The top-rated life insurance agent in Cupertino, California is Jason Stefely - State Farm Insurance Agent, rated 4.9 stars across 430 reviews. Other highly rated options include Gurbinder Mavi - State Farm Insurance Agent, David Gragnola: Allstate Insurance, Catherine Chen - State Farm Insurance Agent. This directory lists 20 life insurance agents serving Cupertino.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jason Stefely - State Farm Insurance Agent | 20395 Pacifica Dr STE 108 | (408) 255-3212 |
| 2 | Gurbinder Mavi - State Farm Insurance Agent | 20395 Pacifica Dr STE 108 | (650) 237-0400 |
| 3 | David Gragnola: Allstate Insurance | 10520 S De Anza Blvd Ste B | (408) 252-3830 |
| 4 | Catherine Chen - State Farm Insurance Agent | 20132 Stevens Creek Blvd | (408) 863-0000 |
| 5 | Cheryl Ching - State Farm Insurance Agent | 10025 S Tantau Ave | (408) 777-9777 |
| 6 | Jim Liu - State Farm Insurance Agent | 21070 Homestead Rd #118 | (408) 738-1200 |
| 7 | Farmers Insurance - Ray Cheng | 20370 Town Center Ln Ste 105 | (408) 863-0180 |
| 8 | Farmers Insurance - Lily Zhao | 20432 Silverado Ave UNIT 211 | (408) 398-4616 |
| 9 | Farmers Insurance - Stacy Lane | 20410 Town Center Ln # 101 | (408) 715-3535 |
| 10 | JONATHAN CHIEM: Allstate Insurance | 10520 S De Anza Blvd Ste B | (408) 252-3830 |
Jason Stefely - State Farm Insurance Agent serves the Cupertino, California area, offering life insurance policies along with other personal coverage options. The agency helps clients protect their financial future by finding suitable insurance solutions for different stages of life. Services are tailored to meet the needs of individuals, families, and local small businesses. The company handles final expense life insurance and term life insurance policies to provide security for loved ones in Santa Clara County.
Gurbinder Mavi - State Farm Insurance Agent, located in Cupertino, California, provides a range of life insurance products including term, whole, and universal life policies. Its service approach involves personalized consultations to help clients assess their coverage needs and budget, followed by ongoing policy reviews and adjustments as life circumstances change. Routine maintenance includes annual check-ins and beneficiary updates. The agency serves homeowners, renters, and small business owners, covering single-family homes, apartments, retail establishments, and restaurants.
David Gragnola’s Allstate Insurance office serves homeowners, businesses, and property managers needing individual or commercial risk coverage. As a local life insurance agent, the agency provides policies that help protect clients’ financial futures through term, whole, and universal life options. It also offers services for auto, home, and business insurance needs for those living across Santa Clara County. Its location in Cupertino, California, also makes it convenient for residents in neighboring Sunnyvale and West San Jose.
Serving Cupertino and the surrounding Silicon Valley communities, Catherine Chen - State Farm Insurance Agent handles life insurance policies for local residents and families. The agency addresses needs such as income replacement, final expense planning, and coverage for outstanding debts. When evaluating a typical client’s situation, it reviews personal financial goals and household obligations to recommend appropriate policy options. This straightforward process typically involves comparing term and whole life products to find a suitable balance of cost and long-term protection.
Cheryl Ching - State Farm Insurance Agent in Cupertino, CA, offers life insurance solutions tailored for long-term financial security rather than single transactions, providing coverage that can protect loved ones from unexpected loss. As a local life insurance agent, Cheryl helps clients understand policy options that align with personal goals and family needs. Services are available on a scheduled or as-needed basis, accommodating appointments for policy reviews or new coverage discussions.
As the Bay Area enters wildfire season, Cupertino residents often consider updating their financial protections. Jim Liu - State Farm Insurance Agent provides life insurance options designed to safeguard local families against unexpected loss. This agent helps clients evaluate term and whole life policies during complimentary consultations. Each review focuses on current household needs, including mortgage coverage and income replacement. The process begins with an initial assessment of existing coverage and financial obligations, ensuring every recommendation aligns with the client's long-term goals and local cost-of-living considerations.
Farmers Insurance - Ray Cheng in Cupertino, CA offers life insurance agent services specializing in term, whole, and universal life policies. The office also assists clients with disability income protection and long-term care coverage, helping individuals and families build comprehensive financial safety nets. Seasonally, this agency helps homeowners in the region adjust their life insurance coverage when preparing for a new child, a college transition, or during the annual open enrollment period for supplemental benefits.
At Farmers Insurance - Lily Zhao in Cupertino, CA, the agency works in the life insurance agent field by helping individuals secure financial protection for their families. Common services include assessing clients' needs for policies that provide coverage against unforeseen events. This agency can also arrange supplemental policies to enhance a client’s primary life plan. For commercial purposes, the agency serves local offices, warehouses, and food service establishments, guiding them in choosing appropriate coverage for their business operations and assets.
Serving residential clients in Cupertino, this life insurance agent also provides commercial coverage for local businesses throughout Santa Clara County. Policies are designed to help protect families and their financial futures. The agency works closely with clients to assess their specific needs and coverage options. Regular policy reviews are scheduled to ensure evolving life circumstances are met, and appointments can be made for any follow-up questions between these planned visits.
JONATHAN CHIEM: Allstate Insurance in Cupertino, CA, is known for providing life insurance policies that help residents secure financial protection for their families. Its service range includes term life, whole life, and universal life options tailored to various coverage needs. The agency assists clients in Cupertino with evaluating their long-term income replacement and final expense planning. Beyond base policies, a specialty service it can add on is an accidental death benefit rider for additional coverage.
What Does a a Life Insurance Agent in Cupertino Cost?
Life insurance agent services in California typically cost nothing upfront because agents earn commissions from the insurance company. Premiums vary widely: a healthy 35 year old might pay $25 to $50 per month for a 20 year term policy with $500,000 in coverage. Whole life policies can cost $200 to $500 or more per month for similar coverage. Costs depend on age, health, policy type, and coverage amount. This is general information, not insurance advice.
About life insurance agents in Cupertino
Life insurance agents in Cupertino help residents and businesses choose policies that fit their needs. California law requires agents to be licensed by the state and follow strict disclosure rules. Local agents understand the high cost of living in Silicon Valley and can tailor coverage to protect your family or estate.
Frequently Asked Questions
What licenses do life insurance agents need in California?
Agents must hold a valid California life insurance license from the Department of Insurance. They must complete pre-licensing education and pass a state exam. Continuing education is required every two years to renew the license.
How do I choose a life insurance agent in Cupertino?
Look for an agent with experience in California markets and good client reviews. Ask about their familiarity with local estate planning needs and tax laws. Verify their license on the California Department of Insurance website.
What is the free look period for life insurance in California?
California gives you a 30 day free look period after buying a life insurance policy. During this time you can cancel for a full refund. This applies to both new policies and replacements.
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