product options include banking services and mutual funds. Renee Huber leads a team of professionals through the business Renee Huber - State Farm Insurance

  • Life Insurance

325 South I Street, Livermore, CA 94550
WebsiteLicense: 0F91589

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (3)

Why choose this provider?

Ashish Dhawan is an insurance agent with more than 13 years of experience serving Livermore clients. He and his team from State Farm offer term, whole, and universal life insurance coverage options to individuals who want to secure their future. Policies are also available for small businesses, including business continuation, key employees, employee benefits, or key employee incentives. With 30 years of combined experience, the team also specializes in pet, health, and auto insurance. Services are available in English and Hindi.

  • Life Insurance
  • Health Insurance

1643 First Street, Livermore, CA 94550
WebsiteLicense: 0D34755

Expertise.com Rating

Review Sources

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

Why choose this provider?

Cathy Pasut is a Livermore-based insurance agent specializing in various life insurance products. These include whole life insurance that helps clients prepare for their families' future income and expenses. She also assists individuals seeking temporary benefits and coverage by offering term life insurance plans. In addition, Pasut handles universal life, health, and disability insurance products. She has been representing State Farm since 2001 and is licensed to operate in Oregon, California, and Nevada. She also speaks English and Spanish languages.

  • Life Insurance
  • Health Insurance

2150 Trade Zone Boulevard, San Jose, CA 95131
WebsiteLicense: 0L54317

Expertise.com Rating

Review Sources

Google
4.9 (251)

Why choose this provider?

Founded in 1982, American Income Life: AO is an insurance company that's been helping Livermore clients in applying to secure a policy. It serves clients looking for life, accident, and supplemental health insurance plans. It also assists clients in deciding on a plan between whole life or term life insurance coverage to meet their needs. Its mother company, Globe Life, has been in the industry since 1951, serving families, credit or labor unions, and associations. It has 4.3 million policyholders and $86 billion of insurance in force.

2020 Fourth Street, Livermore, CA 94550
WebsiteLicense: 0M28209

Expertise.com Rating

Review Sources

Yelp
5.0 (86)
Google
4.0 (13)
Facebook
4.0 (6)

Why choose this provider?

Gene Morgan Insurance Agency is a family-owned insurance agency that has been serving the residents of Livermore for more than 65 years. It offers term life and universal life insurance, long-term care plans, dental insurance, and vision policies. It also provides disability coverage, Medicare plans, and individual and family health insurance. Owner Mike Morgan has served the Livermore Rotary and Livermore Granada Boosters. Gene Morgan Insurance Agency services English-speaking and Spanish-speaking clients.

  • Life Insurance
  • Health Insurance
  • Individual Plans

5000 Executive Parkway, San Ramon, CA 94583
WebsiteLicense: 0D45501

Expertise.com Rating

Review Sources

Yelp
5.0 (17)
Google
5.0 (1)

Why choose this provider?

Insight Wealth Strategies, LLC, is a financial planning company with offices in several areas, including Livermore. It matches clients with a financial advisor to help them find a life insurance policy that suits their situation and secures their family. To achieve financial goals, they can also get assistance in other areas, such as long-term care, college funding, tax reduction strategies, and wealth and risk management. Operating since 2002, Insight Wealth Strategies has also been guiding clients in the achievement of their retirement goals.

  • Life Insurance

5850 Gloria Way, Livermore, CA 94550
WebsiteLicense: 0A93582

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Resource Insurance Services has over two decades of experience serving individuals and companies in Livermore with life insurance solutions. It offers annuities, long-term care insurance, and disability insurance. It also provides other financial products, including college and retirement plans. Its supplemental employee benefits packages cover health, dental, vision, and voluntary programs. Moreover, Resource Insurance Services has financial calculators for life insurance and retirement savings. It has access to several carriers, such as Cigna, Health Net, Western Health Advantage, and Kaiser Permanente.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Renee Huber
312 Saint Mary Street, Pleasanton, CA 94566
Ashish Dhawan
325 South I Street, Livermore, CA 94550
Cathy Pasut
1643 First Street, Livermore, CA 94550
American Income Life: AO
2150 Trade Zone Boulevard, San Jose, CA 95131
Gene Morgan Insurance Agency
2020 Fourth Street, Livermore, CA 94550
Insight Wealth Strategies, LLC
5000 Executive Parkway, San Ramon, CA 94583
Resource Insurance Services
5850 Gloria Way, Livermore, CA 94550

FAQs

  • What can you do if the Livermore insurance provider continues to bill you after the time period they initially set on your contract?

    Items promised in a deal must be backed by the Livermore insurance firm. When based on non-guaranteed values, promises of "paid up" life insurance are unlawful. Your state's insurance department might be able to help if you can provide proof that the agent made this promise. Any written record containing the commitment, including a casual handwritten note or similar entry by the agent, would be considered documentation.

  • What are the drawbacks of Livermore firms that provide guaranteed life insurance policies?

    Insurance providers in Livermore that offer "guaranteed issue" coverage don't inquire about a customer's medical history. These types of insurance companies offset the risk of having people with poor health availing of their plan by increasing rates or restricting the quantity of insurance they may purchase. Sometimes the premiums are almost as expensive as the insurance. After a few years, policyholders may be paying the insurance firm more than what their beneficiaries would ultimately be entitled to.

  • In Livermore, what happens if you live past the term period you choose for your life insurance policy?

    In Livermore, no benefit will be paid if you live over the term period you choose for your life insurance. Term insurance typically provides a death benefit with no cash value or savings component. However, you might be able to get greater coverage by purchasing term insurance rather than cash-value insurance if you have a restricted budget and just require protection for a limited time.

  • What determines the cost of life insurance in Livermore?

    Age affects the cost of life insurance in Livermore. You will often pay a cheaper premium if you get a policy while you are younger. Your premium is also impacted by factors including your present health, medical history, lifestyle choices, and engagement in risky hobbies. Finally, rates differ between term and permanent insurance and those with added coverage.

  • What types of life insurance riders are available in Livermore?

    In Livermore, a variety of life insurance riders are offered, frequently depending on the specific policy and provider. Examples include the accelerated death benefit rider, which allows policyholders who are terminally ill to receive a certain percentage of the death benefit, and the accidental death benefit rider, which offers the beneficiary a higher death benefit value if the insured dies in an accident. Some firms also offer disability income, waiver of premium, and long-term care riders.

  • 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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