Best Life Insurance Companies in Santa Barbara

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Baratto, Sullivan & Co. Insurance logo
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License Verified:

License: 0H55926

California Department of Insurance

Baratto, Sullivan & Co. Insurance

1731 State Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance

Business Description

Established in 1977, Baratto, Sullivan & Co. Insurance is a brokerage that has been serving individuals, families, and businesses in Santa Barbara. It offers an array of risk management strategies, including health and life insurance as well as coverage for automobiles, homes, and floods. Additionally, it provides business policies, such as liability coverage and bonds. The business has been acquired by Insurance Matters Solutions & Financial Services, Inc. in 2012, giving it a wider breadth of offerings and improved customer support.

License Verified:

License: 0H55926

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 (14)

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
Baxter Insurance logo
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License Verified:

License: 0E14811

California Department of Insurance

Baxter Insurance

1033 Santa Barbara Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Family-owned and family-operated Baxter Insurance has been handling the insurance needs of Santa Barbara and other nearby metros since 1989. It serves individuals, families, real estate owners, not-for-profit organizations, HOAs, and businesses. It works with several insurance companies and finds the best policies that suit its clients' unique situations and long-term plans. It offers life and health coverage as well as home, landlord, and renters' insurance. For clients traveling overseas, the company also provides travel medical insurance and evacuation coverage.

License Verified:

License: 0E14811

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 (21)

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
Channel Islands Insurance Services logo
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License Verified:

License: 6004159

California Department of Insurance

Channel Islands Insurance Services

10 East Yanonali Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance

Business Description

Channel Islands Insurance Services has been in the business of providing insurance services to clients in Santa Barbara and surrounding areas for 12 years. With over 30 years of combined experience among its staff, the company specializes in handling life insurance programs, employee benefits, Medicare, and individual and family health insurance plans. The agency is also capable of assisting with vision, dental, and short-term or long-term disability policies. Channel Islands Insurance Services also offers wealth management services.

License Verified:

License: 6004159

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 (3)
Collins & Powell Insurance Services logo
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License Verified:

License: 0C78084

California Department of Insurance

Collins & Powell Insurance Services

1727 State Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance
  • Term Life Insurance

Business Description

Collins & Powell Insurance Services is an insurance provider based in Santa Barbara that has been serving individuals and families for more than 20 years. Its professional insurance agents connect with multiple reputable and financially sound carriers to help clients secure life insurance policies that will keep them financially supported during major life events. Coverage options offered include term, universal, critical, and long-term policies. Collins & Powell Insurance Services also provides medical, dental, and disability insurance packages.

License Verified:

License: 0C78084

California Department of Insurance

Cornerstone Insurance Services logo
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License Verified:

License: 0M24917

California Department of Insurance

Cornerstone Insurance Services

5901 Encina Road, Goleta, CA 93117
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  • Life Insurance
  • Health Insurance

Business Description

Cornerstone Insurance Services strives to equip Santa Barbara individuals and families with the knowledge and guidance they need in understanding life insurance policies. The business is an independent agency founded in 1992, employing insurance agents with more than 50 years of combined industry experience. The firm assists clients in exploring different insurance options and guides them towards plans that are compatible with their needs. In addition to life insurance, the agency also offers other personal lines, including health, home, and auto insurance.

License Verified:

License: 0M24917

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.
4.3
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Gulley & Larsen Insurance Services LLC logo
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License Verified:

License: 0E83625

California Department of Insurance

Gulley & Larsen Insurance Services LLC

4213 State Street, Santa Barbara, CA 93110
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  • Life Insurance
  • Health Insurance

Business Description

Gulley & Larsen Insurance Services LLC is an insurance agency based in Santa Barbara. It offers life, disability, and annuity insurance policies with the assistance of its experienced insurance professionals. Other insurance products offered by the agency include business, dental and vision, and Medicare plans. Gulley & Larsen Insurance Services LLC is a proud member of the Santa Barbara Association of Health Underwriters and state and national chapters of The National Association of Insurance & Financial Advisors.

License Verified:

License: 0E83625

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
Yelp
5.0 / 5 (1)

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
Iris Chan-Sayre logo
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License Verified:

License: 0C86155

California Department of Insurance

Iris Chan-Sayre

3425 State Street, Santa Barbara, CA 93105
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  • Life Insurance

Business Description

Iris Chan-Sayre is a local Farmers Insurance agent who serves individuals, families, and small businesses in Santa Barbara. She offers term, whole, and universal life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. Her team also assists clients in obtaining insurance coverage for their automobiles and homes. Iris has been a Farmers Insurance agent for more than 10 years. Her agency has staff that can speak Chinese and Spanish.

License Verified:

License: 0C86155

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
5.0 / 5 (1)

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
Kait Cortenbach logo
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License Verified:

License: 0I79698

California Department of Insurance

Kait Cortenbach

114 E Haley Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance
  • Individual Plans

Business Description

Kait Cortenbach is a local committed to serving the Santa Barbara community by helping individuals, families, and businesses find the best insurance policy for them. Some of the insurance plans she offers are life, health, home, renters, auto, and property. Cortenbach worked as a State Farm team member for five years until she started her own State Farm agency in 2019. She and her team cater to English and Spanish clients and promise a friendly and personalized full-service.

License Verified:

License: 0I79698

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 (183)
Yelp
5.0 / 5 (17)
Facebook
5.0 / 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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Kirkpatrick & Associates logo
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Kirkpatrick & Associates

P.O. Box 4295, Santa Barbara, CA 93140
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  • Health Insurance

Business Description

Kirkpatrick and Associates is a company that has been providing life insurance assistance in Santa Barbara for more than 50 years. Specializing in life insurance, the agency also provides services in regards to Medicare supplement plans, individual or family ACA plans, and small group insurance coverage. Furthermore, it also aids in long-term care insurance plans, dental and vision insurance plans, and travel insurance. Kirkpatrick and Associates embraces digital communication, utilizing e-commerce platforms to handle its lines of business online.

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
––
Kubera Insurance Services Inc. logo
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License Verified:

License: 0F97773

California Department of Insurance

Kubera Insurance Services Inc.

3905 State Street, Santa Barbara, CA 93105
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  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

Kubera Insurance Services Inc. has more than 23 years of experience in providing life and health insurance products to clients in Santa Barbara and surrounding areas in California. The agency offers term and permanent life insurance options, including universal, variable universal, and ordinary life policies. Health insurance options include travel, international student, trip protector, and individual medical plans. The company also handles medical coverage for businesses. Kubera Insurance Services Inc. also assists with long-term care insurance and Medicare Supplements.

License Verified:

License: 0F97773

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 (1)

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
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License Verified:

License: 0757179

California Department of Insurance

Peters & Milam Insurance Services

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

Business Description

Peters & Milam Insurance Services is an insurance agency that has been in the business for 15 years. It caters to clients in Santa Barbara and nearby areas. Its product line includes life insurance policies, which cover debts, final expenses, and taxes. Additionally, it offers dental, individual health, Medicare, and vision insurance plans. Some of the carriers it represents are Anthem Blue Cross, Blue Shield of California, and CenCal Health. Owner David Peters has served as president of the National Association of Insurance and Financial Advisors.

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
Richard Campos logo
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License Verified:

License: 0A95703

California Department of Insurance

Richard Campos

5565 Carpinteria Avenue, Carpinteria, CA 93013
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  • Life Insurance
  • Health Insurance

Business Description

Richard Campos provides life insurance products to clients in Santa Barbara. Richard has 28 years of experience in the sector and is committed to ensuring clients have the best coverage from the available options for their specific needs. Working for State Farm, he helps clients choose the right universal, whole, or term life insurance for them. Richard can also communicate with clients who speak Spanish. He also provides insurance for health, property, auto, business, and pets.

License Verified:

License: 0A95703

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 (6)

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
Santa Barbara Health Insurance logo
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License Verified:

License: 0H52995

California Department of Insurance

Santa Barbara Health Insurance

924 Anacapa St, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance

Business Description

Santa Barbara Health Insurance is an independent agency that caters to individuals, families, and businesses. It offers term life insurance policies that address temporary needs and whole life insurance options that provide permanent protection. It also carries individual and group health insurance coverages, including Medical Supplement and long-term care plans. The agency was founded by Rob Cavaness, a National Association of Health Underwriters member, and Steve Bryd, a National Association of Insurance and Financial Advisors member.

License Verified:

License: 0H52995

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 (1)
Santa Barbara Insurance Agency logo
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License Verified:

License: 0H00490

California Department of Insurance

Santa Barbara Insurance Agency

1920 De La Vina Street, Santa Barbara, CA 93101
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  • Life Insurance

Business Description

Santa Barbara Insurance Agency is a locally owned business that has been serving Santa Barbara since 1959. The business offers various personal and commercial products, helping clients protect their valuable assets. It specializes in providing life insurance coverage, including term and whole life. Its president, Peter Georgi, offers additional options for home, auto, and umbrella insurance, in addition to farm and ranch coverage. Furthermore, the business represents multiple carriers, such as GeoVera, Travelers, Nationwide, and the Capital Insurance Group.

License Verified:

License: 0H00490

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 (6)
State Street Insurance Solutions logo
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License Verified:

License: 0K75652

California Department of Insurance

State Street Insurance Solutions

225 East Cota Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Health Insurance

Business Description

State Street Insurance Solutions is an independent insurance brokerage company serving the Santa Barbara community. The firm supports individuals, families, and small businesses in evaluating their medical needs and finding the best health insurance plan in the market. Its advisors specialize in individual medical, dental, vision, group health, and Medicare insurance. The team represents Covered California and Blue California to give clients a variety of health coverage options. The firm also offers life insurance. The company has been insuring people and businesses for over three decades.

License Verified:

License: 0K75652

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.
4.9
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stevens & Associates Insurance Agency, Inc. logo
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License Verified:

License: 0773817

California Department of Insurance

Stevens & Associates Insurance Agency, Inc.

3412 State Street, Santa Barbara, CA 93105
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  • Health Insurance
  • Individual Plans
  • Group Plans

Business Description

Stevens & Associates Insurance Agency, Inc., is a family-run insurance agency that has been serving the Santa Barbara metro and surrounding areas since 1984. It provides permanent life insurance plans including variable, survivorship, universal, and whole life. The agency also offers group retiree medical, critical illness, cancer coverage, Medicare Supplements, and individual health policies. Stevens & Associates Insurance Agency works with carriers including Health Net, Anthem, and Aetna. Founder Gerald “Ray” Stevens previously worked in national health insurance advisory boards.

License Verified:

License: 0773817

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.
4.7
Google
4.0 / 5 (19)

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
––
Tisdale Insurance Services logo
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License Verified:

License: 0B64696

California Department of Insurance

Tisdale Insurance Services

1123 Chapala Street, Santa Barbara, CA 93101
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  • Life Insurance
  • Long Term Care

Business Description

Tisdale Insurance Services is an insurance agency that serves clients in Santa Barbara. It provides a wide range of insurance products for individuals and entrepreneurs, including life insurance, disability insurance, business insurance, and buy-sell key person coverage. The owner, Brad Tisdale, is an independent insurance agent who worked with LTPC Inc. as a long-term care insurance specialist. He uses customized insurance solutions and planning to provide wealth management services. Brad also keeps financial advisors updated on legislation and trends.

License Verified:

License: 0B64696

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Travis Loughridge logo
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License Verified:

License: 0E19846

California Department of Insurance

Travis Loughridge

1525 State Street, Santa Barbara, CA 93101
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  • Life Insurance

Business Description

Travis Loughridge is a licensed insurance representative of Bankers Life and Casualty Company that serves the communities surrounding the Santa Barbara metro. He offers four kinds of life insurance policies that include term life, whole life, universal life, and juvenile life insurance. Loughridge began working for the company in 2015 and was awarded Rookie of the Year for the same year. He has since assisted his clients in planning for their retirement by providing services like Medicare Supplement insurance and long-term care insurance.

License Verified:

License: 0E19846

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
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
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Frequently Asked Questions

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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.

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.

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