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Best Life Insurance Companies in Sacramento

2023

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Last updated: August 23, 2023

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License Verified:

License: 0H00450

California Department of Insurance

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7300 Franklin Boulevard, Sacramento, CA 95823
  • Life Insurance

Business Description

Kasia Insurance Services is an insurance brokerage that serves clients in and around the Sacramento area. Its team is comprised of experienced agents, offering various types of insurance products such as life insurance. As an independent agency, the company has access to a wide array of insurance carriers to offer clients various coverage and price options. In addition, the company provides other personal insurance plans, including auto insurance, home insurance, and surety bonds. Kasia Insurance Services also provides title transfer and notary public services.

License Verified:

License: 0H00450

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 0M18570

California Department of Insurance

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2850 Del Paso Road, Sacramento, CA 95834
  • Multiple Policy Types

Business Description

Monique Ambers is a Sacramento-based licensed State Farm agent. She offers term life, whole life, and universal life insurance policies to both individual and business clients. She credits her development as an insurance coach to both her experiences as a former basketball player drafted to play internationally and as a coach who led her local team in winning the 2005 championship. Her team of licensed representatives has helped her services expand to include banking and mutual funds assistance.

License Verified:

License: 0M18570

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Yelp
5.0 / 5 (15)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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1333 Howe Ave Ste 202, Sacramento, CA 95825

Business Description

Louis Sanchez Insurance Services LLC is a licensed life insurance agency in Sacramento. Since 1987, its qualified agents have provided individuals, families, and businesses with objective and impartial advice, advocacy in disputes with insurance carriers, and help with filing claims. The agents specialize in all forms of individual life insurance, including term life and cash value life. They can also help clients find various types of health insurance, such as group health.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (10)
Google
4.4 / 5 (7)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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180 Promenade Cir Ste 300, Sacramento, CA 95834

Business Description

Long Tran - American National Insurance is a life insurance company in Sacramento representing individuals for American National Insurance. The licensed agent has over 16 years' experience helping people understand their coverage options and choose a life insurance policy that meets their needs. Mr. Tran offers term life with fixed monthly payments and level payouts and whole life with fixed premium and dividends options. He also provides universal life that offers more flexibility in premiums and benefits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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100 Howe Ave Ste 120S, Sacramento, CA 95825

Business Description

Bozzuto Health & Life is a local certified insurance agency for health, Medicare, small group, and life insurance that serves individuals, families, and businesses in the Sacramento area. Its licensed agents help clients understand their options and work with them to choose medical, dental, vision, and life insurance coverage that meets their needs. The company also assists with Medicare supplemental plans and critical illness, cancer, accident, and long-term care insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (24)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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865 Howe Ave Ste 200, Sacramento, CA 95825

Business Description

McDowall and Keeney Insurance Associates has been serving individuals and businesses throughout the Sacramento area since 1922. Its licensed agents offer individual health and group policies that contribute financial support for the insured relating to covered medical events. It also helps clients understand Medicare supplemental plans and choose one that fits their needs. Other products include disability, long-term care, and term and permanent life insurance policies. McDowall and Keeney Insurance Associates work with several trusted carriers, such as Kemper and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (1)
Yelp
4.0 / 5 (1)
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PO Box 22612, Sacramento, CA 95822

Business Description

Sacramento-based David Brabender - Atman Insurance Services assists individuals, families, and businesses in securing insurance products. The agency's principal, David Brabender, refers clients to other insurance agents who are best suited for the clients' needs. The agency isn't tied to one carrier, enabling the agent to search the policies of many insurance companies, compare them, and provide his clients with impartial assessments on the pros and cons of each. Among the types of insurance that the company offers are medical supplement, long-term care, accident and illness indemnity, and life insurances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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429 F St Ste 9, Davis, CA 95616

Business Description

George A. Barden CLU ChFC - New York Life Insurance is a life insurance agent serving individuals throughout the Sacramento area. Mr. Barden analyzes clients' financial situation, current needs, and future goals to help them choose a life insurance policy that provides financial benefits to their loved ones after they're gone. He also helps with changes to clients' coverage following a career change, marriage, birth of a child, new home, and retirement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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2100 Watt Ave Ste 160, Sacramento, CA 95825

Business Description

Western Auto Insurance Center is an independent insurance agency in Sacramento that's been serving individuals for over 20 years. Its licensed agents explain options to clients and help them determine the best coverage type to meet their situation and provide some financial benefits to their family upon death. Western Auto Insurance Center works with top national carriers, such as Travelers, The Hartford, and National General Insurance. Other products include auto, homeowners, and motorcycle insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (21)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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1756 Picasso Ave Ste B, Davis, CA 95618

Business Description

Pratt Financial & Insurance Services offers insurance coverage for individuals and businesses in Sacramento and throughout the area. Founder and operator, Mark J. Pratt, CLTC, is a licensed and experienced New York Life Insurance Company agent that helps clients understand their options and choose a life insurance policy to protect their dependents financially following the policyholder's death. Pratt Financial & Insurance Services also provides long-term care and short- and long-term disability insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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License Verified:

License: 0H52989

California Department of Insurance

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2641 Cottage Way Suite 11, Sacramento, CA 95825
  • Life Insurance

Business Description

Preferred Commercial Insurance Agency provides its services to individuals, families, and businesses in Sacramento. It offers a wide selection of products, such as life, homeowners, motorcycle, umbrella, and liability insurance. Its life insurance policy includes term and permanent life, designed to pay off debts, preserve the same standard of living, and cover funeral costs. Its owner, Kevin Flynn, has been a founder of various companies over the past 30 years, these include restaurants, bars, and construction companies.

License Verified:

License: 0H52989

California Department of Insurance

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1930 Del Paso Rd Ste 121, Sacramento, CA 95834

Business Description

Welcome Insurance Agency is an independent insurance company that's been providing policy options for individuals and businesses throughout the Sacramento area. Its licensed coverage specialists assist employers with group benefits to off their employee's medical, dental, and vision coverage through Fee-for-service, managed care plans, health maintenance organizations, preferred provider organization, and point-of-service policies. It also offers individual term and whole life policies. Welcome Insurance Agency works with several top carriers, including Travelers, The Hartford, and AIG.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
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180 Promenade Cir Ste 300, Sacramento, CA 95834

Business Description

Ice Insurance Agency LLC is a well-established health insurance company in Sacramento. Its agents are qualified to sell the products of many of the country's top insurance companies, including AIG and Berkshire Hathaway. Their additional services include comparing products to find the best coverage and rates, helping clients file claims, and advocating for them in disputes with their insurance providers. The agency also arranges life insurance, long-term care, and Medicare policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (22)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit WebsiteWebsite

License Verified:

License: 0C97528

California Department of Insurance

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9700 Business Park Drive, Suite 105, Sacramento, CA 95827
  • Life Insurance

Business Description

Sierra Oak Insurance Services Inc. has been providing insurance products to individuals, families, and businesses in Sacramento for over 25 years. Its agents customize life insurance plans according to life changes that also alter the financial and insurance necessities of people. They provide information on the various options that will protect people's finances and beneficiaries. These options include individual life, group life, long-term care, mortgage protection, and disability insurance products, as well as second-to-die policy and key person insurance.

License Verified:

License: 0C97528

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.2 / 5 (25)
Facebook
5.0 / 5 (7)
Yelp
4.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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4142 East Commerce Way, Sacramento, CA 95834

Business Description

Exceed Insurance is a Sacramento-based insurance agency established in 2000. It delivers life insurance, auto insurance, and home insurance to individuals. It also offers services to a variety of businesses, including trucking, food and alcoholic beverages, hotels, and shopping centers. The company's professionals help clients choose insurance plans that suit their needs, then assist them in filing claims. Their clients include Microtel Inns & Suites, Subway, Rose Hotels New Jersey, Cambridge Capital Management Corp, and Holiday Inn Express.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (16)
Facebook
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Visit WebsiteWebsite

License Verified:

License: 0M83365

California Department of Insurance

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3426 American River drive, Suite D, Sacramento, CA 95864
  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Business Description

KC Wilson Insurance & Financial is an independent agency that serves individuals, families, and businesses in Sacramento. It offers whole and term life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. The agency works with multiple insurance carriers that include Kemper, Liberty Mutual, and MetLife, which allows it to offer policies based on clients' needs and budgets. KC Wilson Insurance & Financial also provides insurance products for automobiles, homes, and renters.

License Verified:

License: 0M83365

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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5346 Madison Ave Ste B, Sacramento, CA 95841

Business Description

Morelos Insurance Company is an independent insurance agency in Sacramento that serves individuals and businesses throughout the area. Its licensed coverage specialists help clients understand their options for term, whole, and permanent life insurance and assist them with choosing the best policy for their beneficiaries. Morelos Insurance Company works with several trusted insurers, including AIG, Foremost Insurance Group, Kemper, and MetLife. The agency also offers health, auto, and business coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.