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Best Life Insurance Companies in Santa Maria

2024

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Providers

Last updated:

Website
123 East Fesler Street, Santa Maria, CA 93454
  • Life Insurance
  • Health Insurance

Why choose this provider?

California Heritage Insurance Services has been providing life insurance to individuals, families, and businesses in Santa Maria and nearby areas since 1982. The firm also offers other services such as truck, engineering, general liability, homeowners', and non-standard car insurance. The firm works with various insurance providers to present the best policy options to its clients. In 2012, the firm merged with Del Paso Insurance Services and JS Hall Insurance Services and began operating as one insurance company.

License Verified:

License: 0B80262

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
4.0 / 5 (12)
Yelp
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
874 West Grand Avenue, Grover Beach, CA 93433
  • Life Insurance

Why choose this provider?

Arnoldussen & Associates is an independent insurance agency providing individuals, families, and business ventures in Santa Maria options for their insurance needs. For more than 40 years, it has been representing insurance providers, such as Mercury, Safeco, and Alliance United, to deliver personalized plans. The agency offers life insurance policies with term, permanent, whole, and universal life insurance options, as well as the return of premium term life. Other available types of insurance include homeowners, auto, business, and property policies.

License Verified:

License: 0754752

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
526 Paulding Circle, Arroyo Grande, CA 93420
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ashlyn Silva is a State Farm insurance agent who provides life, business, and auto insurance coverage and proper liability protection plans to individuals, families, and small business owners in Santa Maria and its surrounding areas. Her life insurance plans include term, whole, and universal life. In addition, she handles other insurance policies that cover health, property, and pet. Ashlyn has been in the insurance industry for six years and started at State Farm when she was just 21 years old.

License Verified:

License: 0K10257

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 (34)
Facebook
5.0 / 5 (2)
Yelp
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
1525 East Main Street, Santa Maria, CA 93454
  • Life Insurance
  • Health Insurance
  • Individual Plans

Why choose this provider?

Tolman & Wiker is an independent insurance brokerage offering varied products to Santa Maria and its nearby areas. With origins dating back to 1923, this brokerage has been helping individuals secure their futures through comprehensive life insurance policies. Its personal risk solutions include health, home, auto, RV, private collections, and disability insurance. It also offers multiple business insurance options. Additionally, Tolman & Wiker partners with multiple carriers to provide varied insurance products that fit its clients' current and long-term needs.

License Verified:

License: 0E52073

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
4.0 / 5 (3)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
110 South Lincoln Street, Santa Maria, CA 93458
  • Life Insurance

Why choose this provider?

Premier Blue Insurance is an independent insurance agency that serves the residents of Santa Maria and the surrounding areas. It offers a wide variety of life insurance products, which includes term life insurance, whole life insurance, universal life insurance, and variable universal life insurance. Other personal insurance products that it offers include home insurance, renters' insurance, auto insurance, and motorcycle insurance. In addition, Premier Blue Insurance also provides business insurance, general liability insurance, and property insurance.

License Verified:

License: 0M22175

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 (25)

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
801 South Broadway, Santa Maria, CA 93454
  • Life Insurance

Why choose this provider?

Cravello is an insurance agency located in Santa Maria. The company provides various insurance solutions, including life insurance, health insurance, and dental and vision plans. The company also offers Medicare Supplement plans for its senior clients. Founded by Tony Cravello, Jr., the company is now run by the husband-and-wife team of Tony Jr. and Anne. Tony has a background in marketing and PR and also served as a Recon Marine. Anne worked in law before starting her insurance career.

License Verified:

License: 0L48767

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 (9)
Google
5.0 / 5 (3)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
122 North 16th Street, Grover Beach, CA 93433
  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

Why choose this provider?

Hogge Insurance Services Inc. has been catering to the needs of individuals, families, and businesses in Santa Maria and nearby areas since 1999. The agency specializes in helping clients find the right life insurance coverage for their needs and budgets through multiple insurance companies, such as Prudential, John Hancock, and Genworth. It also provides coverage for homes, cars, and businesses. Hogge Insurance Services is committed to protecting its Central Coast neighbors wherever life takes them.

License Verified:

License: 0M72038

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
4.9 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
830 West Main, Santa Maria, CA 93458
  • Life Insurance
  • Individual Plans

Why choose this provider?

Eagle Service Insurance is an independent broker in Santa Maria. It provides life insurance products that secure family members and estates, ensure permanent protection, and give way to tax-deferred funds and other benefits. The agency also has coverages for homes, recreational vehicles, businesses, and special events. Additionally, it offers Mexican auto insurance policies and related services. Eagle Service Insurance started as an Allstate agent in 1999. It now works with providers like Kemper, Nationwide, and Progressive. Its staff can communicate in Spanish.

License Verified:

License: 0G78197

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
4.0 / 5 (24)
Facebook
4.6 / 5 (15)
Yelp
4.5 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
800 South Broadway, Santa Maria, CA 93454
  • Life Insurance

Why choose this provider?

Allstate Santa Maria Insurance Agency, Inc. is an independent insurance agency that provides insurance services to residents and businesses in Santa Maria and the surrounding communities. They work with multiple carriers that offer a variety of insurance packages. It carries life insurance plans that include universal life insurance, whole life insurance, term life insurance, and variable universal life insurance. It also offers business insurance packages. Cindy Longstreth, with more than 30 years of experience in the industry, is the agency president.

License Verified:

License: 0K62484

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 (61)
Yelp
4.0 / 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
1650 South Broadway, Santa Maria, CA 93454
  • Life Insurance
  • Health Insurance

Why choose this provider?

Donna Randolph is a State Farm insurance agent for 14 years, catering to clients in Santa Maria. She offers term, whole, and universal life insurance products as well as coverage for automobiles, homes, and pets. Business insurance is available. Additionally, her team can assist with personalized financial services for annuities, mutual funds, and other banking products. Randolph has been part of State Farm for over 36 years. Her agency is composed of English-speaking and Spanish-speaking staff.

License Verified:

License: 0746630

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
4.0 / 5 (51)
Facebook
5.0 / 5 (22)
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
277 West Tefft Street, Nipomo, CA 93444
  • Life Insurance
  • Health Insurance

Why choose this provider?

Dale Lane is an insurance agent who provides life insurance plans to individuals and businesses in Santa Maria and the surrounding areas. His life insurance options include term life, whole life, and universal life. He also offers homeowners' insurance, renters' insurance, auto insurance, and health insurance. Dale Lane leads a team of insurance professionals through State Farm. He is an ambassador for the Nipomo Chamber of Commerce and volunteers for Nipomo Little League and AYSO.

License Verified:

License: 0F43513

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.
4.1
Yelp
5.0 / 5 (4)
Google
3.0 / 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

  • What can you anticipate after your life insurance phone interview in Santa Maria?

    Following your Santa Maria life insurance phone interview, you may anticipate that the insurance provider will examine the data gathered and evaluate your application. Be ready for any follow-up calls or emails as the insurer could need to clarify some details of your application or ask for more information. Additionally, based on their assessment, they might ask you for more medical underwriting.

  • If you formerly used drugs and have quit it, can you still obtain life insurance in Santa Maria?

    In Santa Maria, you can still get life insurance if you've used drugs in the past, but you already quit doing it. However, you should be aware that the insurer's choice of whether to offer you coverage or not, as well as the price of your premium, will depend on how long it has been since you stopped using drugs and your general health and lifestyle.

  • Can domestic partners acquire joint life insurance in Santa Maria?

    It is legal for domestic partners to purchase joint life insurance in Santa Maria. However, because domestic partners are not legally married, the insurance company may require additional information from them during the underwriting process, like evidence of shared dependents and expenses, to demonstrate their relationship. Domestic partners should consider getting separate life insurance policies if denied a combined joint life insurance policy.

  • What does "liquidity" mean in a Santa Maria life insurance policy?

    The term "liquidity" in Santa Maria life insurance relates to how simple it would be for you to withdraw money from your policy. The ability to access funds while you are still alive makes a whole life insurance policy more liquid. A liquid asset is any life insurance plan that has a cash value, including all types of whole life plans, as well as universal and final expense policies.

  • Is there a minimum number of contingent beneficiaries you must name on your Santa Maria life insurance policy?

    No, you are not required to include a specific number of contingent beneficiaries in your life insurance policy in Santa Maria. You can decide how many contingent beneficiaries to include in your policy and specify the percentage or payout that each will get. Keep in mind that dependent beneficiaries are only paid out if all primary beneficiaries are positively identified as deceased.

  • 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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