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2024

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Best Life Insurance Companies in Vallejo, CA

Our Recommended Top 8

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Vallejo 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.

5377Reviewed

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8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

301 Georgia Street, Vallejo, CA 94590
WebsiteLicense: 0D10244

Expertise.com Rating

Review Sources

Yelp
5.0 (5)

Why choose this provider?

Hindsight Insurance Services work with multiple carriers, including The Hartford and Progressive, to offer comprehensive solutions in the Vallejo area. Its specialists carry life insurance plans and help clients understand and select from available choices, which include term, universal, and whole life insurance. They also provide financial coverage for vehicles, pets, renters, and commercial properties. Hindsight Insurance Services has been handling family and business insurance needs since 1992. It supports different charities, such as the Ellen Meadows Foundation.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

515 Broadway, Vallejo, CA 94590

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Located in Vallejo, Sir Winston Financial Center, Inc., is a company that assists clients in and around the metro with life insurance services and financial assistance. The company offers whole life insurance that helps cover individuals without any required medical exams or health inquiries. Clients can also choose from other life options, including term life and universal life policies. Sir Winston Financial Center gives back to the community by donating to organizations such as the Veterans Resource Program and Ariel Outreach Mission.

  • Whole Life Insurance
  • Life Insurance

4775 Mangels Boulevard, Fairfield, CA 94534

Expertise.com Rating

Review Sources

Google
4.8 (37)
Facebook
5.0 (8)
Yelp
4.5 (8)

Why choose this provider?

Gigi Horton is a full-service insurance agent with State Farm who serves individuals, families, and businesses in and around Vallejo. She has been with the company since 1991 and has helped clients with purchasing insurance products that fit their needs. One of her services is life insurance, where she and her team educate clients regarding life insurance policies that take care of their family's needs after death, such as debt repayment, burial expenses, and daily living costs. Other products and services include auto insurance, auto insurance, and property insurance.

  • Life Insurance

2161 San Pablo Avenue, Pinole, CA 94564
WebsiteLicense: 0I88680

Expertise.com Rating

Review Sources

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

Why choose this provider?

Trans Bay Insurance is a family-run agency serving Vallejo. It provides term life and whole life insurance to cover individuals and their families. At the same time, clients can take out other personal insurance policies such as automobile, homeowners, renters, earthquake, and flood insurance. Trans Bay Insurance represents multiple companies, including Pacific Specialty, Mercury Insurance, and Allied Insurance. It has served California residents for more than 40 years, and its team has decades of combined experience.

  • Life Insurance

840 Tuolumne Street, Vallejo, CA 94590
WebsiteLicense: 0D01896

Expertise.com Rating

Review Sources

Google
4.0 (53)
Yelp
4.5 (12)
Facebook
5.0 (4)

Why choose this provider?

Vallejo Insurance Associates, LLC, offers term life insurance packages in the city. Its agents are knowledgeable in finding the right plan to fit the clients' lifestyles and financial requirements. A variety of commercial and personal packages are also available, such as home, auto, recreational vehicle, and general liability plans. Vallejo Insurance Associates has over 60 years of experience in the insurance industry. It is dedicated to delivering thoughtful coverage options to members of its local community, and it guides them throughout the entire insurance process.

  • Life Insurance

609 Main Street, Martinez, CA 94553
WebsiteLicense: 0N09771

Expertise.com Rating

Review Sources

Yelp
4.0 (8)
Google
5.0 (7)

Why choose this provider?

Mark Woodard is a State Farm insurance agent for 17 years. He offers life insurance to clients in Vallejo and the surrounding areas. Woodard also provides auto insurance, homeowners insurance, renters insurance, health insurance, and small business insurance. His experience as an auto claim representative helps him explain the claim process to his clients. Woodard graduated with a Bachelor's Degree in Business Management and is a Martinez Kiwanis Club member and Martinez Youth Sports sponsor.

  • Life Insurance
  • Health Insurance

1320 Arnold Drive, Martinez, CA 94553
WebsiteLicense: 0G27142

Expertise.com Rating

Review Sources

Yelp
5.0 (7)
Google
4.0 (4)

Why choose this provider?

Michelle Allman is a State Farm insurance agent who serves clients in Vallejo. Her agency offers life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. Michelle and her team also offer other types of insurance products, such as auto, home, boat, and health insurance. Before opening her State Farm insurance agency, she had 10 years of experience in processing auto insurance claims. She has been a State Farm agent since 2010.

  • Life Insurance
  • Health Insurance

3288 Pierce Street, Richmond, CA 94804
WebsiteLicense: 0F07777

Expertise.com Rating

Why choose this provider?

123 Insurance Solutions Agency is a company that offers life insurance policy assistance to the citizens of Vallejo. Founded by Hong Bieu Le, the agency specializes in term life insurance, whole life insurance, universal life insurance, and index universal life insurance. After studying Business Finance for six years, Hong established a small printing supplies business and bought a bakery franchise business in 2004. Two years later, he started his career in the insurance and financial industry.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Hindsight Insurance Services
301 Georgia Street, Vallejo, CA 94590
Sir Winston Financial Center, Inc.
515 Broadway, Vallejo, CA 94590
Gigi Horton
4775 Mangels Boulevard, Fairfield, CA 94534
Trans Bay Insurance
2161 San Pablo Avenue, Pinole, CA 94564
Vallejo Insurance Associates, LLC
840 Tuolumne Street, Vallejo, CA 94590
Mark Woodard
609 Main Street, Martinez, CA 94553
Michelle Allman
1320 Arnold Drive, Martinez, CA 94553
123 Insurance Solutions Agency
3288 Pierce Street, Richmond, CA 94804

FAQs

  • What is second-to-die life insurance in Vallejo?

    A second-to-die insurance is taken out against the life of two individuals, typically spouses. It pays death benefits only after both insured individuals have passed. When both spouses pass in Vallejo, their surviving family may have to pay estate taxes on the spouses' assets. The second-to-die policy benefits may be used to pay these taxes so the family can keep the assets without financial burden.

  • Can you change your mind and cancel a life insurance policy you just bought in Vallejo?

    You are entitled to a free look period of 10-30 days under California Insurance Code Section 10127.9, during which you can change your mind and return the policy for cancellation. The free look period should be 30 days minimum for Vallejo policyholders 65 years or older. Once canceled, it becomes entirely void. The insurer must then refund the premiums you already paid.

  • Will your insurer in Vallejo automatically cancel your life insurance policy if you miss a payment?

    You should get a grace period minimum of 60 days after the premium due date before the insurance company can cancel your policy. This is according to California Insurance Code Section 10113.71. Also, the Vallejo insurer must send you a notice of the impending cancellation 30 days before the cancellation date. If you fail to settle the unpaid premium within the grace period and the cancellation notice has been sent, the insurer can proceed with terminating your policy.

  • What type of life insurance should you purchase in Vallejo if you only need one year of protection to address a temporary financial responsibility?

    You can opt for an “annual renewable term life insurance.” This insurance policy only covers you for one year and pays out a death benefit if you pass away within the covered year. You can have the policy renewed for another year if needed. Some insurers in Vallejo may also allow conversion of the policy into permanent life insurance. It is cheaper than a standard 10-year term life insurance or permanent life insurance.

  • Will your ex-spouse be automatically removed as a beneficiary of your life insurance policy in Vallejo after divorce?

    While California has a law that revokes an ex-spouse's beneficiary designation on non-probate assets like insurance, it has an exclusion for life insurance. Your ex-spouse remains as your life insurance beneficiary after divorce unless:

    • You contact your Vallejo insurer and have the ex-spouse removed from the policy.
    • The divorce decree indicates the removal of the ex-spouse's beneficiary designation.
    • The ex-spouse voluntarily waives the beneficiary designation.
    • The insurance contract has a stipulation that automatically removes divorced spouses as beneficiaries.
  • 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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