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San Jose · Santa Clara County · CA

Life Insurance Agents in San Jose, California

These licensed life insurance agents serve San Jose and the surrounding area, quoting several carriers so you can compare term, whole life, and final expense pricing before you apply.

Agents listed for San Jose
612Agents listed for San Jose
Life insurance carriers these agents are appointed with
61Life insurance carriers these agents are appointed with
Cost to you. Agents are paid by the carrier.
$0Cost to you. Agents are paid by the carrier.

Life Insurance Agents based in or serving San Jose

Profiles marked "unclaimed" come from public licensing records and have not been reviewed by the agent.

See all 612 agents

Carriers appointed locally by coverage type

Counted from public licensing records for agents listed in San Jose, CA. A carrier appointment means the agent may sell that carrier's plans; it is not a recommendation.

Coverage typeCarriersAppointed agents
Life insurance61523
Annuities37520
Final expense25220
Long-term care937
Disability1430

Life insurance basics for California

Life insurance is regulated by the California Department of Insurance, and every agent selling it must hold a California life license. Pricing varies widely between carriers for the same person, which is why an independent agent who quotes several carriers is worth a call before you buy.

All life insurance agents in California

Questions about life insurance agents in California

Is a life insurance agent free to work with?

Yes. Life insurance agents are paid a commission by the carrier that issues your policy. Your premium is the same whether you buy through an agent or directly.

What is final expense insurance?

A small whole life policy, usually between a few thousand and thirty thousand dollars, designed to cover funeral costs and small debts. It is popular with people over 50 because approval is simplified and the premium never changes.

Term or whole life: which do I need?

Term life covers a set number of years for a low premium and suits income replacement while you have a mortgage or young children. Whole life lasts your entire life and builds cash value at a higher premium. An independent agent can quote both across several carriers.

Can I buy life insurance if I have health conditions?

Often, yes. Carriers price conditions differently, which is exactly why an independent agent who works with several carriers can matter. Some policies use simplified or guaranteed underwriting with no medical exam.

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