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Best Life Insurance Companies in Oxnard

2024

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Providers

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Website
888 Rim Crest Dr, Westlake Village, CA 91361

Why choose this provider?

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 (18)
Google
5.0 / 5 (7)

Website
360 Mobil Ave Ste 102L, Camarillo, CA 93010

Why choose this provider?

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

Website
210 W 4th St, Oxnard, CA 93036

Why choose this provider?

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
Google
5.0 / 5 (4)
Yelp
5.0 / 5 (3)

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

Why choose this provider?

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

Website
343 S B St, Oxnard, CA 93030

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1203 Flynn Rd Unit 170, Camarillo, CA 93012

Why choose this provider?

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.
5.0
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

Website
3445 Telegraph Rd Ste 102, Ventura, CA 93003

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

Website
5808 Telephone Rd Ste 200, Ventura, CA 93003

Why choose this provider?

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.
4.8
Facebook
5.0 / 5 (86)
Google
4.0 / 5 (14)
Yelp
3.0 / 5 (2)

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

Why choose this provider?

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

Website
400 Camarillo Ranch Rd Ste 202, Camarillo, CA 93012

Why choose this provider?

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

Website
1986 Euclid Ave, Camarillo, CA 93010

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Website
505 S A St Ste 100, Oxnard, CA 93030

Why choose this provider?

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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
5.0
Facebook
5.0 / 5 (3)

Website
5550 Telegraph Rd Ste B4, Ventura, CA 93003

Why choose this provider?

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

Frequently Asked Questions

  • How long is the minimum grace period for life insurance in Oxnard?

    According to California's life insurance laws, the minimum grace period is 60 days after the due date or after it goes unpaid. However, insurance companies may be able to extend the grace period at their discretion. Before a life insurance policy can be terminated in Oxnard, insurance companies have the obligation to provide notice to their policyholders within 30 days after a premium payment is due.

  • Should you get a new life insurance policy if your current policy has lapsed in Oxnard?

    No, you don't have to get a new life insurance policy if your existing policy has lapsed because of the non-payment of premiums. In fact, insurance companies in Oxnard typically give policyholders two to five years to reinstate their policy after it lapses. However, you may have to meet certain requirements before the policy can be reinstated, such as submitting a reinstatement application and taking a life insurance medical exam.

  • What happens if your insurance company in Oxnard goes out of business?

    If your insurance company in Oxnard goes out of business, a life and health insurance guaranty association in the state of California will provide you with coverage as long as you keep your coverage in force by continuing to make your premium payments. California's life and insurance guaranty association is The California Life and Health Insurance Guarantee Association.

  • Should you continue to pay your premiums if your insurance company goes out of business in Oxnard?

    Yes, you should continue to pay your premiums to your insurance company in Oxnard even if it goes out of business. The premiums you pay will go to the guaranty association, which will continue to provide you with coverage or may transfer your policy to another insurance company. If you fail to make your premium payments, you will lose your life insurance coverage.

  • Can a beneficiary spouse in Oxnard collect a death benefit if the life insurance policy has lapsed?

    No, a beneficiary spouse in Oxnard cannot collect a death benefit if the life insurance policy has lapsed, according to the state of California's life insurance laws. A life insurance policy lapse occurs when the policy owner stops paying their premiums, and the contractual grace period has ended. In other words, the policy owner loses their life insurance coverage, and their beneficiaries will not get any life insurance money when the policy owner dies.

  • 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.

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