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Best Life Insurance Companies in Oakland, CA

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored Oakland 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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13Top Picks

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Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Oakland
600 Montgomery Street, San Francisco, CA 94111
Visit WebsiteLicense: 0561404

Why choose this provider?

Michael C. Clark is an insurance professional who helps Oakland residents manage their finances and ensure financial security for their families. Clark assists clients in securing life insurance to pay debts and mortgages, maintain living standards, and ensure resources for final expenses. He also handles permanent insurance optimization to help clients fund their financial goals. Clark is a member of NAIFA and is active in community efforts, such as the John Hampton food pantry initiative for food donations.

  • Term Life Insurance
  • Long Term Care
  • Life Insurance

Best Life Insurance Companies Serving Oakland
2221 Harbor Bay Parkway, Alameda, CA 94502
Visit WebsiteLicense: 0L64463

Expertise.com Rating

Review Sources

Google
5.0 (252)
Yelp
5.0 (68)
Facebook
5.0 (18)

Why choose this provider?

Kelly Lux has been working as a State Farm Insurance agent for 26 years, serving clients in Oakland and the surrounding East Bay Area. She and her team have 170 years of combined experience customizing life insurance plans. Their personalized service also includes assisting clients throughout the process of selecting and purchasing auto, renters, and commercial insurance. In the course of her work, Kelly collaborates with organizations like Friends of the Alameda Animal Shelter and the East Bay Board of Realtors Association.

  • Term Life Insurance
  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Oakland
232 Broadway, Richmond, CA 94804
Visit WebsiteLicense: 0675383

Expertise.com Rating

Review Sources

Facebook
4.8 (15)
Yelp
4.0 (4)
Google
5.0 (2)

Why choose this provider?

M. A. Hays, Co., has been in the insurance industry since 1912. It crafts personalized insurance plans for its customers, such as life insurance. Moreover, it provides other personal and business insurance policies. These include homeowners', automobile, commercial property, general liability, and pet industry insurance. It also has numerous carriers under its belt, including Safeco Insurance, Allied Insurance, and The Hartford. In addition, its team is available 24/7 to accommodate any concerns or questions from clients.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Oakland
1470 Civic Ct Ste 350, Concord, CA 94520

Expertise.com Rating

Why choose this provider?

KR Benefits is a health and life insurance agency that serves clients in the Oakland area. The company specializes in employee benefit plans but also offers individual and family plans, as well as a variety of Medicare plans. Working with carriers such as GeoBlue, Western Health, and Blue of California, it provides its clients with a variety of plan options, such as dental, vision, and prescription drug coverage. KR Benefits is a Covered California Certified Insurance Agent.

Best Life Insurance Companies Serving Oakland
1801 Grand St, Alameda, CA 94501

Expertise.com Rating

Why choose this provider?

The Larry Fu Insurance Agency is a family-owned and operated life insurance company near Oakland, with more than 40 years of experience providing independent services and unbiased advice throughout the Bay Area. Its services include helping low-income clients discover if they're eligible for a tax credit on their health insurance, arranging retirement plans that generate incomes for individuals of all ages, and tailoring term life plans that pay off the client's mortgage.

Best Life Insurance Companies Serving Oakland
233 Sansome Street, San Francisco, CA 94104
Visit WebsiteLicense: 0267063

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Calender Robinson Insurance is a general insurance brokerage that has been providing financial solutions in Oakland and nearby areas since 1954. Its insurance brokers have decades of experience in the industry. These representatives offer life and health insurance plans that are customized to suit the client's situation and individual needs. Their personal and commercial insurance services cover properties, vehicles, liability insurance, workers' compensation, and payroll. Lastly, the family-operated business has contacts with over 100 insurance carriers.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Oakland
425 Market Street, San Francisco, CA 94105
Visit WebsiteLicense: 0M93305

Expertise.com Rating

Review Sources

Yelp
5.0 (67)
Google
5.0 (1)

Why choose this provider?

Council Financial & Insurance Services is an insurance company that has been catering to individuals and businesses in Oakland for over 45 years. It offers a wide array of life insurance solutions, including survivorship, term, universal, variable universal, and whole insurance plans. These products include living benefits, such as tax-deferred cash value accumulation. Moreover, Council Financial & Insurance Services also caters to real estate owners and developers by providing estate equalization and planning, ILITs, premium financing, and succession planning.

  • Life Insurance

Best Life Insurance Companies Serving Oakland
550 Park Street, Alameda, CA 94501

Expertise.com Rating

Review Sources

Yelp
5.0 (43)
Google
5.0 (2)

Why choose this provider?

Paragon Financial Planning is a full-service life insurance agency near Oakland that offers a full suite of financial services to individuals and businesses throughout the Greater Bay Area. The agency offers clients a holistic approach to the wealth management and financial planing experience by providing exceptional service, thoughtful solutions to complex financial issues, and education that empowers. It is an independent boutique and offers a variety of products and solutions from multiple companies to fit each client’s specific needs. Paragon Financial Planning is independent, client-focused, and dedicated to the fiduciary standard that requires a CFP® professional to act in the best interests of clients at all times.

Best Life Insurance Companies Serving Oakland
6228 Merced Avenue, Oakland, CA 94611
Visit WebsiteLicense: 0C25369

Expertise.com Rating

Review Sources

Yelp
5.0 (57)
Facebook
4.7 (21)
Google
5.0 (17)

Why choose this provider?

Stephanie Canessa is an insurance agent who serves the needs of individuals, families, and businesses in Oakland. She has been in the industry since 1996 and currently represents State Farm. Stephanie offers a wide selection of products, including life, health, home, auto, and business insurance. She takes her time to get to know her clients to identify their goals and find the policies that fit their needs. In her free time, Stephanie volunteers in local food drives.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Oakland
2 Bates Blvd, Orinda, CA 94563

Why choose this provider?

Life and Income Replacement Specialists since 1970. RWM Insurance serves the Oakland community and greater Bay Area for all of its Life Insurance and Income Replacement/Disability Insurance needs. As an an Oakland-based independent agency, it works with every insurance carrier, ensuring the lowest rates available. It is licensed to offer advice and tailor policies in 33 states. The agency specializes in life insurance and disability insurance. RWM can scour the policies of most of the nation’s biggest insurance carriers to find a wide choice of policies for its personal and business clients, covering everything from income and mortgage/asset protection and college funding to funeral and end-of-life expenses and developing retirement income.

Best Life Insurance Companies Serving Oakland
12006 Broadway Ter, Oakland, CA 94611

Expertise.com Rating

Why choose this provider?

Dawn Fairbanks Insurance Services Inc. is an independent health and life insurance company in Oakland, serving individuals and businesses in the greater Bay Area. It's developed strong links with many of the industry's leading carriers, including Blue Shield and CaliforniaChoice, to offer a wide choice of policies that cover every need, from paying off a mortgage and funding the grandkid's education to meeting Medicare's shortfall and paying for an array of medical treatments.

Best Life Insurance Companies Serving Oakland
12006 Broadway Ter, Oakland, CA 94611
Visit WebsiteLicense: 0C77825

Expertise.com Rating

Review Sources

Yelp
5.0 (19)
Google
5.0 (3)

Why choose this provider?

Carman & Fairbanks Insurance Services Inc is an independent agency serving clients in Oakland. It offers term life insurance policies for individuals and families. Its policies may vary based on age, medical history, lifestyle, and policy term. In addition, it provides risk management options for health, dental, vision, travel, and employee benefits. The company works with a wide range of carriers nationwide, including Kaiser and United HealthCare. It is headed by Dawn Fairbanks, who has been in the insurance industry since 1999.

  • Life Insurance

Best Life Insurance Companies Serving Oakland
Berkeley, CA
Visit WebsiteLicense: 0D28718

Expertise.com Rating

Review Sources

Yelp
5.0 (24)

Why choose this provider?

CJB Insurance Services, Inc., is a full-service life insurance company that services the Oakland area and its surrounding communities. Founder and owner Carly Ebenstein has more than 20 years of industry experience in assisting individuals to make informed decisions about life insurance and getting one for themselves and their loved ones. CJB Insurance Services assists with level term insurance, universal life insurance, and whole life insurance. The company also offers disability and long-term care insurance options.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Michael C Clark
600 Montgomery Street, San Francisco, CA 94111
Kelly Lux
2221 Harbor Bay Parkway, Alameda, CA 94502
M.A. Hays Co.
232 Broadway, Richmond, CA 94804
KR Benefits
1470 Civic Ct Ste 350, Concord, CA 94520
Larry Fu Insurance Agency
1801 Grand St, Alameda, CA 94501
Calender Robinson Insurance
233 Sansome Street, San Francisco, CA 94104
Council Financial & Insurance Services
425 Market Street, San Francisco, CA 94105
Paragon Financial Planning
550 Park Street, Alameda, CA 94501
Stephanie Canessa
6228 Merced Avenue, Oakland, CA 94611
RWM Insurance
2 Bates Blvd, Orinda, CA 94563
Dawn Fairbanks Insurance Services, Inc.
12006 Broadway Ter, Oakland, CA 94611
Carman & Fairbanks Insurance Services Inc
12006 Broadway Ter, Oakland, CA 94611
CJB Insurance Services, Inc.
Berkeley, CA

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Oakland, CA Life Insurance FAQs

  • How will a life insurance payout in Oakland affect your child with special needs?

    A life insurance payout in Oakland may have an impact on any current or future public assistance or disability payments made to your special child. If you name your child as the beneficiary of your life insurance policy, their eligibility for public assistance will be jeopardized. Even a life insurance payout of $100,000 could disqualify your child from receiving the government's financial help.

  • Can you still obtain your accumulated cash value if you cancel your cash value life insurance in Oakland?

    Yes, a cash value life insurance plan in Oakland is a type of permanent life insurance in which a portion of your policy earns interest and may be withdrawn or borrowed in an emergency. If you decide to cancel your cash value life insurance policy, the amount received will be deducted from any outstanding debts, interest, and charges.

  • How long does it take in Oakland for a named beneficiary to receive the proceeds of a life insurance claim?

    Depending on the type of policy, it may take three to five days for a named beneficiary to receive a life insurance claim settlement in Oakland. In addition, if there is any doubt about the cause of death or if the insured died during the contestability term of their policy, the payout date may be delayed.

  • How will a life insurance payout in Oakland affect your Social Security benefits?

    It is determined by the reason you are receiving Social Security benefits. A life insurance payout in Oakland will not normally affect your Social Security benefits if you are receiving them as a result of retirement. However, if you have a disability and use the Supplemental Security Income program, life insurance may reduce your Social Security payout.

  • What are the penalties¬†for¬†lying on your Oakland life insurance application?

    Falsifying information on a life insurance application in Oakland is considered insurance fraud, which can result in coverage denial as well as penalties such as fines and jail time. Furthermore, if you apply for coverage again in the future, the Medical Information Bureau may receive a report of your fraud and notify other providers.