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Individual Life Insurance in San Jose CA & Cupertino CA

Reassurance for you and your Loved Ones.

Red Wave Insurance Services provides life insurance to individuals in San Jose, Cupertino, Mountain View, Santa Clara, Fremont, Palo Alto, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Red Wave Insurance Services, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Red Wave Insurance Services offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Red Wave Insurance Services is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Red Wave Insurance Services will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Red Wave Insurance Services

2901 Moorpark Ave. Suite 260
San Jose, CA 95128
Main office: 408-609-3966
Fax: 888-733-1767

Our Providers

Testimonials

Excellent and Professional Service. Thank you Red Wave for going above and beyond my expectations and being there when I needed information. Your service is awesome and you really went out of your way to do so. Thank you again.

Jesse S.
All my insurance needs. I've used Red Wave for all my insurance needs. Home, auto, life and health/dental for my family. My agent, Michelle shopped different insurers for me and found the right fit for my family's needs. Great service and great pricing. Whenever I had questions, she answered them for me. For heath insurance, we looked at Obamacare vs my grandfathered health plan and I stayed with my grandfathered plan. I appreciate the comparative feedback so that I could make the best decision for my family. For auto and home, I was provided several quotes from different insurers. I like this option where I can shop for the best pricing and plans. I highly recommend this company. For life, I needed a policy to protect my family if something were to happen to me. I feel I've protected my family

Koon Y.
I have been insured with Red Wave for several years and hold an auto and rental property policies. Michelle Lin has been stellar to work with when I have had to file claims she has always made the processes simple and streamlined. She is extremely receptive of the requirements and needs of her clients. I have never had issues filing claims and or receiving insurance pay outs. She is very professional and friendly, I would recommend anyone looking for an insurance policy to work with Michelle.

Jeff F.
I needed flood insurance in a pinch after my lender force-placed an expensive policy on a rental property. I emailed Michelle and she let me know my options very quickly and found a policy that will save me over $1200 per year! As a broker, she can shop around for the best rates and programs available. Throughout all our communications and interactions, I found Michelle to be very professional, knowledgeable and straightforward. I highly recommend Red Wave to anyone needing advice and product with all things insurance - you will be in good hands.

Richard W.
I've been using Red Wave for all my personal and professional insurance needs for the past few years. All I can say is that I HIGHLY recommend this company. Michelle(the Broker) is very professional, friendly, and is fully committed to finding the policy that would be in your best interest. She is so patient in answering my endless questions(even repeated ones) and does a wonderful job in making sure I was comfortable with the policy before I signed any papers and put money down. I am a very satisfied customer who will be sticking with this company for a long time! :)

Nancy L.
Got the lowest insurance rates thanks to Michelle. Great service!!

Nathan C.
Very quick and thorough service. Saved us lots of money too! We got home insurance through Michelle. Michelle takes the time to go through the various insurance items and explains what the various items are and which features are important for your particular requirements. Instead of selling a one size fits all package she makes sure the coverage is appropriate so you don't end up spending more than you want or getting less than you need.

J.L.
First off, Michelle is a super nice person. You can tell she really cares about her clients and doing the right thing by them. Being an ex-cop, trust doesn't come easy....I was introduced to Michelle by another business person that was raving about her and what she had done for some people. Since Michelle is an Independent Broker, she is not beholden to any insurance company and can shop ALL of them for the best fit, unlike most brokers. I introduced her to my client and she totally took care of them, going out of her way to help. 5 stars!!

Steve B.
I was introduced to Michelle at Red Wave through a friend and I've been getting insurance through her ever since. We have our cars and home insured through Red Wave and benefit greatly from her quick response and action time. Would recommend her to anyone looking for an insurance broker.

Kirby C.
Michelle is a great insurance agent - she was able to find us a very reasonable rate and was very responsive in helping us work through issues related to our cars.

Mona W.
Michelle helped me with a home policy. I gave her 5 as the service was very efficient, cost effective and her explanation was always very clear.

Eugene C.
Michelle is superwoman. She's an honest, no-nonsense kind of gal. Highly recommended.

Christina V.