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2024

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Best Life Insurance Companies in San Jose, CA

Our Recommended Top 16

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 San Jose 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.

42010Reviewed

25212Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1092 Scott Blvd, Santa Clara, CA 95050

Expertise.com Rating

Review Sources

Yelp
4.5 (25)
Facebook
5.0 (5)

Why choose this provider?

Be Well Insurance Solutions is a full-service health insurance agency serving San Jose and the neighboring cities. It specializes in individual health insurance, group health insurance, and Medicare plans. The agency has built relationships with carriers who specialize in health care policies, such as Blue Shield, Kaiser, and Health Net. Its agents are free to objectively compare rival policies, provide impartial advice, and support clients in disputes with their insurance carriers.

San Jose, CA
WebsiteLicense: 0733383

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Cal-Valley Insurance Services is an independent insurance provider serving individuals and families in San Jose and the surrounding communities. Established in 1984, the company helps clients obtain life insurance policies that will keep them financially supported even during unpredictable life events. Insurance types offered include term, universal, and whole life insurance, which all vary in terms of period, flexibility, and limits. Cal-Valley Insurance Services also provides other personal insurance plans for cars, homes, and valuable possessions.

  • Life Insurance

950 S Bascom Ave Ste 2112, San Jose, CA 95128

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Silicon Valley Financial Group is a family-owned life insurance company in San Jose, founded in 1953 to help individuals plan for their financial futures and protect their estates for descendants. The agency has experience in many forms of insurance, from arranging individual life plans and policies that cover disability and long-term care to designing group health products and a wide range of retirement plans. It can also help to arrange college funding and profit-sharing plans.

1465 Park Avenue, San Jose, CA 95126
WebsiteLicense: 0I36162

Expertise.com Rating

Review Sources

Yelp
4.8 (239)
Google
5.0 (155)

Why choose this provider?

Angela Frangieh runs an agency through State Farm. She caters to individuals, families, and businesses in San Jose and the surrounding communities. Her line of products includes term, whole, and universal life insurance policies, which can pay for college, debts, and mortgages. Frangieh also provides property, pet, home, health, and auto insurance plans. Her agency has been a qualifier for various State Farm awards, including Ambassador Travel and Lifetime President’s Club. Her team includes Spanish-speaking members, allowing it to serve a broader range of clients.

  • Life Insurance
  • Health Insurance
  • Personal Insurance

1982 Senter Rd, San Jose, CA 95112

Expertise.com Rating

Review Sources

Yelp
4.0 (22)

Why choose this provider?

A New World of Opportunity Team is an independent life insurance agency in San Jose associated with the World Financial Group Inc. Its agents offer an array of services, such as comparing the life insurance policies of multiple carriers, providing clients with impartial advice, and helping individuals enroll in health plans through California Covered. The agency also specializes in arranging insurance policies for commercial clients, drivers, and homeowners throughout the Bay Area.

17510 Farley Road West, Los Gatos, CA 95030
WebsiteLicense: 0338880

Expertise.com Rating

Review Sources

Yelp
4.0 (10)
Facebook
5.0 (2)

Why choose this provider?

Don Williams & Associates is a family-owned and family-operated life insurance company serving San Jose and its surrounding areas since 1961. It offers an extensive array of personal insurance services that cover vehicles, homeowners, life, travel, and specialty dwelling options. It also has business insurance services including professional liability, workers compensation, contractors, builders risk, and business property insurance. Don Williams & Associates partners with mortgage brokers and Realtors who function as part of the company's in-house team.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

2055 Junction Avenue, San Jose, CA 95131
WebsiteLicense: 0B45304

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Shepherd & Associates Insurance Services, Inc. is an independent agency that provides insurance solutions for the public sector, nonprofit organizations, and businesses in San Jose and nearby areas. Its founder and treasurer Ron Shepherd started the business in 1994, specializing in program implementation, development, and management. Shepherd & Associates Insurance Services has access to over 100 insurance carriers and delivers personalized life insurance plans for every client. Additionally, other personal policies available are personal umbrella, homeowners', auto, and renters' coverage.

  • Life Insurance

2020 Fourth Street, Livermore, CA 94550
WebsiteLicense: 0B29378

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
4.3 (6)

Why choose this provider?

Gene Morgan Insurance Agency is a family-owned and family-operated independent agency providing its services to clients in San Jose. It offers two types of life insurance, which are term life insurance and universal life insurance. Both types of life insurance aim to protect the client's family in the event of death by paying off debt and paying for their children's education. Gene Morgan founded the agency in 1953. The ownership has since passed down to his son and granddaughter, Mike and Michelle.

  • Life Insurance

950 S Bascom Ave Ste 2118, San Jose, CA 95128

Expertise.com Rating

Review Sources

Facebook
4.5 (20)
Yelp
5.0 (1)

Why choose this provider?

Founded more than two decades ago, One Point Business & Insurance Services is a health insurance company in San Jose, and Castle Rock, Colorado. The agency focuses exclusively on small-to-midsize businesses in all sectors. Its services include designing group health plans that enable businesses to offer their employees an array of health insurance options. The agency conducts client account reviews every quarter to ensure businesses continue to have the best policies for their needs.

1669 Flanigan Dr, San Jose, CA 95121

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Facebook
5.0 (1)

Why choose this provider?

High Tech Insurance Solutions is an independent health insurance company in San Jose, with additional offices in Fremont, enabling its agents to serve clients throughout the Bay Area. Its health insurance clients are typically individuals looking for plans that will cover basic-to-complex medical treatments and businesses who want to offer their employees health insurance that is either partly, fully, or personally funded. Additionally, the agency can arrange life, home, auto, and farm insurance for individuals.

2162 Ringwood Ave, San Jose, CA 95131

Expertise.com Rating

Why choose this provider?

Nature Insurance Agency Services is a family-owned agency serving the Bay Area and DFW, Texas. Its independent agents offer objective advice on many types of life insurance and annuities provided by leading carriers. The agents talk clients through the pros and cons of each policy and advise on the best types, such as term life for people who want to pay off their mortgages and whole life for those leaving financial legacies for loved ones.

2598 Mabury Sq, San Jose, CA 95133

Expertise.com Rating

Review Sources

Yelp
4.5 (22)

Why choose this provider?

Melin Insurance Services is an independent life insurance agency in San Jose. Its agents are free to compare the policies of many leading carriers, such as Nationwide and Allianz, provide clients with objective advice, and support them in disputes with their insurance providers. The agency also specializes in arranging disability and long-term care policies and designing group health plans for small-to-midsize businesses throughout the Bay Area. Additionally, the agency finds the best policies for drivers and homeowners.

2774 Aborn Rd, San Jose, CA 95121

Expertise.com Rating

Review Sources

Yelp
4.5 (20)
Google
4.5 (16)
Facebook
5.0 (9)

Why choose this provider?

Satwant Singh Insurance Services is a well-established agency serving the Bay Area. Its licensed agents offer impartial advice and objectively compare policies from multiple carriers for their clients, such as term life for people who want to pay off a debt in a specified period and whole life for those who want coverage throughout their years. The agency also specializes in auto and home insurance and various business-related insurance services.

1123 Soquel Ave Box 4209, Santa Cruz, CA 95062

Expertise.com Rating

Review Sources

Google
5.0 (74)

Why choose this provider?

DCD Financial & Insurance Services is an independent agency that's serviced the Bay Area since 1938. It offers a full suite of insurance services, which includes arranging life and health policies for individuals and their families. Its agents objectively compare the policies of multiple carriers, provide unbiased advice to clients, and ensure they fully understand their level of coverage. The company also specializes in insurance for boat owners, drivers, and businesses.

305 Soquel Ave Ste B, Santa Cruz, CA 95062

Why choose this provider?

Clinton Davis Financial Services Inc. is an insurance agency serving the San Jose metro area. The agency specializes in tailoring life insurance products offered by Guardian, one of the nation's largest carriers. These products cover every aspect of life insurance, such as term life, which ranges from 10 to 30 years, whole life, which protects the client from risk throughout their life, and mortgage protection, which covers payments while the client is unable to work.

1900 Camden Ave. Suite 204, San Jose, CA 95124
WebsiteLicense: 0E00902

Expertise.com Rating

Review Sources

Yelp
4.8 (43)
Facebook
4.8 (31)
Google
4.8 (18)

Why choose this provider?

Let's Insure is an independent insurance agency that serves both residential and commercial clients from San Jose and the surrounding areas. It provides two types of term life insurance plans, annual renewable term and level premium term insurance. It also offers various permanent life insurance plans, including whole life, variable life, variable universal, and universal life insurance. Other types of insurance that the company provides include auto, home, and pet insurance. Let's Insure has been in operation for more than two decades.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Be Well Insurance Solutions
1092 Scott Blvd, Santa Clara, CA 95050
Cal-Valley Insurance Services
San Jose, CA
Silicon Valley Financial Group
950 S Bascom Ave Ste 2112, San Jose, CA 95128
Angela Frangieh
1465 Park Avenue, San Jose, CA 95126
A New World of Opportunity Team
1982 Senter Rd, San Jose, CA 95112
Don Williams & Associates
17510 Farley Road West, Los Gatos, CA 95030
Shepherd & Associates Insurance Services, Inc.
2055 Junction Avenue, San Jose, CA 95131
Gene Morgan Insurance Agency
2020 Fourth Street, Livermore, CA 94550
One Point Business & Insurance Services
950 S Bascom Ave Ste 2118, San Jose, CA 95128
High Tech Insurance Solutions
1669 Flanigan Dr, San Jose, CA 95121
Nature Insurance
2162 Ringwood Ave, San Jose, CA 95131
Melin Insurance Services
2598 Mabury Sq, San Jose, CA 95133
Satwant Singh Insurance Services
2774 Aborn Rd, San Jose, CA 95121
DCD Financial & Insurance Services
1123 Soquel Ave Box 4209, Santa Cruz, CA 95062
Clinton Davis Financial Services, Inc.
305 Soquel Ave Ste B, Santa Cruz, CA 95062
Let's Insure
1900 Camden Ave. Suite 204, San Jose, CA 95124

FAQs

  • When should you review your life insurance in San Jose?

    If you are dealing with major life changes like marriage, divorce, opening a new business, or having a new child, you must review your life insurance. It is important to review your life insurance in San Jose to determine whether your coverage policies still suit your financial and future needs.

  • Do bad habits affect life insurance costs in San Jose?

    Individuals in San Jose who have bad habits may pay higher life insurance premiums or face application denials. If, for example, they drink alcohol excessively or use tobacco, their insurance carriers consider them at risk for serious health problems. Also, their age and family health history may affect their insurance premiums.

  • How much time do life insurance companies in San Jose have to reject claims based on alleged misrepresentation?

    Life insurance companies in San Jose have two years to deny a claim for alleged misrepresentation. The two-year period is effective upon the issuance of the insurance policy. They may deny a claim for wrong information or error. However, after the period, they can no longer deny the claim unless they prove that the policyholder committed fraud.

  • Can life insurance companies in San Jose cancel your policy if you fail to settle your monthly premium?

    Life insurance service providers in San Jose cannot cancel your policy right away because you must be given a 30-day grace period. You have the chance to settle your monthly life insurance premiums 30 days after the due date. Also, life insurance companies cannot cancel protection policies without the knowledge of policyholders.

  • What are the advantages of purchasing variable life insurance in San Jose?

    Purchasing variable life insurance in San Jose allows policyholders to acquire higher returns on their policies' cash value. Unlike in traditional life insurance, they can invest the interest of their policies in the market. Through this, they can increase their cash value growth. Variable life insurance can also be used as an estate planning tool. Its death benefits can pay estate taxes.

  • 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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