Insurance made personal
in Sacramento
Life insurance shouldn’t be confusing. We listen first, then design a clear, honest plan for your goals and budget in Greater Sacramento.
Licensed in CA
Transparent compensation
No pushy sales
goodbye
Waiting rooms
- Transparent • No-pressure Advice
- Plans for families & individuals
- Free follow-ups
- Get a Free Quote
- Free follow-ups
- Transparent • No-pressure Advice
Healthcare partnerships
20,000 doctors, 150 specialties,
Why choose Niloo Insurance?
Personal, not generic
Work 1-on-1 with a local agent who explains everything in plain English.
Clear & transparent
We show costs, options and how we’re compensated—no surprises.
Ms. Niloo Sahraei
Insurance Agency
Right-sized coverage
Protection that fits your family today and grows with you.
Fast turnaround
From quote to coverage, typically in days—not weeks.
How it works
1) 15-minute discovery
Tell us your goals and budget.
2) Side-by-side options
Term vs. Whole, riders and real premiums—clearly compared.
3) Apply with confidence
We guide you through underwriting to approval.
Our Clients
What clients say
What clients say
Sarah R., Elk Grove
Tell us your goals and budget.
Daniel M., Roseville
We guide you through underwriting to approval.
Which policy fits you?
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Term Life
Affordable protection for 10–30 years. Great for income replacement and mortgages.
Whole Life
Lifelong coverage with cash value and level premiums.
Final Expense
Simple policies to help with end-of-life costs.