Our goal is to connect people with the best local professionals. We scored Sacramento 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.
180 Promenade Cir Ste 300, Sacramento, CA 95834
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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.
1930 Del Paso Rd Ste 121, Sacramento, CA 95834
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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.
4801 El Camino Ave Ste A, Carmichael, CA 95608
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Navarro's Financial and Insurance Solutions provides independent insurance services for individuals and businesses throughout the Sacramento area. Its licensed agents explain to clients their health insurance options, including individual and family medical, international travel health care, and accidental, hospital, and critical illness coverage. The agency also provides supplemental plans that offer additional coverage. Navarro's Financial and Insurance Solutions also offer term and permanent life insurance policies. Services are available in English and Spanish.
4142 East Commerce Way, Sacramento, CA 95834
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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.
1756 Picasso Ave Ste B, Davis, CA 95618
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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.
7300 Franklin Boulevard, Sacramento, CA 95823
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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.
180 Promenade Cir Ste 300, Sacramento, CA 95834
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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.
2641 Cottage Way Suite 11, Sacramento, CA 95825
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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.
3426 American River drive, Suite D, Sacramento, CA 95864
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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.
PO Box 22612, Sacramento, CA 95822
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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.
2100 Watt Ave Ste 160, Sacramento, CA 95825
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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.
2850 Del Paso Road, Sacramento, CA 95834
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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.
9700 Business Park Drive, Suite 105, Sacramento, CA 95827
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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.
100 Howe Ave Ste 120S, Sacramento, CA 95825
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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.
1333 Howe Ave Ste 202, Sacramento, CA 95825
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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.
5346 Madison Ave Ste B, Sacramento, CA 95841
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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.
865 Howe Ave Ste 200, Sacramento, CA 95825
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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.
429 F St Ste 9, Davis, CA 95616
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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.
The right amount of car insurance in Sacramento should align with your needs, budget, and compliance with state and lender obligations. The appropriate amount should adhere to California's requirements, which include liability coverage for damages to others and often no-fault coverage for medical expenses. While not legally mandated, it's essential to also have coverage to meet financial responsibilities. Insurance is typically necessary for financed cars, including collision coverage and comprehensive coverage.
In Sacramento, collision coverage provides insurance for damage to your vehicle resulting from accidents, including collisions with other vehicles or objects, single-vehicle accidents, hit-and-run incidents, uninsured or underinsured motorists, and rollover accidents. On the other hand, comprehensive coverage extends protection to non-collision incidents like theft, fire, vandalism, natural disasters, animal collisions, and falling objects. Both coverages include a deductible, which you must pay before the insurance covers the rest.
Personal Injury Protection and Medical Payment Coverage cover medical expenses for you and your passengers, regardless of fault. However, PIP offers extra benefits like lost wages and funeral expenses, often with higher limits and a potential deductible. Neither covers vehicle damage, which falls under collision coverage or the at-fault party's responsibility. Lastly, PIP is optional in Sacramento.
The significance of a deductible in your car insurance in Sacramento lies in its impact on collision and comprehensive coverage, which address damage to your vehicle and not liability. When you purchase your policy, you choose the deductible amount, which can vary for each coverage type. It's essential to ensure that your selected deductible is affordable if you need to cover it, and maintaining it in an emergency fund is advisable.
Several factors can affect your car insurance rate in Sacramento, including the type of car you drive, location, and zip code, as densely populated areas and cities may have higher rates. Furthermore, your vehicle's age, moving record, and adding new drivers to your policy may also affect your premium.
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.
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.
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.
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.
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.
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.
Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.