Expertise.com

2024

Last updated:

Best Life Insurance Companies in Santa Barbara

Our Recommended Top 15

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Santa Barbara Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3827Reviewed

2302Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

Attorney Information

Attorney NamesExperience
Rob Cavaness - Founding Partner20 yrs

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)

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

Why choose this provider?

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.

Attorney Information

Attorney NamesExperience
Dave Koppa - Owner9 yrs

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.
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
––

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

Why choose this provider?

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

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

Why choose this provider?

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)

Website
5266 Hollister Avenue Ste 330, Santa Barbara, CA 93111
  • Life Insurance
  • Health Insurance

Why choose this provider?

Baratto, Sullivan & Co. Insurance helps protect families by providing life, personal, and family insurance options in Santa Barbara. The independent insurance agency also offers homeowner, commercial, and auto insurance plans that protect properties against unforeseen circumstances, such as fires and theft. It started as a small office agency in 1977 through the efforts of Giulio Baratto and John Sullivan. Its carrier offerings expanded after its acquisition by Insurance Matters Solutions & Financial Services, Inc., in 2012.

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

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

Why choose this provider?

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.0
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
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

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

Why choose this provider?

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

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

Why choose this provider?

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.
5.0
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

FAQs

  • Do you need a life insurance policy in Santa Barbara if you already have employer-provided life insurance?

    Yes, you are encouraged to have a life insurance policy in Santa Barbara even if you already have employer-provided life insurance to have additional coverage. Everyone is advised to have life insurance coverage at least several times of annual salary. The reason for this is that employer-provided life insurance may not be enough to cover expenses in case of your death.

  • In Santa Barbara, what type of life insurance should you choose?

    It depends on your needs and goals. You may choose term life insurance if you want more affordable protection coverage. In most cases, your premiums will remain the same throughout the life of your policy unless you opt to change them. If you want coverage that extends throughout your lifetime, you can purchase whole life insurance. The premiums are always more expensive but you can access the cash value of your plan early.

  • What is the best age to purchase life insurance in Santa Barbara?

    There is no specific age to purchase life insurance in Santa Barbara. Individuals are advised to get insurance as soon as possible while they are healthy and younger. You may still acquire life insurance during your 50s, however, your life insurance can be more expensive due to health and lifestyle risks.

  • Can you make your minor child your life insurance beneficiary in Santa Barbara?

    Yes, you can make your minor child your life insurance beneficiary in Santa Barbara, however, the process is more complicated because you need to undergo a legal process. You may opt to consider other ways to avoid complicated processes like getting a separate life insurance policy for your minor child or adding a child life insurance rider to your policy.

  • How often should you review your life insurance policy in Santa Barbara?

    You should review your life insurance policy in Santa Barbara whenever there are changes happening in your life. If you recently acquired a new home, expecting a baby, or there is a change in your relationship status or career, you must assess your life insurance to determine whether your coverage is still enough for your lifestyle and financial needs.

  • 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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