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Best Life Insurance Companies in Union City, CA

Our Recommended Top 5

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 Union City 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.

3303Reviewed

1983Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

38970 Blacow Road, Fremont, CA 94538
WebsiteLicense: 0F20511

Expertise.com Rating

Review Sources

Google
4.0 (30)

Why choose this provider?

Rexie Tagayuna is an insurance agent who is affiliated with State Farm. She caters to customers in Union City and the surrounding communities. She and her team have over 20 years of combined experience in the insurance industry. They offer term, universal, and whole life insurance policies. In addition, they provide auto, business, condo, home, and renters' insurance products. Rexie speaks English, Ilocano, and Tagalog, allowing her to cater to a broad range of clients.

  • Life Insurance

39899 Balentine Drive, Newark, CA 94560
WebsiteLicense: 0D62442

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Gene L. Daniels is a professional who helps Union City residents prepare for life's uncertainties by offering life insurance plans. He is an insurance agent from State Farm and has been with the company for 20 years. He also offers auto, condominium, health, homeowners, business, and renters insurance. In addition, Gene is knowledgeable about mutual funds, banking, and annuities. Clients can call him through the contact details on his website or visit his Newark office to discuss their options.

  • Life Insurance
  • Health Insurance

3100 Mowry Avenue, Fremont, CA 94538
WebsiteLicense: 0K97039

Expertise.com Rating

Review Sources

Google
4.5 (4)

Why choose this provider?

Elite Financial Insurance Group provides financial services and insurance products to clients in Union City and the surrounding areas. Its staff offers term and permanent life insurance, which includes universal, variable universal, whole, and survivorship options. Other types of insurance handled by the agency include long-term care, disability, and business. The company can also assist with retirement planning. This includes investing in annuities, Medicare, Medicare Supplements, and IRAs. Elite Financial Insurance Group also specializes in providing resources on charity giving.

  • Life Insurance
  • Long Term Care

39510 Paseo Padre Parkway, Fremont, CA 94538
WebsiteLicense: 0G33251

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (3)

Why choose this provider?

Multichoice Insurance Services is a company that serves the life insurance needs of individuals, businesses, and families in Union City. It offers term life insurance for customers seeking coverage for a limited period of time and permanent life insurance for clients who need to secure burial expenses and debt coverages. The company also offers visitor, student, and expatriate insurance policies. Its insurance agents strive to understand the customers' specific needs in order to create customized insurance plans for them. The firm was founded in 2006.

  • Life Insurance
  • Health Insurance

38259 Fremont Boulevard, Fremont, CA 94536
WebsiteLicense: 0730807

Expertise.com Rating

Why choose this provider?

Wayne Leung is a State Farm insurance agent serving the residents of Union City and nearby areas for over 33 years. He offers a range of life insurance coverages, including term life, whole life, and universal life policies. With a pool of policy options, he creates a personalized insurance plan to help individuals choose suitable coverages that meet their needs. He also handles other insurance lines, including auto, health, and homeowners' insurance, and assists in obtaining banking products.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Rexie Tagayuna
38970 Blacow Road, Fremont, CA 94538
Gene L Daniels
39899 Balentine Drive, Newark, CA 94560
Elite Financial Insurance Group
3100 Mowry Avenue, Fremont, CA 94538
Multichoice Insurance Services
39510 Paseo Padre Parkway, Fremont, CA 94538
Wayne Leung
38259 Fremont Boulevard, Fremont, CA 94536

FAQs

  • Should married couples in Union City get joint life insurance?

    A joint life insurance policy may be more cost-effective for married couples in Union City than getting two separate policies, as the risk is shared between two people. Couples can choose between two varieties of coverage: the first-to-die policy, which disburses the death benefit to the surviving spouse, and the second-to-die policy, which pays out the death benefit to beneficiaries upon the passing of both spouses.

  • What happens if you live beyond your term life insurance in Union City?

    If you live beyond your Union City life insurance term, expect the death benefit to be forfeited. Also, there is no guarantee that your accumulated premium payments will be refunded unless you have acquired a "return of premium" rider. Contact your insurer without delay; they should be able to provide you with information on alternatives and fair estimates for obtaining new coverage.

  • Do you only have to stop making payments to cancel your life insurance in Union City?

    No. Contacting your insurer is imperative, as proper cancellation of life insurance in Union City must adhere to the company's policy terms and penalties. Additionally, if you are making automated payments, you must inform your insurance company of your intentions to cancel the policy at the end of the term. Otherwise, you may face a sudden price increase that could be debited from your checking account without prior notice.

  • Does being a smoker affect life insurance in Union City?

    Smokers will likely incur higher life insurance premiums in Union City to account for increased health risk and reduced life expectancy that insurance companies consider when setting premiums. Applicants must disclose tobacco use when applying for coverage, as dishonesty may result in policy termination, fraud charges, and claim denial. Moreover, policyholders may qualify for non-smoker status and more equitable rates if they quit smoking within a specific time period, either before or after applying for a policy.

  • Does Union City deduct funds from salaries to pay for group life insurance?

    It depends. In Union City, the cost of group term life insurance is contingent on the benefits package provided by your employer. Typically, this type of policy is offered to members of an organization at no cost. If the workers opt for supplementary life insurance, they will bear the premiums, which will be deducted from their salaries.

  • 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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