Oakland, California is home to several life insurance companies that offer a wide range of coverage options to meet the needs of individuals and families. Life insurance is an important financial planning tool that can provide financial protection for your loved ones in the event of your unexpected death.
Life insurance companies in Oakland typically offer different types of policies, including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specific period, while whole life insurance and universal life insurance are permanent policies that offer both death benefit protection and cash value accumulation.
When choosing a life insurance company in Oakland, it’s important to carefully consider your coverage needs and budget. You should also compare rates and policies from multiple providers to ensure you’re getting the best coverage at the most affordable price.
What is Life Insurance?
Life insurance is a type of contract between an individual and an insurance company, where the individual pays regular premiums in exchange for a guaranteed payout to their beneficiaries upon their death.
The purpose of life insurance is to provide financial protection for your loved ones in the event of your unexpected death. The payout from a life insurance policy can be used to cover expenses such as funeral costs, outstanding debts, mortgage payments, and living expenses for your family.
There are several types of life insurance policies available, including term life insurance, whole life insurance, and universal life insurance. Term life insurance provides coverage for a specified period of time, while whole life insurance and universal life insurance are permanent policies that offer both death benefit protection and cash value accumulation.
The amount of coverage and premium rates for life insurance policies will depend on several factors, including the individual’s age, health, and lifestyle habits. It’s important to carefully consider your coverage needs and budget when choosing a life insurance policy.
Best Life Insurance Companies in Oakland, CA
Here’s the list of the Top 10 Life Insurance Companies in Oakland, CA, USA:
Ambrose Financial & Insurance Services, LLC
Ambrose Financial and Insurance Services LLC is concentrated on helping aged grown-ups transition into withdrawal. This health and life insurance company serves guests within the Oakland metropolitan area and offers backing with Medicare and health insurance planning, as well as life insurance.
It helps its guests pierce all types of benefits, including medical, dental, vision, and traditional medicine content. In addition to health and life insurance, its platoon works with guests to manage wealth and investments.
Calender Robinson Insurance
Calender Robinson Insurance is a general insurance brokerage that has been furnishing fiscal results in Oakland and near areas since 1954. Its insurance brokers have decades of experience in the assiduity. These representatives offer life and health insurance plans that are customized to suit the customer’s situation and individual requirements.
Their particular and marketable insurance services cover parcels, vehicles, liability insurance, workers’ compensation, and payroll. Incipiently, the family-operated business has connections with over 100 insurance carriers.
Carman & Fairbanks Insurance Services Inc
Carman & Fairbanks Insurance Services Inc is an independent agency serving guests in Oakland. It offers term life insurance programs for individuals and families. Its programs may vary grounded on age, medical history, life, and policy term.
In addition, it provides threat operation options for health, dental, vision, trip, and hand benefits. The company works with a wide range of carriers nationwide, including Kaiser and United HealthCare. It’s headed by Dawn Fairbanks, who has been in the insurance assiduity since 1999.
CJB Insurance Services, Inc.
CJB Insurance Services, Inc., is a full-service life insurance company that services the Oakland area and its girding communities. Author and proprietor Carly Ebenstein has further than 20 times of assiduity experience in aiding individuals to make informed opinions about life insurance and getting one for themselves and their loved ones.
CJB Insurance Services assists with position term insurance, universal life insurance, and whole life insurance. The company also offers disability and long-term care insurance options.
Colleen Callahan Insurance Services
Colleen Callahan Insurance Services is an insurance agency that is been serving guests in the Oakland area since 1989. The company offers a broad range of insurance programs, including life, Medicare supplement, medical, dental, and vision insurance.
It also provides companies with hand-benefit packages. These packages generally contain a combination of medical, dental, vision, life, and disability benefits. Colleen Callahan Insurance Services works with top providers in the assiduity, including TransAmerica and Genworth.
Council Financial & Insurance Services
Council Financial & Insurance Services is an insurance company that has been feeding individualities and businesses in Oakland over 45 times. It offers a wide array of life insurance results, including survivorship, term, universal, variable universal, and whole insurance plans.
These products include living benefits, similar to a duty-remitted cash value accumulation. also, Council Financial & Insurance Services also caters to real estate possessors and inventors by furnishing estate equalization and planning, ILITs, ultra-expensive backing, and race planning.
Dawn Fairbanks Insurance Services, Inc.
Dawn Fairbanks Insurance ServicesInc. is an independent health and life insurance company in Oakland, serving individuals and businesses in the lesser Bay Area.
It’s developed strong links with numerous of the assiduity’s leading carriers, including Blue Shield and CaliforniaChoice, to offer a wide choice of programs that cover every need, from paying off a mortgage and funding the grandkid’s education to meeting Medicare’s space and paying for an array of medical treatments.
Kelly Lux
Kelly Lux has been working as a State Farm Insurance agent 26 times, serving guests in Oakland and the girding East Bay Area. She and her platoon have 170 times of concerted experience customizing life insurance plans.
Their individualized service also includes aiding guests throughout the process of opting for and copping bus, renters, and marketable insurance. In the course of her work, Kelly collaborates with associations like Musketeers of the Alameda Animal Shelter and the East Bay Board of Realtors Association.
KR Benefits
KR Benefits is a health and life insurance agency that serves guests in the Oakland area. The company specializes in hand-benefit plans but also offers individual and family plans, as well as a variety of Medicare plans.
Working with carriers similar to GeoBlue, Western Health, and Blue of California, it provides its guests with a variety of plan options, similar to dental, vision, and traditional medicine content. KR Benefits is a Covered California Certified Insurance Agent.
Larry Fu Insurance Agency
The Larry Fu Insurance Agency is a family-possessed and operated life insurance company near Oakland, with further than 40 times of experience furnishing independent services and unprejudiced advice throughout the Bay Area.
Its services include helping low-income guests discover if they are eligible for a duty credit on their health insurance, arranging withdrawal plans that induce inflows for individualities of all periods, and acclimatizing term life plans that pay off the customer’s mortgage.
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