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Best Life Insurance Companies in Oxnard

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2023
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American Legacy Solutions logo
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American Legacy Solutions

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5808 Telephone Rd Ste 200, Ventura, CA 93003

Business Description

American Legacy Solutions is an independent health and life insurance agency near Oxnard with multiple offices throughout California. Its agents provide unbiased advice and compare multiple policies to bring the best ones to their clients. The agency's life insurance products are suitable for everything from paying off mortgages to replacing income and planning financial legacies. The agents also specialize in group and individual health care products, Medicare, and policies that offer benefits for veterans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (1)
AMG Financial Services logo

AMG Financial Services

1986 Euclid Ave, Camarillo, CA 93010

Business Description

Founded in 2008, AMG Financial Services is a locally owned company specializing in individual life insurance. The small company is independent, enabling it to offer unbiased advice and a range of policies from multiple insurance carriers. Its products can reduce risk, such as covering a mortgage loan if the policyholder passes away. They can also generate income in the form of indexed universal life policies, designed to help the client grow their wealth while reducing taxes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Best Access Insurance logo
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Best Access Insurance

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3445 Telegraph Rd Ste 102, Ventura, CA 93003

Business Description

Best Access Insurance is a life insurance company near Oxnard in business since 2007. It sells custom life and health insurance policies and offers disability coverage options as well. Its agents are experienced in every facet of life insurance coverage and help clients with diverse needs to purchase policies that address their concerns. In addition to disability coverage, it also sells policies that finance long-term treatment and medical attention. Best Access Insurance offers dental insurance too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (10)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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cdinsurance.com logo
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cdinsurance.com

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1203 Flynn Rd Unit 170, Camarillo, CA 93012

Business Description

Crusberg-Decker Insurance Services Inc. sells individual life insurance policies and functions as an independent agency. Its agents aid clients in the exploration process and help them to find life insurance policies that offer the benefits they need most, such as death benefits of a certain amount, policies for coverage of outstanding debts, and benefits that cover future expenses of dependents. Crusberg-Decker Insurance Services Inc. partners with over two dozen carriers to provide clients with a range of options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
COTO Insurance & Financial Services logo
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License Verified:

License: 0G50621

California Department of Insurance

COTO Insurance & Financial Services

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200 Spectrum Center Drive, Oxnard, CA 92618
  • Life Insurance
  • Health Insurance

Business Description

COTO Insurance & Financial Services is a full-service life insurance company that serves clients from Oxnard. The company guides clients in choosing the best insurance option for their needs and helps them throughout the whole process. It offers a wide range of life insurance products, as well as dental, health, and travel insurance. COTO Insurance & Financial Services was founded by Vicki Gunvalson, an experienced insurance agent and certified financial fiduciary, who has been working in the industry since 1991.

License Verified:

License: 0G50621

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (75)
Facebook
4.0 / 5 (64)
Yelp
4.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dave Erickson logo
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License Verified:

License: 0592377

California Department of Insurance

Dave Erickson

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1986 South Victoria Avenue, Ventura, CA 93003
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans
  • Long Term Care

Business Description

Dave Erickson is an insurance agent who specializes in life, personal, and commercial insurance. He is part of Coastal States Insurance, which is an independent insurance agency serving Oxnard. The locally owned agency works with a number of carriers to provide options for its clients, and it offers an array of insurance coverage. These include individual and group life insurance, second-to-die policy, key person insurance, and disability insurance. The agency is also providing home and health insurance.

License Verified:

License: 0592377

California Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Direct Service Insurance logo
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Direct Service Insurance

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1629 E Main St Ste B and C Ste B&C, Ventura, CA 93001

Business Description

Direct Service Insurance serves Oxnard customers shopping for life insurance and other insurance products. Owner Patrick Hall has more than three decades of expertise in the insurance industry, and his agency has developed partnerships with a network of trusted insurance carriers to supply needed coverage for clients. Knowledgeable agents provide guidance to help clients choose the best policies for their needs and financial goals. Other insurance types available include general liability, workers compensation, auto, home, renters, and flood/earthquake policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.3 / 5 (12)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Happiness logo
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Insurance Happiness

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210 W 4th St, Oxnard, CA 93036

Business Description

Insurance Happiness is a life insurance agency in Oxnard that works with clients in California and Florida. It specializes in tailoring life and health insurance policies for individuals and designing employee benefits programs for employers. The agency's products protect clients from multiple risks, such meeting mortgage payments if they can't work and covering the costs of medical treatments. The agents at Insurance Happiness also arrange policies that enable clients to generate income in retirement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (5)
Johnsen Insurance Solutions logo
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Johnsen Insurance Solutions

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888 Rim Crest Dr, Westlake Village, CA 91361

Business Description

Johnsen Insurance Solutions is a well-established life and health insurance agency, licensed to operate in California and five other states. The agency serves personal and business clients. It tailor's products to the unique needs of each customer, such as using Covered California subsidies for low-income clients and tailoring employee benefits programs for local companies. Its products range from term and permanent life insurance, group health plans, and Medicare advantage plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (14)
Jones & Maulding Insurance Agency logo
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Jones & Maulding Insurance Agency

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505 S A St Ste 100, Oxnard, CA 93030

Business Description

Jones & Maulding Insurance Agency is a health insurance company in Oxnard, founded in 1952. This full-service independent insurance agency sells life insurance from top-rated carriers, including term life insurance, whole life, variable life, long-term care, disability insurance, and medical supplements from its partners such as Banner Life, Met Life, and Commonwealth. In addition, the agency offers group medical and disability coverage from companies like Anthem/Blue Cross, Blue Shield, Aetna, Kaiser, and United Healthcare.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kory Robertson logo
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License Verified:

License: 0M35871

California Department of Insurance

Kory Robertson

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5915 Calle Real, Goleta, CA 93117
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Serving Oxnard, Kory Robertson offers insurance and financial service options in English and Spanish. He provides insurance products such as life insurance, health insurance, home insurance, and pet insurance. Other services include auto insurance, property insurance, and business insurance. The agent also offers other products like banking services and mutual funds. Robertson is the head of a team of agents through the Kory Robertson Insurance Agency, Inc., a firm operating under North America’s largest insurance company, State Farm.

License Verified:

License: 0M35871

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Yelp
4.0 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Los Agentes 805 logo
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Los Agentes 805

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343 S B St, Oxnard, CA 93030

Business Description

Los Agentes 805 is a life insurance company in Oxnard that also sells health insurance policies. Its life insurance policies typically cover costs associated with final expenses and make provisions for the ongoing needs of the policy holders' dependents. It consults clients to structure healthcare policies for them that cover general needs as well as special areas where they may require particular coverage. Los Agentes 805 also works with Medicare Advantage for Medicare part C and sells dental and vision coverage plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
5.0 / 5 (22)
Facebook
4.4 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Lupe Garcia logo
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License Verified:

License: 0C29975

California Department of Insurance

Lupe Garcia

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515 East Main Street, Santa Paula, CA 93060
  • Life Insurance
  • Health Insurance

Business Description

Lupe Garcia is a life insurance agent who serves clients from Oxnard and its surrounding areas. She provides term, whole, and universal life insurance aimed at ensuring financial stability for clients and their loved ones in case of an unexpected event. Garcia is part of The Woodlands Financial Group, a privately owned insurance company that has been operating since 2001. Like the company's commitment, Garcia is also committed to treating all of her clients as people, not policies.

License Verified:

License: 0C29975

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (3)
Nicoll Insurance & Financial Services logo
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Nicoll Insurance & Financial Services

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5550 Telegraph Rd Ste B4, Ventura, CA 93003

Business Description

Nicoll Insurance & Financial Services does business with clients in the Oxnard metro area and offers both life and health insurance products for individuals, families, and businesses. Clients can use this independent agency to purchase several types of health plans including short-term plans, health sharing plans, Covered Cal (ACA), and PPO plans, as well as Medicare supplement plans. Nicoll Insurance & Financial Services also offers disability insurance coverage. Health, life, and disability group policies are available for businesses along with dental and vision coverage options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Peters & Milam Insurance Services logo

License Verified:

License: 0757179

California Department of Insurance

Peters & Milam Insurance Services

360 South Hope Avenue, Santa Barbara, CA 93105
  • Health Insurance

Business Description

Peters & Milam Insurance Services is an independent insurance agency near Oxnard that specializes in personal insurance lines in the area. The company is owned and operated by David Peters, an insurance expert who has served as president of the National Association of Insurance and Financial Advisors in Santa Barbara. Peters & Milam Insurance Services offers life insurance products such as Medicare, Medigap, individual life insurance, and individual health insurance. It also carries Aetna, Lincoln Financial, and Sun Life Financial for its non-government lines.

License Verified:

License: 0757179

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sanders Insurance Services logo

Sanders Insurance Services

552 Hooper Ave, Simi Valley, CA 93065
  • Term Life Insurance
  • Health Insurance

Business Description

Sanders Insurance Services helps Oxnard customers find the right insurance coverage for their needs. Derek Sanders, owner, takes pride in offering both Medicare insurance supplement insurance and Advantage plans. Mr. Sanders has been a licensed independent insurance agent since 2006 and is committed to finding the absolute best solutions for his customer while working with honesty and integrity. Sanders Insurance Services works with companies like Transamerica and AIG.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Summit Wealth Management Group, Inc. logo

Summit Wealth Management Group, Inc.

400 Camarillo Ranch Rd Ste 202, Camarillo, CA 93012

Business Description

Summit Wealth Management Group Inc. is a wealth management firm that offers life insurance services. This firm serves many types of clients including retirees, business owners, and others facing important life events by helping them ensure that their assets are protected via insurance policies. Not only does Summit Wealth Management Group Inc. help clients procure life insurance coverage, it also assists with policies for disability insurance and long-term care. Financial planning and investment services are available too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Timothy Ross - Goosehead Insurance logo
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Timothy Ross - Goosehead Insurance

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360 Mobil Ave Ste 102L, Camarillo, CA 93010

Business Description

Timothy Ross - Goosehead Insurance is a licensed agency serving clients throughout Ventura County. Its policies are tailored to minimize risk for personal clients, such as its choice of life insurance products. These products can meet the costs of mortgage payments if the policyholder is unable to work, cover funeral expenses, or generate an income in retirement and a financial legacy for loved ones. The agency also arranges home, property, and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.