Background: Jane Kim is a democratic candidate for the Insurance Commissioner election. She received her Bachelor's from Stanford University and her law degree at Berkeley. She was the first Korean-American official in San Francisco. She previously represented district 6 on San Francisco's Board of Supervisors.

Goals: She plans to hold insurance companies accountable. As a civil rights attorney and consumer advocate she wants to increase affordability for working families. She claims she is the only democratic candidate not taking money from insurance companies or political action pacs. Her plan is to deliver to the working people by lowering costs, guaranteeing coverage, and fast claims.

Controversies: Her biggest controversies involve the lack of experience she has. They believe her policies to be unmanageable for the state's funding or budget especially in case of a disaster. She is also under bigger pressure due to her stance against taking money from private companies.

Background: Ben Allen is the Democratic candidate of Insurance Commissioner. He is an American attorney and politician, earning his degree from UC Berkeley School of Law. He previously served as a member of the California State Senate for the 26th district and then the 24th district. Was one of those affected by the palisades fire and seeks to lead to community in moments of crisis.

Goals: Allen's goal is to put people first when it comes to the insurance system. He believes the system to be broken, wanting to fix the rates and ensuring Californians are truly covered. Preventing companies from dropping policies or denying claims is something he seeks to prevent alongside stabilizing the price of these premiums. He plans to disband the FAIR plan and restore faith in the private market (doesn't want abrupt change but rather a transition out).

Controversies: Has faced backlash for the use of his campaign funds, he is funded largely by Political Action Committees which worries people on the trust in his clean money pledge. He also has ties to Incumbent Candidate Ricardo Lara, someone who has created issues with premium pricing and the denying of claims.