The top-rated life insurance agent in Richmond, California is Futuro Insurance Services Richmond, rated 5.0 stars across 44 reviews. Other highly rated options include SimplyInsured, Farmers Insurance - Aline Marcadier, Guillermo Jimenez Insurance Agency. This directory lists 14 life insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Futuro Insurance Services Richmond | 12553 San Pablo Ave B | (510) 403-4333 |
| 2 | SimplyInsured | 4909 Central Ave Unit B5 | (888) 584-7457 |
| 3 | Farmers Insurance - Aline Marcadier | 635 23rd St A | (510) 215-9288 |
| 4 | Guillermo Jimenez Insurance Agency | 242 Marina Way Suite A | (415) 515-0297 |
| 5 | JG Insurance Solutions | 12807 San Pablo Ave | (510) 307-5157 |
| 6 | M.A. Hays Insurance Brokers | 232 Broadway | (510) 235-0353 |
| 7 | Saran Agency | 652 23rd St | (510) 215-7885 |
| 8 | Growth Insurance Agency Inc. | 3150 Hilltop Mall Rd Unit 82 | (661) 557-0749 |
| 9 | Johanna Arroliga - XIX Insurance | 1503 Macdonald Ave Suite A110 | (510) 831-1107 |
| 10 | UNICOM INSURANCE & FINANCIAL SERVICES LLC | 12976 San Pablo Ave | (510) 234-0517 |
Futuro Insurance Services Richmond provides a full range of life insurance products, including term, whole, and universal life policies. It assists clients in evaluating coverage needs to secure financial protection for their families. The agency also reviews existing plans and helps adjust beneficiaries or policy types as life circumstances change. Homeowners, renters, and business owners in Richmond, CA, can access these services. The agency services single-family homes, apartments, retail, and restaurants in the local area.
SimplyInsured serves the Contra Costa County area from its base in Richmond, California, offering life insurance agent services to local residents. The company works with individuals to help them explore policies that provide financial protection for their families. It assists clients in comparing term and whole life insurance options, focusing on plans that fit personal coverage needs. Handle everyday policy questions and annual reviews as circumstances change. Its services include final expense insurance assistance and guaranteed issue life insurance for those who need simplified coverage.
Farmers Insurance - Aline Marcadier serves homeowners, businesses, and property managers in Richmond, California, with personalized life insurance agent services. The agency helps clients evaluate their coverage needs for financial protection and long-term planning. Policies are designed to provide security for families and business assets alike. The agency also offers guidance on adjusting coverage as circumstances change over time. This Farmers Insurance location additionally serves clients in the nearby San Pablo area of the East Bay metro.
Guillermo Jimenez Insurance Agency serves Richmond, California, and the surrounding communities in Contra Costa County. The agency handles life insurance policies designed to provide financial protection for families and beneficiaries. In a typical engagement, the agent begins by reviewing a client’s current coverage and long-term financial goals. From there, they explain different policy types and help compare options from multiple carriers. The agency approaches each job by first gathering personal and financial details, then presenting tailored solutions that match the client’s specific budget and protection needs.
For clients needing coverage options that differ between a single policy purchase and ongoing policy reviews, JG Insurance Solutions in Richmond, CA provides guidance on life insurance plans suited to local needs. A life insurance agent can assist with term or whole life policies designed to protect beneficiaries financially. This company’s service runs on an as-needed basis, allowing clients to request consultations or policy adjustments whenever their circumstances change.
M.A. Hays Insurance Brokers in Richmond, CA provides specialty services for clients needing term life and whole life policies. It serves individuals and families by helping assess their coverage needs and comparing suitable insurance options. As a local adviser, it also coordinates with other financial professionals to ensure a cohesive plan. This guidance is especially valuable for clients preparing for major life changes, such as the arrival of a new child or planning for retirement income stability.
As families in Richmond, CA, prepare for the new year, reviewing financial protection becomes a practical priority. Saran Agency responds by offering guidance on life insurance policies designed to provide financial security for loved ones. Each client’s situation, from income replacement to debt coverage, is considered when discussing available term and whole life options. An agent begins by scheduling a personal meeting to review current coverage needs and personal goals. A complimentary initial assessment is then conducted to identify potential policy gaps.
Growth Insurance Agency Inc. provides general life insurance services to individuals and families in Richmond, CA. The agency specializes in term and whole life policies that offer financial protection and income replacement. Clients receive assistance understanding coverage options tailored to their personal needs. The firm also serves commercial sectors, addressing the insurance requirements of local offices, warehouses, and food service operations.
Johanna Arroliga with XIX Insurance provides life insurance services to residential clients in Richmond, helping families select appropriate coverage for their long-term needs. Commercial coverage is also offered to local businesses seeking to protect their employees and operations. The service area extends throughout the Richmond vicinity and surrounding communities in Contra Costa County. Policyholders appreciate receiving thorough follow-up explanations of their benefits between regular review visits to ensure understanding remains clear.
UNICOM INSURANCE & FINANCIAL SERVICES LLC is a life insurance agency serving clients in Richmond, CA. It offers individual and family life insurance policies designed to provide financial protection and income replacement. The team guides clients through policy selection by evaluating coverage needs and long-term goals. Policy types typically include term life and whole life options. Clients can also add specialty riders, such as critical illness coverage, to enhance their base policy.
What Does a a Life Insurance Agent in Richmond Cost?
Typical costs for life insurance in California vary by age, health, and coverage amount. A healthy 35-year-old might pay 20 to 40 dollars per month for a 20-year term policy with 500,000 dollars in coverage. Rates increase with age and for those with health conditions. This is general information and not insurance advice.
About life insurance agents in Richmond
Life insurance agents in Richmond, California help residents find coverage that meets their needs. California law requires all life insurance agents to hold a valid license from the California Department of Insurance. Working with a local agent can help you understand how state regulations affect policy options and beneficiary designations.
Frequently Asked Questions
What license does a life insurance agent need in California?
A life insurance agent in California must hold a valid Life Agent license from the California Department of Insurance. This license requires passing a state exam and completing continuing education every two years.
How long do I have to change my mind after buying a policy in California?
California law gives you a free look period of 30 days from the date you receive your life insurance policy. During this time you can cancel for a full refund of any premiums paid.
Do I need a medical exam for life insurance in Richmond?
Not always. Many insurers offer no-exam policies with simplified underwriting. However, full underwriting policies with a medical exam often provide lower rates for healthy applicants.
Life Insurance Agents in Other California Cities
Agoura Hills · Alameda · Alhambra · Aliso Viejo · Anaheim · Antioch · Apple Valley · Arcadia · Arroyo Grande · Artesia · Atascadero · Auburn · Azusa · Bakersfield · Baldwin Park