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2024

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Best Life Insurance Companies in Santa Clara, CA

Our Recommended Top 13

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 Santa Clara 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.

5602Reviewed

3366Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1092 Scott Boulevard, Santa Clara, CA 95050
WebsiteLicense: 0B78529

Expertise.com Rating

Review Sources

Yelp
4.5 (25)
Facebook
5.0 (5)

Why choose this provider?

Based in Santa Clara, Be Well Insurance Solutions provides individual and group life and medical insurance products and services. It is affiliated with more than 50 insurance carriers, allowing the firm to provide clients with a variety of plan options and ancillary coverage. Owner Sylvia Oliverez has more than 20 years of experience in the insurance agency, specializing in corporate employee benefits. As a consultant and broker, Sylvia has worked with small start-ups and Fortune 100 organizations.

  • Life Insurance
  • Health Insurance

120 Campbell Avenue, Campbell, CA 95008
WebsiteLicense: 0L92283

Expertise.com Rating

Review Sources

Google
4.0 (225)
Yelp
5.0 (60)

Why choose this provider?

Joe Frangieh is a second-generation State Farm insurance agent who serves families, individuals, and businesses in Santa Clara. He offers an array of risk management strategies, including health and life insurance as well as policies for homes, automobiles, and pets. Additionally, he provides coverage for businesses and properties. Joe is a lifelong resident of San Jose. He started his career in the insurance industry in 2010. His office is staffed with insurance professionals who can speak both English and Spanish.

  • Life Insurance
  • Health Insurance

1654 The Alameda, San Jose, CA 95126
WebsiteLicense: 0M83365

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (4)
Yelp
1.0 (1)

Why choose this provider?

KC Wilson Insurance & Financial is an insurance provider that serves individuals, families, and businesses in Santa Clara. As a full-service and independent insurance agency, it partners with a variety of insurance carriers to provide its clients with a life insurance package tailored to meet their needs. Two of the most common life insurance plans its agents assist with are term and permanent policies. Furthermore, KC Wilson Insurance & Financial offers other personal insurance policies such as auto, recreational, and watercraft insurance.

  • Life Insurance

4300 Stevens Creek Boulevard, San Jose, CA 95129
WebsiteLicense: 0M39350

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Bridgeway Insurance Services is an independent agency offering insurance products suited to the needs of its clients in Santa Clara and the surrounding areas. The company offers insurance plans for life, automobiles, homes, commercial properties, recreation, and flood. It also deals with customers that need policies for their businesses, watercraft, and trucks. Leon Shum founded the agency after equipping himself with more than 20 years of experience in the industry. Moreover, the company represents insurance carriers life Mercury Insurance, Safeco Insurance, and Travelers.

  • Life Insurance

San Jose, CA

Expertise.com Rating

Why choose this provider?

Operating for a decade, Life Insurance Corp provides Santa Clara clients with a varied array of life insurance policies and related financial products. Its scope of policies includes whole-life, permanent, universal, term, and long-term care insurance. Moreover, the business' insurance professionals can assist clients in choosing from an array of specific policies, ranging from annual renewable term life insurance to simplified issue whole-life insurance. Life Insurance Corp's insurance professionals work to keep clients informed about their options in varying insurance policies and services through consultations.

  • Life Insurance

444 Pearl Street, Santa Clara, CA 93940
WebsiteLicense: 0762388

Why choose this provider?

Bray Insurance is an insurance agency in Monterey that offers insurance solutions and strategies to clients in the Santa Clara area. The firm is owned and operated by Scott Bray, an insurance professional with years of experience selling personal insurance products. Some of the agency's life insurance products are term life insurance, universal life insurance, and whole life insurance. It also offers healthcare plans, such as dental insurance, long-term care insurance, vision insurance, and Medicare.

  • Life Insurance
  • Individual Plans
  • Group Plans

1225 West San Carlos Street, San Jose, CA 95126
WebsiteLicense: 0G19775

Expertise.com Rating

Review Sources

Google
5.0 (8)
Yelp
4.0 (7)

Why choose this provider?

KIS Insurance Services assists clients in Santa Clara and the nearby areas. The agency provides personal and commercial lines of insurance products, including life insurance, personal umbrella, homeowners’ insurance, workers’ compensation plans, commercial auto coverage, and business insurance. It offers policies for vehicles, such as non-emergency limousines and taxicabs. KIS Insurance Services also helps clients with vehicle registration. Additionally, notary services are available. As an independent firm, it works with multiple carriers, such as AmTrust, AIG, American Modern, and Tokio Marine.

  • Life Insurance

1249 Park Avenue, San Jose, CA 95126
WebsiteLicense: 0711895

Expertise.com Rating

Review Sources

Yelp
3.0 (15)

Why choose this provider?

Wallis and Wallis Insurance Brokers offers life coverage options for communities in Santa Clara. Beyond its other personal lines of insurance such as home, auto, and property, it also provides business policies such as general liability, excess liability, errors and omissions, and workers' compensation. In business since 1977, Wallis and Wallis has received recognitions such as Agency of the Year Northern California (AETNA), Premier Partner Award from 2003 to 2009, and Businesswoman of the Year in 2005 and 2006.

  • Life Insurance

998 Tulip Road, Sunnyvale, CA 94086

Why choose this provider?

Ullal Insurance Services is an independent agency offering insurance solutions to customers in Santa Clara. Its range of life insurance plans includes term life insurance and permanent life insurance. The company also offers health insurance, dental insurance, and vision insurance. Other products automobile insurance, motorcycle insurance, homeowners' insurance, and renter’s insurance. As an independent insurance agency with access to dozens of insurance various carriers, the company can provide clients with the right coverage while offering the personal touch only found in local insurance agents.

  • Life Insurance
  • Health Insurance

5251 Stevens Creek Boulevard, Santa Clara, CA 95051
WebsiteLicense: 0D55994

Expertise.com Rating

Review Sources

Yelp
4.5 (16)
Google
4.0 (9)
Facebook
5.0 (6)

Why choose this provider?

Jon Barron is a State Farm insurance agent that provides insurance services to local individuals and businesses of Santa Clara and the surrounding communities. He provides insurance services like universal life insurance, term life insurance, whole life insurance, motorcycle insurance, renters insurance, and homeowners insurance. Additionally, he provides additional insurance services like business owner's policy, surety and fidelity bonds, workers' compensation, contractors' policy, commercial auto insurance, and liability umbrella. Jon is a second-generation State Farm agent.

  • Life Insurance
  • Health Insurance

4320 Stevens Creek Boulevard, San Jose, CA 95129
WebsiteLicense: 0E65760

Expertise.com Rating

Review Sources

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

Why choose this provider?

Amazing Insurance Agency is a third-generation company serving Santa Clara for over 39 years. It offers life insurance products and services, including policies under the quality of life insurance, guaranteed universal life, and index universal life. It works with various life insurance providers, including Transamerica, National Life Group, and PacLife. The company utilizes a unique leverage strategy that allows its agents to procure life insurance programs that protect and grow wealth and mitigate risks. It also offers policies on other insurance lines, including Medicare, long-term care, travel insurance, and company benefits.

  • Life Insurance

1046 East Lake Avenue, Watsonville, CA 95076
WebsiteLicense: 0D65297

Expertise.com Rating

Why choose this provider?

Jose Gonzales is a financial professional who has been serving clients in Santa Clara and the surrounding areas since 2002. He set up his own agency, Gonzales & Associates, where he leads a team of insurance agents specializing in life insurance products from carriers such as Prudential, MetLife, and TransAmerica. He also provides individual and group options for health insurance plans. Additionally, Gonzales also offers insurance solutions for special events, commercial liability, homeowners, and vehicles.

  • Life Insurance
  • Health Insurance

2150 Trade Zone Boulevard, San Jose, CA 95131

Expertise.com Rating

Review Sources

Google
4.0 (251)

Why choose this provider?

American Income Life: AO has over 39 years of experience serving the insurance needs of Santa Clara and the surrounding metros. The AO distribution system is American Income Life's largest provider of life insurance, offering both whole life and term life policies. It has a unique Head Start program that allows its clients to obtain initial life insurance coverages for their children. The company has worked with over 45 international union leaders, developing insurance programs that help them protect their families and members.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Be Well Insurance Solutions
1092 Scott Boulevard, Santa Clara, CA 95050
Joe Frangieh
120 Campbell Avenue, Campbell, CA 95008
KC Wilson Insurance & Financial
1654 The Alameda, San Jose, CA 95126
Bridgeway Insurance Services
4300 Stevens Creek Boulevard, San Jose, CA 95129
Life Insurance Corp
San Jose, CA
Bray Insurance
444 Pearl Street, Santa Clara, CA 93940
KIS Insurance Services
1225 West San Carlos Street, San Jose, CA 95126
Wallis and Wallis Insurance Brokers
1249 Park Avenue, San Jose, CA 95126
Ullal Insurance Services
998 Tulip Road, Sunnyvale, CA 94086
Jon Barron
5251 Stevens Creek Boulevard, Santa Clara, CA 95051
Amazing Insurance Agency
4320 Stevens Creek Boulevard, San Jose, CA 95129
Jose Gonzales
1046 East Lake Avenue, Watsonville, CA 95076
American Income Life: AO
2150 Trade Zone Boulevard, San Jose, CA 95131

Santa Clara, CA Life Insurance FAQs

  • Which type of permanent life insurance policy offers greater flexibility in premium payments in Santa Clara?

    Residents of Santa Clara seeking increased flexibility in their premium payments may want to consider universal life insurance. Policyholders can modify the frequency and quantity of their premium contributions within predetermined parameters. These premium payments are deposited into an interest-bearing account from which policyholders can satisfy their financial obligations. Withdrawing cash from this account does not affect the death benefit.

  • What type of life insurance is accessible to active hourly and salaried county employees holding regular coded positions in Santa Clara?

    Public employees are entitled to $25,000 in basic life insurance coverage under most bargaining units. For full-time coded employees, Santa Clara County covers the entire cost. Meanwhile, part-time employees contribute a proportionate amount based on the number of regular hours worked during each pay period. The county sponsors life insurance for public employees holding regular coded positions and working one-half time or more per week.

  • Do Santa Clara employers allow their employees to purchase additional group life insurance?

    Yes. Employers in Santa Clara permit their employees to purchase additional coverage if they require more coverage than the basic plan provides. However, most group life insurance policies are term-based. This means they expire when the policyholder’s employment with the company concludes. The availability and terms of supplemental life insurance also depend on the policies and offerings of each individual employer.

  • What considerations should life insurance policyholders in Santa Clara make before making any changes to their policies?

    Prior to making any changes in their life insurance plans, residents of Santa Clara and the state of California should be aware that they might be required to cover initial expenses once more. Additionally, they should consider the potential for increased premiums throughout the policy's term because they have become older. Individuals looking to switch policies may encounter different loan terms and lose eligibility for tax-advantaged loans.

  • Are life insurance companies in Santa Clara required to offer coverage to all applicants, regardless of their health status?

    In accordance with California's insurance regulations, Santa Clara insurance providers are obligated to offer life insurance coverage to all applicants, irrespective of their health condition. However, carriers may impose higher premiums on individuals with pre-existing medical conditions. The state also requires insurers to provide policyholders with specific details about their insurance, such as premium costs and death benefit amounts.

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